General Conditions

1.1. These General Terms and Conditions govern the relationship between 'TRUSTY.BG' Ltd, UIC 206137538 (hereinafter referred to as Insurance Broker) and the user of insurance services Client who, through the use of the website http://www.trusti.bg/, instructs the Insurance Broker to conclude, in his name and on his behalf, an insurance contract on the terms and with the insurer specified by the Client, for a fee which is included in the insurance premium and payable by the insurer.

1.2 Pursuant to Article 5 of the Electronic Document and Electronic Authentication Services Act (EDESA), the parties agree to be bound by their electronic statements made to each other.

1.2.1. Electronic statements addressed to the Insurance Broker shall be made through the online system of 'TRUST.BG' Ltd. available at http://www.trusti.bg/ and/or by e-mail.

1.2.2. The electronic statements addressed to the User shall be made through the online system available at http://www.trusti.bg, through the User's Account, by e-mail and/or the User's mobile phone number.

1.2.3. Pursuant to Article 13, paragraph 4 of the EUDEA, the Parties agree that they will sign the statements with an ordinary electronic signature, which may be deemed to be their IP addresses, their provided email addresses and/or other data in electronic form.

2.1. Website is the distinct location on the global Internet network, accessible through its unified address (URL) by HTTP, HTTPS or other standardized protocol and containing files, programs, text, sound, picture, image, electronic links or other materials and resources, with the address http://www.trusti.bg/, owned and administered by TRUSTY.BG' Ltd.

2.2. Profile is a distinct part on the Website containing information about a person registered on the Website, provided by the same upon registration and upon use of the services provided through the Website and stored by the Insurance Broker. The Account is accessed by entering the e-mail address (e-mail address) and password provided at registration or by means of Google or Facebook accounts (accounts).

2.3. Customer is a legally capable natural person (over 18 years of age and not under a legal disability) or a legal person who, by using the Website, places an electronic order for the conclusion of an insurance contract on the terms and with the insurer specified by him/her by ticking the 'checkbox' and/or clicking the relevant virtual button on the Website, and/or pays the premium due or instalment thereon.

2.4. User means any person or entity (including but not limited to any person with a registered Website Account, Customer, Website visitor, etc.) who uses the services and information resources available on the Website.

2.5. An Electronic Order / Order is an application made by the Customer via the Website to enter into an insurance contract on the terms and with the insurer specified by the Customer by ticking a 'checkbox' and/or clicking the relevant virtual button on the Website.

2.6. Insured is the person whose property and/or non-property goods are subject to insurance protection under an insurance contract.

2.7. Insured is the person who is a party to the insurance contract. The insurer may, subject to the terms of the insurance contract, also be the insured or a third party beneficiary.

2.8. Insurance policy shall reproduce the contents of the insurance contract concluded between the Insurer and the Insured and may be drawn up in the form of an electronic document within the meaning of the Electronic Document and Electronic Certification Services Act.

2.9. Insurance risk is the objectively existing probability of the occurrence of a harmful event, the occurrence of which is uncertain, unknown and independent of the will of the insurer, the insured or the third party beneficiary.

2.10. Insured event means the occurrence of a covered peril under an insurance during the period of coverage.

2.11. Green Card Certificate means an international certificate of insurance issued on behalf of a national bureau under section 35 in accordance with Recommendation No. 5 adopted on 25 January 1949 by the Sub-Committee of the Committee on Land Transport of the United Nations Economic Commission for Europe.

2.12. Sum insured: shall determine the limit of the insurer's liability and shall not exceed the actual value for which another vehicle of the same type and quality may be purchased in place of the insured vehicle.

2.13. Consumer means any natural person who, as a party to a distance contract for the provision of financial services, acts outside the scope of his trade or profession.

2.14. Durable medium means a paper medium or any other medium which enables the user to store information addressed to him personally in a way which ensures future access to that information for a period corresponding to the purposes for which it was created and which allows that information to be reproduced without being altered.

