LEGAL NOTICE
Terms of use of the website www.gescobert.es
Use of this website is subject to the rules set out below. Please read them carefully.
Website Owner (Service Provider)
Gescobert Correduría de Seguros is the owner of this website, with its registered office at number 5, Calle Marie Curie, Edif. Alfa 4º 4.6 (Rivas-Vaciamadrid – Madrid CP 28521) and CIF B59191296, and is registered in the Mercantile Registry of Madrid, Volume 41,523, Book 113, back page B-10,466, Entry 25.
Gescobert Correduría de Seguros SL is also registered in the Special Registry of Insurance Mediators dependent on the General Directorate of Insurance and Pension Funds of the Ministry of Economy and Finance (entity in charge of supervising our activity). On the website of the General Directorate of Insurance and Pension Funds, you can check the validity of our administrative authorization to act as a brokerage (Authorization
J336) https://dgsfp.mineco.gob.es/es/Entidades/Paginas/rrpp.aspx
It has the financial capacity and civil liability insurance as provided for in Royal Decree-Law 3/2020, of February 4, on urgent measures incorporating into Spanish law various European Union directives in the field of public procurement in certain sectors; private insurance; pension plans and funds; in the field of taxation and tax litigation.
The brokerage does not have any contractual relationship with insurance companies. In this sense, it offers independent, professional and impartial advice to its clients.
Exercise of the brokerage activity (Service Description)
In accordance with the provisions of Royal Decree-Law 3/2020, of February 4, on urgent measures incorporating into Spanish law various European Union directives in the field of public procurement in certain sectors; private insurance; pension plans and funds; taxation and tax litigation, GESCOBERT provides its Insurance Mediation Services in an objective and independent manner, looking after the interests of its clients and representing them before insurance companies. GESCOBERT provides its advice under the principles of independence from insurance companies, as well as objective and personalized analysis for its clients, always seeking in any case the coverage that, in accordance with the requirements raised by them, best suits their needs.
Gescobert Correduría de Seguros, SL carries out this commercial activity of mediation without maintaining contractual links that imply an affectation with insurance entities.
Regarding the remuneration that GESCOBERT receives for its Mediation Services, we inform you below of the different remuneration systems that GESCOBERT has implemented for its Insurance Mediation Services:
- GESCOBERT will freely agree with the insurance company the commission that it will receive for the insurance policy(ies) brokered, or, where appropriate, will directly agree with the client, expressly and in writing, the corresponding professional fees, which will be increased by the taxes that are applicable at any given time. Likewise, GESCOBERT may be remunerated by a combination of commissions received from the insurance company and fees received directly from the client.
- In addition to the above, GESCOBERT may charge, along with the premium, an additional amount for administration costs, the amount of which will be agreed with the client.
- It is also reported that GESCOBERT may additionally receive commissions from insurance companies for services ancillary to Insurance Mediation, such as management of insurance premium collection and others on the global portfolio of insurance policies that it mediates with the various insurance companies.
- Finally, it is reported that within the GESCOBERT group there are other companies that provide certain services to insurance companies such as reinsurance brokerage, insurance underwriting agency and/or consulting, different and independent from the Insurance Mediation Services provided by GESCOBERT, but which may be related to the risks covered, and they may receive commissions or fees from the insurance companies for such services.
- In order to obtain competitive underwriting conditions, GESCOBERT (directly or through the GESCOBERT Group’s reinsurance brokerage companies) may work with insurers that underwrite or are considering underwriting your risks, so that they can find (re)insurers for those risks. To help facilitate that process, we may share your information with the GESCOBERT Group’s reinsurance brokerage companies and/or with such (re)insurers, and
GESCOBERT and the GESCOBERT Group’s reinsurance brokerage companies may earn income from the placement of reinsurance for
those risks. - If you require any clarification regarding the GESCOBERT remuneration system, you may contact your usual contact at GESCOBERT, who undertakes to provide any necessary clarifications in this regard.
Conditions of Insurance Contracts
All insurance policies that you may contract directly from our website or through our telephone service are governed by the provisions of Law 50/1980, on Insurance Contracts, by Royal Legislative Decree 6/2004, of October 29, which approves the revised text of the Law on the Regulation and Supervision of Private Insurance, and its Regulations of November 20, 1998, and by the provisions of the policy itself, both in its General and Specific Conditions.
Without prejudice to the information provided to the user prior to contracting both the General and Specific Conditions, all details of coverage and exclusions will be included with the policy documentation that you will receive at the address you have provided us after contracting the policy. You must review it and notify us of any errors or incidents you may detect.
