Terms of Use

Our Sites are operated by Ancoria Insurance Public Ltd (“We”). We are registered in Cyprus under registration number HE29805 and have our registered office at 36 Laodikias street, Strovolos, 2028 Nicosia, Cyprus. We are a life insurance company regulated by the Cypriot Superintendent of Insurance.

Use of our websites https://www.ancoria.com and https://online.ancoria.com (“the Sites”) is subject to these Terms of Use. Use may include accessing, browsing and/or registering on our Sites. By continuing to use our Sites, you confirm that you accept these Terms of Use and that you agree to comply with them. If you do not agree to these Terms of Use, you must refrain from using our Sites.

The following additional terms also apply:

• Our Privacy Statement, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Sites, you consent to such processing and warrant that all data provided by you is accurate.

• Our Cookie Policy, which sets out information about the cookies on our Sites.

We may revise these Terms of Use at any time by amending this page. Please check this page from time to time to take notice of any changes, as they are binding on you.

Accessing our Sites

We do not guarantee that our Sites, or any content on it, will always be available or uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our Sites without notice. We will not be liable to you if, for any reason, our Sites are unavailable at any time or for any period.

If you are experiencing problems accessing our Sites, please report them to us via email at info@ancoria.com or phone at +357 22 551 300.

Account and Password

If you are provided with a username, password or any other login credentials, you must treat such information as confidential and not disclose it to any third party. If you know or suspect that anyone, other than you, knows your username or password, you must promptly notify us at dpo@ancoria.com. We have the right to disable any username or password at any time if, in our reasonable opinion, you have failed to comply with any of the provisions of these Terms of Use.

Intellectual Property Rights

We are the owners or licensees of all intellectual property rights relating to our Sites and to the material published on them. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You must not use any part of the content on our Sites for commercial purposes without obtaining a licence to do so from us. You may print off one copy and download extracts of any pages from our Sites for your personal use and you may draw the attention of others within your organisation to content posted on our Sites. You must not modify the paper or digital copies of any materials you have printed off or downloaded from our Sites, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

If you print off, copy or download any part of our Sites in breach of these Terms of Use, your right to use our Sites will cease immediately and you must, at our discretion, return or destroy any copies of the materials you have made.

Our status (and that of any identified contributors) as authors of content on our Sites must always be acknowledged.

Limitation of Liability

The content on our Sites is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of our Sites’ content.

Although we make every effort to update the information on our Sites in a timely manner, we make no representations, warranties or guarantees, whether express or implied, that the content on our Sites is accurate, complete or up to date.

We will not be liable to any user for any foreseeable or consequential loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, arising under or in connection with use of or inability to use our Sites, or use of or reliance on any content displayed on our Sites. Furthermore, we will not be liable for any loss or damage caused by a virus or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Sites or to your downloading of any content on them, or on any website linked to them. Lastly, we will not be liable for any damage or loss that may result from changes made to our Sites by unauthorised third parties.

Nothing in these Terms of Use excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by Cyprus law.

Viruses

We do not guarantee that our Sites will be secure or free from bugs or viruses. You are responsible for configuring your own information technology, computer programmes and platform in order to access our Sites, and you should use your own virus protection software.

Linking to our Sites

You must not establish a link on our Sites in a way that suggests any form of association, approval or endorsement on our part where none exists. Any links to our Sites must be made in a fair and lawful manner and must not damage our reputation or take advantage of it.

We assume no responsibility for the content of websites linked on our Sites. Such links should not be interpreted as endorsement by us of those linked websites and we will not be liable for any loss or damage that may arise from your use of them.

Third-party Links and Resources

Where our Sites contain links to other websites and resources provided by third parties, such links are provided for your information only. We have no control over the contents of those websites or resources.

Governing Law

These Terms of Use and their subject matter and formation are governed by Cyprus law. You and we both agree that the Cypriot courts will have exclusive jurisdiction over any disputes arising out of or in connection with these Terms of Use.