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Our complete guide to understanding the importance of international health insurance

Our ultimate guide to insurance at the 1st euro: how it works, the advantages and the possible choices

Our complete guide to the CFE: how it works, the offers and the alternatives

Legal Notice

Publisher of the website

This website (“expat-assurance.com”) is published by Expat International Care, a simplified single-member joint-stock company with a capital of 70,000 euros, registered with the Nantes Trade and Companies Register under number 951 755 917, with its registered office located at 2 rue Jacques Brel, 44800 Saint-Herblain.

Expat International Care is subject to VAT, and its individual identification number is FR13951755917.

Expat International Care can be contacted by email at info@expat-assurance.com or by phone at +33 1 76 44 00 69.

The director of the publication of the website is Mr. Benoît Larrouquis.

Hosting

The website is hosted by SiteGround Spain, a sole proprietorship with a share capital of 3,000 euros, registered with the Madrid Trade and Companies Register in Spain under the number DUNS 466147987, CIF number: B-87194171, with its registered office at SiteGround S.L. Calle Prim 19, 28004 Madrid, Spain.

VAT Number: ESB87194171

Phone : 919014115, Email : sales@siteground.es

Terms and Conditions of Use
  EXPAT ASSURANCE

Effective Date: July 2023

These terms and conditions of use (hereinafter “T&C”) aim to define the conditions and modalities under which users, such as prospects or clients (hereinafter “User” or “Users”), access the content and use the website accessible at the address (hereinafter the “Website”) edited by the company Expat International Care, a simplified single-member joint-stock company with a capital of 70,000 euros, registered with the Nantes Trade and Companies Register under number 951 755 917, with its registered office located at 2 rue Jacques Brel, 44800 Saint-Herblain (hereinafter the “Company”).

1. General Warning

The T&C are binding on any User of the Website, who accepts them and undertakes to comply with them, according to the terms and conditions set forth below. In the absence of acceptance by the User, the latter undertakes not to access or use the Website, with the use of the Website constituting acceptance.

The T&C govern the use of the Website without prejudice to other contractual conditions applicable to the User.

2. Content of the T&C

The T&C are published by the Company.

The Company reserves the right, at any time, to modify and/or update the content of the T&C without notice and at its sole discretion. These modifications and updates will take effect on their date of publication on the Website. The User is invited to regularly consult the Website to be informed of these modifications and updates.

3. Purpose of the Website

The purpose of the Website is :

  • Online health insurance comparison for French expatriates abroad;
  • Connecting a User with the Company or with an insurance company to subscribe to an online insurance contract.

4. Access to the Website

The Website is accessible at all times to Users. However, an interruption for technical maintenance may be decided by the Company, which will endeavor to communicate the dates and times of the intervention to Users in advance.

The Company reserves the right to modify, suspend, or cancel any content, part, or functionality of the Website at any time, to impose limits on certain features and/or to restrict access to the Website, in whole or in part, without notice and at its sole discretion.

The Company strives to ensure the accuracy of the information provided on the Website. The Website is regularly updated by the Company. However, the Company cannot be held responsible for inaccuracies and deficiencies in the update of information, whether caused by itself or by partners providing such information. It is clarified that the information on the Website is provided for informational purposes only and has no contractual value.

5. Equipment

It is the User’s responsibility to ensure that their computer equipment (such as PC, tablet, mobile phone, associated software) and the internet connection they use are suitable for optimal and secure use of the Website.

The costs generated by connecting to the Website and browsing the Website are the exclusive responsibility of the User.

6. Intellectual Property

The Website and its content, including but not limited to: images, photographs, drawings, logos, trademarks, texts, pictograms, icons, structure, sounds, videos, software (architecture, interface, codes), databases, are protected by intellectual property rights (including copyright, neighboring rights, trademark rights, database producer rights).

Access and use to the Website do not grant the User any right or title to the Website and its content, especially no license right.

In accordance with Article L.122-4 of the Intellectual Property Code, any reproduction, representation, distribution, decompilation, extraction, downloading, copying, in whole or in part, of the Website and its content without the prior written authorization of the Company is unlawful and may constitute an infringement punishable by Articles L. 335-2 and following of the Intellectual Property Code.

7. Hyperlinks

The Website may contain hyperlinks redirecting to websites operated by third-party partners. These links are provided for informational purposes only. The decision to activate these links is the full responsibility of the User. The Company has no control over these sites and disclaims any responsibility for access, content, or use of these sites, as well as for damages that may result from consulting information on these sites.

8. Personal Data

When accessing the Website and using the services offered by the Website, the User may be asked to provide personal data, such as, but not limited to: name, first name, age, marital status, email address, phone number, residence (expatriation), or nationality.

The User is solely responsible for the relevance and accuracy of the personal data provided to the Company via the Website.

The conditions and modalities for the processing of this data comply with the applicable legal framework, particularly with Regulation (EU) No 2016/679 of April 27, 2016, on the protection of personal data (hereinafter “GDPR”) and French Law No 78-17 of January 6, 1978, relating to data processing, files, and freedoms.

To know more precisely the conditions and modalities of the processing of its data, as well as the rights it benefits from, the User is invited to consult the Privacy Policy. For more information on the use of cookies on the Website, the User can consult the Cookie Policy.

9. Interface Sites

From the Website, the User is informed that they can access third-party sites (“Interface Sites”).

These Interface Sites are displayed on the Website via an application programming interface or any other means of interfacing.

The Company disclaims all liability for the access and/or use by the User of the Interface Sites and/or their contents (“Linked Content”), and for direct or indirect damages that may result.

The Company reserves the right to delete all or part of the Linked Content appearing on the Website for any reason.

The Company does not edit, host, or store any Linked Content, including the content that the User may have transmitted to the Interface Site.

The conditions and modalities of use of the Linked Content are defined by the Interface Site. The User is invited to refer to them.

10. Responsibilities

The User is responsible for :

  • The use they make of the Website;
  • Any breach of the letter and spirit of these T&C;
  • The protection of their equipment and data;
  • Deploying reasonable precautions and prudence in identifying risks related to their navigation on the Site, especially by verifying the hyperlinks they follow and refraining from connecting to an unverified domain or responding to potentially malicious emails.

To the extent permitted by applicable law and regulations, the Company disclaims all liability for losses, costs, or damages (direct or indirect) suffered by the User due to the use of the Website.

The Company takes reasonable measures to ensure the security of the Website. However, as internet navigation cannot be entirely secure, as acknowledged by the User, the Company excludes any explicit or implicit warranty regarding the security of the Website.

The Website is provided as is; the use of the Website is at the User’s own risk. The Company excludes any implicit or explicit warranty, including but not limited to any warranty regarding the merchantability of the Website, its suitability for a particular use, its accessibility, availability, ergonomics, performance, and content. In particular, the Company does not guarantee that the Website is free from errors, infringement of third-party rights, viruses, or other bugs, nor that the content of the Website is accurate and up-to-date.

Notwithstanding the above, the Company takes reasonable measures to ensure the security of the Website. However, the User acknowledges that the internet is not a completely secure medium. Therefore, the User acknowledges and accepts that the Company cannot guarantee that the information or content published or communicated via the Website is entirely protected against any unauthorized use or access.

11. Control of Website Use

The Company may exercise any control over the use of the Website and reserves the right to suspend access to the Website for any User who makes abusive use of it, without prejudice to the Company’s right to seek compensation for the damage suffered.

In this regard, the following are considered abusive uses of the Website:

  • Using the Website in violation of these T&C or the Privacy and Cookie Policy;
  • Using the Website in violation of applicable legislative and/or regulatory provisions;
  • Using the Website for malicious, illegal, or contrary to public order purposes;
  • Causing disturbances through the use of the Website or compromising or deteriorating its operation;
  • Using the Website to create, host, or transmit defamatory content or content contrary to public order or morality;
  • Using the Website to create, host, or transmit defamatory, threatening, or inciting to physical violence or destruction of property content, or content that would constitute a criminal offense and/or engage the User’s civil liability;
  • Using the Website to create, host, or transmit content that infringes the copyright, trademark, patent, or any other intellectual property right of the Company or a third party;
  • Adding, deleting, or modifying information, especially with the aim of deceiving or misleading third parties;
  • Using the Website to access, or attempt to access, the accounts of others, or to infiltrate, or attempt to infiltrate security measures, computer software, computers, electronic communication systems, or telecommunications of the Company or third parties;
  • Using the Website to collect, or attempt to collect, personal information about third parties without their knowledge or consent, or engaging in screen scraping, database extraction, or any other activity aimed at obtaining lists of Users or any other information;
  • Using the Website for any activity that may harm the ability of other individuals or systems to use the services offered by the Site, or networks in general, including but not limited to flooding and hacking;
  • Using the Website to publicly disclose personal data outside of any lawful processing basis;
  • Violating the terms of use associated with an Interface Website as provided in these T&C.

12. Miscellaneous

The Company’s failure to invoke, apply, or exercise all or part of the provisions of these T&C does not constitute a waiver on its part to invoke, apply, or exercise these provisions.

If any provision of these T&C is declared null or unenforceable due to a court decision, law, or applicable regulation, it will be deemed unwritten and will not result in the cancellation of the other provisions.

The Company reserves the right to assign or transfer to any third party of its choice all or part of its rights or obligations arising from these T&C.

13. Applicable Law

These T&C are subject to French law.

14. Competent Jurisdiction

In the event of a dispute between the Company and the User regarding these T&C and/or arising from access, operation, or use of the Website that could not be amicably resolved within a reasonable period, the courts of Paris shall have exclusive jurisdiction to hear the dispute.

15. Final Provisions

Autonomy of provisions – If any provision, in whole or in part, of these T&C is or becomes invalid, illegal, or unenforceable, it must be modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not possible, the entire or partial provision concerned must be deleted. Any modification or total or partial deletion of a provision under this clause does not affect the validity and enforceability of the rest of these T&C.

Force majeure – The obligations of the Company are temporarily or permanently suspended in the event of force majeure as defined in Article 1218 of the French Civil Code and by French jurisprudence. Expressly, force majeure includes, in addition to those usually recognized by French courts, any event of an economic, political, or other nature that the Company and the User could not reasonably foresee at the time of accepting the T&C and beyond their control due to its external, unforeseeable, and irresistible nature, such as the failure of the Site, blockages, or difficulties concerning computer hardware, computer software, the internet network, leading to total or partial paralysis or suspension of access and/or operation of the Website.

These T&C do not create any agency, subcontracting, joint venture, or subordinate relationship between the Company and the User.

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