Life5 Terms and Conditions of Service - Legal Notice
Identification and contact details of the website owner
By means of this Legal Notice, we inform you that the website with URL life5.es (hereinafter, the «Website«) is **YOUR LIFE CORREDURÍA DE SEGUROS, S.L. **(hereinafter, «LIFE5«), being the same company that manages and operates through the Website. LIFE5 is a company registered in the Mercantile Registry of Madrid, with CIF B-42.814.236 and address at Calle Francisco de Rojas, 3 – 6ºD, Madrid 28010.
You can find out more about LIFE5 by contacting us by sending an email to the following address firstname.lastname@example.org.
Purpose and general conditions of use of the website
The purpose of this Legal Notice is to make available to those who access, browse or consult the content of the Website (hereinafter, the «User» or «Users«), the rules governing the use of this Website. Additionally, the Website enables Users to purchase LIFE5’s products or those in which LIFE5 acts as an intermediary through the forms provided (hereinafter, «Customers«).
The Customers, as long as they wish to hold such condition, will formalize their relationship with LIFE5 by means of an agreement in such sense (General Contracting Conditions), and therefore they will be bound, as the case may be, in addition to the present Legal Notice, by the particular terms and conditions included in such document.
This Website has been developed for informative and commercial purposes, with the aim of providing Users with information about LIFE5’s products and services by electronic means. As well as to establish a platform for the contracting of LIFE5’s services or those of third parties for which LIFE5 acts as an intermediary.
The Users must read carefully the present Legal Notice every time they use the Website, as the content of the same may undergo modifications as LIFE5 considers appropriate.
In the event that any of the provisions contained in this Legal Notice is declared null and void, it will be withdrawn or replaced. In any case, such declaration of nullity shall not affect the validity of the rest of the provisions contained in this Legal Notice.
The User is aware and accepts that the use of the Website is in any case under his sole and exclusive responsibility and undertakes to the following:
To use the Website in the manner and form set out herein.
Not to carry out any conduct that could damage the image, interests and rights of LIFE5.
Not to use this Website and its information and contents for illicit purposes and/or not to carry out actions that could harm the rights and/or interests of third parties.
Not to carry out acts that could damage, render useless or overload the Website, or that could prevent, in any way, the normal use of the same.
Refrain from copying or extracting any content from the Website for private or public use, except in cases authorised by law or expressly consented to by LIFE5.
The User will be liable to LIFE5, or to third parties, for the damages and prejudices that could have been originated as a consequence of the non-fulfilment of these obligations.
Acceptance of the general conditions of use
The User who accesses and uses the Website will be accepting in its entirety and, therefore, obliged to comply with the terms and conditions included in the present Legal Notice in the version published by LIFE5 at the moment of access (hereinafter, the «General Conditions of Use«).
In the event that the User does not agree with these General Conditions of Use, he/she must leave this Website and may not access or use the services offered therein.
The User declares that he/she has sufficient legal capacity to be bound by these General Conditions of Use. In the event that the User is a minor, he/she must have the prior authorisation of his/her parents or legal guardians, who will be responsible for the use of the Website by the minor in their care.
General terms and conditions
LIFE5 customers can take out their life insurance through the life5.es website or by telephone at 911 98 49 86. For the contracting process it will be necessary to answer a questionnaire about the capital to be recruited, personal and health data. The answers to this questionnaire allow us to assess the risk and give a price tailored to each customer’s situation. At this point you can choose between 3 different specific products for each customer, where all the conditions are specified, such as the capital and guarantees to be contracted.
After selecting the desired product, you will proceed to pay for it. In the case of contracting the product by telephone, you can choose between annual or monthly payments and whether you want to pay by card or direct debit. Currently, if the contracting is done through the web, the payment will be monthly and by credit card.
The customer will receive an email with confirmation of payment. Once confirmed, you will proceed to the selection of insurance beneficiaries and the entry of personal data. Finally, the customer must accept the legal note of his life insurance policy. Finally, the customer or policyholder will sign the contract online. The time limit for signing the contract is 30 days. After this period, if it has not been signed, the contract will be cancelled. After signing the contract, the customer is insured.
