1.- Legal Terms & Conditions.

This website (www.ponybroker.com) is property of the company PORRAS NIETO INSURANCES BROKER, S.L.P (hereinafter PONY) and its purpose to provide Internet users with information about the services and activities provided by the company, as well as to show its corporate image.

The use of the website www.ponybroker.es implies the unconditional acceptance of the following Terms & Conditions of use. For this reason, we ask you to read them carefully before proceeding to use. If you don´t accept any of the legal Terms & Conditions of this website, we remind you that you mustrefrain from using it.

2.- Ownership and general information.

In compliance whit the provisons of Law 34/2002, of July 11, on information Society Services and Electronic Commerce, it´s reported that the owner of the website PONY, whit address at  St. Pinzón 10, 3º G, 29001 Málaga and CIF B/93484137, registered in the Mercantile Registry of Málaga, volume 5522, folio 222, entry 1, sheet MA-134459.

PONY  is registered in te Mercantile Registry of Málaga in the Registry of the General Directorate of Insurance and Pension Funds with number CSJ0341 and has arranged Civil Liability Insurance and has Financial Capacity as established in Law 26/2006, of July 17, on Mediation of Private Insurance and Reinsurance.

PONY does not have any type of participation in any Insurance Entity nor is it owned by any entity of this nature, which is why we offer you professional and impartial advice.

3.-Service Information

Through this website, PONY offers its clients the possibility of requesting insurance policies, although the decision of whether or not to insure the risk requested by our clients corresponds, solely and exclusively, to the insurance entities with which we collaborate.

In order to be able to comply with your request, PONY will have to transfer the personal data that you provide to us to the Insurance Companies with which we collaborate.

PONY guarantees that said transfer of data complies with current regulations on the protection of personal data. For more information about our data protection policy, you can consult our Privacy Policy.

In accordance with the provisions of article 26 of Law 26/2006, of July 17, on Private Insurance and Reinsurance Mediation, we inform you that the offer we present to our clients is the result of the independent and objective advice provided. by PONY who, among insurance of the same type offered by different insurance entities, proposes the one that, according to our professional criteria, best suits your needs, taking into account both the information provided by the client and our experience of more than 35 years in the market.

The total price that you must pay for the requested policy will be the one that, except for error or omission on the part of the Insurance Company, appears in the proposal that we will send you. In any case, the price offered by PONY includes all possible concepts, whether expenses, taxes or fees, so that you will not be forced to pay an amount different or additional to the amount stated in the offer that we transfer to you.

The offers made by PONY at your insurance request will have a limited and non-extendable validity of 1 month, counted from the date you receive the offer. After this period has elapsed without having contracted the policy, the offer will lose all its validity and effectiveness, and will not be binding on PONY.

 

4.- Right of withdrawal

We inform you that, by virtue of the provisions of article 10 of Law 22/2007, of July 11, on Remote Marketing of Financial Services intended for Consumers, you have a period of fourteen (14) calendar days to withdraw. of the insurance contract that could have been contracted, without the need to indicate the reasons for withdrawal and without any penalty, provided that the harmful event that is the subject of coverage has not occurred. This period will begin to be counted from the date of conclusion of the contract or from the day on which you receive the contractual conditions and other legally required information. Said withdrawal period will be thirty (30) calendar days in the event that the contract concluded has as its purpose life insurance for a duration greater than six months. From the date on which the right of withdrawal is communicated, the risk coverage by the insurer will cease and the policyholder will have the right to a refund of the premium he or she has paid, except for the part corresponding to the period of time in which the contract would have been valid. The right of withdrawal will not be applicable to those insurance contracts signed to comply with an insurance obligation of the policyholder. To exercise the right of withdrawal, you can contact PONY by written communication sent to Calle Pinzón 10, 29001 Málaga, or by email to the following address info@ponybroker.com

 

5.- Customer Support

PONY is a member of the customer service of the Andalusian Council of Associations of Qualified Insurance Mediators. Avenida de Blas Infante, 6, 10C. ED. Urbis. 41011. Seville. Tel. 954452342. Fax: 954003284.6.- Industrial and Intellectual Property Unless expressly stated otherwise, access to this website grants you a limited, non-transferable and non-exclusive right to use, view and navigate through it, also allowing you to use the material provided for your personal and non-commercial use. This right is obviously conditioned to strict compliance with the provisions contained in these Terms & Conditions. This website contains information, software, trademarks, photographs, videos, text, graphics, music, suggestions, comments, ideas, notes, drawings, articles and other materials (collectively referred to as “Content”) that are protected by intellectual property rights. and/or industrial, which are owned by PONY or third parties. PONY holds the ownership or license to use the Content, and is empowered to design, plan, modify, replace and improve said Content. The limited right of use conferred by access to this website does not allow you, in any case, to copy, reproduce, modify, publish, transmit, distribute, dispose of or, in any way, dispose of the Content, in whole or in part. , or exploit it commercially.

