{"id":3,"date":"2025-10-13T16:56:22","date_gmt":"2025-10-13T16:56:22","guid":{"rendered":"https:\/\/insurance-schengen.eu\/?page_id=3"},"modified":"2026-10-13T11:48:07","modified_gmt":"2026-10-13T09:48:07","slug":"dieu-khoan-va-chinh-sach-bao-mat","status":"publish","type":"page","link":"https:\/\/insurance-schengen.eu\/vi\/terms-and-privacy-policy\/","title":{"rendered":"\u0110i\u1ec1u kho\u1ea3n d\u1ecbch v\u1ee5 v\u00e0 Ch\u00ednh s\u00e1ch b\u1ea3o m\u1eadt"},"content":{"rendered":"<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id3_bb9945-5b{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id3_bb9945-5b > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id3_bb9945-5b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id3_bb9945-5b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:900px;margin-left:auto;margin-right:auto;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;min-height:150px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id3_bb9945-5b{background-image:url('https:\/\/insurance-schengen.eu\/wp-content\/uploads\/2026\/10\/subpage-bg-krakow-rooftops.webp');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}.kb-row-layout-id3_bb9945-5b > .kt-row-layout-overlay{opacity:0.74;background-color:var(--global-palette3, #1A202C);}@media all and (max-width: 1024px), only screen and (min-device-width: 1024px) and (max-device-width: 1366px) and (-webkit-min-device-pixel-ratio: 2) and (hover: none){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id3_bb9945-5b{background-image:url('https:\/\/insurance-schengen.eu\/wp-content\/uploads\/2026\/10\/subpage-bg-krakow-rooftops.webp');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}}@media all and (max-width: 1024px){.kb-row-layout-id3_bb9945-5b > .kt-row-column-wrap{padding-top:20px;padding-right:30px;padding-bottom:20px;padding-left:30px;min-height:190px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id3_bb9945-5b > .kt-row-column-wrap{row-gap:15px;padding-top:10px;padding-right:15px;padding-bottom:10px;padding-left:15px;min-height:160px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id3_bb9945-5b{background-image:url('https:\/\/insurance-schengen.eu\/wp-content\/uploads\/2026\/10\/subpage-bg-krakow-rooftops.webp');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id3_bb9945-5b alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column3_b0fd35-c7 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column3_b0fd35-c7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3_b0fd35-c7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3_b0fd35-c7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3_b0fd35-c7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3_b0fd35-c7{position:relative;}@media all and (max-width: 1024px){.kadence-column3_b0fd35-c7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3_b0fd35-c7 > .kt-inside-inner-col{padding-top:5px;padding-bottom:5px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3_b0fd35-c7 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8, .wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8[data-kb-block=\"kb-adv-heading3_59ff20-c8\"]{margin-top:0px;margin-bottom:8px;text-align:center;font-size:32px;line-height:1.25em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8[data-kb-block=\"kb-adv-heading3_59ff20-c8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8[data-kb-block=\"kb-adv-heading3_59ff20-c8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8, .wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8[data-kb-block=\"kb-adv-heading3_59ff20-c8\"]{font-size:30px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8, .wp-block-kadence-advancedheading.kt-adv-heading3_59ff20-c8[data-kb-block=\"kb-adv-heading3_59ff20-c8\"]{margin-bottom:4px;font-size:26px;}}<\/style>\n<h1 class=\"kt-adv-heading3_59ff20-c8 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading3_59ff20-c8\">Terms of Service and Privacy Policy<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2, .wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2[data-kb-block=\"kb-adv-heading3_113ac1-c2\"]{margin-top:0px;margin-bottom:0px;text-align:center;font-size:17px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2[data-kb-block=\"kb-adv-heading3_113ac1-c2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2[data-kb-block=\"kb-adv-heading3_113ac1-c2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2, .wp-block-kadence-advancedheading.kt-adv-heading3_113ac1-c2[data-kb-block=\"kb-adv-heading3_113ac1-c2\"]{font-size:16px;}}<\/style>\n<p class=\"kt-adv-heading3_113ac1-c2 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading3_113ac1-c2\">How the Insurance Schengen website works and how personal data are processed<\/p>\n\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id3_015042-bc > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id3_015042-bc > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id3_015042-bc > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id3_015042-bc > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id3_015042-bc > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id3_015042-bc > .kt-row-column-wrap{row-gap:15px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id3_015042-bc alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column3_f50e47-67 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3_f50e47-67 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3_f50e47-67 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3_f50e47-67 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3_f50e47-67{position:relative;}@media all and (max-width: 1024px){.kadence-column3_f50e47-67 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3_f50e47-67 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3_f50e47-67\"><div class=\"kt-inside-inner-col\">\n\n<style>.kadence-column3_101519-02{max-width:1250px;margin-left:auto;margin-right:auto;}.wp-block-kadence-column.kb-section-dir-horizontal:not(.kb-section-md-dir-vertical)>.kt-inside-inner-col>.kadence-column3_101519-02{-webkit-flex:0 1 1250px;flex:0 1 1250px;max-width:unset;margin-left:unset;margin-right:unset;}.kadence-column3_101519-02 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3_101519-02 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3_101519-02 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3_101519-02 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3_101519-02{position:relative;}@media all and (min-width: 1025px){.wp-block-kadence-column.kb-section-dir-horizontal>.kt-inside-inner-col>.kadence-column3_101519-02{-webkit-flex:0 1 1250px;flex:0 1 1250px;max-width:unset;margin-left:unset;margin-right:unset;}}@media all and (max-width: 1024px){.kadence-column3_101519-02 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3_101519-02 > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);flex-direction:column;justify-content:center;}.wp-block-kadence-column.kb-section-sm-dir-vertical:not(.kb-section-sm-dir-horizontal):not(.kb-section-sm-dir-specificity)>.kt-inside-inner-col>.kadence-column3_101519-02{max-width:1250px;-webkit-flex:1;flex:1;margin-left:auto;margin-right:auto;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3_101519-02\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3_64c76d-1e, .wp-block-kadence-advancedheading.kt-adv-heading3_64c76d-1e[data-kb-block=\"kb-adv-heading3_64c76d-1e\"]{padding-bottom:0px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_64c76d-1e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_64c76d-1e[data-kb-block=\"kb-adv-heading3_64c76d-1e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_64c76d-1e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_64c76d-1e[data-kb-block=\"kb-adv-heading3_64c76d-1e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading3_64c76d-1e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_64c76d-1e\"><br>Terms of Service<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The insurance-schengen.eu Service is an online platform created to give Users of the Service access to offers of insurance services in the field of property and personal insurance, operating on the basis of these Terms and in accordance with generally applicable provisions of law. Polisarium sp. z o.o., through the Service owned by Net Technology sp. z o.o., makes the resources of the Service concerning the insurance market available to Users free of charge.