If the customer wishes to receive the invoice in electronic format, he can request it at the following e-mail address email@example.com and will be able to receive the invoice on paper without any associated cost upon request.
The entire purchasing process will be carried out in Spanish.
If after confirming the purchase you detect an error, you should contact LIFE5 as soon as possible, through firstname.lastname@example.org
Right of withdrawal
You have the right to withdraw from this contract within thirty calendar days without giving any reason. The withdrawal period shall expire thirty calendar days after the day of conclusion of the contract.
To exercise your right of withdrawal, you must notify Life5, Paseo de la Castellana 140 1ºA, 911 98 49 86, email@example.com of your decision to withdraw from the contract by means of an unequivocal statement (e.g. by e-mail). You may use the model withdrawal form below, although its use is not compulsory. You also have the option of communicating your wish to withdraw by telephone or via your customer area, where you can fill in a form. If you make use of this option, we will inform you without delay in a durable medium (e.g. by e-mail) that we have received your wish to withdraw.
In order to comply with the withdrawal period, it is sufficient that the communication concerning your exercise of this right is sent before the expiry of the withdrawal period.
In the event of withdrawal by you, we will refund all payments received from you, without undue delay and in any event not later than 14 calendar days from the date on which we are informed of your decision to withdraw from this contract. We will carry out such reimbursement using the same means of payment used by you for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any charges as a result of the reimbursement.
Model withdrawal form
(this form must only be completed and sent if you wish to withdraw from the contract)
For the attention of Life5, Paseo de la castellana 140 1ºA, 28046, Madrid, firstname.lastname@example.org:
I/We hereby inform you () that I/We hereby withdraw from my/our () contract for the sale of the following good/provision of the following service (*)
Contracted on/ordered on/received on (*)
Name(s) of the consumer(s) and user(s)
Domicile of the consumer and user or consumers and users
Signature of the consumer and user(s) (only if this form is submitted on paper)
(*) Delete as appropriate.
Restricted areas on the website
General access to LIFE5’s Website does not require subscription or registration by the Users.
However, access to the contracting platform shall be conditional upon the prior acquisition of Customer status and the assignment of an identifier and its corresponding password, established by the Customer through its registration form. Such registration shall be carried out through the steps set out on the Website.
The User who has not previously obtained the corresponding credentials, granted by LIFE5, shall not attempt to access the restricted access areas, nor shall he/she attempt to circumvent or manipulate the protection mechanisms established for such access.
Unauthorised access to restricted access areas by Users who have not been duly authorised shall be subject to civil and/or criminal liability.
Liability for damages of users
Users will be liable for damages of any kind that LIFE5 may suffer, directly or indirectly, as a consequence of the non-fulfilment of any of the obligations derived from the General Conditions of Use or for the total or partial reproduction not expressly authorised in writing, for any purpose.
It is the User’s responsibility to take all appropriate technical measures to reasonably control threats that may arise during transmissions of data and information over the Internet. Among these measures, the User must have updated systems for detecting malicious software, such as viruses, Trojans, etc., have updated security patches for the corresponding browsers and operating systems, as well as use networks whose security is verified.
Liability of Life5
LIFE5 takes measures to ensure the accuracy of the information on the Website.
The information regarding the products and services offered by Life5 on the website should be considered as an introduction and does not reflect all the terms and conditions applicable to each of the products and/or services marketed by Life5, and is merely indicative, orientative and estimated.
Likewise, Life5 does not guarantee the usefulness of its Website or its services for any particular activity, and therefore access to the Website and the use of its contents is at the user’s own risk.
Our main concern is to protect information. We store the information we collect on secure servers and comply with the security measures required by Spanish data protection legislation to protect your personal information.
However, no Internet transmission is 100% secure or error-free, nor is stored data invulnerable. We cannot guarantee the security of our Websites, databases or services, nor can we guarantee that information you send to us will not be intercepted while it is being transmitted to us over the Internet. We are not responsible for the actions of third parties.
