{"id":917,"date":"2023-02-19T22:42:11","date_gmt":"2023-02-19T22:42:11","guid":{"rendered":"https:\/\/qualis-protectus.hr\/en\/?page_id=917"},"modified":"2023-02-19T22:51:03","modified_gmt":"2023-02-19T22:51:03","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/qualis-protectus.hr\/en\/terms-and-conditions\/","title":{"rendered":"Terms and conditions"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h1>TERMS AND CONDITIONS<\/h1>\n<p>Brokerage in insurance and reinsurance<br \/>\nGeneral business conditions for insurance mediation<\/p>\n<p><strong>INTRODUCTION<\/strong><br \/>\nThe issuer of these General Terms and Conditions for Insurance Brokerage (hereinafter: General Terms and Conditions) is Qualis<br \/>\nProtectus, brokerage business in insurance and reinsurance, owner Damir Bo\u017ei\u010devi\u0107, Ljudevita Posavskog 36B, 10000 Zagreb,<br \/>\nThe Republic of Croatia (hereinafter: Intermediary), registered in the trade register in Zagreb with decision Class: CLASS: UP\/I-311-<br \/>\n02\/22- 001\/397, URBROJ: 251-06-11-1\/007-22-3, dated February 22, 2022. MBO: 98376179, OIB; 26917743473, Data<br \/>\nverifiable in the trade register (www.or.portor.hr). The competent body for supervising the operations of the Intermediary is the Croatian Agency for<br \/>\nsupervision of financial services (hereinafter: HANFA). By decision of December 2, 2021. , HANFA issued a license to the Intermediary<br \/>\nfor the performance of insurance and reinsurance distribution and is registered in the register of insurance and reinsurance brokers. It is also<br \/>\nregistered in the Register of Trades for Brokerage in Insurance and Reinsurance maintained by HANFAe. Data from the registry<br \/>\nHANFA can be verified on the website www.hanfa.hr.<\/p>\n<p><strong>GLOSSARY<\/strong><br \/>\nCertain terms used in the General Terms and Conditions have the following meaning:<br \/>\nClient\/Party: a legal or natural person who occasionally or permanently uses the business services of the Intermediary &#8211; brokerage firm<br \/>\nbusiness in insurance and reinsurance, which at the behest of the party performs insurance distribution business. Authorization to mediate: is<br \/>\na written document by which the Client unequivocally expresses his will to become a Client and authorizes the Intermediary for tasks related to<br \/>\nby negotiating with the insurance company, the purpose of which is to ensure that the Client, as a future policyholder, is in accordance with<br \/>\nhis requirements, that is, his needs, enable the conclusion of an insurance or reinsurance contract.<br \/>\nOrder for mediation: is an instruction submitted by the Client to the Intermediary, which requests the execution of one or a series of Jobs<br \/>\nintermediary in insurance and reinsurance.<br \/>\nInsurance intermediary\/broker jobs: are insurance distribution jobs at the behest of the Client in connection with the activities<br \/>\nby negotiating with the insurance company, the subject of which is the effort to provide the future policyholder, in accordance with his<br \/>\nrequirements, i.e. needs, enable the conclusion of contracts on insurance, i.e. reinsurance and jobs related to<br \/>\npreparation for concluding an insurance or reinsurance contract and assistance in exercising rights from the insurance contract,<br \/>\ni.e. reinsurance, concluded with the mediation of the Intermediary, and especially when resolving compensation claims addressed to the company<br \/>\nfor insurance.<br \/>\nMediation\/brokerage in insurance (when performed by an insurance brokerage): is distribution<br \/>\ninsurance at the behest of the Client, which includes activities based on established requirements or needs of the client\/party<br \/>\ninitiating, proposing or performing preparations for concluding an insurance or reinsurance contract, assistance with<br \/>\nexercising the rights from the insurance contract, and especially when dealing with compensation claims addressed to the insurance company.<\/p>\n<p><strong>Consultation:<\/strong><\/p>\n<p>When distributing insurance and reinsurance, the broker acts according to the order of the party in such a way that, before concluding the contract, o<br \/>\ninsurance based on information received from the client\/party provides the client\/party with objective information about the product<br \/>\ninsurance so that the client\/party can independently make an informed decision about concluding or not concluding a contract<br \/>\ninsurance, whereby it does not give advice on the insurance products it distributes.