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_0aae98-61, .wp-block-kadence-advancedheading.kt-adv-heading3_0aae98-61[data-kb-block=\"kb-adv-heading3_0aae98-61\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_0aae98-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_0aae98-61[data-kb-block=\"kb-adv-heading3_0aae98-61\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_0aae98-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_0aae98-61[data-kb-block=\"kb-adv-heading3_0aae98-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_0aae98-61 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_0aae98-61\">&nbsp;\u00a7 1. Definitions<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_2cedf5-06, .wp-block-kadence-advancedheading.kt-adv-heading3_2cedf5-06[data-kb-block=\"kb-adv-heading3_2cedf5-06\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_2cedf5-06 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_2cedf5-06[data-kb-block=\"kb-adv-heading3_2cedf5-06\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_2cedf5-06 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_2cedf5-06[data-kb-block=\"kb-adv-heading3_2cedf5-06\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3_2cedf5-06 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_2cedf5-06\"><strong>The expressions used in these Terms have the meanings set out below:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Polisarium sp. z o.o. or Service Provider<\/strong> &#8211; Polisarium sp. z o.o., with its registered office in Warsaw, ul. Olszewska 8, entered in the register of entrepreneurs of the Krajowy Rejestr S\u0105dowy (National Court Register) kept by the S\u0105d Rejonowy dla m. st. Warszawy (District Court for the Capital City of Warsaw), 13th Commercial Division of the National Court Register, under KRS number: 0000565494, NIP: 5213700480, REGON: 361938815, the amount of the company\u2019s share capital: PLN 5,000, paid up in full. Polisarium sp. z o.o. is an insurance agent entered in the register of insurance intermediaries kept by the supervisory authority &#8211; the Komisja Nadzoru Finansowego (Polish Financial Supervision Authority), with its registered office in Warsaw, at Plac Powsta\u0144c\u00f3w Warszawy 1, 00-950.<br><strong>Net Technology sp. z o.o.<\/strong> &#8211; the entity responsible for managing the Service and maintaining its efficient operation, i.e. Net Technology sp. z o.o., with its registered office in Warsaw, ul. Olszewska 8, entered in the register of entrepreneurs kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000402491, NIP: 5213623383, REGON: 145897963, the amount of the company\u2019s share capital: PLN 100,000, paid up in full.<br><strong>User<\/strong> &#8211; a natural person with full legal capacity, a legal person or an organisational unit without legal personality to which the law grants legal capacity, using the resources and services made available in the Service or through the Call Centre.<br>Service &#8211; the internet portal located at the following internet address: https:\/\/insurance-schengen.eu.<br>The Service is an online platform comprising a collection of various kinds of online services, enabling Users to use the resources of the Service made available to them concerning the insurance market, and also providing other services to Users by electronic means, including the conclusion of insurance contracts.<br><strong>Call Centre<\/strong> &#8211; a telephone service operated by the Administrator or the Service Provider or the Insurers.<br>Call Centre Consultant &#8211; an employee of the Administrator or the Service Provider or the Insurer who staffs the Call Centre.<br><strong>Transaction Pages<\/strong> &#8211; pages of the Service containing forms that enable insurance contracts to be concluded at a distance, current payments to be made by payment card and electronic transfers to be executed immediately.<br><strong>Agency Activities<\/strong> &#8211; activities performed by employees of Polisarium sp. z o.o. on behalf of an insurer, consisting in bringing about the conclusion of an insurance contract by the User with the insurer chosen by the User, in particular consisting in performing preparatory activities for the conclusion of an insurance contract and participating in the administration and performance of insurance contracts, within the scope and on the terms specified in the ustawa o po\u015brednictwie ubezpieczeniowym (Insurance Intermediation Act).<br><strong>Services<\/strong> &#8211; enabling the User to compare insurance offers by means of the Service, and the Agency Activities referred to in point 8 above, in respect of the conclusion of insurance contracts through the Service or the Call Centre and the payment of the insurance premium by payment card or bank transfer.<br><strong>Insurer<\/strong> &#8211; an entity conducting business consisting in the provision of insurance services in accordance with applicable law, on whose behalf, on the basis of a power of attorney received, the Service Provider performs Agency Activities; information about the Insurers on whose behalf the Service Provider performs Agency Activities is available in the Service and in the Register of Insurance Agents, available on the website of the Polish Financial Supervision Authority at https:\/\/au.knf.gov.pl\/Au_online\/faces\/Info.xhtml.<br><strong>Policyholder<\/strong> &#8211; a User concluding an insurance contract using the Transaction Pages of the Service.<br><strong>Insured Person<\/strong> &#8211; a natural person, a legal person or an organisational unit without legal personality, on whose behalf the insurance contract is concluded.<br><strong>Policy<\/strong> &#8211; a document confirming the conclusion of an insurance contract.<br><strong>Insurance Contract<\/strong> &#8211; an insurance contract concluded between the Policyholder and the Insurer chosen by the Policyholder, in the field of compulsory or voluntary motor insurance.<br><strong>Personal Data Protection Act<\/strong> &#8211; ustawa z dnia 29 sierpnia 1997 r. o ochronie danych osobowych (Act of 29 August 1997 on the Protection of Personal Data), consolidated text, Journal of Laws (Dz.U.) of 2002, No. 101, item 926, as amended.<br><strong>Electronic Services Act<\/strong> &#8211; ustawa z dnia 18 lipca 2002 r. o \u015bwiadczeniu us\u0142ug drog\u0105 elektroniczn\u0105 (Act of 18 July 2002 on the Provision of Services by Electronic Means), Journal of Laws No. 144, item 1204, as amended.<br><strong>Compulsory Insurance Act<\/strong> &#8211; ustawa z dnia 22 maja 2003 r. o ubezpieczeniach obowi\u0105zkowych, Ubezpieczeniowym Funduszu Gwarancyjnym i Polskim Biurze Ubezpieczycieli Komunikacyjnych (Act of 22 May 2003 on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers\u2019 Bureau), Journal of Laws No. 124, item 1152, as amended.