3.1. 'TRUSTY.BG' Ltd, UIC 206137538, with registered office and address of registered office in the town of . No. 1360, Vrubnitsa district, ul. '23, app. 13, is an insurance broker, entered in the register of insurance brokers maintained by the Financial Supervision Commission (FSC), according to Certificate No. 20210203131045. Entry in the register of insurance brokers maintained by the FSC can be verified by checking the FSC at the address of the address of the FSC in the town of /2020. Sofia 1000, ul. '16 Budapest Street or by consulting the electronic register maintained on the website of the FSC - www.fsc.bg.

3.2. Address for correspondence: gr. Stara Zagora Blvd. 'Tsar Simeon Veliki' № 112, floor 2, office 2.

3.3. In carrying out the insurance intermediation 'TRUST.BG' Ltd. represents the Client on the basis of an insurance intermediation contract, of which these General Terms and Conditions are an integral part.

3.4. The insurance broker shall have no contractual obligation to carry out insurance mediation exclusively for one or more insurers.

3.5. TRUST.BG' Ltd. does not own directly or through related persons more than 10 per cent of the votes in the general meeting or of the capital of an insurance company. No insurer or parent undertaking of an insurer shall hold, directly or through related parties, shares or interests representing more than 10 per cent of the votes in the general meeting or of the capital of the Insurance Broker.

4.1. By accepting these General Terms and Conditions, by ticking the 'checkbox' or clicking on the relevant virtual button on the Website, the Customer enters into an insurance mediation contract in accordance with these General Terms and Conditions, selects and confirms the insurer, the insurance product and the terms and conditions, under which he wishes to conclude the insurance contract and instructs and authorises the Insurance Broker to conclude on his behalf and for his account an insurance contract with the insurer so selected, for the insurance product so selected and on the terms of the insurance contract so confirmed. The foregoing shall have the force and effect of an Insurance Agency Agreement entered into between the Client and the Insurance Broker.

4.2. The Insurance Mediation Contract shall be concluded for a specific Electronic Order placed by the Client and shall terminate upon the Insurance Broker's fulfilment of its obligation to deliver to the Client the Insurance Policy, receipts, stickers and all documents accompanying the Policy (including by e-mail), and the Client's payment of the premium due.

4.3. By accepting these General Terms and Conditions, the Client consents to the Insurance Broker signing the Insurance Contract and the accompanying documents also on behalf of the relevant Insurer.

4.4. The Insurance Broker shall sign the Insurance Contract with a qualified electronic signature on behalf and for the account of the Client and the Insurer.

5.1. The Insurance Broker shall enter into the insurance contract for the insurance product selected by the Customer and on the terms and with the insurer expressly indicated by the Customer by ticking the 'checkbox' and/or clicking the relevant virtual button on the Website.

5.2. The Insurance Broker does not provide advice (personal recommendations) to the Clients in connection with the conclusion of insurance contracts, but only objective information about the insurance product in an understandable form to help them make an informed decision. If specifically requested by the Client and if the Insurance Broker agrees, the Insurance Broker may provide advice based on a fair and personal analysis of the insurance contract that would be most appropriate to meet the Client's needs.

5.3. By accepting these General Terms and Conditions, the Client consents to the provision of the pre-contractual information, as well as the statements of the parties made by telephone, other means of voice communication at a distance, video or e-mail, being recorded by the Insurance Broker pursuant to Article 18, Par. 18.3 of the Distance Financial Services Act. The Insurance Broker may keep and use these recordings as evidence to establish the circumstances contained therein. The processing of the Client's data contained in the said records shall be carried out in accordance with the procedure and on the grounds described in the Insurance Broker's Personal Data Protection Policy.

5.4. The Insurance Broker shall take due care that the information published on the Website is up-to-date and reliable.

5.5. The Insurance Broker shall receive a remuneration for the insurance brokerage carried out resulting in the conclusion of an insurance contract, which is included in the insurance premium and payable by the insurer.

