General information
Welcome to the ERSM Insurance Brokers website
In compliance with the duty of information set forth in Law 34/2002 on Information Society Services and Electronic Commerce (LSSI-CE) of July 11, the following general information data of this website are provided below:
The ownership of this website ersmbrokers.com (hereinafter Website) is held by: ERSM INSURANCE BROKERS CORREDURÍA DE SEGUROS Y REASEGUROS, with NIF: A58538687 and registered in the Mercantile Registry of Madrid; and whose registration data are: Volume 37328, Folio 158, Page M-665667.
ERSM INSURANCE BROKERS CORREDURÍA DE SEGUROS Y REASEGUROS carries out the activity of insurance intermediary.
General conditions of use
The purpose of these General Conditions of Use (hereinafter Conditions) is to regulate access to and use of the Website. For the purposes of these Conditions, the Website shall be understood as:
- The external appearance of the screen interfaces, both statically and dynamically, that is, the navigation tree; and all the elements integrated both in the screen interfaces and in the navigation tree (hereinafter Contents) and all those online services or resources that, where appropriate, are offered to Users (hereinafter Services).
ERSM INSURANCE BROKERS reserves the right to modify, at any time, and without prior notice, the presentation and configuration of the Website and of the Contents and Services that may be incorporated therein. The User acknowledges and accepts that ERSM INSURANCE BROKERS may interrupt, deactivate and/or cancel any of these elements that are integrated into the Website or access to them at any time.
Access to the Website by the User is free and, as a general rule, is free of charge without the User having to provide any consideration in order to enjoy it, except for the cost of connection through the telecommunications network provided by the access provider contracted by the User.
The use of any of the Contents or Services of the Website may be made through the subscription or prior registration of the User.
The User
Access, browsing and use of the Website, as well as the spaces enabled to interact between Users, and the User and ERSM INSURANCE BROKERS, such as comments and/or blogging spaces, confers the condition of User, for which they are accepted, from the moment browsing the Website begins, all the Conditions established herein, as well as their subsequent modifications, without prejudice to the application of the corresponding legal regulations of mandatory compliance as the case may be. Given the relevance of the foregoing, the User is recommended to read them each time they visit the Website.
The ERSM INSURANCE BROKERS Website provides a great diversity of information, services and data. The User assumes responsibility for making correct use of the Website. This responsibility shall extend to:
- A use of the information, Contents and/or Services and data offered by ERSM INSURANCE BROKERS that is not contrary to the provisions of these Conditions, the Law, morality or public order, or that in any other way may involve injury to the rights of third parties or the operation of the Website itself.
- The veracity and legality of the information provided by the User in the forms extended by ERSM INSURANCE BROKERS for access to certain Contents or Services offered by the Website. In any case, the User shall immediately notify ERSM INSURANCE BROKERS of any event that allows the improper use of the information registered in said forms, such as, but not limited to, theft, loss, or unauthorized access to identifiers and/or passwords, in order to proceed to its immediate cancellation.
ERSM INSURANCE BROKERS reserves the right to withdraw all those comments and contributions that violate the law, respect for the dignity of the person, that are discriminatory, xenophobic, racist, pornographic, spamming, that threaten youth or childhood, order or public safety or that, in its opinion, are not suitable for publication.
In any case, ERSM INSURANCE BROKERS shall not be responsible for the opinions expressed by Users through comments or other blogging or participation tools that may exist.
The mere access to this Website does not imply the establishment of any type of commercial relationship between ERSM INSURANCE BROKERS and the User.
This ERSM INSURANCE BROKERS Website is aimed at all people, regardless of their age, who can access and/or browse the pages of the Website.
The Website is aimed primarily at Users residing in Spain. ERSM INSURANCE BROKERS does not ensure that the Website complies with the laws of other countries, either totally or partially. If the User resides or has their domicile elsewhere and decides to access and/or browse the Website, they will do so under their own responsibility, and must ensure that such access and browsing complies with the local legislation that is applicable to them, and ERSM INSURANCE BROKERS assumes no responsibility whatsoever that may arise from said access.
Access and browsing on the Website: Exclusion of guarantees and liability
ERSM INSURANCE BROKERS does not guarantee the continuity, availability and usefulness of the Website, nor of the Contents or Services. ERSM INSURANCE BROKERS will do everything possible for the proper functioning of the Website, however, it is not responsible or guarantees that access to this Website will be uninterrupted or that it is free of error.
