Terms of Use

1. Purpose of the website

The VESTA website is informational and communicative in nature. It presents information about VESTA, the categories of insurance solutions it may consider, the sectors it serves, as well as informative and editorial content on insurance and risk management matters.

Through the website, visitors may also contact VESTA and express interest in specific insurance needs or solutions.

2. Informational nature of the content

The information published on the website is provided for general information purposes and should not be regarded as personalised insurance, legal, tax or other professional advice.

The insurance needs of every individual or business differ, and the suitability of an insurance solution depends on the particular circumstances, needs and risks of each case.

For this reason, information presented in general terms on the website does not replace the individual examination of a specific insurance need.

3. Information about insurance solutions

References to insurance covers, risks, benefits or categories of insurance products are of a general informational nature.

The precise scope of any insurance cover, together with its exclusions, limits, conditions, deductibles and other terms, is determined by the terms and the relevant documents of each insurance contract.

In the event of any discrepancy between general information presented on the website and the terms of a specific insurance contract, the terms and documents of that contract prevail.

4. Quote and contact requests

Completing or submitting a form through the website constitutes an expression of interest or a request for contact and does not in itself constitute the conclusion of an insurance contract, the commencement of insurance cover, or confirmation that a specific risk has been accepted.

Any insurance cover takes effect only in accordance with the applicable procedure and the terms that apply in each particular case.

5. Accuracy and updating of information

VESTA makes reasonable efforts to ensure that the information presented on the website is clear, useful and up to date.

However, the insurance and regulatory environment, the available solutions and other related information may change. For this reason, information on the website may be updated, amended or replaced.

Before any decision concerning a specific insurance cover, the relevant information must be confirmed on the basis of the applicable data and the corresponding insurance documents.

6. Articles, analyses and case studies

Articles, analyses, examples, risk scenarios and case studies published on the website are informational and educational in nature.

Where reference is made to actual cases, court decisions, insurance claims or other incidents, the information is presented in order to inform and to help understand specific risks, and does not mean that the same outcome will arise in another case.

Every insurance claim, dispute or incident is assessed on the basis of its own facts, the applicable terms and its particular circumstances.

7. Intellectual property

The content of the website, including texts, articles, analyses, graphics, logos, design elements and other original VESTA material, is protected by the applicable intellectual property legislation.

Copying, reproducing, republishing, modifying or commercially exploiting original VESTA content is not permitted without prior relevant permission, except to the extent allowed by applicable law.

Sharing links to published content of the website through social networks or other media is permitted.

8. Links to third-party websites

The website may include links to external websites or third-party sources for informational or other related purposes.

VESTA does not control the content, availability or practices of independent third-party websites, and the presence of a link does not necessarily imply approval or endorsement of their content.

9. Proper use of the website

Visitors must use the website lawfully and must not attempt any action that could affect its security, operation or availability.

Among other things, attempting unauthorised access to systems or data, introducing malicious software, or using the website for unlawful or abusive activities is not permitted.

10. Availability of the website

VESTA seeks to ensure the continuous and smooth operation of the website. There may, however, be temporary interruptions or limitations due to maintenance, technical issues, upgrades or circumstances beyond its reasonable control.

11. Personal data and cookies

The processing of personal data carried out through the website is described in the VESTA Privacy Policy.

Information about the use of cookies and similar technologies is provided in the Cookie Policy.

12. Amendment of the Terms of Use

VESTA may update these Terms of Use when the features or content of the website, the services presented through it, or the relevant legal and regulatory requirements change.

The version of the Terms of Use in force at any given time will be available on this page.