Intellectual and industrial property
All contents of the Website and the Newsletters, including but not limited to trademarks, logos, graphics, images, sound and video files, programming code, text, icons, and names identifying services (hereinafter, the «Content«) are the property of LIFE5 including the press material and the contents of the web, and are protected by the current legislation on intellectual and industrial property rights.
Access by the User to this Website does not imply any waiver, transfer or assignment, in whole or in part, of such rights by the owners for this reason. Therefore, access to these Contents by Users does not grant them, under any circumstances, the possibility of copying, selling, modifying, reproducing, publishing, transferring, transmitting or creating new products or services derived from the Contents of the Website.
For this reason, the User of this Website will not be able to copy, distribute, download, modify, suppress, delete, erase, alter, publish, transmit, or take advantage of these Contents in any way, except with previous, express and written authorisation from LIFE5 or third party holders of intellectual or industrial property rights.
In this sense, the User does not acquire any rights or licences in relation to any intellectual or industrial property rights related to the Website or its Contents, beyond the right to browse this Website in accordance with the purpose and terms set out in this Legal Notice.
Linking to the website
It is forbidden to establish links to the Website without prior, express and written authorisation from LIFE5.
In the event that the link is authorised by LIFE5 in accordance with the terms previously established, the link shall be established in the following terms:
No false, inaccurate or incorrect statements about the Website and/or LIFE5 shall be made from the website that introduces the link (hereinafter referred to as the «Linking Site«).
Under no circumstances does the authorisation given by LIFE5 for the creation of a link mean any kind of sponsorship, collaboration, verification or supervision of the content and/or services provided through the Linking Site, nor that LIFE5 is responsible for the content of such site.
The Linking Site must comply faithfully with the Law and may not, under any circumstances, host its own or third party content which: (i) are illicit, harmful or contrary to morality, public order and good customs; or (ii) induce or could induce in the User the false conception that LIFE5 subscribes, adheres or in any way supports the ideas, manifestations or expressions, licit or illicit of the sender; or (iii) are inappropriate or not pertinent in relation to LIFE5’s activity.
In the case of non-compliance with any of the terms mentioned above, LIFE5 will proceed immediately and without prior notice to remove the link.
External links from the website
Any access to a third party website through the navigation of the Website does not imply LIFE5’s recommendation, promotion, identification or conformity with the manifestations, contents or services provided through said website.
When the User makes use of a link published on the Website and is redirected to a third party website, he/she is leaving the Website and is therefore no longer under the protection of these General Conditions of Use.
Consequently, LIFE5 is not responsible for the content of such third party websites, nor for their conditions of use and privacy policies, being the User of such websites the only responsible for checking and accepting them every time he/she accesses and uses them.
For more information related to the cookies used on this Website, the User can access our Cookies Policy.
Right of exclusion
LIFE5 reserves the right to deny or withdraw access to the portal and/or the services offered without prior notice, at its own request or at the request of a third party, to those users who do not comply with the present General Conditions of Use.
Applicable law and jurisdiction
«Our entity is a member of Confianza Online (non-profit association), registered in the National Register of Associations Group 1, Section 1, national number 594400, Tax ID G85804011, Carrera de San Jerónimo, 18, 4º 1, 28014 Madrid (Spain). For more information: www.confianzaonline.es
These General Terms and Conditions are governed by Spanish law. Likewise, in compliance with the provisions of the Alternative Dispute Resolution Act, we inform consumers that, as a member entity and in accordance with the terms of the Code of Ethics users may turn to Confianza Online for alternative dispute resolution (https://www.confianzaonline.es/como-reclamar/formulario-de-reclamaciones/). If they concern electronic transactions with consumers, or data protection when related to this area, complaints will be resolved by the Confianza Online Mediation Committee, which is accredited for alternative dispute resolution in consumer matters. If the complaints concern digital advertising, or data protection related to this area, they will be submitted to the AUTOCONTROL Advertising Jury.
We also remind you that you can access the European Union’s online dispute resolution platform by following this link: https://ec.europa.eu/consumers/odr/main/?event=main.home2.show”.