6.1. The Customer is obliged to provide complete, true and accurate information when filling in the data required for the conclusion of the insurance contract. In the event that the Customer has an Account on the Website and some of these data are automatically generated and/or obtained from third parties as a result of using services provided by them (e.g. Google Sign-In or Facebook Login), the Customer shall check their currency and accuracy and correct them if necessary before placing the Order. If, in connection with the conclusion of the Insurance Contract, data is to be provided to a third party, the Customer shall ensure that (1) it has informed the third party of the provision of its personal data, (2) it has made the third party aware of the content of the Privacy Policy published on the Website and (3) it has ensured that there is an appropriate legal basis for the disclosure of such data. In the event of failure to comply with this obligation, the Client shall indemnify the Insurance Broker for all damages suffered (losses and loss of profits), including administrative penalties imposed (fines and financial penalties), legal costs, damages awarded to data subjects, etc., etc.

6.2. The insurance broker shall not be liable in the event that the Client has knowingly or unknowingly provided incomplete or inaccurate information necessary for the conclusion of the insurance contract, including if the Client has knowingly or unknowingly misstated or omitted a circumstance in the presence of which the insurance contract would not have been concluded.

6.3. The Customer may not insure another's property unless there is approval to do so from the owner of the insured property.

7.1. Through the Website, the Customer shall be able, through the intermediary of the Insurance Broker, to conclude an insurance contract with an insurer of his choice without the need to visit an office of the insurer or the Insurance Broker.

To place an Electronic Order, the Insurance Broker may require the Customer to register and create an Account on the Website. Registration is free of charge.

More information on registration and use of the Profile created on the Website is contained in Article 13 below of these Terms and Conditions.

In order to submit an Electronic Order to the Insurance Broker for the conclusion of an insurance contract, the Customer shall perform the following actions on the Website:

7.2.1. The customer shall enter the details of the motor vehicle for which he wishes to take out motor third party liability insurance. After entering the required data and clicking on the virtual button Show results, the Customer can view and get acquainted with the offers of the different insurance companies and choose the most suitable for him.

7.2.2. The Customer shall indicate whether he wishes to pay the full amount of the insurance premium due when submitting the Electronic Order or whether he chooses a deferred payment of the insurance premium.

7.2.3. The Customer may view more detailed information regarding insurance coverage, payment method, obtaining the insurance policy, etc. by clicking on the virtual 'Details' button. The insurance product information can be saved by the Customer and/or printed by clicking on the virtual 'Download Now' button.

7.2.4. After the Customer has reviewed the offers, has familiarized himself with the information on the insurance product, has chosen the method of payment of the insurance premium and has decided on a specific offer for conclusion of an insurance contract, he presses the virtual button Buy.

7.2.5. The Customer shall fill in the necessary data for the conclusion of the insurance contract. The Insurer shall fill in the details of the owner of the vehicle in case the latter is a person other than the Insurer. The customer shall indicate the starting date of the insurance cover. Having provided the required information, the Customer shall press a virtual Continue button.

7.2.6. The Delivery Details section displays the possible delivery methods of the Green Card and the sticker (by courier service or by post), the delivery price and the delivery period, with the Customer selecting his preferred option by ticking 'checkbox' in the relevant field. The Customer shall enter the delivery address and may choose to receive the delivery at the address or at the office of the relevant courier service/post office.

7.2.7. By ticking the 'checkbox' the Customer shall select the means of payment of the insurance premium or of the instalment due thereon, which, according to the means of payment available at the time, may be

7.2.8. Having selected the method of payment of the insurance premium or instalment due thereon, the Customer presses a virtual 'Buy Now' button, which completes the Order and:

In the event that registration on the Website is required for the submission of an Electronic Order, the Client declares and consents to the above circumstances and authorises the Insurance Broker to carry out the actions described with the acceptance of these General Terms and Conditions by ticking the relevant 'checkbox' in accordance with paragraph 13.1.2 below when creating an Account on the Website.

7.2.9. Upon completion of the Order and in the event that the Customer has elected to pay the premium due or the relevant instalment thereof via the ePay system or by bank transfer, the Insurance Broker shall send to the email address provided by the Customer instructions regarding payment and an Order reference number.

In order to submit an Electronic Order to the Insurance Broker for the conclusion of an insurance contract, the Customer shall perform the following actions on the Website

7.3.1. The Customer shall enter the details of the motor vehicle for which the Customer wishes to take out insurance cover. After entering the required data and pressing the virtual Show results button, the Customer can view and get acquainted with the offers of the different insurance companies and choose the most suitable one for him.