<br><strong>Civil Code<\/strong> &#8211; ustawa z dnia 23 kwietnia 1964 r. Kodeks cywilny (Act of 23 April 1964 &#8211; Civil Code), Journal of Laws No. 16, item 93, as amended.<br><strong>GTCI<\/strong> &#8211; the general terms and conditions of insurance (known in Polish as OWU) on the basis of which the Insurance Contract is concluded in respect of voluntary insurance; the GTCI are made available free of charge through the Transaction Pages in a form that enables them to be downloaded, saved, reproduced and printed.<br><strong>Privacy Policy<\/strong> &#8211; a document forming an integral part of the Terms, setting out the rules for the collection, processing, storage and protection of the User\u2019s personal data, the function and purpose of the software introduced into the ICT system used by the User, and the risks associated with the use of the Services.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_301794-f4, .wp-block-kadence-advancedheading.kt-adv-heading3_301794-f4[data-kb-block=\"kb-adv-heading3_301794-f4\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_301794-f4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_301794-f4[data-kb-block=\"kb-adv-heading3_301794-f4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_301794-f4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_301794-f4[data-kb-block=\"kb-adv-heading3_301794-f4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_301794-f4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_301794-f4\">\u00a7 2. Preliminary Provisions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Terms have been drawn up and operate on the basis of the applicable provisions of Polish law.<br>The subject of regulation is the conditions of operation of the internet portal insurance-schengen.eu, located at the internet address https:\/\/insurance-schengen.eu.<br>The Terms set out the rights and obligations of the Users of the Service, as well as the rights, obligations and scope of liability of the Service Provider as the entity providing the Services through the Service.<br>The Terms specify the type, scope and conditions of the provision of the Services through the Service, which is used by the Service Provider on the basis of relevant agreements, and through the Call Centre.<br>Each User is obliged to read the content of the Terms before starting to use the Services available through the Service. The use of the Service by the User constitutes acceptance of all the provisions of the Terms and an undertaking by the User to comply with them, whereby the User concludes with the Service Provider a contract for the provision of services by electronic means.<br>In order to use the Services, each User consents to the processing of the User\u2019s personal data to the extent and on the terms set out in the Privacy Policy or to the extent and on the terms set out in Article 23 of the Personal Data Protection Act.<br>The Service Provider, in connection with its activity as an insurance agent, is obliged to apply the \u201cZasady Dobrych Praktyk Ubezpieczeniowych\u201d (Principles of Good Insurance Practice) adopted by the Polska Izba Ubezpiecze\u0144 (Polish Insurance Association), the content of which is available on the website of the Polish Insurance Association at: https:\/\/piu.org.pl\/zasady-dobrych-praktyk\/project\/132\/pagination\/1.<br>In matters not regulated in these Terms for the provision of services by electronic means, and in particular for the making of declarations of intent in electronic form, the provisions of the Civil Code (Journal of Laws of 1964, No. 16, item 93, as amended), the Act of 18 July 2002 on the Provision of Services by Electronic Means (Journal of Laws of 2002, No. 144, item 1204, as amended), the Act of 29 August 1997 on the Protection of Personal Data (Journal of Laws of 2002, No. 101, item 926, as amended), ustawa z dnia 22 maja 2003 roku o dzia\u0142alno\u015bci ubezpieczeniowej (Act of 22 May 2003 on insurance activity; Journal of Laws of 2010, No. 11, item 66), the Act of 22 May 2003 on insurance intermediation (Journal of Laws No. 124, item 1154, as amended &#8211; hereinafter the \u201cInsurance Intermediation Act\u201d), ustawa z dnia 30 maja 2014 r. o prawach konsument\u00f3w (Act of 30 May 2014 on consumer rights; Journal of Laws of 2014, item 827) and other relevant legal acts shall apply.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_9f436c-ba, .wp-block-kadence-advancedheading.kt-adv-heading3_9f436c-ba[data-kb-block=\"kb-adv-heading3_9f436c-ba\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_9f436c-ba mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_9f436c-ba[data-kb-block=\"kb-adv-heading3_9f436c-ba\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_9f436c-ba img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_9f436c-ba[data-kb-block=\"kb-adv-heading3_9f436c-ba\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_9f436c-ba wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_9f436c-ba\">\u00a7 3. Conclusion and Termination of the Contract for the Provision of Services by Electronic Means<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These Terms, including the Privacy Policy, form an integral part of the contract for the provision of services by electronic means concluded by Polisarium sp. z o.o. with the User. Starting to use the Services made available in the Service at insurance-schengen.eu must be preceded by full acceptance of the provisions of these Terms, including the Privacy Policy, which entails the conclusion of a contract for the provision of those Services by electronic means without the need to draw up a separate contract. The contract for the provision of services by electronic means is concluded for the period during which the User uses the resources of the Service.<br>Subject to paragraph 3 below, the contract for the provision of Services by electronic means terminates automatically, without the need to make any additional declarations, at the moment when the User leaves the pages of the Service within which the Services are made available or at the moment when the User ends the conversation with the Call Centre Consultant.<br>If the User has submitted an application for the conclusion of an Insurance Contract and has subsequently concluded an Insurance Contract through the Service &#8211; the contract for the provision of the Services terminates at the latest upon termination of the Insurance Contract, which takes place in the cases and on the terms specified in the GTCI of the chosen Insurer in the case of voluntary insurance, and in the Compulsory Insurance Act in the case of the compulsory insurance referred to in that Act, including motor third-party liability (OC) insurance of motor vehicle holders.<br>The User has the right to withdraw from the contract for the provision of services by electronic means within 14 days of the date of conclusion of the contract, without giving any reason.<br>The period for withdrawal from the contract expires after 14 days from the date of conclusion of the contract.<br>To exercise the right of withdrawal from the contract, the User must inform the Service Provider of the User\u2019s decision to withdraw from the contract by means of an unequivocal statement sent in writing to the address ul. Olszewska 8, 01-360 Warszawa or by electronic mail to the address pomoc@polisarium.pl.<br>The User may use the model withdrawal form constituting Annex 1 to the Terms, but this is not mandatory.