By accessing or using the Valenvia website at www.valenvia.com ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.
These Terms apply to all visitors, users, and anyone who accesses or uses the Site. By using the Site, you confirm that you are at least 18 years of age and legally capable of entering into binding agreements.
Valenvia provides an independent insurance comparison and information service designed for expatriates living in or relocating to European countries. Our service includes:
Valenvia acts as an insurance intermediary. When you request a quote or proceed with a policy, we may receive a commission from the insurance provider. This commission does not affect the price you pay, as insurers price policies consistently whether arranged directly or through a broker.
We are not an insurance provider and do not underwrite any insurance policies. All policies are issued by the relevant insurance provider, subject to their own terms and conditions.
Important: The content on this Site is provided for general information purposes only. It does not constitute financial advice, legal advice, or a personal recommendation. You should seek independent professional advice before making any insurance purchasing decisions.
While we take care to ensure the accuracy of information on our Site, insurance regulations, products, and costs vary significantly by country, provider, and individual circumstances. The information we publish may not reflect your specific situation.
Nothing on this Site constitutes a binding offer or contract of insurance. Any insurance coverage is subject to the terms, conditions, and exclusions of the policy issued by the relevant insurer.
Information about visa requirements, residency obligations, and healthcare systems is provided for general guidance only. Requirements change frequently and you should verify current requirements with the relevant government authority or a qualified immigration professional.
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:
We make reasonable efforts to keep the information on this Site accurate and up to date. However, we cannot guarantee that all content is complete, current, or free from errors. Insurance products, provider offerings, country regulations, and pricing change frequently.
We do not warrant that the Site will be available at all times, uninterrupted, or free from technical errors. We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice.
To the fullest extent permitted by applicable law, Valenvia and its team members shall not be liable for:
Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
Where a consumer protection law in your country of residence provides rights that cannot be excluded by these Terms, those rights are not affected.
All content on this Site, including text, graphics, logos, icons, images, and code, is the property of Valenvia or our content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.
You may view, download, and print pages from the Site for your own personal, non-commercial use, provided you do not modify the content and you retain any copyright or other proprietary notices.
You may not reproduce, republish, distribute, or transmit any part of this Site for commercial purposes without our prior written consent.
The Site contains links to third-party websites and services, including insurance providers, analytics tools, and informational resources. These links are provided for your convenience only.
We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of any third-party websites. Visiting a linked site is at your own risk and subject to that site's own terms and policies.
We reserve the right to restrict or terminate your access to the Site at any time, without notice, if we believe you have violated these Terms or are using the Site in a manner that could harm Valenvia or other users.
These Terms are governed by and construed in accordance with applicable EU law and the law of the jurisdiction in which Valenvia operates. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.
If you are a consumer based in an EU member state, you may also have the right to use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
We may update these Terms from time to time. The "Last updated" date at the top of this page will reflect the most recent revision. Continued use of the Site after any changes constitutes acceptance of the revised Terms.
For material changes, we will make reasonable efforts to notify users by posting a prominent notice on the Site.
If you have questions about these Terms or your use of the Site, please contact us:
Email: hello@valenvia.com
Subject line: Terms of Service Enquiry