7.3.2. The Customer shall indicate by ticking the checkbox whether he wishes to pay the full amount of the insurance premium due when submitting the Electronic Order or whether he elects deferred payment of the insurance premium, including whether he wishes the insurance contract to include a Self-insurance clause and additional cover against the risk of Theft

7.3.3. The Customer may view more detailed information regarding insurance coverage, payment method, obtaining the insurance policy, etc. by clicking on the virtual Details button. The insurance product information can be saved by the Customer by clicking on the virtual Download Now button.

7.3.4. After the Customer has viewed the offers, read the information on the insurance product, chosen the method of payment of the insurance premium and decided on a specific offer for concluding an insurance contract, he/she shall press the virtual button Buy.

7.3.5. The customer shall fill in the necessary data for the conclusion of the insurance contract. The Insurer shall fill in the details of the owner of the vehicle , in case the latter is a person other than the Insurer. The customer shall indicate the starting date of the insurance cover. Having provided the required information, the Customer shall press the virtual Continue button.

7.3.6. By marking the checkbox the Customer shall choose one of the following methods of payment of the insurance premium or the instalment due thereon

7.3.7. After having selected the method of payment of the insurance premium or instalment due thereon, the Customer presses the virtual button Buy now, whereby

In the event that registration on the Website is required for the submission of an Electronic Order, the Client declares and consents to the above circumstances and authorises the Insurance Broker to carry out the actions described with the acceptance of these General Terms and Conditions by ticking the relevant checkbox in accordance with paragraph 13.1.2 below when creating an Account on the Website.

7.3.8. Upon completion of the Order and in the event that the Customer has elected to pay the premium due or the relevant instalment thereof via the ePay system or by bank transfer, the Insurance Broker shall send to the email address provided by the Customer instructions regarding payment and an Order reference number.

8.1. Payment of the insurance premium through the Website shall be made by means of the Insurer's bank cards (debit or credit), by bank transfer to a bank account specified by the Insurance Broker, by ePay, and in the case of motor third party liability insurance - by cash on delivery:

8.1.1. Payment by bank card (debit or credit): The payment is made at a virtual POS of UniCredit Bulbank AD. The payment security is guaranteed by the payment service provider and the Insurance Broker has no access to the card data.

8.1.2. Payment by bank transfer:The Insured may pay the due insurance premium or the respective instalment thereof to the following bank account of TRUSTY. BG LTD, EIC 206137538:

Bank: Unicredit Bulbank

IBAN: BG40 UNCR 70001524208268

BIC: BG40UNSR<bold>

Reason for payment: Order number.

8.1.3. Payment by ePay: through the website www.ePay.bg The Insurer may pay the premium due or the relevant instalment thereof by the method specified in paragraph

8.1.4 above Insurance Broker's bank account. For this purpose, the Insured shall register in the ePay.bg system, registration being free of charge. Information on the amount of bank transfer fees is published on the ePay.bg website.

8.1.5. Payment by cash on delivery: The insurer shall pay the due insurance premium or the corresponding contribution upon receipt of the sign (sticker) issued by the Guarantee Fund under Article 487 of the Insurance Code and the Green Card certificate under Article 488 of the Insurance Code. Depending on the delivery method chosen, either by courier service or by post, an additional fee may be charged in case of payment by cash on delivery, the amount of which will be announced on the Website prior to finalizing the Order.

8.2. The price of the insurance products shall be individually formed on the basis of the parameters specified by the insurers, valid for the Insured, such as age, year of manufacture of the car, etc.

8.3. The prices of all insurance products shall be in Bulgarian levs (BGN). For each successfully made transaction the Customer shall receive a receipt of the payment to the e-mail address indicated by him.

8.4. The Insurance Broker and the Insurer shall not charge an additional fee for payment via the Website.

8.5. Payment of an instalment under an existing insurance contract:

8.5.1. Payment of an instalment due under an insurance contract in force shall be made through the Customer's Account on the Website. In the event that the Customer does not have a Website Profile, the Customer shall pay the same by one of the methods specified in clause 8.1.2 or 8.1.3 so that the amount is received no later than the due date for payment. In addition, the Insurance Broker may send to the email address provided by the Customer a link through which the relevant instalment of the insurance premium due can be paid and in accordance with clause 8.1.1.