<br>To meet the deadline for withdrawal from the contract, it is sufficient for the User to send the information concerning the exercise of the User\u2019s right of withdrawal from the contract before the expiry of the period for withdrawal from the contract.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_355294-aa, .wp-block-kadence-advancedheading.kt-adv-heading3_355294-aa[data-kb-block=\"kb-adv-heading3_355294-aa\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_355294-aa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_355294-aa[data-kb-block=\"kb-adv-heading3_355294-aa\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_355294-aa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_355294-aa[data-kb-block=\"kb-adv-heading3_355294-aa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_355294-aa wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_355294-aa\">\u00a7 4. Communication between the Service Provider and the User<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Communication between the Service Provider and the User concerning the Services provided takes place:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">by means of notices placed by the Service Provider on the website insurance-schengen.eu and addressed to Users;<br>by telephone &#8211; in relation to Users using the Services through the Call Centre;<br>by electronic mail, using the e-mail address indicated by the User and the following e-mail address of the Administrator:<br>admin@polisarium.pl<br>or the e-mail address of the Service Provider:<br>pomoc@polisarium.pl.<br>&nbsp;<br><strong>In addition, the User may also contact the Service Provider:<\/strong><br>&nbsp;<br>by sending a letter to the correspondence address of Net Technology sp. z o.o.: ul. Olszewska 8, 00-792 Warszawa,<br>by sending an e-mail to the address:<br>pomoc@polisarium.pl<br>or via the dedicated contact form,<br>by calling the telephone number: 22 299 11 11,<br>by expressing such a wish through selecting a request for contact by the Call Centre,<br>in person at the registered office of the Service Provider, at the address indicated in point (a).<br>&nbsp;<br><strong>If the User uses a form of contact indicated in paragraph 2, the Service Provider may respond, as appropriate to the circumstances:<\/strong><br>&nbsp;<br>by sending a reply to the correspondence received to the sender\u2019s address,<br>by telephone through the Call Centre,<br>in person through its representative,<br>by electronic mail to the e-mail address indicated by the User.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_03ae24-89, .wp-block-kadence-advancedheading.kt-adv-heading3_03ae24-89[data-kb-block=\"kb-adv-heading3_03ae24-89\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_03ae24-89 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_03ae24-89[data-kb-block=\"kb-adv-heading3_03ae24-89\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_03ae24-89 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_03ae24-89[data-kb-block=\"kb-adv-heading3_03ae24-89\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_03ae24-89 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_03ae24-89\">\u00a7 5. General Rules for the Provision of Services by Electronic Means<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Services are provided by electronic means using the Service at all times, i.e. 24 hours a day, 7 days a week, and in the case of the Call Centre on the days and during the working hours of the Insurers or the Service Provider.<br>For the use of the Service to compare insurance offers, and for the presentation of insurance offers by a Call Centre Consultant, the User bears no costs other than the charge for the call.<br>If an Insurance Contract is concluded through the Service or the Call Centre, the User bears the cost of the policy in accordance with the insurance offer accepted by the User.<br>Interruptions may occur in the proper operation of the Service and the Call Centre for technical reasons, in particular resulting from the need to repair or maintain the Service or the systems supporting the Call Centre, as well as in connection with the need to create backup copies or to process the data collected. Users will be notified of any interruption by the display of an appropriate message on the website of the Service.<br>The Service Provider does not guarantee the correct functioning of the Service where the User uses equipment and software that do not meet the technical requirements specified in the Terms. The provision of the service may also be interrupted in the event of inadequate quality of the connection, damage to or defects in telecommunications equipment, power supply systems or computer hardware, a failure of the telecommunications network or a power outage, interruption of the connection during a transaction, or any action of third parties during a transaction.<br>The Service Provider has the right to block access to the Service if irregularities in the use of the Service are found, in particular where circumstances arise that could expose the User, the Service Provider or the Insurer to damage. The Service Provider is not liable for the temporary suspension of access to the Service for the period necessary to eliminate the threats or irregularities that have arisen.<br>Actions that may hinder or destabilise the operation of the Service are prohibited. If the User is suspected of engaging in such actions, Polisarium sp. z o.o. has the right to take appropriate measures, including remedying the effects of such actions. Actions by the User consisting in an attempt to destabilise the Service constitute a prohibited act within the meaning of the applicable provisions of law. In such a situation the Administrator is entitled to take appropriate measures, including measures aimed at redressing the damage suffered by it.<br>The User is also prohibited from supplying to the Service or the Call Centre content of an unlawful or offensive nature, and from taking actions contrary to the Terms or capable of causing disruption or damage in the Service. The Service Provider is not liable for the use of the Service or the Call Centre services by the User in a manner contrary to the provisions of the Terms.<br>The User is obliged to refrain from any action that would violate the privacy of other Users, in particular actions consisting in collecting, processing and disseminating information about other Users without being able to demonstrate a lawful ground for the processing of data.<br>The User is obliged to refrain from any action that could hinder or disrupt the functioning of the Service, and from any action to the detriment of the Administrator, Users and other entities.<br>The User is obliged to observe the principles of community life and the ethical and moral norms accepted in society.<br>Before starting to use the Services available through the Service, the User consents to the processing of the User\u2019s personal data in accordance with the content of the Privacy Policy.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_2b0111-e7, .wp-block-kadence-advancedheading.kt-adv-heading3_2b0111-e7[data-kb-block=\"kb-adv-heading3_2b0111-e7\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_2b0111-e7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_2b0111-e7[data-kb-block=\"kb-adv-heading3_2b0111-e7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_2b0111-e7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_2b0111-e7[data-kb-block=\"kb-adv-heading3_2b0111-e7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_2b0111-e7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_2b0111-e7\">\u00a7 6. Intellectual Property Rights<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Service Provider declares that the Service contains documents protected by copyright, trademarks and other intangible assets that are the subject of protection under intellectual property rights. The selection and arrangement of the content presented in the Service constitutes an independent subject of copyright protection.