PONY is a member of the customer service of the Andalusian Council of Associations of Qualified Insurance Mediators.

Avenida de Blas Infante, 6, 10C. ED. Urbis. 41011. Seville.

Tel. 954452342. Fax: 954003284.6.- Industrial and Intellectual Property

Unless expressly stated otherwise, access to this website grants you a limited, non-transferable and non-exclusive right to use, view and navigate through it, also allowing you to use the material provided for your personal and non-commercial use. This right is obviously conditioned to strict compliance with the provisions contained in these Terms & Conditions.

This website contains information, software, trademarks, photographs, videos, text, graphics, music, suggestions, comments, ideas, notes, drawings, articles and other materials (collectively referred to as “Content”) that are protected by intellectual property rights. and/or industrial, which are owned by PONY or third parties.

PONY holds the ownership or license to use the Content, and is empowered to design, plan, modify, replace and improve said Content. The limited right of use conferred by access to this website does not allow you, in any case, to copy, reproduce, modify, publish, transmit, distribute, dispose of or, in any way, dispose of the Content, in whole or in part. , or exploit it commercially.

 

7.- Cookies

We inform you that this website collects non-personally identifiable information through “cookies”.

“Cookies” are small text files that are placed on your computer in order to identify your Internet Browser and the activities you carry out on our website.

These “cookies” are used for different purposes, such as saving you time when using our website (e.g. saving time by preventing you from having to enter the language selection again each time you visit our website); allow us to statistically control your use of our website, thereby helping us to improve our online offering.

We inform you that you can reject “cookies” if you wish, without this preventing you from using our website. Likewise, we inform you that most Browsers offer instructions on how to reject “cookies” in general or to indicate that you are receiving a “cookie” at a certain time. Typically, the “Help” section of your Browser toolbar will tell you how to perform these tasks.

Notwithstanding the above, we inform you that certain products, offers, features or resources of our website may not operate correctly if you do not allow the use of “cookies”, thereby losing a series of advantages.

8.- Exclusion of guarantees

Please note the following warranty exclusions: a) Exclusion of guarantees and responsibility for the operation of the website PONY does not guarantee uninterrupted access and correct functioning of this website, nor that it is free of defects, errors, computer viruses or other harmful components.

In the event that PONY notices any of these anomalous circumstances, it will try to correct them as soon as possible, but it will not assume any kind of responsibility in this regard, especially with regard to the possible contagion of your computer by a virus hosted on this page. Web.

Therefore, we recommend that before starting navigation through this website you have installed and duly updated antivirus software, which allows you to detect any possible virus that may have infected this page. Despite this recommendation, we also inform you that the installation of antivirus software and its updates do not represent an absolute guarantee against possible infection by computer viruses.

Consequently, PONY will not accept any type of liability of any kind for any damage that may be caused to your computer equipment and that has its origin in the access or use of this website or in the downloading of products, offers, contents and/or or material available therein. b) Exclusion of guarantees and responsibility for the contents

 

b) Exclusion of guarantees and responsibility for contents

The resources, information, content and other materials on this website have been provided either by PONY or by sources other than PONY. For this reason, PONY cannot guarantee the reliability, suitability, veracity, accuracy and timeliness of the resources, information and content provided by external sources. The particular use that you make of the resources, information, content and other materials of this website are your exclusive responsibility.

If you wish to obtain more precise and reliable information about any content, we suggest that you contact us at the following email address info@ponybroker.es and we will try to directly respond to your request and, if this is not possible, we will We will provide, where appropriate, the data of the sources that provided us with the content in question, so that you can contact them.

c) Exclusion of guarantees and liability for links to other pages PONY may provide different types of links to other websites that are owned, controlled or operated, in whole or in part, by third parties. These links are provided exclusively to provide you with quick access to other websites where you can find information that may be of interest to you.

We warn, however, that the contents of those websites that you access through links are not under the control of PONY, and if you decide to access the linked website, you do so at your own discretion. exclusive account and risk.

The fact that PONY provides a link to a third party’s website does not mean that we approve, authorize or sponsor that website or that we are in any way associated with that third party. Any mention of products or services offered through the website owned by a third party, which is provided solely for your convenience and information, does not constitute an approval or recommendation of said products or services by PONY.

In line with the above, PONY does not assume any kind of responsibility in relation to the opinions, comments or statements made by said third parties on its own web pages.

 

9.-Legislation and Jurisdiction

These Terms & Conditions will be interpreted in accordance with Spanish laws. The exercise of any action related to the use of this website or these Terms & Conditions will be subject to the jurisdiction of the Courts of Madrid Capital (Spain), waiving any other jurisdiction that, if applicable, may correspond to you.

 

10.- Nullity

If any provision contained in these Terms & Conditions is found to be illegal, void or, for any reason, ineffective, then it will be deemed excluded from these Terms & Conditions and will not affect the validity and effectiveness of the rest of the provisions.