8.5.2. If the Customer has chosen to pay the insurance premium due by bank card (clause 8.1.1 above), and subject to the consent of the bank card holder, the payment service provider may automatically deduct subsequent instalments. In this case, when purchasing an insurance product for which the Customer has opted for deferred payment (payment in instalments) - this payment will be executed by registering the Insurer's card in the system of the payment service provider serving the Insurance Broker and by executing subsequent periodic payments with the registered card, without any intervention on the part of the Insurer. The registration of the card in the payment service provider's system shall take place at the time of the Insurer's first payment by entering the bank card details in a secure environment in the payment service provider's system. This card data is stored in encrypted form by the payment service provider and cannot be accessed by the Insurance Broker at any point in the payment process.

8.6. Unless otherwise agreed, insurance cover shall commence upon payment of the full amount of (i) the premium due under the insurance contract or (ii) the first instalment thereof - in the case of an agreed deferred payment of the premium.

8.7. If within 3 (three) Business Days of the submission of the Electronic Order the Client fails to pay the Insurance Broker the full amount of the premium due or the first instalment thereof (in the case of an agreed deferred payment of premium), the Order shall be deemed cancelled and the Insurance Brokerage Contract shall automatically terminate.

8.8 In the event of default in the payment of subsequent instalments of the insurance premium, the rules of the insurance contract with the relevant insurer shall apply, subject to the mandatory provision of Article 368 of the Insurance Code.

9.1. Within three working days from:

9.2. In the event that compulsory motorists' liability insurance has been taken out under the terms of payment by credit or debit card issued in the name of the Insurer, via ePay or by bank transfer, within three working days of receipt of the insurance premium or the relevant instalment thereof, the Insurance Broker shall send by courier/post the sign (sticker) issued by the Guarantee Fund under Art. 487 of the Insurance Code and the Green Card Certificate under Article 488 of the Insurance Code. Depending on the method of delivery chosen by the Customer, either by courier service or by post, additional delivery charges may apply, the amount of which will be announced on the Website prior to finalisation of the Order.

9.3. In the event that compulsory motor third party liability insurance has been taken out under the terms of payment by cash on delivery within three working days of receipt of the Electronic Order, the Insurance Broker shall send by courier/post the sign (sticker) issued by the Guarantee Fund under Article 487 of the Insurance Code and the Green Card Certificate under Article 488 of the Insurance Code. Depending on the method of delivery chosen by the Customer, either by courier service or by post, additional delivery charges may apply, the amount of which will be announced on the Website prior to finalisation of the Order.

9.4. In the event of payment of an instalment of the insurance premium under an insurance contract in force, delivery of the sticker (sign cut-off) and the Green Card Certificate referred to in clause 9.2 above shall be made after receipt of payment. Depending on the method of delivery chosen by the Customer, either by courier service or by post, additional delivery charges may apply, the amount of which will be announced on the Website prior to finalisation of the Order.

10.1 The User has the right to withdraw from the Insurance Mediation Contract concluded with 'TRUSTY.BG' Ltd within 14 days of placing an Electronic Order via the Website. For this purpose, the User should send a written notification to the Insurance Broker at the address of the company. Stara Zagora Blvd. 'Tsar Simeon Veliki' № 112, floor 2, office 2 or to the following e-mail address

10.2. With the withdrawal from the insurance mediation contract, the User also withdraws from the order for conclusion of an insurance contract. If possible, the Insurance Broker will cancel the issued policy without the User incurring any fees or costs. If the policy that the User has ordered through the Website has been issued and has become effective prior to receipt of the notice of cancellation of the Insurance Brokerage Contract, the User should contact the relevant insurer to cancel the insurance policy. The insurer shall be entitled to retain such part of the insurance premium as corresponds to the time during which the insurance policy was in force, respectively the insurer bore the risk. In the event of a cancellation of an Order for motor third party liability insurance, the User shall hand back the Green Card Certificate and the sign issued by the Guarantee Fund.

