In accordance with EU Regulation 2016/679 regarding the protection of personal data, applicable from May 25, 2018, MILLENIUM INSURANCE BROKER (MIB) Insurance-Reinsurance Broker S.A., headquartered in Bucharest, Sector 5, Splaiul Independenței, no. 111, registered with the Trade Registry under no. J40/5065/1997, VAT code: 9557790, RBK code-096, informs you that it processes the data of the following categories of individuals: clients or potential clients, beneficiaries or potential beneficiaries declared in the insurance contract.
Personal Data Processed: Only data necessary for the processing purposes will be handled.
Processing Purposes:
Legal Grounds for Processing:
Categories of Recipients and Authorized Persons: MIB may disclose personal data collected directly or through authorized persons to the following categories of recipients:
Duration of Processing: Personal data collected by MIB will be retained as follows:
Personal Data Processing for Direct Marketing: Only to the extent you have consented, MIB and/or its partners process data for direct marketing purposes: newsletters, individualization - analysis or profiling, commercial offers, promotional campaigns.
Rights of Individuals Regarding Personal Data Processing:
For any requests related to exercising the above rights, for withdrawing consent (if given), or for addressing any questions regarding this information, you can contact MIB at the postal address mentioned above, attention to the Data Protection Officer, or via email at: dpo@myinsurance.ro.
If the personal data provided concerns a minor, the parent/guardian will be the one informed for the minor. If you do not agree with the processing of data as described above, we will be unable to provide you with our services.
Using the Site (visiting, using the insurance products offered by MIB and/or its partners) implies full and unconditional acceptance of the following Terms and Conditions.
The Site and the products/services provided are reserved for individuals who are at least 18 years old.
By placing an order on the site, the Buyer agrees to the mode of communication through which the Seller conducts its commercial operations.
The entire content of the Site is protected by copyright law, with all rights belonging to MIB.
Any complaints related to the Site can be submitted in writing to the email address office@myinsurance.ro. The complaint must contain at least the following information regarding the Buyer: name and surname, email address, correspondence address, and a description of the issue in question.
MIB is not liable for any damage (direct or indirect) caused to the Buyer or any other party related to the use of this Site and the information it contains or any other damages or injuries caused by errors, omissions, defects, delays, or interruptions in operation or transmission, viruses, or other similar factors.
MIB does not guarantee safe, continuous, and uninterrupted access to its services and will not be responsible for any issues or malfunctions of networks or phone lines, internet systems, servers, internet providers, equipment, computers, programs, or any other elements that may damage personal computers as a result of using this Site.
Although we are constantly concerned about the security of the application, MIB does not guarantee that the Site is 100% secure against computer viruses or other threats.
Even though all measures have been taken to ensure that the information presented on this Site is accurate and correct, the Seller cannot be held responsible for inaccuracies that may appear on this Site. Some displayed rates/offers may be incorrect. In the case of an Order or offer being sent to the client with an incorrect price, MIB has the right to cancel the client's Order or to amend and correct the offer sent.
Since MIB is only an insurance broker and not a provider of the described products and services, all information used to describe the products available on the Site (static/dynamic images, multimedia presentations, text, etc.) does not constitute a contractual obligation from the Seller and is used exclusively for presentation purposes.
A notification sent to the Buyer after placing an Order is informative and does not represent the acceptance of the Order. This notification is made electronically, and any insurance application may be followed and conditioned by MIB’s request for and receipt of relevant documents from the client, in any agreed form, concerning the insured asset, according to the methodology and procedures of each insurer or legal provisions in force in the insurance sector.
The Seller may assign and/or subcontract a third party for services related to fulfilling the Order without needing the Buyer’s consent.
If a product ordered by the Buyer cannot be provided by the Seller, the Seller will inform the Buyer and refund the product’s value to the Buyer’s account within a maximum of 14 days.
The Seller may cancel the Buyer’s Order with prior notification to the Buyer, without any further obligation between the parties or any claims for damages by either party, in any of the following cases:
The information presented on the Site is informative and may be modified by the Seller at any time without prior notice.
Clients must complete forms with correct and accurate data. MIB cannot be held responsible for any losses and/or inconveniences caused by the client providing incorrect or incomplete information.
By placing an Order and completing it, the Buyer consents to the following:
The Buyer is obligated to provide real, accurate, and complete data as requested in the offer/order request forms on the Site and to update the data when necessary, ensuring they are real, accurate, and complete. If the client provides information that is not accurate, incomplete, or not in accordance with reality, MIB reserves the right to refuse all current or future attempts to use the Site’s services.
According to applicable legislation, no invoice is issued for insurance policies, as they also serve as proof of payment.
Products and Services included in the Order will be provided to the Buyer only after payment is made by the Buyer.
If you choose a product/service that involves payment of a premium, the purchase price is the one displayed on the Site. The final price may differ depending on each insurer’s policy.
The moment the distance contract is concluded is when the Seller confirms the acceptance of the Order placed by the Buyer, which must coincide with the moment of payment for the contracted service.
The consumer has the right to unilaterally terminate the distance contract within 14 calendar days, without penalties and without the need to provide any reason. For distance contracts related to life insurance and contracts concerning individual pension operations, the term for exercising the right of unilateral termination is 30 calendar days. To terminate the contract, the client must contact the insurance company directly that provided the product.
The right of unilateral termination does not apply to travel and luggage insurance policies or other short-term insurance policies with a duration of no more than one calendar month.
For vehicles that are deregistered from circulation or for which the insured transfers ownership during the insurance period, the insurer is obligated to refund the insured, upon written request accompanied by supporting documents, part of the paid premium, only if no claims have been paid or are due for events occurring during the insurance validity period and in accordance with the general insurance conditions specific to the insurer where the RCA policy was concluded.
Any material errors recorded in the insurance policy will be corrected through supplementary/additional insurance documents issued by the insurance company that issued the policy.
Any information provided by the Buyer to the Seller will remain under the Seller’s use, at least for the duration of the contractual relationship between the parties.
No public statements, promotional actions, press releases, or any other form of disclosure to third parties regarding the Order/Contract/Seller will be made by the Buyer without the Seller’s prior written consent.
MIB will not be subject to confidentiality obligations concerning the information sent, except as required by applicable law.
Neither party will be liable for non-performance of their contractual obligations if such non-performance, in whole or in part, is due to a force majeure event. Force majeure is an unforeseeable event, beyond the control of the parties, and which cannot be avoided.
If the event does not cease within 15 (fifteen) days from its occurrence, each party will have the right to notify the other party of the automatic termination of the Contract without either party being able to claim damages from the other.
The applicable law is Romanian law. Any disputes arising between MIB and Buyers will be resolved amicably or, if this is not possible, disputes will be resolved by the competent Romanian courts in Bucharest.
