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Conditions of use
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. When you visit this site again, the conditions of use may have changed and you will be bound by the revised conditions of use.

Disclaimer
To the fullest extent permissible under applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Europ Assistance SA Irish Branch and its' subsidiaries and affiliates (collectively, "Europ Assistance") disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Europ Assistance does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Europ Assistance does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Europ Assistance) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. This website may be linked to other websites which are not maintained by Europ Assistance. Europ Assistance is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Europ Assistance of the websites or the content thereof.

Limitation of liability
We take care to ensure that the information contained in this website is accurate and up-to-date. However, Europ Assistance makes no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither Europ Assistance nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.

Europ Assistance makes no warranties or representations as to the accuracy of the content of this website. To the fullest extent permissible under applicable law, neither Europ Assistance nor any party involved in creating, producing or delivering the website shall be liable to you in negligence or contract for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Europ Assistance or a Europ Assistance authorised representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, Europ Assistance's total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website. To the fullest extent permissible under applicable law, Europ Assistance also assumes no responsibility, and shall not be liable, for any damages to, or viruses that may infect your computer equipment or other property as a result of your access to, use of or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, and in relation to such state or country only, such terms or conditions shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude Europ Assistance's liability for death or personal injury resulting from Europ Assistance's negligence.

We reserve the right, at any time and without notice, to revise the contents of this site including these conditions of use. Any changes to these conditions will be posted on this site and by continuing to use this site following any such change, you will signify that you agree to be bound by the revised conditions.

We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interest to seek verification by contacting us.

Force Majeure
We shall not be liable to you for any breach of these conditions of use or any failure to provide, or any delay in providing, our services through our site that results from any event or circumstance beyond our reasonable control. This includes without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Insurance coverages
Insurance coverages are subject to underwriting, and may not be available in all countries and jurisdictions. Please refer to the actual policy for scope and limitations of coverage.

Restrictions on use of materials
This website is owned and operated by Europ Assistance SA Irish Branch. Except as otherwise expressly permitted by Europ Assistance SA Irish Branch, no materials from this website or any website owned, operated, licensed or controlled by Europ Assistance may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of this website for public or commercial purposes, including the text, images, audio and video without Europ Assistance's prior written permission. Europ Assistance neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Europ Assistance.

Jurisdiction
Unless otherwise expressly set forth herein, Europ Assistance makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as specifically set forth on this website, the information contained on this website is not an offer to sell or a solicitation to buy any insurance product or other product or service.

No insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

Some products and services may not be available in all jurisdictions.

Residency Requirement
The products and services described in this site may be subject to residence requirements. Please check the relevant terms and conditions. 

If they are, by asking for a quote, you confirm that you and any additional insured on the policy are residents of an authorized country and that you will immediately notify us if you or your additional insured stop being a permanent resident of that country.

Ownership of information
Any information, other than personal data or information, you transmit to Europ Assistance via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Europ Assistance. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Europ Assistance is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Europ Assistance via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this website may constitute trade names, registered or unregistered trademarks or service marks ("Trademarks") of Europ Assistance or of third parties and used under license by Europ Assistance. However, the display of trademarks on pages of this website does not imply that any license has been granted to any third party. All information in this website is protected under the copyright laws of the Republic of Ireland, and/or other countries. Users of this website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of Europ Assistance. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this website. Any unauthorised downloading, re-transmission, or other copying or modification of trademarks or other contents of this website may be a violation of statutory or common law rights which could subject the violator to legal action. Images displayed on this website are either the property of, or used with permission by, Europ Assistance. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted herein. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Links to other sites
Certain links, including hypertext links, in this site will lead you to web sites or pages that are not under the control of Europ Assistance. 

Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the site to which it links. Europ Assistance accepts no responsibility for information contained in any of the sites which can be accessed by hypertext link from these pages or for these sites not being available at all times.

Other links in this site will lead you to web sites or pages that are under the control of Europ Assistance group companies around the world. You should be aware that these web sites are maintained and operated locally and the contents and use of such web sites may be governed by the laws and regulation of countries other than the Republic of Ireland and by our regional group companies' conditions of use and/or privacy policy. If you wish to know more about the conditions of use or privacy policies of these web sites please contact the relevant group company.

