Terms and Conditions
Preamble 
 

PSA INSURANCE SOLUTIONS is an insurance intermediary which registered office is located at MIB HOUSE, 53 Abate Rigord Street, Ta' Xbiex, in Malta, registered under number C83206. PSA INSURANCE SOLUTIONS carries out its business under the freedom to provide services regime. In this regard, PSA INSURANCE SOLUTIONS is granted an authorization from the Malta Financial Services Authority.

This Site presents the products and the services of the following insurance company:

PSA  Insurance Limited, incorporated under the laws of Malta registered  under number C44567, and which registered office is located at MIB HOUSE, 53 Abate Rigord Street, Ta' Xbiex,  in Malta.

This company carries out its businesses under the freedom to provide services regime. In this regard, it is granted an authorization from the Malta Financial Services Authority. 

 
1. Object

These Terms of Use set out in detail the conditions of access and use of the Site of PSA INSURANCE SOLUTIONS.

The User of the present Site is deemed to have accepted these Terms of Use.

The operating conditions and the use of the remote subscription services for insurance products are described in a separate document. 

 
2. Access to the Site and availability
 

The access to the Site requires a sufficient high-speed Internet connection and the use of an appropriate access terminal (computer or other).

The User hereby acknowledges that it has the necessary skills and all the means necessary to access and use the Site.

PSA INSURANCE SOLUTIONS undertakes to make its best efforts to ensure availability of the Site to the Users at any time and allow the Users to use its services. However, PSA INSURANCE SOLUTIONS declines all responsibility in the event of the unavailability of the Site for any reason whatsoever.

PSA INSURANCE SOLUTIONS cannot under any circumstances be liable for the reliability of data transmissions, access times, or any access restrictions on the Internet network or the networks connected to it.

The User acknowledges that the use of the Internet network does not guarantee the secrecy of correspondence. The User is therefore responsible for taking all appropriate measures to protect his own data, tools and equipment.

PSA INSURANCE SOLUTIONS cannot guarantee the performance of the proper functioning of its Site or its complete security. 

 
3. Use of the Site
 

The User shall not use the Site or its contents for any purpose that is unlawful or contrary to these Terms of Use.

The User undertakes not to hinder, in any way whatsoever, the proper functioning of the Site, not to block or alter the normal flow of data, not to fraudulently access the information system of the Site or, access all of its data, disrupt it or modify it.

The User accepts the risks and limitations of the Internet, and acknowledges that he/she is solely responsible for his/her use of the information.

PSA INSURANCE SOLUTIONS shall not be held liable for any misuse of the Site by the User. 

 
4. Content published on the Site

The content of the Site is available in English.

The information published on the Site is provided for general information only. PSA INSURANCE SOLUTIONS endeavors to ensure the accuracy and the updating of the information published on the Site, and PSA INSURANCE SOLUTIONS reserves the right to modify it at any time without prior notice.

PSA INSURANCE SOLUTIONS makes no claim to completeness of the contents published on the Site.

The contents of the Site are for information purpose only. The information published on the Site cannot be assimilated to an offer, canvassing or a solicitation by PSA INSURANCE SOLUTIONS in respect of the User. 

 
5. Personal Data
 

Processing Personal Data

PSA INSURANCE SOLUTIONS guarantees the User respect for his/her privacy. This privacy policy will explain how our entity uses the data we collect from you when you use our website.

Data Collected

We collect the following data:

-          Personal identification information (Name, e-mail address, telephone number)

-          Website URL

-          Type of insurance products interested in

How is Data Collected

In accordance with Maltese and European Law, PSA INSURANCE SOLUTIONS, as a Data controller, and Processor, can collect the Users’ Personal Data in order to meet the expectations of the User, in particular through specific forms. This data may be used in connection with the, management and execution of the website.

The data collected is provided to us directly by you, when:

-          Register on our website to apply for our partner program.

-          Use or view our website via your browser’s cookies

How will we use your data?

PSA Insurance Solutions Ltd collects your data so it can process your interest in any product to initiate a relationship with you as our potential partner.

How we store your data and the retention period

The data for successful partners is stored for 10 years starting from the last communication with the clients or the end of the contract, depending on which event occurs last, once the retention period expires, all data is anonymized automatically.

Data Protection Rights

The User, in accordance with Maltese and European Law, has the right to access, modify, rectify or delete their personal data collected on the Site.

The User can, at any time, object to the processing of his personal data for legitimate reasons.

To exercise his rights, the Users will send a registered letter to the manager of the Site to the following address, with a copy of his identity document:  Data Protection Officer, PSA Insurance - 53, Mib House, Abate Rigord Street Ta' Xbiex, XBX 1122, Malta or by sending an email to Psainsurance-privacy@mpsa.com.

We do our best to provide you with a satisfactory answer. If for any reason, we failed to respond to the above requests, be informed that you have the right to lodge a complaint with the supervisory authority, the Information and Data Protection Commissioner in Malta.