<br \/>\n1\/4 General business conditions for insurance mediation<\/p>\n<p>Brokerage in insurance and reinsurance<br \/>\n1. SCOPE OF THE MEDIATOR&#8217;S SERVICE<br \/>\n1.1 Authorization for insurance mediation is considered a written agreement on the provision of services to the extent determined. General<br \/>\nterms of business under the definition of Businesses of insurance brokers. 1.2 The mediator is obliged to work as a mediator in<br \/>\nundertake insurance only on the basis of an express Mediation Order.<\/p>\n<p><strong>2. FEE<\/strong><br \/>\n2.1. The Intermediary has no right to demand payment of a commission or any other payment from the Client unless it is expressly agreed with the Client<br \/>\notherwise agreed in writing.<\/p>\n<p><strong>3. OBLIGATIONS AND RESPONSIBILITIES OF INTERMEDIARIES<\/strong><br \/>\n3.1. Obligations of the Intermediary<br \/>\nThe intermediary is obliged to perform his activities in such a way as to protect the interests of the Client. The mediator is obliged to make an offer for the conclusion of the contract<br \/>\nto prepare the insurance based on the data he collected from the Client, based on the requirements and needs that the latter expressly informed him about<br \/>\nnotified, and on the terms of acceptance of such offers, on behalf of the Client, conduct negotiations with those interested in insurance. He is a mediator<br \/>\nobliged to act within the framework of the instructions and requests of the Client contained in the Mediation Order. The final decision on acceptance of rights i<br \/>\nreceiving the fulfillment of the obligations of the insurance policyholder, that is, the insured under the insurance contract, is brought by the Client. The mediator will<br \/>\nmediate in the conclusion of insurance, check the content of insurance policies and other acts related to the insurance contract<br \/>\nin order to confirm their identity with the conditions agreed upon by the Client with the insurers, inform the Client about the procedure<br \/>\nreport claims and promptly provide assistance to the Client for the duration of the insurance contract concluded by the Client<br \/>\nthrough.<br \/>\n3.2 Liability of the Intermediary<br \/>\nThe Intermediary&#8217;s liability for damage, which may arise from the business relationship between the Intermediary and the Client, is limited accordingly<br \/>\nprovisions of the Insurance Act in the amount of at least \u20ac 1.330.955 per claim and a total of \u20ac 1,957.661 for all compensation claims in one year.<\/p>\n<p><strong>4. OBLIGATIONS AND RESPONSIBILITIES OF THE CLIENT<\/strong><br \/>\n4.1 Principle of responsibility<br \/>\nIn his relationship with the Intermediary, the Client is obliged to act in accordance with the principle of conscientiousness and honesty and with the attention of good<br \/>\nbusinessman.<br \/>\n4.2. Informing the Intermediary For the regular and smooth development of the business relationship, it is necessary that:<br \/>\na) during the preparation for concluding or renewing the insurance contract, the Client provides the Intermediary with all information and facts available to him<br \/>\nare known, and are significant for risk assessment, and that, during the duration of the insurance contract, without delay the Intermediary&#8217;s notification of<br \/>\nto any change in circumstances that may be significant for risk assessment (whether it is an increase or decrease and that<br \/>\nregardless of whether the change occurred due to the Client&#8217;s action or without his participation)<br \/>\n2\/4 General business conditions for insurance mediation<\/p>\n<p><strong>Brokerage in insurance and reinsurance<\/strong><br \/>\nb) The Client shall notify the Intermediary without delay of the occurrence of a harmful event and provide the Intermediary with such notification<br \/>\ninformation about the circumstances and consequences of the said event, his obligation to communicate the Relevant Circumstances and Application<br \/>\nadverse event, as defined in this point.<br \/>\n4.3 Content and delivery of the Mediation Order<br \/>\nThe client is obliged to submit to the Intermediary in a timely manner the Mediation Order, which must contain precise information and<br \/>\nguidelines.