Nor is it responsible or guarantees that the content or software that can be accessed through this Website is free of error or causes damage to the User's computer system (software and hardware). In no case shall ERSM INSURANCE BROKERS be liable for any losses, damages or prejudices of any kind arising from access, browsing and use of the Website, including, but not limited to, those caused to computer systems or those caused by the introduction of viruses.
ERSM INSURANCE BROKERS is also not responsible for any damages that may be caused to users by improper use of this Website. In particular, it is not responsible in any way for any failures, interruptions, lack or defect of telecommunications that may occur.
Cookies Policy
Access to this Website may involve the use of cookies. Cookies are small amounts of information that are stored in the browser used by each User—on the different devices that they may use to browse—so that the server remembers certain information that subsequently and only the server that implemented it will read. Cookies facilitate browsing, make it more user-friendly, and do not damage the browsing device.
Cookies are automatic procedures for collecting information relating to the preferences determined by the User during their visit to the Website in order to recognize them as a User, and personalize their experience and use of the Website, and may also, for example, help to identify and resolve errors.
The information collected through cookies may include the date and time of visits to the Website, the pages viewed, the time spent on the Website, and the sites visited just before and after it. However, no cookie allows this same to be contacted with the User's telephone number or with any other means of personal contact. No cookie can extract information from the User's hard drive or steal personal information. The only way that the User's private information becomes part of the Cookie file is if the user personally gives that information to the server.
- Own cookies:
These are cookies that are sent to the User's computer or device and managed exclusively by ERSM INSURANCE BROKERS for the better functioning of the Website. The information collected is used to improve the quality of the Website and its Content and your experience as a User. These cookies allow the User to be recognized as a recurring visitor to the Website and to adapt the content to offer content that matches their preferences.
The entity(ies) in charge of supplying cookies may transfer this information to third parties, whenever required by law or a third party processes this information for said entities.
- Disable, reject and delete cookies:
The User can disable, reject and delete cookies—totally or partially—installed on their device by configuring their browser (among which are, for example, Chrome, Firefox, Safari, Explorer). In this sense, the procedures for rejecting and deleting cookies may differ from one Internet browser to another. Consequently, the User must go to the instructions provided by the Internet browser they are using. In the event that you reject the use of cookies—totally or partially—you may continue to use the Website, although the use of some of its features may be limited.
- Changes to the Cookie Policy:
It is possible that the Website's Cookie Policy may change or be updated, so it is advisable to review this policy each time you access the Website in order to be adequately informed about how and why we use cookies.
Your privacy
You can consult the privacy and data protection policy in this link.
Links policy
It is reported that the ERSM INSURANCE BROKERS Website puts or may put at the disposal of Users link means (such as, among others, links, banners, buttons), directories and search engines that allow Users to access websites belonging to and/or managed by third parties.
The installation of these links, directories and search engines on the Website is intended to facilitate Users' search for and access to information available on the Internet, without it being considered a suggestion, recommendation or invitation to visit them.
ERSM INSURANCE BROKERS does not offer or market by itself or through third parties the products and/or services available on said linked sites.
Likewise, it will not guarantee the technical availability, accuracy, veracity, validity or legality of sites other than its property that can be accessed through the links.
ERSM INSURANCE BROKERS will in no case review or control the content of other websites, nor does it approve, examine or endorse the products and services, content, files and any other material existing on the aforementioned linked sites.
ERSM INSURANCE BROKERS assumes no responsibility for any damages that may occur due to access, use, quality or legality of the contents, communications, opinions, products and services of websites not managed by ERSM INSURANCE BROKERS and that are linked on this Website.
The User or third party that makes a hyperlink from a web page of another, different, website to the ERSM INSURANCE BROKERS Website must know that:
The reproduction —total or partially— of any of the Contents and/or Services of the Website is not allowed without the express authorization of ERSM INSURANCE BROKERS.
Neither is any false, inaccurate or incorrect statement about the ERSM INSURANCE BROKERS Website, or about the Contents and/or Services thereof, allowed.
With the exception of the hyperlink, the website on which said hyperlink is established shall not contain any element of this Website protected as intellectual property by the Spanish legal system, unless expressly authorized by ERSM INSURANCE BROKERS.
