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Terms of Use

The website www.interamerican.com.cy (the Website), provides information and services to its users regarding the products provided by Us.

Please read carefully the following information and terms of use (Terms of Use) before you start using the Website.

     1. Who we are

This Website is operated by the insurance undertaking INTERAMERICAN HELLENIC INSURANCE COMPANY SA (“We” or “Us” or “INTERAMERICAN”). We are a company (Société Anonyme) established in Greece with Registration Number 12865/05/B/86/45 in the Register of Societes Anonymes (AARME), operating as an insurance undertaking. We are also registered at the Registrar of Companies of the Republic of Cyprus as a foreign company with registration no. AE 3036 and operate a branch of insurance operations in Cyprus, located at Griva Digeni 42-44, 1080, Nicosia.

We are supervised by the BANK OF GREECE and the MINISTRY OF DEVELOPMENT, COMPETITIVENESS, INFRASTRUCTURE, TRANSPORT AND NETWORKS in respect of our work in Greece and by the Superintendent of Insurance in respect of our work in the Republic of Cyprus.

Our contact details are set out below (see “How to contact Us”).

     2. Using the Website

By using our Website, you confirm that you accept these Terms of Use and that you agree to comply with them. If you do not agree to these Terms of Use, you must not use our Website.

You agree that you are solely responsible for all costs and expenses you may incur in relation to your use of the Website and keeping your password and other account details confidential.

We may prevent or suspend your access to the Website if you do not comply with any part of these Terms of Use, any terms or policies to which they refer or any applicable law.

     3. Your privacy and personal information

Your privacy and personal information are important to Us. Any personal information that you provide to Us will be dealt with in line with our privacy policy, which explains what personal information We collect from you, how and why We collect, store, use and share such information, your rights in relation to your personal information and how to contact Us and supervisory authorities in the event you have a query or complaint about the use of your personal information.

Our privacy policy is available at [privacy policy].

     4. Ownership, use and intellectual property

The Website is used as is and cannot be modified or interfered with by users. Without prejudice to specific third party rights, all content contained in this Website (indicative marks, distinctive features, designs, texts, photos, etc.) constitute the  intellectual and industrial property of INTERAMERICAN and INTERAMERICAN’s Group of Companies. The whole or any part of this content cannot form the subject matter of any trading, copying, reproduction, re-transmission in any manner without the written permission of the rightful owners.

The visitor or the user of the Website must:

  • accept the provisions of the specific legislation, including legislation concerning telecommunications, intellectual property protection and unfair competition.
  • abstain from any unlawful and abusive activity.
  • redress for any damage caused to Us or to any third parties due to their unlawful and improper use of the Website.

If these Terms of Use are breached by any visitor or user, We may and will take all necessary measures to protect our rights and to claim damages if we consider that our interests have been damaged.

     5. Accuracy of Information and availability of the Website

We make every effort to ensure the safety of use as well as the accuracy and validity of the information contained in the Website. Nevertheless, We shall not be bound under any circumstances, nor guarantee nor undertake any liability concerning the security and the content of the Website, unless expressly stated. For this reason, users accept that they must evaluate the content and that they are liable for any risks that may be caused by its use.

We shall not by liable for any error or inaccuracy during the transmission of the information or instructions of the user. Furthermore, We shall not be liable for any interference, incorrect data or non-functioning of the system due to force majeure or for any other reason.

We will make every effort to ensure the availability of the Website and the services offered through it. Nevertheless, the availability of the Website may be affected by the user’s equipment and other communications networks or by other causes. In any event, We may, at any time, with or without notice, temporarily suspend the operation of all or part of the Website and amend its nature and/or content, for maintenance or upgrade reasons or for any other reason.

     6. Hyperlinks and third party sites

Links to other websites that may be available in the Website are provided exclusively for the convenience of the users. We do not analyze nor control the information contained in the particular links and websites and are not liable for their content. Users are exclusively liable for their use, access and connection to these websites and We are not responsible for the information contained therein. Furthermore, We shall not be liable for the terms of use and the security policy of these websites or for the manner in which they manage their online visitors. For this reason, users must accept the terms of use of these websites and contact their service providers for any matter that may arise during their visit or use.