10.3. In the event of cancellation of the Order, the User shall not be liable to pay any compensation or penalty, including the reasons for cancellation.

10.4. The right of withdrawal shall not apply to insurance contracts in connection with travel, baggage or other insurance contracts with a term of less than one month.

10.5. Clients who are acting in the course of their trade or profession or on behalf of a trader whom they represent by law or by proxy shall not have the right of withdrawal from the concluded Insurance Mediation Contract.

11.1. When placing an Electronic Order, the Customer shall provide the Insurance Broker with the necessary communication details (address, email address and telephone number). If the address, email address and/or telephone number provided changes, the Customer shall immediately notify the Insurance Broker and the Insurer by providing a new address, email address and/or telephone number for contact.

11.2. If the Insurance Broker and/or the Insurer is not notified of the change in the contact details provided by the Customer, the Customer shall be deemed to have been duly notified if messages are sent to the email address, telephone number and/or via the Customer Profile created on the Website provided by the Customer when placing the Electronic Order.

12.1. The Client, as well as any interested person, may lodge a complaint against the Insurance Broker at the following address. Stara Zagora Blvd. 112 'Tsar Simeon Veliki', floor 2, office 2 or to the following e-mail address: [email protected] The complaint must contain three names, telephone number and address for feedback, as well as a description of the complaint. The insurance broker shall examine the complaint and decide on it within up to one (1) month of receipt, and the response shall be sent to the address provided by the complainant.

12.2. In the event of not being satisfied with the response received, the Client, as well as any interested person, may submit an application to the Sectoral Conciliation Commission for the settlement of disputes in the field of insurance and insurance intermediation, including the provision of financial services at a distance in these sectors (hereinafter referred to as SCC for short). The application should be submitted to the Commission for Consumer Protection (CCP) at the address Sofia, pl. '4a Slaveykov Street or at the relevant territorial subdivision of the CPC in the country, or online by following the steps in the section 'Complaints and registers', subsection 'Conciliation Commission', available on the CPC website - www.kzp.bg. The Insurance Broker's participation in the proceedings before the SPC is voluntary. The conciliation proposal drawn up by the JCC shall be binding on the parties to the dispute only if it is approved by them.

12.3. The Client, as well as any interested person, may lodge a complaint against the Insurance Broker with the Financial Supervision Commission at the address of The applicant may lodge a complaint with the Insurance Supervisory Company against the Insurance Supervisory Company, at the following address [email protected].

13.1. To register on the Website and create an Account, the User shall perform the following actions on the Website:

13.1.1. The User shall fill in an electronic registration form in which he/she shall provide the necessary data for creating the Profile. The User shall fill in all fields marked as mandatory in the electronic registration form. The User undertakes to provide complete, true and accurate information. The User shall provide a username (email address) and a password, which shall be used for identification and access to the Account. Subject to the User's consent, this may also be done by using the services of third parties for automatic registration and access to Profiles (for example, through the Google Sign-In or Facebook Login services), and in the case of use of either of the latter two options for registration and access to the Profile, it is the User's responsibility to familiarize themselves with the terms of use of these services (Google Sign-In or Facebook Login).

13.1.2. By checking the checkbox, the User declares that he has read these General Terms and Conditions and the Privacy Policy and accepts the General Terms and Conditions in full. In the event that the User uses the services of third parties for automatic registration and access to profiles (for example, the Google Sign-In or Facebook Login services), the User undertakes and declares that he/she has read the privacy policies and terms of use of these services of the respective third party provider.

13.1.3. The User completes the registration process by clicking on the virtual Register button.

13.1.4. The Insurance Broker sends to the email address provided by the User a link through which the User confirms the registration and activates his/her Account on the Website.

13.2. Through the created and activated Account the User can:

13.3. In order to avoid any misuse of the Account and the User's personal data, the latter undertakes not to provide his/her password for access to the Account to third parties, including not to record it and store it on any medium and in any form that would allow third parties to know it.

13.4. In the event of any suspicion of unauthorized access to the User's Account, the User shall immediately notify the Insurance Broker at the following email address: [email protected]. Access to the Account may be suspended.

