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Terms of use

Last revision: March 26, 2021

Please read these Terms of Use (the “Terms”) carefully before using the travel and health insurance service provided by Ensuria and available at https://ensuria.com or using our mobile application available at App Store (together - "Service").

The Terms contain important information about your rights and responsibilities. If you do not accept these Terms, please do not use this Service.

The terms "Ensuria", "we", "us" or "our" in these Terms refer to Ensuria Health & Travel Services Ukraine LLC (USREOU code: 42722919) and Ensuria Operations Ukraine LLC (USREOU code: 43812574 ), which provide services and monitor the services provided. Technical support is provided by Ensuria Technologies OÜ, registered at Tornimäe tn 7-132, 10145, Tallinn, Harju maakond, Estonia

The collection and use of personal data in connection with your use of the Service is carried out in accordance with our Privacy Policy.

If you have any questions or comments about the Terms or the operation of the Service, please read the answers to frequently asked questions or contact us at help@ensuria.com.

Full agreement

These Terms and any policies, including our Privacy Policy, published through the Service constitute a full legally binding agreement between you ("you" or "the user") and Ensuria regulating your use of the Service.

By using the Service, you hereby declare and confirm that:

  1. you have read the Terms, understand their content and agree to abide by these Terms in full;
  2. you are at least 18 years old (otherwise you may use the Service only with the participation of parents or guardians);
  3. the law of your country does not restrict you from using the Service;
  4. you comply with applicable law.

Account registration

To use the full functionality of the Service and purchase policies, you need to register a personal account ("Account"), providing your contact information and confirming your phone number with a one-time SMS password. Further, use the specified phone number to log in to your Account on the website or in the mobile application.

In the personal account you can view the list of active and previously purchased policies, as well as save data for insurance. You must provide accurate, reliable and complete information in your profile and keep it up to date. Learn more about how we process personal data in our Privacy Policy.

You may not transfer or share your Account with others. You are responsible for maintaining the confidentiality of your account login information and are responsible for all actions taken through your Account.

You are responsible for ensuring that your use of the Service and the Account does not conflict with applicable laws, rules or other regulations.

If you know or for any reason suspect that someone has illegally accessed your Account, please let us know immediately.

To delete your account and saved data, please send us a request to help@ensuria.com.

Ensuria service

Ensuria health and travel insurance service is designed to easily find, purchase and use insurance policies offered by insurance companies. With the Ensuria website, you can view and compare the offers of leading insurance companies, get acquainted with the proposed insurance terms and sample contracts with the insurer.

Ensuria acts as an agent for such insurance companies on the basis of agreements concluded with them. Please note that Ensuria is not an insurer and does not enter into insurance contracts with users, and therefore does not issue policies and is not obliged to make insurance payments in the event of an insured event. Users of the Service enter into an insurance agreement with insurers that offer the policies set out on the website in electronic form using an electronic signature with a unique identifier.

In the event of an insured event, please contact your insurance company directly at the contacts listed in the insurance policy and in our letter to the e-mail address you provided confirming the purchase of the policy.

You can also contact our support service with any questions regarding the purchase and use of insurance policies through the Service at the contact details provided on the website and in the mobile application. Ensuria Support is available 24 hours a day.

Making an order

Before purchasing the policy, carefully check the data of the insured (s) and carefully read the insurance terms offered on the Ensuria website by the insurers, as well as read the travel or health insurance contract.

After the signing the contract with the insurer with a one-time identifier and payment of the order, the data specified in the policy cannot be changed. Errors in the information you provide are not grounds for termination or refund, but you can contact your insurer for assistance.

The payment for the insurance policy is done on our website using Google Pay, a third-party payment service provider LiqPay or according to the specified details to the Ensuria account. You can pay for the order according to the details before the date of activation of the policy. In the absence of payment for the policy order is canceled automatically.

When paying for orders with LiqPay, you must comply with the terms and conditions of the services and other policies of LiqPay. In no case shall Ensuria be liable for payment data processed by Google Pay and LiqPay providers in accordance with the privacy policies of such providers.

As soon as the insurance company receives confirmation of the funds paid by you for the policy, a letter with the purchased insurance policy will be sent to your e-mail in a PDF format.

Any payments made through the Service are non-refundable.

Content and intellectual property

The service is owned and controlled by Ensuria. All materials of the Service, including texts, images, design, graphics, information, logos, icons, audio and video recordings, interfaces, software, trademarks, brand names, etc. ("Content"), as well as copyright and other intellectual property rights to such Content is owned by Ensuria or posted with the consent of the copyright holder.

The Content, or any elements thereof, may not be used without the prior written permission of Ensuria or its respective owners in any manner not provided for in these Terms.

Subject to the provisions of these Terms, Ensuria grants you a limited, non-exclusive, revocable license, without the right to sublicense and transfer, to:

  1. use the Service from your personal devices under the conditions set forth in this document; and
  2. access to and view any Content posted on or through the Service for personal, non-commercial use only.

You may not reproduce, publish, distribute, modify, create or otherwise use the Content for commercial or illegal purposes without our prior written permission. You agree not to modify or delete any proprietary notices from materials downloaded or printed from the Service.

By leaving feedback and comments on the Website, you grant Ensuria a free, revocable license, subject to transfer and sublicensing, worldwide, with the right to access, use, copy, reproduce, publish, publicly display, process and distribute such feedback and comments.

