These Terms and Conditions for using the online platform www.profasig.md apply to orders for purchasing services offered by “PROFASIG-PLUS” S.R.L through the website.
Before using the website, we recommend that you carefully read these Terms and Conditions. We reserve the right to amend these provisions without prior notice.
1. GENERAL PROVISIONS
This website is owned by “PROFASIG-PLUS” S.R.L. By placing an order on the online platform, the Buyer accepts the terms for selling products and/or providing services, based on the legislation of the Republic of Moldova (hereinafter – the Terms and Conditions) presented below.
The use of www.profasig.md implies acceptance of the Terms and Conditions proposed by “PROFASIG-PLUS” S.R.L, in accordance with Law No. 284/2004 on e-commerce. The relationship between the buyer and the seller is established based on Law No. 105/2003 on consumer protection and other normative acts adopted pursuant to it.
The Seller reserves the right to modify these Terms and Conditions, and the Buyer is obliged to monitor any changes.
2. PERSONAL DATA PROTECTION
By using www.profasig.md, you automatically agree to the collection and processing of personal data necessary to process/confirm/fulfil orders.
Personal data is processed only for lawful purposes, such as providing the products you order, promotional campaigns, Google Analytics, cookies, and notifications/newsletters.
All information containing personal data is stored and used only for the period necessary to achieve the purposes for which it was collected and in accordance with Law No. 133/2011 on personal data protection.
We use commercially reasonable security measures to prevent unauthorized access, maintain data accuracy, and ensure proper use of information on the website. Data transmission over the Internet or wireless networks cannot be fully secured.
Therefore, like other companies, we cannot guarantee the security of information provided by the Buyer, and the Buyer provides it at their own risk.
3. ORDER PLACEMENT AND PAYMENT
Payment is made online by bank card. Payment confirmation is sent to the e-mail address provided during checkout. A fiscal document (receipt), if applicable, is provided electronically and/or may be issued upon pickup at the company address or at the client’s request.
RCA and Green Card insurance products issued electronically
Online payments are carried out under maximum security conditions using the payment card as the payment instrument, enabling online transactions. After payment you will receive a payment confirmation to your e-mail address.
The payment processor uses a secure system based on the latest 3D-Secure security standard, which represents a new global approach to buyer authentication in secure online transactions. This security measure includes redirecting the user during payment to a secure maib page, where each cardholder is authenticated by being assigned a one-time code for each online transaction.
Refunds are made only to the payment card used for the purchase.
To make a payment, you will need to enter your bank card details. The transmission of this information is carried out in compliance with all necessary security measures. The information is transmitted in encrypted form and stored only on a specialized server of the payment system.
The following data will be requested for payment:
All payments are processed in the national currency – MDL (Moldovan leu). If the transaction currency differs from the payment currency, the transaction amount is converted at the card transaction exchange rate on the settlement day of the issuing bank.
4. DELIVERY OF PRODUCTS / GOODS / SERVICES
Receiving format
1.1. After successful online payment, the insurance policy is issued and sent to the client’s e-mail address provided during checkout in PDF format.
1.2. Electronic delivery is the primary method of providing documents.
Sending timeframes
2.1. The policy is sent by e-mail after payment confirmation and issuance by the insurer.
2.2. In some cases, there may be a delay due to payment processing by the bank/payment system or technical maintenance.
Paper copy (only upon the client’s explicit request)
3.1. Upon the client’s explicit request, a paper copy may be issued/provided (if a paper format is предусмотрed by the selected product/insurer).
3.2. Available options to receive the paper copy:
3.2.1. Pickup at: Bulevardul Dimitrie Cantemir 6, Chișinău.
3.2.2. Courier delivery within Chișinău (only upon prior request).
3.3. Courier delivery conditions (time/cost) are agreed individually before dispatch.
Data accuracy
4.1. The client must provide a correct e-mail address to receive the policy. If there is an error in the e-mail address, the client should contact support as soon as possible for re-sending (if technically possible and not contrary to the insurer’s rules).
