Website Usage Rules

1.1. The Website Usage Rules (hereinafter referred to as the Rules) establish the relationship, rights, and obligations of any individual or legal entity (hereinafter referred to as the Client) that has familiarized themselves with the Rules and uses this website (hereinafter referred to as the Website) and the entrepreneur managing the website.
 

1.2. The Rules are mandatory for all Clients intending to use the website www.ergo.lt  (hereinafter referred to as the Website). Confirmation of familiarity with the Rules signifies the Client’s unconditional commitment to comply with them.
 

1.3. The Rules have been prepared in accordance with the applicable laws of the Republic of Lithuania.
 

1.4. The Website is intended for calculating the insurance premium for the Client's selected insurance service, obtaining an offer for insurance services, paying the calculated insurance premium, concluding the selected insurance contract, and receiving other related services.
 

1.5. The provider of insurance services (the seller) is the entrepreneur – European company ERGO Insurance SE, registered at Veskiposti tn 2/1, 10138 Tallinn, Estonia, company code 10017013, encompassing the head office in Estonia and branches in Lithuania and Latvia, operating in Lithuania through its Lithuanian branch, located at Geležinio Vilko g. 6A, LT-03150 Vilnius, Lithuania, code 302912288, and ERGO Life Insurance SE, registered at Geležinio Vilko g. 6A, LT-03507 Vilnius, Lithuania, company code 110707135, encompassing the head office in Lithuania and branches in Latvia and Estonia, hereinafter referred to as ERGO.
 

1.6. Clients must use the Website only for legal purposes and in a manner that does not violate the rights and/or legitimate interests of ERGO or third parties and does not limit their ability to use the Website.
 

1.7. The Client agrees that the provision of information (including personal data) and/or other processing of such information on the Website shall be considered appropriate consent for ERGO to process such information as necessary for the provision of the Client's chosen insurance services.
 

1.8. ERGO is responsible for the functionality of the Website and the proper protection of Clients' personal data (more information is provided in ERGO's privacy policy).
 

1.9. If any provision of the Rules becomes invalid, it shall not affect the validity of the other provisions of the Rules.

2.1. To find out the calculated insurance premium for the selected insurance contract and to conclude such a contract, the Client must provide the necessary information on the Website (e.g., travel destination and period), including personal data (e.g., names and surnames of travelers).
 

2.2. Before concluding the selected insurance contract, the Client must familiarize themselves with the relevant ERGO insurance service (product) rules, the information document for the insurance product, the privacy policy, and confirm this on the Website.
 

2.3. The selected insurance contract is considered concluded at the moment the Client pays the calculated insurance premium for the selected insurance contract as indicated on the ERGO Website. The selected insurance contract takes effect from the date specified in the insurance contract.
 

2.4. Payment for the selected insurance contract concluded through the Website is made by choosing one of the electronic banking services provided by the banks listed on the Website. ERGO is not responsible for the quality of the electronic banking services provided by these banks.
 

2.5. Upon concluding the selected insurance contract, ERGO sends the insurance documents (insurance contract, insurance certificate, etc.) to the Client's email address specified on the Website. If necessary, insurance documents can be obtained by submitting a request to ERGO at tel. 1887, email info@ergo.lt, or at any ERGO customer service department.
 

2.6. Clients using the Website must act honestly and legally. Illegal submission of information (including personal data) or other processing of such information, use of another's electronic banking data is prohibited, and such actions are subject to liability as provided by the laws of the Republic of Lithuania.
 

2.7. It is prohibited to use the Website through applications that send automatic requests to the Website.

3.1. Clients who are consumers, i.e., individuals concluding insurance contracts for purposes unrelated to their business, trade, craft, or profession using the Website, have the right to withdraw from such insurance contracts within 14 days from the date of conclusion (in the case of life insurance – within 30 days from informing the Client about the conclusion of the insurance contract), except for:
 

• travel, baggage, and similar insurance contracts with a term shorter than 30 days;
• insurance contracts for which a notice of an insured event has been received.
   

3.2. To withdraw from the insurance contract, Clients must provide ERGO with a completed sample contract withdrawal form (available at www.ergo.lt, or, at the Client's request, sent by email or obtained at any ERGO customer service department) or a clear statement regarding their decision to withdraw from the insurance contract. The completed withdrawal form or statement must be sent to email info@ergo.lt or to Geležinio Vilko g. 6A, Vilnius.
 

3.3. The withdrawal from the insurance contract is carried out in accordance with the applicable laws of the Republic of Lithuania.

4.1. All intellectual property rights related to the Website belong to ERGO.
 

4.2. Any reproduction, distribution, storage, or any other use of the Website content or any part thereof without ERGO's permission is prohibited and is subject to liability as provided by law.

5.1. If the Client fails to fulfill or improperly fulfills their obligations set forth in the Rules, they must compensate for all losses incurred by ERGO and/or third parties.
 

5.2. All disputes arising from the use of the Website are settled through mutual negotiations between the Client and ERGO. If disputes cannot be resolved in this way, they shall be resolved in accordance with the laws of the Republic of Lithuania.
 

5.3. For non-judicial dispute resolution, Clients have the right to contact the supervisory authority for financial market participants – the Bank of Lithuania at Totorių g. 4, LT-01121 Vilnius. Information on the procedures for resolving consumer and financial market participant disputes can be found here: http://www.lb.lt/gincu_nagrinejimas.
 

5.4. The entities for the non-judicial resolution of consumer disputes are the State Consumer Rights Protection Service (www.vvtat.lt) and the Online Dispute Resolution platform (http://ec.europa.eu/odr/).
 

5.5. These Rules are valid indefinitely. ERGO has the right to unilaterally amend the provisions of the Rules at any time, in compliance with the requirements set forth by law.