General conditions of use (GCU)

In compliance with art. 10 of Law 34/2002, of July 11, 2002, of services of the information society and electronic commerce, we inform you that the responsible for this website is:

C.I.F / N.I.F.: B42505420
TELEPHONE. 965743248





The present general conditions of use (hereinafter GCU), regulate the access and use of the Website under the domain EXPATINSURA.COM (hereinafter Website), owned by “COURTENAY & URSELMANN, S.L.” (hereinafter EXPATRIATE INSURANCE), made available to users (hereinafter User/s).

If you have any doubts or queries related to the use and access to the Website or to the present GTU, you may contact us through the contact details published in the Legal Notice.


The use of the Website implies full acceptance by the User of the GTU in force at the time the User accesses it. Therefore, if the User does not agree with any of the conditions set forth herein, he/she should refrain from using this Website.

Consequently, the User must read the GTU carefully each time he/she intends to use the Website. In any case, EXPATRIATE INSURANCE reserves the right to modify, without prior notice and at any time, the TOU. EXPATRIATE INSURANCE also reserves the right to suspend, interrupt or cease operating the Website at any time.

By “use of the Website”, we mean any User who accesses and browses the Website regardless of whether or not he/she completes the registration forms.


Access to the Website and/or the Contents included therein does not imply any type of guarantee regarding the suitability of the Website and/or the Contents included therein for the particular or specific purposes of the Users. EXPATRIATE INSURANCE may establish additional limitations and/or conditions for the use and/or access to the Website and/or the Contents, which must be observed by the Users in all cases.

3.1- Access and Use of the Website.
Unless otherwise provided, the use of the Website will be free of charge, without prejudice to the cost of connection through the corresponding telecommunications network contracted by the User. The User acknowledges that he/she is over eighteen years of age, and is also aware and voluntarily and expressly accepts that the use of the Website is in any case under his/her sole and exclusive responsibility.

The User undertakes to comply with the GTU, as well as to comply with the special warnings or instructions contained in the Website and to always act in accordance with the law, good customs and the requirements of good faith, using his or her utmost care taking into account the nature and consideration of the service he or she enjoys. To this effect, the User will abstain from using the Website in any way that may impede, damage or deteriorate the normal functioning of the same, the goods or rights of EXPATRIATE INSURANCE, its suppliers, its distributors, the rest of the Users or in general of any third party.

Specifically, and without this implying any restriction to the obligation assumed by the User in general in accordance with the previous section, the User is obliged in the use of the Website:

a) Not to enter, store or disseminate on or from the Website, any information or material that is defamatory, libelous, obscene, threatening, xenophobic, pornographic, in support of terrorism, incites violence, discrimination on grounds of race, sex, ideology, religion or in any way violates the form, public order, fundamental rights, public freedoms, honor, privacy or image of others and in general the current regulations.

b) Not to introduce, store or disseminate through the Website any computer program, data, virus, code, or any other electronic or physical instrument or device that may cause damage to the Website, to any of the services, or to any of the equipment, systems or networks of EXPATRIATE INSURANCE, of any User, of the Suppliers or Distributors of EXPATRIATE INSURANCE or in general of any third party, capable of causing any type of alteration or preventing the normal functioning of the same.

c) Not to introduce, store or disseminate through the Website any content that infringes the intellectual or industrial property regulations or the rights of third parties, nor in general any content of which it does not hold, in accordance with the law, the right to make it available to third parties.

3.2- Access and Use of the Contents.
The Contents of the Website are made available to the User with information from both own and third party sources.

EXPATRIATE INSURANCE endeavors to ensure that the Contents are of the highest possible quality and are reasonably up to date, but does not guarantee the usefulness, accuracy, completeness, relevance and/or timeliness of the Contents.

By means of these GTU no intellectual or industrial property rights are granted over the Website or any of its integral elements, and the User is expressly prohibited from reproducing, transforming, distributing, publicly communicating, making available, extracting, reusing, resending or using any of them in any way, by any means or procedure, except in those cases where it is legally permitted or authorized by the owner of the corresponding rights.

The User will be able to visualize and obtain a temporary private copy of the Contents for his exclusive personal and private use in his computer systems (software and hardware), as long as it is not with the purpose of developing activities of commercial or professional character. The User shall refrain from obtaining, or attempting to obtain, the Contents by means or procedures other than those that in each case have been made available or indicated for that purpose or those that are commonly used on the Internet (provided that the latter do not involve a risk of damage or disablement of the Website). The User must at all times respect all intellectual and industrial property rights over the Website, owned by EXPATRIATE INSURANCE or third parties.

5.1.- Exclusion of Guarantees and Liability for the functioning of the Website.
EXPATRIATE INSURANCE does not guarantee the availability and continuity of the functioning of the Website and of the services or Contents offered therein, nor that the contents of the Website are up to date, and is exonerated from all liability for damages of any nature that may arise from such circumstances.