Any content you post on the Ensuria website must:

  • be truthful and credible;
  • not contain obscene language, offensive comments related to race, national origin, gender, sexual preferences or physical disabilities;
  • not contain unwanted or unauthorized advertising, spam or other forms of imposition;
  • not promote violence and cruelty, not contain threats and not encourage violence against any person or animal;
  • not be fraudulent and not violate any applicable laws, norms or rules;
  • not violate the rights to privacy of third parties.

Third-party services and websites

Some features of the Service, such as making a payment, involve the use of third-party services and sites that Ensuria does not control.

We are not responsible for the content and functionality that may be offered on such sites or such third-party services. You use such third-party sites and services at your own risk. We are not liable for any damages, risks or other monetary obligations arising from your use of such third-party sites or services.

Please note that other terms of use and privacy policies apply to your use of third-party sites and services. In no case shall Ensuria be liable for personal data processed by third-party sites and services.

Disclaimer of Warranties

The service is provided on an "as is" basis. Unless expressly provided otherwise by these Terms or other policies of the Service, Ensuria disclaims all warranties, to the fullest extent permitted by law, with respect to the Service, its functionality and Content, including, without limitation, warranties of intent and non-infringement of third party intellectual property rights. other rights

Ensuria makes no warranties regarding information about the terms and cost of insurance, the accuracy or timeliness of insurers, the fact and quality of services provided by insurers, insurers' payments or other guarantees not expressly provided in these Terms.

We make no promises or guarantees, in particular regarding the accuracy, usefulness, reliability and correctness of the Service. Ensuria does not warrant that the operation of the Service will be uninterrupted or secure, that any defects will be corrected or that the Service will be free of viruses or other harmful elements.

Limitation of liability

Ensuria is not responsible if any information, materials, content available through the Service are inaccurate or incomplete, as well as for typographical errors or omissions in the text or other materials.

In no case shall Ensuria, its employees or agents be liable for direct, indirect, incidental, special, awarded or incidental damages, including lost profits, data loss or damage to property, related to the use or inability to use the Service; for risks and damages resulting from the use of information or services received through the Service, as well as as a result of errors, defects and interruptions in the work of the Service, even if Ensuria was informed of the possibility of such damages.

Ensuria is not responsible for the provision of insurance services and insurance payments to users in accordance with the agreements concluded with insurers through the Service.

These waiver and limitation provisions apply to the maximum extent permitted by applicable law.

Compensation for damages

To the fullest extent permitted by applicable law, you agree to indemnify, reimburse the damages and protect Ensuria, our partners, employees, contractors and agents, from any claims, liability, risks, damages and costs, including reasonable legal and accounting costs, in any way related to or arising from:

  1. your violation of any of the provisions of these Terms,
  2. your use / improper use of the Service, Content, functions of the Service, or;
  3. your violation of any laws or third parties.

You also agree to reimburse Ensuria for any damages and costs incurred by Ensuria (including fees or expenses of attorneys, accountants, professional advisors and other experts) in connection with the protection or settlement of disputes arising out of your use of the Service for any illegal or prohibited purposes.

Applicable law and dispute resolution

These Terms are governed by and construed in accordance with the laws of Ukraine.

If any material on the Service or your use of the Service violates the law of your location, the Service is not intended for you and we ask you not to use it. You are responsible for reviewing and complying with the laws of your country.

Except as prohibited by applicable law and without limitation of consumer rights, you agree that any dispute, conflict, claim or dispute directly or indirectly related to the Service or these Terms, including, without limitation, those concerning their validity, interpretation or application should be resolved through peaceful negotiations directly with the Ensuria team in accordance with the principles of good faith and cooperation. If consensus cannot be reached through negotiations, the dispute should be resolved exclusively in the courts of Ukraine, in accordance with applicable legislation.

All claims must be filed within one (1) year of their occurrence, unless applicable law requires a longer period.

Emails

You understand and agree that we may send you a message to the contact details you provide in the Account regarding, in particular, (i) a notice of renewal of the Service; and (ii) information or materials relating to your use of the Service, including notices of insurance terms and policies purchased; (iii) information on updating these Terms.

Other terms

Ensuria has the right to monitor the compliance of your use of the Service with the requirements of these Terms. In case of violations, we may revoke or stop providing the access to the Service.

If any provision of these Terms is found to be illegal, invalid or unenforceable, the other provisions of these Terms will remain in full force and effect.

We may transfer our rights and obligations under these Terms to a third party, but this will not affect your rights or our obligations under this agreement.

The hard copy of these Terms shall be admissible in legal or administrative proceedings arising out of or in connection with the use of the Service, to the same extent and on the same terms as other business documents and records created and stored in printed form.

We reserve the right to make changes to these Terms at any time. In the event of a material change that may affect your use of the Service or your rights as a user of the Service, we will notify you of such changes within a reasonable time before they take effect by sending a notice to your e-mail.

Contacts

If you have any questions or comments about these Terms or the Ensuria Service, please contact us:

help@ensuria.com

Ukraine, 04112, Kyiv, street Parkovo-Syretska, bldg. 12-A, office 2

Tornimäe tn 7-132, 10145, Tallinn, Harju maakond, Estonia