The establishment of the hyperlink shall not imply the existence of relations between ERSM INSURANCE BROKERS and the owner of the website from which it is made, nor the knowledge and acceptance of ERSM INSURANCE BROKERS of the contents, services and/or activities offered on said website, and vice versa.
Intellectual and industrial property
ERSM INSURANCE BROKERS by itself or as an assignee, is the owner of all the intellectual and industrial property rights of the Website, as well as the elements contained therein (including but not limited to, images, sound, audio, video, software or texts, trademarks or logos, color combinations, structure and design, selection of materials used, computer programs necessary for its operation, access and use, etc.). They will, therefore, be protected as intellectual property by the Spanish legal system, being applicable to them both Spanish and Community regulations in this field, as well as international treaties relating to the matter and signed by Spain.
All rights reserved. By virtue of the provisions of the Intellectual Property Law, the reproduction, distribution and public communication, including its modality of making available, of all or part of the contents of this website, for commercial purposes, in any medium and by any technical means, without the authorization of ERSM INSURANCE BROKERS, are expressly prohibited.
The User undertakes to respect the intellectual and industrial property rights of ERSM INSURANCE BROKERS. You may view the elements of the Website or even print, copy and store them on the hard drive of your computer or on any other physical medium provided that it is, exclusively, for your personal use. The User, however, may not delete, alter, or manipulate any protection device or security system that was installed on the Website.
In the event that the User or third party considers that any of the Contents of the Website involves a violation of intellectual property protection rights, they must immediately notify ERSM INSURANCE BROKERS through the contact details in the GENERAL INFORMATION section of this Legal Notice and General Conditions of Use.
Legal actions, applicable legislation and jurisdiction
ERSM INSURANCE BROKERS reserves the right to present the civil or criminal actions it deems necessary for the improper use of the Website and Contents, or for the breach of these Conditions.
The relationship between the User and ERSM INSURANCE BROKERS shall be governed by the regulations in force and applicable in Spanish territory. Should any dispute arise in relation to the interpretation and/or application of these Conditions, the parties shall submit their disputes to the ordinary jurisdiction, submitting to the judges and courts that correspond in accordance with the law.
Transparency Policy
You can consult the Transparency Policy of ERSM Insurance Brokers in this link
Prior information to clients
You can consult the Prior information to provide to clients of ERSM Insurance Brokers in this link
About ERSM Insurance Brokers
ERSM Insurance Brokers Correduría de Seguros y Reaseguros SAU has its fiscal address in Madrid, Calle Princesa, nº 31, 4ª, as well as its registered office in Calle Nicaragua 50, Barcelona.
Registered in the Mercantile Registry of Madrid Volume 37,328, Folio 158, with sheet M-665,667 - C.I.F. A-58538687.
This brokerage is registered with the identifier J-0290 and RJ-0090 in the administrative register of mediators of the Directorate General of Insurance and Pension Funds (Ministry of Economic Affairs and Digital Transformation), where the aforementioned registration can be verified.
ERSM Insurance Brokers Correduría de Seguros y Reaseguros SAU does not have any direct or indirect participation in the share capital or voting rights of any insurance entity, nor does any insurance entity or company linked to them have any participation in our share capital, nor any voting rights.
We are legally obliged to provide you, as part of our insurance mediation task, with objective and independent professional advice on the type of insurance contract that suits your needs.
The mediation of your policies will be carried out based on your information and data on the risk and coverage that are ultimately of interest to you. We remind you of the importance of reviewing at the time the risk data, coverage and statements contained in the policy conditions and that, if you observe any error or divergence with respect to the agreed extremes and/or your request, let us know immediately. There is a period of one month from the delivery of the policy to request its correction, after which the content of the policy will be followed.
We inform you that for our mediation and intervention in the contracting and management of your policies we do not invoice fees to your charge, as our remuneration is already included in the insurance premium.
We inform you that if you wish to file any complaint or claim regarding our intervention as mediators, you can contact our Customer Service Department W2B Servicios Auxiliares de Gestión S.L. whose owner is Jorge Campos Moral, located in Calle Segundo Mata 1, planta 2, oficina 7, Pozuelo de Alarcón 28224, info@grupow2b.es, who has a period of two months to resolve. We have at your disposal the operating regulations of the aforementioned Department adapted to current legislation.
The Client Advocate has 2 months to resolve your request.