13.5. The User may close the Personal Profile created on the Website without any fees, compensation, penalties or other amounts by sending a request for deregistration to the following email address: [email protected]. If the creation of an Account was a condition of placing an Electronic Order through the Website, the User may only close the Account if, at the time of sending the deregistration request, there is no insurance contract in force with the Insurance Broker to which the User is a party.

14.1. The Insurance Broker takes care to ensure that the information available on the Website is always kept up to date and is provided in a quality, understandable and accessible manner, but does not guarantee the completeness of the content and does not commit itself to any timescales for updating the information. The Insurance Broker shall endeavour to provide the User with a normal and uninterrupted use of the Website

14.2. The Insurance Broker is not responsible for:

14.3. In order to improve the quality of the services, carry out maintenance, fault rectification and other related activities, the Insurance Broker is entitled to temporarily restrict or suspend access to this Website at any time.

15.1. The User undertakes not to commit malicious acts. By 'malicious acts' is meant all acts or omissions that violate Internet ethics or cause harm to persons connected to the Internet or associated networks, sending unsolicited mail (unsolicited commercial messages, SPAM, JUNK MAIL), overfilling channels (FLOOD), gaining access to resources with someone else's rights and passwords, exploiting flaws in systems for their own benefit or to obtain information (HACK), performing acts, that may qualify as industrial espionage or sabotage, damaging or destroying systems or information arrays (CRACK), sending Trojan horses or causing the installation of viruses or remote control systems, interfering with the normal operation of other users of the Internet and associated networks, committing any acts that may qualify as a crime or administrative offense under Bulgarian law or other applicable law.

15.2. The User undertakes to indemnify the Insurance Broker and all third parties for all damages and loss of profits suffered by them, including for financial penalties paid, attorneys' fees, litigation costs and other expenses, as a result of claims brought by and/or damages paid to third parties in connection with the User's acts/omissions in using the Website in violation of Bulgarian law, applicable foreign laws, these General Terms and Conditions or good morals.

16.1. The intellectual property rights in all elements and resources located on the Website, including, but not limited to, trademarks, logos, informational materials and Website designs, are protected under applicable law, belong to the Insurance Broker or to appropriately designated third parties and may not be used in violation of applicable law.

16.2. The right of access to the Website does not include the right to copy, reproduce, store or transfer information or to make any other unauthorised use of intellectual property objects, unless the information in question is insignificant in volume and intended for private use, provided that the legitimate interests of the authors or other holders of intellectual property rights are not unduly prejudiced and in the event that the copying or reproduction is carried out for non-commercial purposes. Notwithstanding the foregoing, no trademark or other intellectual property right affiliation marks may be removed from its accessible materials, whether the Insurance Broker or a third party is the holder of the relevant rights. Use of any content or other intellectual property published on the Website is permitted for personal, non-commercial purposes only. The use of such content for other purposes may only be made with the express written permission of the Insurance Broker or relevant third party.

17.1 For the matters not covered by these General Terms and Conditions, the legislation in force in the Republic of Bulgaria shall apply, and without prejudice to Article 12 above, any disputes arising between the parties shall be settled by the competent Bulgarian court in the city of Vilnius. Sofia.

17.2. The necessary information concerning the insurer pursuant to Article 324 of the Insurance Code (name, legal-organizational form, registered office and address of the registered office, the procedure for lodging complaints with the insurer, the possibility of lodging complaints with the Financial Supervision Commission and other state bodies, as well as the forms for out-of-court settlement of disputes, etc.) is contained in the Insurance Code (link)

17.3. The Insurance Broker shall have the right to change these General Terms and Conditions at any time and without notice. Any amendment will be announced on the Website and by continuing to use the Website after the changes have been announced, the User shall be deemed to be notified and bound by the same.

17.4 The Website may contain links to other websites administered by persons other than the Insurance Broker. TRUST.BG Ltd. shall not be liable for the information contained in these websites, nor for any damages arising from their content and/or functionalities, including those related to unlawful processing of personal data of users. The existence of links to other websites does not imply that the Insurance Broker is responsible or liable for the content of the same.