<\/p>\n<p><strong>5. KEEPING CONFIDENTIAL INFORMATION AND PERSONAL DATA<\/strong><br \/>\n5.1. The Intermediary will treat all information, data, facts and circumstances about an individual Client at its disposal as confidential.<br \/>\nThe Intermediary will keep all confidential information it has about an individual Client as a business secret and will only use it<br \/>\nfor the purpose of providing insurance intermediary services to the client in question.<br \/>\n5.2 The Client authorizes the Intermediary to exchange secret and personal data to the necessary extent with insurers (current and<br \/>\npotential) and entries in the documentation that is created in connection with the performance of Insurance Intermediaries.<\/p>\n<p><strong>6. PERIOD OF AUTHORITY<\/strong><br \/>\n6.1 The authorization to mediate insurance is granted for an indefinite period of time, and each party has the right to cancel it in writing,<br \/>\nwith a notice period of 30 days during which each party is obliged to properly, completely and conscientiously fulfill the obligations assumed.<\/p>\n<p><strong>7. PROCEDURE FOR RESOLVING CLIENT COMPLAINTS<\/strong><br \/>\n7.1 The client, i.e. all entities that are defined as interested persons by the applicable regulations, and the Intermediary will make every effort<br \/>\nto resolve any disputes arising from the Mediator&#8217;s services amicably, in a peaceful procedure.<\/p>\n<p>7.2 Complaints about the provision of services or the performance of the intermediary&#8217;s obligations can be filed by the insured or the policyholder or<br \/>\nthe beneficiary from the insurance contract within 15 days of learning about the complaint.<\/p>\n<p>7.3 The complaint is submitted to the Intermediary in writing to the address of the trade&#8217;s headquarters, Qualis Protectus, a brokerage business in<br \/>\ninsurance and reinsurance vl. Damir Bo\u017ei\u010devi\u0107, Ljudevita Posavskog 36B, 10000 Zagreb or by e-mail to the address: db@qualis-<br \/>\nprotectus.hr<\/p>\n<p>7.4 The complaint should contain:<br \/>\na) name and surname and address of the complainant who is a natural person or his legal representative, i.e. company, registered office and<br \/>\nname and surname of the responsible person of the complainant who is a legal entity,<br \/>\nb) reasons for the complaint and requests of the complainant,<br \/>\nc) evidence that confirms the allegations from the complaint when it is possible to attach them, and it may also contain documents that were not there<br \/>\nconsidered in the procedure in which the decision for which the complaint is filed was made, as well as proposals for the presentation of evidence,<br \/>\nd) the date of filing the complaint and the signature of the complainant or the person representing him,<br \/>\n3\/4 General business conditions for insurance mediation<\/p>\n<p>Brokerage in insurance and reinsurance<br \/>\ne) power of attorney for representation, when the complaint is submitted by proxy.<br \/>\n7.5 After analyzing and verifying the allegations from the complaint, the Mediator will respond in writing to the applicant within 15<br \/>\ndays from the date of receipt of the complaint.<br \/>\n7.6 If the complaint is submitted by e-mail or the complainant specifically requests it, the response to the complaint can be sent<br \/>\nby electronic mail, in compliance with the regulations governing the protection of personal data.<br \/>\n7.7 All disputes arising from or in connection with the insurance relationship, including disputes related to issues of its<br \/>\nof valid origination, breach or termination, as well as the legal effects arising from it, can be referred to mediation at one of<br \/>\norganization for reconciliation in the Republic of Croatia (Croatian Insurance Office, Croatian Chamber of Commerce, etc.). Competent authority<br \/>\nthe Croatian Financial Services Supervision Agency (HANFA), Ulica Franje, is responsible for supervising the performance of insurance distribution operations Ra\u010dkog 6, 10 000 Zagreb, www.hanfa.hr<br \/>\n7.8 In the event that despite efforts to resolve the dispute amicably, a peaceful resolution of the dispute cannot be achieved, a local<br \/>\njurisdiction of the competent court in Zagreb.<\/p>\n<p>The general terms and conditions for insurance mediation apply from February 22, 2022.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":919,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-917","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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