EXPATRIATE INSURANCE will carry out, provided that there are no circumstances that make it impossible or difficult to carry out, and as soon as it becomes aware of the errors, disconnections and/or lack of updating of the contents, all those tasks aimed at correcting the errors, re-establishing communication and/or updating the aforementioned contents.

Likewise, EXPATRIATE INSURANCE does not guarantee either the technical reliability of its Website, or access to its various pages, and is likewise exonerated from any liability for damages of any nature that may arise for this reason.

Furthermore, EXPATRIATE INSURANCE is not responsible for any possible errors or deficiencies in security that may occur due to the use of the Website.
security that may occur due to the use by the User of a browser with an outdated or insecure version of the browser or for damages, errors or inaccuracies that may result from the malfunction of the same.

In order to reduce the risk of introducing viruses on the Website, it uses virus detection programs to control all the Content that it introduces on the Website. Nevertheless, EXPATRIATE INSURANCE does not guarantee the absence of viruses or other elements on the Website introduced by third parties outside EXPATRIATE INSURANCE that may cause alterations in the physical or logical systems of the users or in the electronic documents and files stored in their systems.

Consequently, EXPATRIATE INSURANCE will in no case be responsible for any damages of any kind that may derive from the presence of viruses or other elements that may cause alterations in the physical or logical systems, electronic documents or files of the Users.
EXPATRIATE INSURANCE adopts various protective measures to protect the Website, the data collected and the Contents
collected and the Contents against computer attacks by third parties. However, EXPATRIATE INSURANCE does not guarantee that unauthorized third parties can have access to the type of use or navigation of the Website by the User or the conditions, characteristics and circumstances under which it is carried out. Consequently, EXPATRIATE INSURANCE will in no case be liable for any damages that may arise from such unauthorized access.

EXPATRIATE INSURANCE will in no case be responsible for the use that users and/or third parties may make of the Website or the Contents, nor for any damages that may derive from the same.

5.2.- Exclusion of Guarantees and Liability for the Contents.
EXPATRIATE INSURANCE does not edit the Contents of third parties published on the Website and, consequently, does not guarantee and is not responsible for the legality, reliability, usefulness, truthfulness, accuracy, exhaustiveness and currency of said Contents, nor for the Contents owned by EXPATRIATE INSURANCE.

EXPATRIATE INSURANCE shall in no case be liable for any damages that may arise from:

(i) the lack of lawfulness, truthfulness, accuracy, completeness and/or timeliness of the Contents originated by third parties and its own; (ii) the unsuitability for any purpose and the disappointment of the expectations generated by the Contents;
(iii) decisions or actions taken or avoided by the user in reliance on the information or data provided or provided in the Contents, including without limitation lost profits or business opportunities.

Those persons who intend to establish hyperlinks between their Web page and the Website must observe and comply with the following conditions:

i) Prior authorization will not be necessary when the Hyperlink only allows access to the home page of the Website, but may not reproduce it in any form. Any other form of Hyperlink will require the express and unequivocal written authorization of EXPATRIATE INSURANCE.

ii) The Web page on which the Hyperlink is established may only contain what is strictly necessary to identify the destination of the Hyperlink.

iii) The Web page on which the Hyperlink is established will not contain information or content that is illicit, contrary to morality and generally accepted good customs and public order, nor will it contain content contrary to any third party rights.

iv) EXPATRIATE INSURANCE reserves the right to block Hyperlinks to the Website that do not have express prior authorization, even if they comply with the provisions of this point of the General Conditions.

EXPATRIATE INSURANCE reserves the right to exercise whatever actions are available at law to demand the responsibilities arising from the breach of any of the provisions of these General Conditions of the Website on the part of a user.

The declaration of any of the clauses contained in these General Conditions as null, invalid or ineffective will not affect the validity or effectiveness of the remaining clauses, which will continue to be binding between the parties.

These GTU shall be governed by the provisions of Spanish law. Any dispute relating to the conditions of use and access to this Website contained in this document of CGU of the Website, the parties submit, expressly waiving any other jurisdiction that may correspond to them, unless otherwise determined by law, to the Courts of Denia.

For the purposes of making the appropriate notifications, EXPATRIATE INSURANCE designates the address specified in the Legal Notice as the contact address. The e-mail address provided by the User during the registration process on the Website will be used by EXPATRIATE INSURANCE for the purpose of sending notifications to the User. The User is obliged to keep the data duly updated for the purposes of notifications referred to in this clause.

All Notifications made by EXPATRIATE INSURANCE to the User shall be deemed to have been validly made if they have been made using the data and by the means indicated above. EXPATRIATE INSURANCE accepts no responsibility for any damage that may arise from the User’s failure to comply with his obligation to keep his contact details up to date.

Informative note: this privacy policy must be inserted in a page located at the bottom of the website called “Privacy Policy”. All forms on the website that collect personal data must have a checking “I have read and accept the privacy policy”.