5. RIGHT OF WITHDRAWAL / REFUND
5.1. When an insurance policy is issued online, the contract is considered concluded at a distance (distance consumer financial service). The consumer has the right to withdraw (revocare) from the distance contract within 14 calendar days, without penalties and without stating reasons, where applicable, taking into account the exceptions provided by the legislation of the Republic of Moldova.
5.2. The right of withdrawal does not apply, including, to contracts that have been fully performed by both parties at the consumer’s explicit request before the expiry of the withdrawal period.
5.3. Performance of the service (including the insurance coverage taking effect before the expiry of 14 days) may begin only with the consumer’s prior explicit consent. In case of withdrawal, refund/calculation rules provided by insurance legislation apply.
5.4. Cancellation of the policy through profasig.md is possible only before the policy start date/time and provided that the insurer allows cancellation. The decision on cancellation and refund is made by the insurer in accordance with its rules and the applicable legislation.
5.5. If the policy has already taken effect, cancellation is not possible; a procedure for termination/cessation of the insurance contract may be available with the insurer under the conditions provided by law and the insurer’s rules (as a rule — via the insurer’s office).
5.6. Upon termination after the policy has taken effect, the refund of the premium (if applicable) is calculated according to the insurer’s rules and usually proportionally to the unused period. The insurer may retain expenses/fees provided by the insurance terms.
5.7. Bank/payment fees (acquiring) and third-party service fees may be non-refundable if they were actually withheld by the payment system and are not returned by the payment provider.
5.8. A cancellation/refund request is submitted to profasig.md support and must include:
5.8.1. Client’s full name;
5.8.2. order number and/or policy number (series);
5.8.3. payment date;
5.8.4. e-mail used during checkout;
5.8.5. reason for the request;
5.8.6. contact phone number.
5.8.7. If necessary, an application and/or documents required by the insurer for cancellation/termination may be requested.
5.9. If the refund is approved, funds are returned to the same card/account used for the payment. The refund is made without undue delay and, in any case, no later than 30 calendar days from the date of receiving the withdrawal notice/refund approval (depending on the applicable procedure). The actual crediting time depends on the issuing bank and usually takes a few business days.
6. PRIVACY POLICY
In accordance with Law No. 133/2011 on personal data protection, the service provider processes personal data. Personal data is processed in good faith on the basis of and in accordance with legal norms. Personal data is processed using mixed methods (automated and manual) in compliance with legal requirements and under conditions that ensure security, confidentiality, and the rights of data subjects.
The provider collects and processes only the personal data provided by consumers when placing an order: first name, last name, phone number, address, postal address.
Personal data is used exclusively for website administration, providing access to information, in particular for delivering orders or contacting the consumer in order to perform delivery. Through this information, users and consumers are informed that their personal data (first name, last name, phone number, address, postal address) will be processed and used. The service provider processes users’ and consumers’ personal data provided when browsing, using, and registering on the website www.profasig.md.
Any information provided by users and consumers of www.profasig.md will be reviewed and will constitute direct consent for the provider to use personal data.
The provider will not disclose to third parties any data it holds without the consent of data subjects and will not sell, exchange, or disclose such data to other persons, except as provided by applicable law (upon request of public authorities, legal entities, courts, and other entities authorized to process personal data).
Personal data may be processed and used by the provider for statistical purposes and further promotion.
The provider complies with personal data security requirements and ensures the protection of consumer data, preventing loss, destruction, distortion/falsification, or disclosure to third parties.
The provider’s employees are obliged to maintain the confidentiality of consumers’ personal data. Personal data processing will be carried out by the provider’s authorized person.
The provider uses security methods and technologies in accordance with applicable law.
The provider does not collect information related to transactions, such as card number, expiry date, country of origin.
For more details, any interested person may contact us by e-mail at [email protected] or by phone at +373 68 878 771.
7. CONTACT INFORMATION
Company legal name: Insurance and/or reinsurance broker “PROFASIG-PLUS” S.R.L
Fiscal code: 1011600020131
Registered address: MD-2009, mun. Chișinău, str. V. Alecsandri 11 ap.7
Physical address: Bulevardul Dimitrie Cantemir 6, Chișinău
Contact phone: +373 68 011 100
Support phone: +373 68 878 771
Contact e-mail: [email protected]
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