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The terms "Website" and "Site" refer to this web site as published by Europ Assistance - IHS Services, société par actions simplifiée (simplified company with shares) with capital of €2,448,955, registered with the Paris Trade Registry under no. 451 348 072 R.C.S., with registered office at 7, boulevardHaussmann  - 75309 Paris cedex 09 - France, and/or the entities directly or indirectly controlled by the aforementioned (hereinafter collectively referred to as "Europ Assistance - IHS Services") in addition to all the information and material included in the Website. Some Website sections or pages set out separate and/or additional general terms and conditions, which complete these General Terms and Conditions. In the event of any conflict, the separate and/or additional general terms and conditions shall prevail over the General Terms and Conditions as far as these sections or pages are concerned. This Site also includes links to other third party websites. Links to this Site may also be included in third party websites. Europ Assistance - IHS Services shall not be liable in any way whatsoever for the information or material found on a website linked to this Site. By creating a link to a third party website or by allowing a third party to include a link to this Website, Europ Assistance - IHS Services does not approve or recommend any product or service offered on the third party's website. Europ Assistance - IHS Services expresses no implicit or explicit appreciation as to the accuracy and/or quality of the information which may be found, directly or indirectly, on any third party website or as far as the reliability or worthiness of this third party. The content of this Website is subject to amendments. Some of the products and services are not available in all geographical areas. Subscription to a product or service may be subject to the approval of Europ Assistance - IHS Services or its subsidiary or related entity concerned. The persons who access, visit or use this Website must ensure that the law of their own country authorizes them to access the information or must refrain from accessing, visiting and/or using the Website.



Offers are only made and may only be taken into consideration if they are legal and authorized under the applicable law. Furthermore, service offers are restricted to the countries or jurisdictions which are explicitly mentioned on the Website and may not be taken into consideration by persons visiting, accessing or using the Website from another country or jurisdiction. The information and material included in this Website are not intended to provide advice or recommendations. Europ Assistance - IHS Services makes every effort to verify and update the information and material on this Website on a regular basis and assess the credibility and trustworthiness of their sources. As a result, the information and material displayed in this Website is subject to modification. That notwithstanding, Europ Assistance - IHS Services cannot guarantee in any way whatsoever that the information and material included or referred to in this Website is accurate, relevant, complete, up-to-date or appropriate and does not provide any guarantees with regard to the credibility or trustworthiness of its sources.



The information and material contained in this Website is protected by intellectual property rights, held or claimed by Europ Assistance - IHS Services or used with the authorization of the holders. This information and material may be consulted and printed solely for your strictly personal use, provided that you do not delete any intellectual property right or other legal notice which they contain. It is strictly forbidden to reproduce the content available in the website in another work, or use it commercially or publicly. You indicate your agreement not to transmit, reproduce or sell this information and material in any form or manner whatsoever without the explicit, written and prior approval of Europ Assistance - IHS Services. It is also strictly forbidden to create a link to this Site without the express and written authorization of Europ Assistance - IHS Services. Given that the intellectual property code only authorizes, in article L. 122- 5. 2° and 3°a, on the one hand, "copies or reproductions strictly reserved for the private use of the person copying and not intended for group use" and, on the other hand, analyses and short quotations to provide an example and illustration, "any complete or partial representation or reproduction made without the consent of the author or its rightful owners or legal successors is illegal" (art. L. 122-4). Such representation or reproduction, by any process whatsoever would constitute an infringement punishable under articles L. 335-2 and those following of the intellectual property code.



Unless otherwise specified, all trademarks used in this Website are the property of Europ Assistance - IHS Services or its partners.



Europ Assistance - IHS Services is responsible for processing all personal details collected via this Website, the references of which are given in the notes under the data input areas. As a visitor or user of the Website, you hereby agree to allow Europ Assistance - IHS Services to record and use your personal details for the following purposes: managing the clientele of Europ Assistance - IHS Services, including the customers it may have, managing contractual relationships, preventing irregularities, creating statistics and tests, sales canvassing or direct marketing for products and services promoted by Europ Assistance - IHS Services. Within Europ Assistance - IHS Services, use of your personal details gathered via this Website is restricted to those having access to this data as part of their duties. You are entitled to request, in writing or via the Website and free of charge, that Europ Assistance - IHSServices and its linked entities cease using your personal details collected via this Website for direct marketing purposes. You are entitled to access your personal details and request their rectification if they are inaccurate or irrelevant. In order to exercise this right, either use the Website tools provided for the purpose or send a dated, signed request to Europ Assistance - IHS Services to the aforementioned address.



In accordance with the applicable regulations, Europ Assistance - IHS Services is the producer and owner of all or part of the databases comprising this Website. By accessing this Website, you acknowledge that the data they contain are legally protected, and that you are forbidden from extracting, reusing, storing, reproducing, copying or keeping, directly or indirectly, on any type of medium whatsoever, by any means and in any form whatsoever all, or a qualitatively or quantitatively substantial part, of the content of the databases appearing on the Website in addition to the repeated and systematic extracting or reusing of qualitatively and quantitatively unsubstantial parts when these operations clearly exceed the normal terms and conditions of use.



Europ Assistance - IHS Services is only bound to act with due diligence concerning the information made available on the Website. All the information is provided for general information only and is intended to complete users’ knowledge. The information relating to health matters in particular shall under no circumstances replace personal advice provided by a doctor. Europ Assistance - IHS Services shall not be held liable for the interpretation of the information included in the Website, nor the consequences of its use. Europ Assistance - IHS Services, its administrators, employees and its agents or correspondents shall under no circumstances be held liable, on any grounds whatsoever, contractual or otherwise, for any direct or indirect harm you may suffer after accessing, visiting or using this Website, barring cases of fraud or serious misconduct on their part. Europ Assistance - IHS Services shall not be held liable for the consequences of errors, omissions or for the results or decisions which might be obtained or made by the use of the information included in the Website. Users are solely liable for the use they make of the information provided herein.



These General Terms and Conditions are governed by French law. Any disputes arising in connection with the aforementioned General Terms and Conditions shall be referred to the courts of Paris, without prejudice to Europ Assistance - IHS Services’ right to choose another court having jurisdiction, if need be, under the applicable law.



Should any of the provisions in these General Terms and Conditions be deemed unenforceable, the remaining provisions shall be unaltered and the unenforceable provision shall be replaced by an enforceable provision best matching the underlying purpose of the unenforceable provision. This agreement shall be subject to any other agreement you have entered into or may enter into with Europ Assistance - IHS Services or any of its related entities. Europ Assistance - IHS Services may amend these General Terms and Conditions at any time, with immediate effect and without prior warning.