<br>In using the Service, the User is obliged to comply with the provisions concerning proprietary copyrights, the rights arising from the registration of industrial designs, the protection rights to trademarks and utility models, and the rights under patents for inventions, of the Service Provider, the Administrator and other entities.<br>The copyright in the resources published in the Service belongs to the Administrator.<br>The User is obliged not to use any content presented in the Service beyond the scope of the User\u2019s own personal use. For the avoidance of doubt, the use of and dealing with such content beyond the limits of permitted personal use requires the prior consent of the Administrator.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_9c0ca7-39, .wp-block-kadence-advancedheading.kt-adv-heading3_9c0ca7-39[data-kb-block=\"kb-adv-heading3_9c0ca7-39\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_9c0ca7-39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_9c0ca7-39[data-kb-block=\"kb-adv-heading3_9c0ca7-39\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_9c0ca7-39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_9c0ca7-39[data-kb-block=\"kb-adv-heading3_9c0ca7-39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_9c0ca7-39 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_9c0ca7-39\">\u00a7 7. Conclusion of the Insurance Contract and Payment of the Insurance Premium<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Through the Service or the Call Centre it is possible to conclude an Insurance Contract between the User and an insurer represented by the Service Provider as an insurance agent.<br>Through the Transaction Pages the User indicates the Policyholder and the Insured Person(s) and selects the type of insurance, its scope and the sum or sums insured. In the case of Call Centre services, the User makes the declarations referred to in the preceding sentence to the Call Centre Consultant.<br>A condition for the conclusion of an Insurance Contract is the correct indication by the User of the personal data of the Policyholder and the Insured Person(s) and, where applicable, of the persons entitled to receive insurance benefits in the event of the death of the Insured Person(s) (hereinafter the \u201cBeneficiaries\u201d), as well as acceptance of the GTCI and, subsequently, of the amount of the insurance premium.<br>Before indicating the data of other persons in accordance with paragraph 2 above, the User should obtain their consent to the transfer of the data to the Administrator, the Service Provider and the Insurer, and bears full responsibility for the consequences of failure to fulfil this obligation. The Administrator and the Service Provider are not liable towards third parties for the placing of their data in the Service where such data were placed in the Service without their knowledge and consent.<br>The conclusion of an Insurance Contract is preceded by the calculation of the amount of the insurance premium using the Transaction Pages and by the presentation to the User of a summary of the offer, including in particular an indication of the subject of the contract to be concluded and its main features, the total cost of purchasing the policy and its duration.<br>The User may also use the option of providing, within the form, a telephone number, e-mail address or other form of contact, together with a request to be contacted by the Call Centre. If this option is used, the User consents to the transfer of the User\u2019s data, together with the data entered within the Service, to the Call Centre on the terms set out in more detail in the Privacy Policy.<br>The Insurance Contract is concluded by the User selecting the \u201cBuy policy\u201d option located on the Transaction Page of the Service, which includes a summary of the offer and the declarations of intent required for the conclusion of the insurance contract. In the case of Call Centre services, the User\u2019s declaration of accession to the Insurance Contract may be made by telephone to the Call Centre Consultant.<br>The due date for payment of the insurance premium is specified in the insurance contract or by the insurer in accordance with the rules set out in the Civil Code.<br>Within the period specified by law, after the conclusion of the Insurance Contract, the User receives the Policy confirming the conclusion of the Insurance Contract, at the e-mail address indicated by the User.<br>A Policyholder who is a consumer may withdraw from the Insurance Contract without giving reasons by submitting a written declaration to the relevant Insurer within 30 days of the date of conclusion of the contract or of the date on which the Service Provider provided the Policyholder with the information referred to in Article 39, paragraph 1 of the Act of 30 May 2014 on consumer rights (Journal of Laws of 2014, item 827), whichever is later. The deadline is deemed to have been met if the declaration was sent before its expiry.<br>The Policyholder does not bear any costs connected with the withdrawal, except for the costs referred to in paragraph 12.<br>Where the provision of services has begun with the consent of the Policyholder who is a consumer before the expiry of the periods referred to in paragraphs 10 and 11, the Service Provider or the Insurer may demand payment of the premium for the period of insurance cover provided.<br>Under these Terms, the provisions of the GTCI on the basis of which the Insurance Contract is concluded apply to the Insurance Contract.<br>In connection with the conclusion of an Insurance Contract, the User has the right to lodge complaints in accordance with the provisions of \u00a7 10 of these Terms.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_5bd7d3-ff, .wp-block-kadence-advancedheading.kt-adv-heading3_5bd7d3-ff[data-kb-block=\"kb-adv-heading3_5bd7d3-ff\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_5bd7d3-ff mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_5bd7d3-ff[data-kb-block=\"kb-adv-heading3_5bd7d3-ff\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_5bd7d3-ff img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_5bd7d3-ff[data-kb-block=\"kb-adv-heading3_5bd7d3-ff\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_5bd7d3-ff wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_5bd7d3-ff\">\u00a7 8. Technical Conditions for the Provision of Services<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In order to use properly the services provided by electronic means through the Service, the User should have computer hardware and software meeting the following minimum requirements:<br>&nbsp;<br>Edge browser version 41 or higher, Firefox version 37.0 or higher, Chrome version 42.0 or higher,<br>Cookies and JavaScript support enabled<br>minimum monitor resolution of 1024\u00d7768.<br>in the case of Call Centre services, an ICT system enabling telephone calls to be made with a tone dialling function is required.<br>&nbsp;<br>Data transmitted using electronic forms within the Service are protected by the use of a secure protocol, Secure Socket Layer (SSL), and are encrypted using a 256-bit key based on the TLS 1.2 encryption method.