During the online contracting process, the user will not only have access to a guide on the website with the different procedures that must be followed to conclude the contract, but will also have the option of telephone advice at all times.
Right of withdrawal
Pursuant to Article 10 of Law 22/2007 of 11 July on distance marketing of financial services to consumers, you have a period of 14 calendar days to withdraw from the distance contract, without giving any reason and without any penalty. The period will be 30 days for life insurance.
This right will not apply to the following insurance contracts:
- Insurance contracts in which the policyholder assumes the investment risk, as well as contracts in which the guaranteed return depends on the investments assigned to them.
- Travel or luggage for a period of less than one month.
- Those whose effects end before the period referred to in section 1 (i.e., 14 calendar days).
- Those who fulfill an insurance obligation of the policyholder.
- Insured pension plans.
To exercise this right, the policyholder will only need to notify his decision to withdraw using any procedure that allows notification to be recorded, in any way permitted by law, indicating the product purchased, policy number and insurance company.
You can exercise your right through the withdrawal form, but its use is not mandatory.
Download the form to exercise the right of withdrawal here
In compliance with the provisions of article 10 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce, general information relating to the Companies that make up the Concentra Group is made available to Users.
- Gescobert Insurance Brokerage SL
- UBL BROKERS GRUPO CONCENTRA, SA
- HISPANIA RISK BROKER INSURANCE AND REINSURANCE BROKERAGE, S.A.
- HISPANIA GLOBAL UNDERWRITING REINSURANCE BROKERAGE, SL
- Sartorio Insurance Agency SLU
- Cobertgest Grupo Concentra SL
The registration of brokerage and agency companies in the Registry of Insurance and Reinsurance Distributors of the General Directorate of Insurance and Pension Funds can be verified on the website of said body:
https://www.dgsfp.mineco.es/es/Distribuidores/PUI/Paginas/pui.aspx
Customer service and defense (Means of Complaint)
As established by the regulations on customer protection for financial services, Gescobert Correduría de Seguros, SL has a customer service department to deal with and resolve complaints and claims from consumers identified in this document. Complaints addressed to this service are mandatory in out-of-court resolutions.
Gescobert Correduría de Seguros, SL complies with all the requirements regarding customer service departments and services and the customer advocate of financial institutions, having an external Customer Service, which will resolve your complaints and claims within two months from the day of their presentation, for which the Complaint Form must be sent to:
CROWE LEGAL AND TAX BCN, SLP
Telephone: 93 215 32 23
E-mail: elcol-legi@elcol-legi.org
The procedure for resolving customer complaints and claims is established in the “Regulations for the Defense of the Customer.”
Transparency and customer protection regulations for financial services:
*Law 44/2002, of November 22, on measures to reform the financial system.
*Royal Decree 303/2004, of February 20, approving the Regulation of the Commissioners for the defense of the client of financial services.
*Order ECO/734/2004 of March 11, on customer service departments and services and the financial institutions ombudsman.
- Royal Legislative Decree 1/2007, of November 16, approving the revised text of the General Law for the Defense of Consumers and Users and other complementary laws.
In the event of no response within the period indicated above or of disagreement with the result of the Customer Service’s decision or failure, you have the right to contact the Complaints Service of the General Directorate of Insurance and Pension Funds to submit the complaint or claim to it. You may submit the complaint by sending it to the following postal address:
Paseo de la Castellana, 44, 28046 – Madrid. Tel: 952 24 99 82 (Opening hours: Monday to Friday from 9:30 a.m. to 2:30 p.m.).
The complaint or claim can be submitted electronically through the website of the General Directorate of Insurance and Pension Funds, www.dgsfp.mineco.es .
Brokerage Liability (Environmental Guarantee)
Access to this website or its use in any way implies acceptance of all the provisions of this Legal Notice.
Gescobert Correduría de Seguros, SL uses all the security and control measures available to it in order to reduce to a minimum the problems caused by technical errors. However, some data or information contained on the website may have been created or structured in files or formats that are not error-free, so it cannot be guaranteed that the service will not be temporarily interrupted or affected in any other way by such technical problems.
Gescobert Correduría de Seguros, SL reserves the right to temporarily or permanently interrupt the services provided through this website, giving notice, unless technically impossible, by means of a notice on the website itself.