Internet e-mail
Any unprotected e-mail communication over the Internet is subject to possible interception or loss, and is also subject to possible alteration. Europ Assistance is not responsible for and will not be liable to you or any one else for any damages resulting from interception, loss or alteration in connection with an e-mail sent by you to Europ Assistance or an e-mail sent by Europ Assistance to you.

Policy underwriters
The insurance and / or assistance are underwritten by Europ Assistance S.A. (trading as Europ Assistance S.A. Irish Branch), 4th floor, 4-8 Eden Quay, Dublin 1, D01 N5W8, Ireland.

Europ Assistance S.A. (trading as Europ Assistance S.A. Irish Branch) is regulated in France by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) of 61 rue Taitbout, 75436 Paris Cedex 09, France.  Europ Assistance S.A. Irish Branch conducts business in Ireland in accordance with the Code of Conduct for Insurance Undertakings published by the Central Bank of Ireland.  Registered in Republic of Ireland: Reg. No. 907089.

Software licenses
You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United Kingdom, the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Europ Assistance does not authorise the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

Cookies
Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Some cookies are only placed on your machine for the duration of time you are browsing the site, whereas others may be stored on your device and sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that advertisements you see online are more relevant to you and your interests.

You can find more information about cookies, at www.allaboutcookies.org and www.youronlinechoices.eu.

Accepting or rejecting cookies
Most web browsers will accept cookies, but if you would prefer Europ Assistance did not collect data by this method, you can disable this function within your browser settings. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.

We use cookies to:
• Collect information that will help us to distinguish visitors, to understand visitors’ browsing habits on our website and to improve their experience. Some of them can be third party cookies, which are cookies not set by Europ Assistance.
• Compile statistical reports on website activity, e.g. numbers of visitors and the pages they visit.
• Collect information that will allow us to tailor advertising to make it more relevant for you, based on your previous interactions with our website.
• Remember information about you when you visit our site.

Some of the cookies are essential in order to provide our services to you.

Categories of Cookies
Below, Europ Assistance has set out the two categories of cookies that Europ Assistance uses on our websites. These cookies are:

Functionality cookies
Functionality cookies allow you to browse a website with all essential functionalities, such as secure areas, shopping baskets or billing pages. These cookies do not store any information that could be used for marketing or targeting information.

Performance and analytics cookies
This site uses Google Analytics, a website analysis service provided by Google Inc. ("Google"). Google Analytics uses cookies to help us to operate the website by analysing user behaviour. Data generated by cookies concerning your usage of the site (including your IP address) will be sent to and stored by Google on servers based in the United States. We use this information to evaluate your usage of the site, to compile reports on site activity and to supply additional services relating to site activity and Internet usage. You can obtain more information about Google Analytics services at the following link:
http://www.google.com/analytics/learn/privacy.html

No Financial or Professional Advice
The pages of the website are for information only and do not constitute financial or other professional advice in any way. Europ Assistance recommends that you seek advice from a financial consultant before making any financial or investment decisions. More details and full terms and conditions on all our products are available on request.

Data Protection
Europ Assistance considers your personal data to be private and confidential and is committed to complying with our obligation to keep personal data confidential and our duty to safeguard them. To do so the Insurer will adopt the necessary measures to avoid alteration, loss, handling or access of such data by any non-authorised party, taking into consideration the state of technology at any given time.

Personal data that you provide to Europ Assistance may be used in order to manage your insurance policy, preventing and investigating fraud, and assessing and defining risk.

This information may also be used on behalf of Europ Assistance by other insurance or reinsurance companies for reinsurance or coinsurance purposes, or by emergency medical assistance providers and claims handlers appointed by the Insurer that specialise in claims management, and such other service providers as Europ Assistance uses to assist in the administration of the policy.

Europ Assistance will not use your personal data for any other purposes.

You may exercise your rights of access, rectification, opposition and request the deletion of data by sending written notice to The Compliance Officer, Europ Assistance S.A. Irish Branch, 4th floor, 4-8 Eden Quay, Dublin 1, D01 N5W8, Irland, which must be accompanied by a copy of your National Identification Document (where required by local law, custom or practice) or an equivalent official document, or by sending an e-mail to the following address:
schengen@schengen.europ-assistance.com

Update of legal notice and terms of use
This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the website, ensure that you check this notice.