<br>Cookies are introduced into the ICT system used by the User, after the User\u2019s acceptance has been obtained.&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_e8ab14-d6, .wp-block-kadence-advancedheading.kt-adv-heading3_e8ab14-d6[data-kb-block=\"kb-adv-heading3_e8ab14-d6\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_e8ab14-d6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_e8ab14-d6[data-kb-block=\"kb-adv-heading3_e8ab14-d6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_e8ab14-d6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_e8ab14-d6[data-kb-block=\"kb-adv-heading3_e8ab14-d6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_e8ab14-d6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_e8ab14-d6\">\u00a7 9. Principles of Liability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Service Provider is not responsible for the User\u2019s entry, in the Service at insurance-schengen.eu, of data that are inconsistent with the facts, incomplete or incorrect, given the impossibility of verifying them. The consequences of the User completing the calculation form and the policy data with incorrect data are borne by the User.<br>The Service Provider is not liable for incorrect completion of the forms of the Service by the User, and in particular is not liable towards third parties whose data have been entered in a form of the Service without their knowledge and consent.<br>The User is prohibited from supplying content of an unlawful or offensive nature, untrue or misleading content, content containing viruses, or content that may cause disruption or damage to computer systems. If the Service Provider receives reliable information about the unlawful nature of stored data supplied by the User, the Service Provider may disable access to such data. Neither the Service Provider nor the Administrator shall be liable towards the User for damage arising as a result of disabling access to data of unlawful content. If reliable information about the unlawful nature of the data is obtained, the Service Provider will notify the User of its intention to disable access to the data.<br>If the Service Provider suffers damage as a result of the User supplying the content and data referred to above, the Service Provider shall be entitled to seek compensation on general terms.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_5d3053-75, .wp-block-kadence-advancedheading.kt-adv-heading3_5d3053-75[data-kb-block=\"kb-adv-heading3_5d3053-75\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_5d3053-75 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_5d3053-75[data-kb-block=\"kb-adv-heading3_5d3053-75\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_5d3053-75 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_5d3053-75[data-kb-block=\"kb-adv-heading3_5d3053-75\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_5d3053-75 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_5d3053-75\">\u00a7 10. Complaints Procedure<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A User of the Service has the right to lodge complaints in matters concerning the Services offered. All complaints concerning the use of the Service and the Call Centre should be submitted by electronic means to the address:<br>pomoc@polisarium.pl<br>or by telephone to the Call Centre number.<br>A complaint should contain at least: identification of the User (including first name, surname, e-mail address and correspondence address, and, in the case of legal persons and organisational units without legal personality, the name, correspondence address and the details of the person authorised to handle matters connected with the complaint lodged) and a concise statement of the grounds for the complaint.<br>The Service Provider will examine the complaint within 30 days of receiving it. If the complaint cannot be examined within that period, the Service Provider will notify the person lodging the complaint of the reasons for the delay and the anticipated date of examination of the complaint.<br>A response concerning the complaint is sent to the e-mail address or correspondence address indicated by the User, provided that the User so requested when lodging the complaint.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_7cd174-92, .wp-block-kadence-advancedheading.kt-adv-heading3_7cd174-92[data-kb-block=\"kb-adv-heading3_7cd174-92\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_7cd174-92 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_7cd174-92[data-kb-block=\"kb-adv-heading3_7cd174-92\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_7cd174-92 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_7cd174-92[data-kb-block=\"kb-adv-heading3_7cd174-92\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_7cd174-92 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_7cd174-92\">\u00a7 11. Final Provisions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The law applicable to the Terms and to contracts for the provision of services by electronic means concluded on the basis of the Terms is Polish law.<br>The court competent to hear disputes arising in connection with the application of the Terms or resulting from services provided by electronic means on the basis of the Terms is the court of general jurisdiction.<br>The Polish language is used in relations with the User.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_f256bb-68, .wp-block-kadence-advancedheading.kt-adv-heading3_f256bb-68[data-kb-block=\"kb-adv-heading3_f256bb-68\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_f256bb-68 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_f256bb-68[data-kb-block=\"kb-adv-heading3_f256bb-68\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_f256bb-68 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_f256bb-68[data-kb-block=\"kb-adv-heading3_f256bb-68\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_f256bb-68 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_f256bb-68\">\u00a7 12. Entry into Force and Amendments to the Terms<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Terms entered into force on 9 May 2018.<br>The Service Provider reserves the right to amend the Terms. Amendments to the Terms enter into force within 14 days of the Users being informed of their introduction, subject to paragraph 3.<br>An amendment to the Terms is binding on the User if the User does not terminate the contract for the provision of Services by electronic means within 14 days of the date of being notified of the amendments. An amendment to the Terms may not infringe any rights acquired by the User on the basis of the previous wording of the Terms.<br>The User will be informed of each amendment to the Terms by an e-mail message stating that the Terms in their current wording have been placed on the website of the Service.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_5afe46-f8, .wp-block-kadence-advancedheading.kt-adv-heading3_5afe46-f8[data-kb-block=\"kb-adv-heading3_5afe46-f8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_5afe46-f8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_5afe46-f8[data-kb-block=\"kb-adv-heading3_5afe46-f8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_5afe46-f8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_5afe46-f8[data-kb-block=\"kb-adv-heading3_5afe46-f8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading3_5afe46-f8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_5afe46-f8\">Privacy Policy&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This Privacy Policy forms an integral part of the Terms, available at:<br>https:\/\/insurance-schengen.eu\/terms-and-privacy-policy\/<br>The Privacy Policy sets out the rules for the collection, processing, storage and protection of the User\u2019s personal data, as well as the function and purpose of the software introduced into the ICT system used by the User.