1. Parties and Ownership of the Website
The website www.italiafideiussioni.it (hereinafter referred to as the «Website») is owned by Fideiussioni Assicurative S.r.l.s. – Sole Shareholder. The Website is also used, for its insurance distribution activities, by:
BrokerSubito S.r.l.s. – Simplified Limited Liability Company
Registered and operational office: Via Pier Capponi n. 87, 50132 Florence (FI), Italy
VAT Number and Tax Code: 07054810481 – Florence Companies Register No. 07054810481 – REA: FI – 676376
Phone: +39 055 49.32.199 – Certified E-mail (PEC): brokersubito@pec.it – E-mail: info@italiafideiussioni.it
Insurance intermediary (broker) registered in the Italian Register of Insurance and Reinsurance Intermediaries (RUI) – Section B, No. B000674688 since January 22, 2021. The intermediary is subject to the supervision of the Italian Insurance Supervisory Authority (IVASS).
Person responsible for the brokerage activity: Francesco Carovani, registered in the RUI – Section B, No. B000131685 since January 9, 2007.
These Terms and Conditions govern the activities of BrokerSubito S.r.l.s. For the activities carried out by Fideiussioni Assicurative S.r.l.s., please refer to the specific Terms and Conditions available on the Website.
2. Purpose and Function of the Website
The Website supports the insurance distribution activities carried out by BrokerSubito S.r.l.s., acting as an insurance intermediary (broker) registered in Section B of the RUI. The broker acts on behalf of the client and does not have powers of representation of insurance companies, pursuant to Article 106 and Article 109, paragraph 2, of Legislative Decree No. 209/2005 (Italian Private Insurance Code), and Article 2, paragraph 1, letter q) of IVASS Regulation No. 40 of August 2, 2018.
Through the Website, users may request information and quotations, submit documents, and receive pre-contractual and contractual documentation. Requests for quotations are free of charge and non-binding.
3. The Website Does Not Allow Online Conclusion of Contracts – Distance Distribution via E-mail
This Website does not allow users to conclude insurance or surety contracts directly online. No purchasing or payment procedure is available on the Website that would enable users to independently enter into a contract.
Any contract may be concluded remotely through the communication channels indicated by the intermediary, in particular by e-mail and/or Certified E-mail (PEC), in compliance with the regulations governing the distance marketing of financial services to consumers (Section II-bis of the Italian Consumer Code, Articles 59-bis and following).
In any case, the conclusion of the contract is subject to verification of the documentation provided, risk assessment, and acceptance by the insurance company or the intermediary, according to their respective responsibilities.
4. Pre-contractual Information
Before the conclusion of the contract, and on a durable medium (e-mail, PEC or any other medium permitted by law), the customer shall receive, where applicable:
- the Single Pre-contractual Information Form (MUP);
- the Information Set, the Insurance Product Information Document (IPID/DIP) and the Additional Insurance Product Information Document;
- the Insurance Terms and Conditions;
- the Privacy Notice;
- these «Terms and Conditions of the Service».
5. Signature of Documents
Documents may be signed by means of handwritten signature, electronic signature, One-Time Password (OTP), or any other method permitted by applicable law.
6. Payments
Payment of premiums or fees may be made by bank transfer, credit card, or any other payment instrument permitted by law. The applicable payment methods shall be communicated to the customer before the conclusion of the contract.
7. Right of Withdrawal (Distance Contracts Concluded with Consumers)
For contracts concluded at a distance, the consumer – meaning a natural person acting for purposes unrelated to his or her business, trade or profession – has the right to withdraw from the contract within 14 calendar days from the date of conclusion of the contract, or, if later, from the date on which the consumer receives the contractual terms and related information. The withdrawal may be exercised without penalty and without giving any reason. The withdrawal period is extended to 30 days for life insurance contracts and individual supplementary pension schemes.
The right of withdrawal may be exercised by written notice sent by PEC to brokersubito@pec.it, or by registered mail with return receipt to the company’s operational office, indicating the intention to withdraw and the details of the contract or policy.
In the event of timely withdrawal, the consumer shall be reimbursed for the unused portion of the premium. However, the insurance company shall retain the right to keep the portion of the premium corresponding to the period during which the contract was in force, in accordance with the Insurance Terms and Conditions.
Statutory exclusions. The right of withdrawal does not apply in the cases provided for by applicable law, including in particular:
- travel and baggage insurance policies, or similar short-term insurance policies with a duration of less than one month;
- contracts fully performed by both parties at the express request of the consumer before the exercise of the withdrawal right;
- financial services whose price depends on fluctuations in financial markets beyond the control of the intermediary;
- the cases provided for by Article 167-bis of the Italian Private Insurance Code, for example when the policyholder requests payment of an indemnity or when an insured event occurs under a compulsory insurance policy before the withdrawal period expires.
The procedures and deadlines for exercising the right of withdrawal, as well as the relevant exclusions, are specified in the contractual documentation of each insurance product. Reference legislation: Articles 59-bis and following of the Italian Consumer Code; Article 167-bis of the Italian Private Insurance Code.
8. Recording of Telephone Communications
For organizational purposes, service quality assurance, protection of the parties involved, and compliance with applicable legal and regulatory obligations, telephone communications made or received by the intermediary may be recorded and stored in accordance with the applicable data protection laws. Users shall be informed in advance that the communication may be recorded.
9. Processing of Personal Data
Personal data are processed in compliance with Regulation (EU) 2016/679 (General Data Protection Regulation – GDPR) and the applicable Italian legislation on personal data protection. The complete Privacy Notice is available in the dedicated section of the Website.
10. Intellectual Property
All contents available on the Website, including but not limited to texts, images, trademarks, logos, photographs, documents and graphics, are protected by copyright laws and industrial property regulations. Any reproduction, distribution, publication or use of such contents without prior written authorization is strictly prohibited.
11. Limitation of Liability
The information contained on the Website is provided with the utmost care and attention. However, BrokerSubito S.r.l.s. does not guarantee that the Website is free from material errors, omissions, interruptions of service, inaccuracies or technical malfunctions. Except as otherwise provided by applicable law, BrokerSubito S.r.l.s. shall not be liable for any direct or indirect damages arising from the use of the Website.
12. Amendments to these Terms and Conditions
BrokerSubito S.r.l.s. reserves the right to amend these Terms and Conditions at any time. Any amendments shall become effective from the date of their publication on the Website. Users are therefore encouraged to periodically review the most recent version of these Terms and Conditions.
13. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with Italian law. Any dispute arising out of or in connection with these Terms and Conditions shall be subject to the jurisdiction provided for by the applicable laws and regulations. Where applicable, consumers shall benefit from the jurisdiction of the court of their place of residence or domicile, in accordance with the provisions of the Italian Consumer Code.