Terms & Conditions

1. Introduction

Welcome to the online insurance platform operated by MRIA Insurance Agents, Sub-Agents & Consultants Ltd ("MRIA", "we", "our", "us").

By accessing, browsing, using, obtaining quotations, purchasing insurance products, or otherwise interacting with this website and related services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.

If you do not agree with these Terms & Conditions, you should not use this website or any related services.

2. Company Information

MRIA Insurance Agents, Sub-Agents & Consultants Ltd

Company Registration Number: HE444057

License Number: 7636

29 Theklas Lisioti Str, Office 202, CY-3030 Limassol, Cyprus
+357 25 100600 · info@mria.com.cy · www.mria.cy

3. Nature of Services

MRIA acts solely as an independent insurance intermediary, sub-agent, and consultant. MRIA is not an insurance company and does not underwrite, assume, or carry insurance risk.

Insurance products available through this platform are provided by licensed insurance companies and are subject to the terms, conditions, exclusions, limitations, and underwriting criteria of the respective insurer.

The insurance contract is concluded between the customer and the insurer.

4. Eligibility

By using this website, you confirm that:

• You are at least 18 years of age.
• You have the legal capacity to enter into binding agreements.
• All information provided is true, accurate, complete, and up to date.
• You are authorized to provide information on behalf of any person included in an application.

5. Insurance Quotations

Any quotation generated through this platform is based solely on the information supplied by the customer.

Insurance premiums, eligibility, coverage, and policy terms may change if:

• information provided is inaccurate;
• information is incomplete;
• circumstances change before policy issuance;
• additional underwriting requirements apply.

A quotation does not constitute insurance cover and is not a guarantee of acceptance by the insurer.

6. Customer Responsibilities

Customers are responsible for ensuring that all information submitted is:

• complete;
• accurate;
• truthful;
• not misleading.

Failure to disclose relevant information may result in:

• rejection of the application;
• cancellation of the policy;
• refusal of claims;
• limitations in coverage.

MRIA accepts no responsibility for losses arising from inaccurate or incomplete information supplied by the customer.

7. Policy Issuance

Insurance cover becomes effective only after:

• successful payment;
• insurer acceptance (where applicable);
• policy issuance by the insurer.

A quotation, application, payment attempt, or confirmation email alone does not constitute insurance coverage unless a policy has been issued.

Policy documents will normally be delivered electronically to the email address provided by the customer.

8. Payments

Payments are processed through secure third-party payment providers, including JCC Payment Systems and other approved payment service providers.

MRIA does not store full payment card details.

Customers warrant that they are authorized to use the selected payment method.

MRIA reserves the right to suspend or cancel transactions where fraud, unauthorized use, suspicious activity, or payment irregularities are suspected.

9. Electronic Communications

By using this platform, you consent to receiving communications electronically, including:

• quotations;
• policy documents;
• renewal notices;
• service updates;
• claims-related communications;
• compliance notifications.

Electronic communications shall be deemed delivered when sent to the email address provided by the customer.

10. Marketing Communications

Customers may choose to receive marketing communications from MRIA.

Marketing communications will only be sent where the customer has provided explicit consent.

Customers may withdraw their consent at any time by contacting MRIA or using the unsubscribe options provided.

Withdrawal of marketing consent will not affect essential service-related communications.

11. Intellectual Property

All content available on this website, including text, graphics, logos, designs, software, and documentation, is the property of MRIA or its licensors and is protected by applicable intellectual property laws.

No content may be copied, reproduced, distributed, or modified without prior written consent.

12. Website Availability

MRIA aims to maintain continuous access to the website but does not guarantee uninterrupted availability.

The website may occasionally be unavailable due to:

• maintenance;
• upgrades;
• technical failures;
• third-party service interruptions;
• events beyond our control.

13. Limitation of Liability

To the maximum extent permitted by law, MRIA shall not be liable for:

• underwriting decisions made by insurers;
• claim decisions made by insurers;
• inaccuracies in customer-provided information;
• interruptions of third-party systems;
• delays in electronic communications;
• indirect or consequential losses.

Nothing in these Terms excludes liability where exclusion is prohibited by applicable law.

14. Force Majeure

MRIA shall not be liable for failure or delay in performing obligations caused by events beyond its reasonable control, including:

• natural disasters;
• government actions;
• war;
• cyber incidents;
• telecommunications failures;
• power outages.

15. Third-Party Providers

This website may integrate with third-party systems, insurers, payment providers, identity verification services, and communication platforms.

MRIA is not responsible for the operation, availability, or policies of third-party providers.

16. Complaints

Customers may submit complaints by contacting:

Email: info@mria.com.cy

Telephone: +357 25 100600

Address: 29 Theklas Lisioti Str, Office 202, CY-3030 Limassol, Cyprus

Complaints will be handled in accordance with MRIA's Complaints Procedure.

17. Governing Law and Jurisdiction

These Terms & Conditions are governed by the laws of the Republic of Cyprus.

Any dispute arising from the use of this website or related services shall be subject to the exclusive jurisdiction of the Courts of Cyprus.

18. Amendments

MRIA reserves the right to amend these Terms & Conditions at any time.

Updated versions will be published on the website and shall become effective upon publication.

Continued use of the website constitutes acceptance of any revised Terms & Conditions.

19. Contact

MRIA Insurance Agents, Sub-Agents & Consultants Ltd
29 Theklas Lisioti Str, Office 202, CY-3030 Limassol, Cyprus
+357 25 100600 · info@mria.com.cy · www.mria.cy