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_b13e5a-b4, .wp-block-kadence-advancedheading.kt-adv-heading3_b13e5a-b4[data-kb-block=\"kb-adv-heading3_b13e5a-b4\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_b13e5a-b4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_b13e5a-b4[data-kb-block=\"kb-adv-heading3_b13e5a-b4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_b13e5a-b4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_b13e5a-b4[data-kb-block=\"kb-adv-heading3_b13e5a-b4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_b13e5a-b4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_b13e5a-b4\">\u00a7 1. Definitions<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_4d29d7-ce, .wp-block-kadence-advancedheading.kt-adv-heading3_4d29d7-ce[data-kb-block=\"kb-adv-heading3_4d29d7-ce\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_4d29d7-ce mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_4d29d7-ce[data-kb-block=\"kb-adv-heading3_4d29d7-ce\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_4d29d7-ce img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_4d29d7-ce[data-kb-block=\"kb-adv-heading3_4d29d7-ce\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3_4d29d7-ce wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_4d29d7-ce\"><strong>The following expressions used in the Privacy Policy mean:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Owner of the insurance-schengen.eu website &#8211; Net Technology sp. z o.o., with its registered office in Warsaw, ul. Olszewska 8, entered in the register of entrepreneurs kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000402491, NIP: 5213623383, REGON: 145897963, the amount of the company\u2019s share capital: PLN 100,000, paid up in full.<br>Personal Data Controller &#8211; in accordance with Article 7, point 4 of the Personal Data Protection Act, an authority, organisational unit, entity or person referred to in Article 3 of the Personal Data Protection Act that determines the purposes and means of the processing of personal data. The Personal Data Controller of the Users of the Service is Polisarium sp. z o.o., with its registered office in Warsaw, ul. Olszewska 8, entered in the register of entrepreneurs kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000565494, NIP: 5213700480, REGON: 361938815, the amount of the company\u2019s share capital: PLN 5,000, paid up in full, and the Insurers.<br>Service Providers &#8211; the Owner of the insurance-schengen.eu website and the company Polisarium sp. z o.o., with its registered office in Warsaw, Olszewska 8, entered in the register of entrepreneurs of the National Court Register kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000565494, NIP: 5213700480, REGON: 361938815, the amount of the company\u2019s share capital: PLN 5,000, paid up in full. Polisarium sp. z o.o. is an insurance agent entered in the register of insurance intermediaries kept by the supervisory authority &#8211; the Polish Financial Supervision Authority, with its registered office in Warsaw, at Olszewska 8, 00-792 Warszawa.<br>User &#8211; the entity referred to in \u00a7 1, paragraph 3 of the \u201cTerms of Service of the insurance-schengen.eu website\u201d.<br>Service &#8211; the internet portal located at the following internet address: insurance-schengen.eu, being an online platform comprising a collection of various kinds of online services, referred to in the \u201cTerms of Service of the polisarium.pl website\u201d.<br>Partners &#8211; entities cooperating with the Service Providers, including advertisers and Insurers.<br>Personal Data Protection Act &#8211; the Act of 29 August 1997 on the Protection of Personal Data (consolidated text, Journal of Laws of 2002, No. 101, item 926, as amended).<br>Electronic Services Act &#8211; the Act of 18 July 2002 on the Provision of Services by Electronic Means (Journal of Laws No. 144, item 1204, as amended).<br>Compulsory Insurance Act &#8211; the Act of 22 May 2003 on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers\u2019 Bureau (Journal of Laws No. 124, item 1152, as amended).<br>Civil Code &#8211; the Act of 23 April 1964 &#8211; Civil Code (Journal of Laws No. 16, item 93, as amended).<br>Cookies &#8211; text files saved by the web browser on the hard drive of the User\u2019s computer, which contain information enabling the identification of the connection and the correct operation of the Service. Some Cookies may be stored for a predefined period of time (the User has the ability to delete them manually), and some are deleted immediately after the User finishes using the Service.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_6a0f90-54, .wp-block-kadence-advancedheading.kt-adv-heading3_6a0f90-54[data-kb-block=\"kb-adv-heading3_6a0f90-54\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_6a0f90-54 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_6a0f90-54[data-kb-block=\"kb-adv-heading3_6a0f90-54\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_6a0f90-54 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_6a0f90-54[data-kb-block=\"kb-adv-heading3_6a0f90-54\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_6a0f90-54 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_6a0f90-54\">\u00a7 2. Personal Data<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The personal data of Users are processed by the Personal Data Controller in accordance with the provisions of the Personal Data Protection Act and Chapter 4 of the Electronic Services Act, after the User has given consent or after the User has been informed of the processing of the User\u2019s personal data on a basis other than consent.<br>The User\u2019s consent to the processing of personal data is given in order to enable Users of the Service to access offers of insurance services in the field of property and personal insurance, in particular motor insurance, to conclude an insurance contract, and also for marketing purposes, including advertising, market research and research into the behaviour and preferences of Users, the results of which are to be used to improve the quality of services provided by the Service Providers and Partners.<br>The Personal Data Controller processes on its own behalf only such personal data of the User as have been provided by the User and which are adequate in relation to the purposes for which they will be processed.<br>The Personal Data Controller may, on the basis of a contract, in accordance with Article 31, paragraph 1 of the Personal Data Protection Act, entrust the processing of Users\u2019 personal data to third parties, in particular to the Service Provider.<br>The Personal Data Controller is entitled to disclose personal data to entities authorised on the basis of the relevant provisions of law.<br>Within the scope of the entitlement referred to in the preceding paragraphs, the Personal Data Controller may disclose the User\u2019s data to the Service Provider for the purpose of concluding an insurance contract.<br>The Service Provider, in connection with performing the activities of an insurance agent, transfers to the relevant Insurers the personal data of Users obtained for the purpose of performing those activities.