1.General Provisions
These Terms and Conditions govern the use of visitgeorgia.online.
The Site is operated by Legal Residency Group, TIN 322776055 (hereinafter referred to as the "Site Operator").
The Site Operator is not an insurance company, insurer, or a person making decisions on insurance claims. The Site Operator provides information support, consulting, and assistance in selecting and arranging insurance products of partner insurance companies.
By using the site, submitting data through feedback forms, messengers, email, or other communication channels, the user confirms their agreement with these Terms.
2.Information on the Site
Information posted on the site is for informational purposes only and does not constitute a public offer, insurance policy, insurance contract, or guarantee of insurance coverage.
Final insurance terms are determined by the respective insurance company and are set out in the insurance policy and insurance rules.
Information posted on the Site is of a reference and informational nature and may be presented in a generalized form.
In case of discrepancies between information published on the Site and the terms of the insurance policy or the insurance rules of the respective insurance company, the terms of the insurance policy and insurance rules shall prevail.
3.Insurance Policy Processing
The user may submit to the Site Operator the data necessary for selecting and arranging an insurance policy.
Submission of data via the site, online chat, WhatsApp, Telegram, email, or other communication channels is considered the user's instruction to use the provided data for arranging an insurance product.
The user is responsible for the completeness, accuracy, and correctness of the provided data.
The Site Operator is not responsible for consequences of errors, inaccuracies, typos, or incomplete data provided by the user.
The user is obliged to verify the accuracy of the data contained in the insurance policy upon receipt and promptly report any identified errors.
The user confirms having legal grounds for providing personal data of third parties if such data is transmitted to the Site Operator for arranging an insurance product on behalf of those persons. The user is responsible for obtaining the necessary consents and permissions for transmitting such data to the Site Operator.
4.Insurance Terms
The user confirms that prior to arranging the insurance policy, they have familiarized themselves or had the opportunity to familiarize themselves with the insurance terms, coverage list, exclusions, limitations, policy validity period, procedure for seeking medical assistance, procedure for settling insurance claims, and other conditions of the insurance product. Continuing to arrange the policy and/or paying for the insurance policy constitutes confirmation of such familiarization.
Consultations provided by Site Operator staff are informational in nature and do not constitute a guarantee of insurance coverage, insurance payment, or recognition of an event as an insurance claim.
In case of a discrepancy between a consultation by a Site Operator employee and the terms of the insurance policy, the terms of the insurance policy and the insurance rules of the respective insurance company shall apply.
5.Liability
The Site Operator is not liable for:
- any actions, omissions, and decisions of insurance companies, including recognition or non-recognition of an event as an insurance claim, the amount of insurance compensation, refusal of insurance payment, timelines and procedure for settling insurance claims;
- consequences of the user providing inaccurate, incomplete, or erroneous data;
- losses arising from the user's violation of insurance terms;
- temporary unavailability of the site, technical failures, communication errors, actions of third parties, and other circumstances beyond the control of the Site Operator;
- circumstances under which insurance coverage is limited or excluded by the insurance terms.
The Site Operator acts exclusively as an agent (intermediary) between the user and the respective insurance company and is not a party to the insurance contract, unless expressly stated otherwise in a specific product.
All decisions regarding insurance coverage, recognition of events as insurance claims, insurance payments, application of limitations and exclusions are made exclusively by the insurance company in accordance with the insurance policy terms and insurance rules.
The Site Operator does not guarantee recognition of an event as an insurance claim, receipt of insurance compensation, the amount of insurance payment, or any specific decision by the insurance company.
6.Electronic Interaction
Clicking the "Submit", "Arrange", "Get Policy", "Pay" buttons or performing other similar actions on the site confirms the user's agreement with these Terms.
Electronic correspondence, messages, applications, files, documents, and other digital records may be used as confirmation of the fact of the user's request, the content of the provided data, actions taken, and agreements reached.
7.Payment and Refunds
Refunds are processed in accordance with the Refund Policy posted on the Site, the terms of the respective insurance company, the terms of the purchased insurance product, and applicable law.
In cases where an insurance policy was issued based on data provided by the user, claims related to the user's change of decision after policy issuance are handled in accordance with the insurance company's rules.
Issuance of an insurance policy, its delivery to the user, or providing the user with the opportunity to receive the insurance policy is considered due fulfillment of the Site Operator's obligations regarding its arrangement.
8.Review of Appeals and Claims
The user may contact the Site Operator regarding matters related to the use of the Site, arrangement of insurance products, payment, or refunds.
Prior to contacting a bank, payment system, government authorities, or court, the user undertakes to submit a written appeal to the Site Operator and provide the Site Operator with a reasonable time period to review the appeal and resolve the dispute.
The Site Operator reviews user appeals within a reasonable time, taking into account the nature of the appeal and the scope of the required review.
9.Confidentiality
Personal data processing is carried out in accordance with the Privacy Policy posted on the site.
See Privacy Policy Privacy Policy.
10.Intellectual Property
All site materials, including texts, articles, service descriptions, terms and conditions, privacy policy, refund policy, images, design elements, logos, and other objects posted on the Site, are protected by intellectual property legislation.
Use, copying, distribution, publication, modification, or reproduction of site materials in whole or in part without the prior written consent of the Site Operator is prohibited.
11.Prohibited Actions
The user is prohibited from:
- using the site in violation of the law;
- providing knowingly false information;
- taking actions that could disrupt the operation of the site;
- using site materials without the permission of the copyright holder.
12.Amendments to the Terms
The Site Operator reserves the right to make changes to these Terms at any time.
The new version takes effect from the moment of publication on the site, unless otherwise provided by the new version.
13.Contacts
For questions related to the use of the site, the user may contact: