The owner of this website is MUTUALIDAD GENERAL DE LA ABOGACÍA, MUTUALIDAD DE PREVISIÓN SOCIAL A PRIMA FIJA (hereinafter “Mutualidad”), with registered office at calle Serrano, nº 5, 28001, Madrid and tax identification number V-28024149, registered in the Mercantile Register of Madrid, sheet no. 478 and authorised to carry out insurance activity by the Directorate General of Insurance and Pension Funds, registered in the Public Register of Insurance Entities under code P-2131.
1. General conditions of use
2. Conditions applicable to online contracting
Through this web page, you can request the contracting of various insurance contracts from among those offered by Mutualidad de la Abogacía, make extraordinary contributions to the products already contracted, as well as request the extension or modification of coverage.
In order to request the contracting of the same, the user must truthfully fill in the data necessary for its formalisation, as well as attach the required documentation. During the contracting process, you will be informed of the steps to follow for its correct execution, as well as for the correction of errors during data entry.
If all the information required as essential is not provided or if it proves to be untrue, the contract application may not be processed or, if it is noticed after the conclusion of the contract, Mutualidad may terminate the contract in the cases and within the periods established by law. Termination shall result in the return of the premium paid to the policyholder, without this entitling Mutualidad to pay any amount of interest or any other type of consideration.
In order for the user to be aware of the exact scope of the insurance contract, the prior information note containing the main characteristics of the product shall be made available to the user in electronic format, so that it can be stored and reproduced. The user must expressly accept by ticking a box that he/she has read and understood the stipulations contained therein, this acceptance being necessary for the valid application and subsequent contracting of the product.
The user shall also have access to clear and accurate information on the costs associated with the transaction, the risks, the duration of the contract, the existence of a right of redemption or possible penalties and the payment modalities, as well as the modalities of receiving the benefit. The language in which the prior information and contractual conditions shall be presented, as well as the language in which the services derived from the contract shall be performed, shall be Spanish.
You can consult the general conditions applicable to the contract in the personal area by viewing the corresponding Contributions and Benefits Regulations. Once the contract has been concluded, both the specific conditions (Title) and the general conditions applicable to the contract (Contributions and Benefits Regulations) will be sent to you by durable electronic means. If you wish to obtain a duplicate of your special conditions, you can request it directly from your personal area.
We inform you that, if you have acquired the status of member and policyholder through an online contracting process, any communication relating to your insurance contract will be sent to you by default by durable electronic means. Notwithstanding the foregoing, at any time, you may request, through your personal area or any other authorised means of contact, that this type of communication be sent to you on paper.
In addition, you are entitled to obtain a paper copy of the contractual conditions at any time, for which you may contact Mutualidad by email to firstname.lastname@example.org by post at calle Serrano, 5, 28001 Madrid, or by calling +34 914 352 486.
You can identify and correct errors or inaccuracies in the entry of your personal data through the personal area or by sending an email to email@example.com at the postal address and telephone number indicated above.
Finally, we inform you that you may exercise your right of withdrawal, without stating reasons and without penalty, within 30 days from the date of receipt of the confirmation of the conclusion of the contract.
3. Intellectual and industrial property
© 2023, MUTUALIDAD ABOGACÍA, All rights reserved.
All the contents of this website (texts, photographs, graphics, images, technology, software, links, audiovisual content, graphic design, source code, etc.), as well as the brands and other distinctive signs, are the property of Mutualidad or third parties, and the user does not acquire any rights over them by the mere use of the same.
Any use of this website that is intended to or results in damage to the property, rights or interests of Mutualidad, its members, suppliers or third parties is prohibited. It is also forbidden to make any use of the same that alters, damages or renders useless the networks, servers, equipment, products and computer programmes of Mutualidad, its members, suppliers or third parties.
The user must refrain from: a) reproducing, copying, distributing, making available to third parties, publicly communicating, transforming or modifying the contents of this website, except in the cases contemplated by law or expressly authorised by Mutualidad or by the holder of said rights; b) reproducing or copying for private use the software or databases on this website, as well as publicly communicating them or making them available to third parties when this involves their reproduction; c) extracting or reusing all or a substantial part of the contents of this website. In any case, the use or reproduction of content or databases that is expressly authorised by Mutualidad is exempt from the above.
Users who wish to introduce links to this website must comply with the following conditions: a) frames of any kind may not be established that surround the website or allow it to be viewed through different Internet addresses or jointly with content outside this page, in a way that produces, or may produce, error or confusion in users about the origin of the service or its content, implies an act of unfair comparison or imitation, serves to take advantage of the reputation, brand and prestige of Mutualidad or its clients or is done in any other way that is prohibited by law; b) no false or inaccurate statement of any kind may be made from the page that makes the link about Mutualidad, about the quality of its services or about its suppliers, employees or clients; c) The sender may not use the trademark or any other distinctive sign of Mutualidad, except in cases authorised by law or expressly permitted by Mutualidad; d) the page that establishes the link must comply with current legislation and may not provide or link to content that is unlawful, harmful, contrary to morals and good customs, or which produces or may produce the false idea that Mutualidad endorses or supports the ideas, statements or actions of the sender, or which are inappropriate in relation to the activity carried out by Mutualidad and its clients, taking into account the content and general subject matter of the website where the link is established.
Mutualidad reserves the right to modify, update or delete any of the contents of this website at any time and without prior notice.
4. Limitation of liability
Mutualidad reserves the right to interrupt access to its website, as well as the provision of any service through the same at any time and without prior notice, whether for technical, security, maintenance or any other reason.
Mutualidad shall not be liable in the event of service interruptions, delays or malfunctions and other inconveniences arising from causes beyond the control of Mutualidad and/or due to the wilful or culpable action of the user and/or arising from force majeure.
The information contained in this website may not be correct, despite our best efforts to ensure that it is accurate and up to date. Consequently, Mutualidad accepts no liability for the errors contained therein, nor for any damages arising from their use.
This website may contain links to other websites for whose content, usefulness or accuracy Mutualidad cannot be held responsible. The inclusion of a link on this website cannot be considered as a recommendation to users to use it, the decision to use it is the responsibility of the user. Mutualidad has no knowledge of the contents and services of the links and therefore accepts no liability for damages arising from their lack of quality, outdatedness, unavailability, error, uselessness or illegality and is not responsible for the statements made or the contents or services provided through them. If any user becomes aware that the links refer to pages whose contents or services are illicit, harmful, denigrating, violent or immoral, s/he may contact Mutualidad indicating this.
Mutualidad accepts no liability for any damages arising from the use of this website or its contents, and does not guarantee the absence of viruses or the impossibility of causing damage to the user’s computer systems.
Mutualidad is not responsible for any misuse that may be made of this website.
5. Data protection
6. Applicable law and dispute resolution
The conditions of use of the website and the relationship between the user and Mutualidad shall be governed by Spanish law and subject to the Courts and Tribunals of Madrid.
6.2 Contributions and benefits regulations
6.2.1 Information to the member
For any clarification, incident or query regarding the rights and interests legally recognised in the Contributions and Benefits Regulations, queries or requests for information can be made to Mutualidad’s Member Information Service, by contacting Mutualidad at calle Serrano, 5, 28001 Madrid, or by sending an e-mail to the following address firstname.lastname@example.org.
6.2.2 Settlement of complaints and claims by Mutualidad General de la Abogacía
In the event that the Policyholder, the Insured or the Beneficiary has a complaint or claim that refers to their legally recognised interests and rights, whether they derive from this contract, from the regulations on transparency and customer protection or from good financial practices and uses, that is based on agreements on benefits adopted – with the exception of those that take into account pre-existing pathologies or that present inheritance conflicts – shall be dealt with by the Department of Claims and Care for Policy Holders and Insured Persons, who shall acknowledge receipt of the same and give a reasoned decision within a period of one month. Communications should be sent in writing to calle Serrano 5, 28001 Madrid, to the following e-mail address email@example.com or via the website www.mutualidad.com.
6.2.3 Ombudsman for Members and Insured Persons
Claims or complaints related to the aforementioned interests and rights, as long as they do not derive from benefit agreements adopted, except for those based on agreements that take into account pre-existing pathologies or that present inheritance conflicts, will be dealt with by the Policy Holders and Insured Persons Ombudsman, who must acknowledge receipt of the same and resolve them through reasoned decision within a period of one month. Communications should be sent in writing to calle Serrano 5, 28001 Madrid, to the following e-mail address firstname.lastname@example.org or via the website www.mutualidad.com.
6.2.4 Administrative protection
In the event of silence or rejection of the claim within the aforementioned period, a complaint or claim may be lodged with the Complaints Service of the Directorate General for Insurance and Pension Funds, via the following website www.sededgsfp.gob.es or in writing to the postal address Paseo de la Castellana, 44, with proof of having previously submitted them in writing to the Department of Claims and Care for Policyholders and Insured Persons or to the Ombudsman for Policyholders and Insured Persons.
The resolution of the disputes that may arise between the insured persons and Mutualidad regarding the contingencies, conditions and requirements of coverage and guaranteed benefits, may be submitted to arbitration in accordance with the provisions of Law 60/2003, of 23rd December on Arbitration, for which purpose the corresponding arbitration agreement will be included in the Particular Conditions in accordance with the provisions of Title II of the Law. The administration of the arbitration and the appointment of arbitrators shall be entrusted to the Sección Española de la Asociación Internacional de Derecho de Seguros (S.E.A.I.D.A.), with headquarters in Madrid, calle Sagasta, number 18.
Likewise, they may submit their differences to a mediator under the terms provided for in Law 5/2012, of 6 July, on Mediation in Civil and Commercial Matters.
6.2.7 Civil jurisdiction
Without prejudice to the above, the insured person may bring any action he considers appropriate before the ordinary civil jurisdiction of his domicile. In this case, the limitation period for actions is 5 years.
Last update: June 2022