Website: https://idpc.org.mt/en/Pages/Home.aspx

The information identified by an asterisk or any other equivalent process is compulsory for the processing of any application. Failing this, the application cannot be processed or its processing will be delayed.

The User is duly informed that, during his/her visits on the Site, a cookie can be installed automatically on his/her browser.

Cookies are used to analyze the traffic and use of the Site. Thus, when the User browses the Site, the deposit and the reading of the cookies make it possible to analyze his/her navigation and to measure the audience of the Site.

The User can configure his/her browser to refuse and / or delete cookies.

The rules applicable to cookies are described in the "Cookies Policy", available by clicking on the following link: Cookies Policy.

 
6. Intellectual Property right
 

This Site and each content of the Site, in particular computer programs and contents including Data, text, images, sounds, graphics, files shall remain the full and exclusive property of PSA INSURANCE SOLUTIONS, or any third-party which has granted it intellectual property rights.

Any total or partial reproduction and/or representation of the Site or any of its contents, without the express consent of PSA INSURANCE SOLUTIONS is prohibited and can constitute an infringement punishable under articles L.335-2 and following of the French Code of intellectual property.

The databases on the Site are protected by articles L.341-1 and following of the French Code of intellectual property. Any qualitative or quantitative extraction or re-use of the contents of these databases could be sanctioned.

Trademarks appearing on the Site are trademarks registered by PSA INSURANCE SOLUTIONS or by third-parties. Any reproduction, imitation or use, total or partial, of these trademarks without the express consent of PSA INSURANCE SOLUTIONS is a violation of prohibitions contained in articles L.713 - 2 and following of the French Code of intellectual property could be sanctioned.

Other distinctive signs, including corporate names, tradenames, brands, domain names reproduced on the Site are the property of PSA INSURANCE SOLUTIONS or third-parties and any reproduction without express consent of PSA INSURANCE SOLUTIONS could expose its author to liability on the basis of article 1382 of the French civil Code.

The Site contains hypertext links to other websites. The existence of those links is neither a recommendation nor a validation of these websites and their contents by PSA INSURANCE SOLUTIONS. The content and functioning of these websites shall remain under the sole and entire responsibility of the publisher of the relevant websites. PSA INSURANCE SOLUTIONS shall not be liable for the contents of the websites referred to with hypertext link. 

 
7. Modifications
 

PSA INSURANCE SOLUTIONS reserves the right to modify, complete and / or delete, and more generally, update, all or part of these Terms of Use, at any time. PSA INSURANCE SOLUTIONS commits to inform Users on the first page of the Site if there is an amendment or an addition with a significant impact.

If the User continues to use the Site after the addition or modification of the Terms of Use, he/she irrevocably undertakes to accept the revised or updated Terms of Use.

The User must therefore consult them regularly.  

 
8. Applicable law and jurisdiction

The Site and its content are governed by French law, subject to the provisions which cannot be derogated by agreement under the law applicable to the User.

Any dispute related to these Terms of Use will be subject to the exclusive jurisdiction of the French courts.

 
9. Partners
 
The site is realized in collaboration with:
Prima Solutions
Aqubix Ltd is a web design agency based in Malta
Geonames is a service is licensed under a Creative Commons Attribution 3.0 License. The original page is available at www.geonames.org.
 
10. My Account area

These Terms of Use set out in details the conditions of use of the My Account area.  By accessing their customer space, customers may, depending on the contracts they have entered into, consult their documentation and / or make changes to their information. The User acknowledges to have read and accepted without reserve the provisions of these General Terms and Conditions

Access to the Service

Access to the My Account area is reserved for Users of the API from PSA INSURANCE SOLUTIONS.

Access codes

Access to the Online Management Service requires an identification of the User by means of his access codes.

The access codes are composed of:

  •  Login username.
  •  Password created by the User. 

In the event of loss or forgetting of the confidential code, the participant has the possibility to ask to receive a new confidential code which will be sent to him by email.

Actions via My Account

Provided that such operations are active, the My Account allows the User to carry out the operations described below.

The User can: 

  • View list of policies 
  • View details of a policy
  • Access marketing content
  • Edit personal information such as email address
  • Update his/her password
  • View performance statistics

PSA Insurance Solutions reserves the right to modify or delete at any time the scope of products, the scope and conditions of on-line management operations.

 

 

© PSA Insurance Solutions,
PSA Insurance Solutions Ltd Reg No: C83206 is a limited liability company under Maltese Law, having its registered address at: MIB building 53 Abate Rigord Street Ta’ Xbiex Malta, Tel + 356 22 58 34 92. The company is enrolled to act as an insurance agent in terms of the Insurance Intermediaries Act, 2006 by the Malta Financial Services Authority (MFSA), Notabile Road, Attard BKR 3000, Malta.