Terms and Conditions

01 General information

The website zastrahovki.com is operated by “Soners Group”, UIC 147246077 — a licensed insurance broker entered in the register of the Financial Supervision Commission (licence No. 812-ЗБ, certificate No. 678-ЗБ), based in Burgas, Bulgaria. Our activity is carried out in accordance with the Insurance Code and is subject to supervision by the Financial Supervision Commission (FSC).

02 Acceptance of the terms

Accessing and using the website means that you have read, understood and accepted these Terms and Conditions, as well as our Privacy Policy. We reserve the right to update the terms at any time, and the current version will be published on this page.

03 Nature of the information provided

The information on this website is of a general and informational nature and does not constitute an insurance offer, advice or a binding proposal. Any quote is indicative and subject to confirmation by the relevant insurer based on complete and accurate risk information. The specific terms, coverage, exclusions and prices are set out in the insurance policy and the insurer’s general conditions.

04 Insurance brokerage services

As an insurance broker, we act on behalf of and in the interest of the client, comparing offers from different insurers and assisting with the conclusion and servicing of insurance contracts. The broker’s remuneration is paid by the insurer in the form of a commission and does not increase the insurance premium for the client.

05 Use of the website

You undertake to use the website only for lawful purposes and in a manner that does not infringe the rights of third parties. It is not permitted to:

• provide false or misleading information;
• attempt to gain unauthorised access to the website, servers or related systems;
• distribute malicious software or disrupt the normal operation of the website;
• copy, reproduce or use the site’s content for commercial purposes without our written consent.

06 Intellectual property

All content on the website — text, graphics, logo, images and design — is owned by “Soners Group” or used with permission and is protected by applicable intellectual property law. Its use without permission is prohibited.

07 Third-party links

The website may contain links to third-party sites (for example insurers or partners). We are not responsible for the content, policies or practices of those sites and recommend that you review their terms.

08 Limitation of liability

We make reasonable efforts to keep the information on the website accurate and up to date, but we do not guarantee its completeness or accuracy. To the maximum extent permitted by law, we are not liable for any direct or indirect damages arising from the use of, or inability to use, the website, except in cases of intent or gross negligence.

09 Service availability

We strive to keep the website available at all times, but we do not guarantee that it will operate without interruptions or errors. We reserve the right to modify, suspend or discontinue parts of the website at any time without notice.

10 Complaints and dispute resolution

For any complaint about our services you can contact us at info@soners.bg or by phone on 0876 533 522. If you are not satisfied with the response, you have the right to refer the matter to the Financial Supervision Commission or to use the out-of-court consumer dispute resolution mechanisms available under applicable law.

11 Governing law

These Terms and Conditions are governed by Bulgarian law. Any disputes relating to the use of the website shall be settled by the competent Bulgarian courts, unless mandatory legal provisions provide otherwise.

12 Contact

For questions about these Terms and Conditions you can contact us at info@soners.bg, by phone on 0876 533 522, or at our office in Burgas, Lazur district.