Gescobert Correduría de Seguros, SL displays on its website information on promotions and offers provided by the various insurers, which in no case constitute a binding offer in themselves, these are subject to approval conditions by the insurance company, according to its contracting conditions.
Gescobert Correduría de Seguros, SL reserves the right to modify this Legal Notice at any time, in order to adapt it to regulatory changes or for business reasons. Consequently, it will be the responsibility of all Users to read the Legal Notice in force each time they access this website, and therefore, if they do not agree with any of the conditions set out herein, they must refrain from accessing it.
Intellectual and Industrial Property
The texts, drawings, photographs, other audiovisual elements and programming elements contained or used on this website that form part of it are the property of the brokerage.
The brokerage does not grant any rights of reproduction, distribution, public communication or transformation of the website, its programming, its design or its contents. Any use of the website that is not in accordance with its purpose is prohibited.
In this sense, the use of this website does not imply the transfer of any of the rights of reproduction, distribution, public communication or transformation of any of the aforementioned works.
Contact information
You can contact us either by post at Calle Marie Curie nº 5, Edif. Alfa 4º 4.6 28521 Rivas-Vaciamadrid (Madrid) or by email at gescobert@gescobert.es . If you use email, we will contact you as soon as possible.
Privacy
In accordance with the provisions of EU Regulation 2016/679 approving the General Data Protection Regulation (“GDPR”), GESCOBERT has implemented a Security Policy that aims to ensure the application of those technical and organizational security measures that are necessary, at all times and always taking into account the type of information or data processed, and the state of the art, to guarantee the security, confidentiality and integrity of the personal data processed. Likewise, GESCOBERT has a Privacy Policy in accordance with the GDPR and which details, among other issues, the scope, purposes and basis of the data processing carried out. Both Policies are available at see Privacy Policy . In order to provide its insurance brokerage and distribution services, GESCOBERT will collect and process personal data, including specially protected data (mainly health data) that you provide us, for the purpose of providing private insurance brokerage services, as well as the maintenance, administration and management of your insurance policy, including claims management. If you do not provide the requested data or, where appropriate, do not consent to its processing for the specified purposes, the services cannot be carried out; in this regard, Law 50/1980, of October 8, on Insurance Contracts, establishes the duty of the policyholder to declare to the insurer, before the conclusion of the contract, in accordance with the questionnaire that the latter submits, all the circumstances known to him that may influence the risk assessment. If you provide us with data of third parties.
You must inform them of the details contained in this document prior to your communication. The data will be kept for as long as they are necessary for the provision of the services, and subsequently for the period of exercising possible claims arising from them.
Without prejudice to your reading them carefully, we provide you with basic information on the treatment below, which reflects the most relevant issues of the aforementioned policies:
If you have any questions regarding this communication or any other aspect relating to personal data, please contact GESCOBERT’s Data Protection Officer.
BASIC INFORMATION ON DATA PROTECTION
Responsible party: GESCOBERT INSURANCE BROKERAGE SLU.
Data Protection Officer: rgpd@concentragrupo.com
PURPOSES:
- Provision of private insurance mediation services.
- Conduct analyses or studies and promote and offer own or third-party products marketed by GESCOBERT.
- Comply with our legal and regulatory obligations.
LEGITIMATION:
- Execution of a contract.
- Legitimate interest.
- Consent.
- Compliance with legal obligations.
RECIPIENTS:
Insurance companies with which your risks are quoted and insurance policies are subscribed, medical offices, health centres, experts and other third parties for claims management. GESCOBERT Group companies and other third parties, including those based in countries outside the European Economic Area, as described in GESCOBERT’s Privacy Policy.
RIGHTS:
You may exercise your rights of access, rectification, deletion, portability, limitation and opposition to processing by post to GESCOBERT (Marie Curie, 5. Floor 4, 4th. ALFA BUILDING (Rivas-Vaciamadrid)) or by email ( rgpd@concentragrupo.com ), proving your identity.
ADDITIONAL INFORMATION You can consult additional and detailed information on our website:
If you have any questions regarding the processing of your personal data, or if you wish to file a complaint or claim regarding the same, you can contact the GESCOBERT Data Protection Officer ( rgpd@concentragrupo.com ). In any case, you can file a claim with the Spanish Data Protection Agency as the supervisory authority in the matter ( www.aepd.es ).
This Legal Notice is governed by Spanish law. To the extent permitted by law, the parties expressly waive any other jurisdiction that may apply to them and agree to submit to the jurisdiction of the Courts and Tribunals of Madrid Capital.