     7. Limitation on our liability

Except for any legal responsibility that We cannot exclude in law or arising under applicable laws relating to the protection of your personal information, We are not legally responsible for:

  1. any losses that were not foreseeable to you and Us when these Terms of Use were formed; or that were not caused by any breach on our part,
  2. business losses; and
  3. losses to non-consumers.

Furthermore, while using the Website, We shall not be liable for:

  • the inability of users to gain access
  • the total or partial interruption of its functionality
  • the delay or poor quality of reception of services
  • the loss of any kind of service content
  • the existence of any kind of error

The information provided to the visitors of the Website does not constitute direct or indirect advice or incitement to take any financial action or any other action that entails financial consequences. It depends on the user’s discretion to evaluate the information and to act freely, based on their own private will, with the exclusion of any liability for Us.

     8. Changes to these Terms of Use

The content of this particular page, "Terms of Use ", may be amended at any time for the purpose of upgrading the content of the services provided via the Website.

Our updated Terms will be displayed on the Website and by continuing to use and access the Website following such changes, you agree to be bound by any variation made by Us. Visitors are required to check the content of this specific page in order to be informed of our applicable policy at any time.

     9. How to contact Us

If you wish to contact Us concerning any matter relating to the use of the Website or if you wish to file a complaint or remark concerning an Insurance Policy or regarding the service provided to you, you can do so using the following contact details:

  • by e-mail at complaint@interamerican.com.cy
  • by fax at 22 200 800
  • by post to the Head of INTERAMERICAN’s Claims Handling Department, Ms Myrto Perati (Cyprus branch), 42-44, Grivas Digenis Avenue, 1080 Nicosia

A complaint is considered to be the expression of dissatisfaction by a natural or legal person which is addressed to an insurance company in relation to the Insurance Policy or to the insurance services provided thereto in any manner, e.g. policyholder, insured, beneficiary, injured third party in non-life insurance. Complaints are not considered by law to include announcements for insurance claims, claims for compensation as well as claims related to your policy and requests for the provision of information or clarifications in relation thereto.

In order to file a complaint, the following information must be provided:

  • name and surname
  • Father's Name
  • Date of birth
  • Telephone number
  • Insurance Policy number (or motor vehicle registration number, if there is no Insurance Policy Registration number)
  • Relationship with the Insurance Policy (Insured Person, beneficiary, injured third party, prospective client)

The Company undertakes to confirm receipt of the complaint within two (2) working days of its receipt and to inform the person who filed the complaint with the respect to the procedure for its examination. The Complaints Handling Department will record the complaint and create an electronic file for archiving purposes. The Company will make every effort to respond to the complaint within fifteen (15) days of its submission. If this is not possible, the Company will inform the person who filed the complaint of the reasons for the delay and in any event it will send a final reply within forty five (45) days of the submission of the complaint.

In parallel to the filing of your complaint to the Company or in the event that you are not satisfied with our reply, you may apply to the Financial Ombudsman for the out-of-court resolution of your problem as well as to the Consumer Protection Office of the Republic of Cyprus. Any claim against the Company is subject to the statute of limitations after the lapse of the period prescribed by the law as the case may be. Where a complaint has been filed with the Company, this does not interrupt the limitation mentioned above.

If a final decision is issued which does not fully satisfy your request, you have the right to resort to any out-of-court dispute settlement mechanisms that exist under the specific laws of the Republic of Cyprus, as these may be amended or replaced from time to time or you may apply to any Court of the Republic of Cyprus.

     10. Applicable law and jurisdiction

Any matters that arise out of your use of this Website (including any contract entered between you and Us through the Website) will be governed by the laws of the Republic of Cyprus and subject to the exclusive jurisdiction of the courts of the Republic of Cyprus.

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