<br>The Personal Data Controller may, with the consent of the User, transfer the User\u2019s personal data to Partners for marketing purposes.<br>The provision of personal data by the User is voluntary; however, failure to provide it will make it impossible for the User to use certain functions of the Service.<br>The User also has the right of access to the content of the User\u2019s data and the right to rectify it.<br>The User has the right of access to the User\u2019s data, the right to have it supplemented, updated and rectified, the right to have its processing temporarily or permanently suspended, and the right to have it deleted.<br>To exercise the rights arising from the provision of paragraph 6, a message must be sent to the address given in the provision of \u00a7 4 of the Terms.<br>By ticking the appropriate box, the User may consent to receiving commercial information by electronic means, in accordance with the Electronic Services Act.<br>Where the User concludes an insurance contract under the procedure set out in \u00a7 7 of the Terms, the Service Provider will require the User to provide personal data, acting in the name and on behalf of the Insurer as the controller of those data. The Service Provider is not liable for the processing of Users\u2019 personal data by Insurers, and if Insurers entrust the processing of those data to it under Article 31 of the Personal Data Protection Act, it is liable solely for its own failings.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3_90dc1c-78, .wp-block-kadence-advancedheading.kt-adv-heading3_90dc1c-78[data-kb-block=\"kb-adv-heading3_90dc1c-78\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3_90dc1c-78 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3_90dc1c-78[data-kb-block=\"kb-adv-heading3_90dc1c-78\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3_90dc1c-78 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3_90dc1c-78[data-kb-block=\"kb-adv-heading3_90dc1c-78\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3_90dc1c-78 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3_90dc1c-78\">\u00a7 3. Commercial Information<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With the consent of the User, commercial information within the meaning of Article 9 of the Electronic Services Act will be sent to the e-mail address or telephone number indicated by the User.<br>The above commercial information may come from the Service Providers or from Partners, and may concern both the services provided by the Service Providers and the services and goods offered by Partners.<br>&nbsp;<br><strong>Cookie Policy (use of cookie files)<\/strong><br>&nbsp;<br>Last modified: 22 May 2018<br>&nbsp;<br>In order to ensure the highest possible quality of services and to adapt our website to your needs, we use cookies.<br>&nbsp;<br>Cookie files (also called \u201ccookies\u201d) are small pieces of information in the form of a short string of characters, which we store in the memory of your device. Access to these files allows us to identify your device later and to adapt the settings of our website to it. The stored information does not make any configuration changes to your device or software. You can delete it at any time using the appropriate function of your web browser.<br>&nbsp;<br>There are different types of cookies. Our website uses \u201csession\u201d and \u201cpersistent\u201d cookies. \u201cSession\u201d cookies are deleted from your computer immediately after you close your web browser. \u201cPersistent\u201d cookies, on the other hand, will be stored on your computer even after you close the browser &#8211; the maximum period of such storage is specified separately for each cookie.<br>&nbsp;<br><strong>The cookies we use serve the following purposes:<\/strong><br>&nbsp;<br>they enable the appearance and content of the website to be personalised for each user,<br>they allow data to be exchanged between the platforms operating within our website,<br>they are used in the user authentication process and prevent abuse in this regard,<br>they remember the user\u2019s actions &#8211; as a result, after leaving the website the user does not have to, for example, fill in forms again,<br>they enable the personalisation of advertisements and marketing communications within our website and in our communications to users,<br>they enable our advertisements to be targeted outside our website, e.g. at people who have already visited our website and\/or may potentially be interested in our services,<br>they enable the measurement of effectiveness and the settlement of the results of marketing activities,<br>they collect statistical information about traffic on our website.<br>&nbsp;<br>On the basis of the above rules and for the stated purposes, other mechanisms used by our websites also operate, such as localStorage, which operates on principles analogous to persistent cookies, but is able to hold more information.<br>&nbsp;<br>Our websites also contain scripts of our external Partners, which may also store data on your device. The mechanisms and storage rules used may differ from those provided for in our Privacy Policy and Cookie Policy. You can find more information on this on the websites of the individual Partners. They include, among others:<br>&nbsp;<br>Google (e.g. advertising and analytics; Google ad settings)<br>Facebook (e.g. advertising and analytics)<br>LiveChat<br>Optimizely<br>Expert Sender<br>PushPushGo<br>Onet<br>Tradedoubler<br>Ceneo<br>InspectLet<br>NetSales<br>Tradetracker<br>Ve-interactive<br>&nbsp;<br>You can decide whether, and which, cookies you want to store on your device. You will find details on this on the website of your web browser provider. Below we provide links to the user instructions of the most popular browsers:<br>&nbsp;<br>Chrome<br>Firefox<br>Edge<br>Internet Explorer<br>Opera<br>&nbsp;<br>At the same time, we inform you that disabling or restricting the use of cookies may make it difficult, or even impossible, to use our website and the services provided on it.<br>&nbsp;<br>We reserve the right to make changes to this Policy at any time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Terms of Service and Privacy Policy How the Insurance Schengen website works and how personal data are processed Terms of Service The insurance-schengen.eu Service is an online platform created to give Users of the Service access to offers of insurance services in the field of property and personal insurance, operating on the basis of these&#8230;<\/p>","protected":false},"author":1,"featured_media":2504,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"disable","_kad_post_title":"hide","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-3","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Terms of Service and Privacy Policy<\/title>\n<meta name=\"description\" content=\"\ud83d\udcc4 Terms of Service of the Insurance Schengen website and the Privacy Policy: electronic services, concluding contracts and personal data.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurance-schengen.eu\/vi\/dieu-khoan-va-chinh-sach-bao-mat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms of Service and Privacy Policy\" \/>\n<meta property=\"og:description\" content=\"\ud83d\udcc4 Terms of Service of the Insurance Schengen website and the Privacy Policy: electronic services, concluding contracts and personal data.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurance-schengen.eu\/vi\/dieu-khoan-va-chinh-sach-bao-mat\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Schengen\" \/>\n<meta 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