Terms and Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the digital products and services provided by CREA S.L. (“CREA”, “we”, “us” or “our”). By accessing our website, creating an account or using any of our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

1. Eligibility and account creation

  • You must be at least 18 years old and have the legal capacity to enter into contracts to use our services.
  • You are responsible for maintaining accurate account information and for safeguarding your login credentials. Any activity that occurs under your account is your responsibility.

2. Services we provide

CREA offers digital solutions to support maritime insurance and related workflows, including but not limited to quote generation, document management, advisory content and customer communications (“Services”). We may update or modify the Services at any time; material changes will be communicated in advance where feasible.

3. Acceptable use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You may not:

  • Attempt to gain unauthorised access to the Services or related systems.
  • Introduce malicious code, interfere with the integrity or performance of the Services, or mine data in a way that impairs others.
  • Use the Services to transmit unlawful, infringing or harmful content.
  • Resell, sublicense or otherwise exploit the Services for the benefit of a third party without our written consent.

4. Fees and payments

Where a Service requires payment, the applicable fees, billing cycle and payment method will be presented at the point of purchase. By providing payment information you represent that you are authorised to use the selected payment method. All fees are non-refundable unless required by law or expressly stated otherwise.

5. Intellectual property

All content, software and materials made available through the Services are owned by CREA or its licensors and are protected by intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable licence to access and use the Services for your internal business purposes. You may not copy, modify, distribute or create derivative works based on any part of the Services without our prior written permission.

6. Data protection and privacy

Our handling of personal data is described in our Privacy Policy and Cookie Policy. By using the Services you acknowledge that we process personal data in accordance with those policies and applicable data-protection laws.

7. Third-party services

The Services may include links to, or integrations with, third-party services. Those services are provided subject to the third party’s terms and policies. CREA is not responsible for the content, availability or performance of third-party services.

8. Disclaimers

  • The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied.
  • CREA does not guarantee uninterrupted or error-free operation, nor that the Services will meet your requirements.
  • To the extent permitted by law, we disclaim all implied warranties of merchantability, fitness for a particular purpose and non-infringement.

9. Limitation of liability

To the maximum extent permitted by law, CREA, its directors, employees and affiliates shall not be liable for any indirect, incidental, consequential or punitive damages, or any loss of profits or revenues, arising out of or in connection with your use of the Services. Our total liability for any claim arising under these Terms is limited to the amount you paid us for the Service that gave rise to the claim during the twelve (12) months preceding the event.

10. Indemnification

You agree to indemnify and hold CREA harmless from any claims, damages, liabilities, costs or expenses arising out of your breach of these Terms or misuse of the Services.

11. Suspension and termination

We may suspend or terminate your access to the Services if you violate these Terms or if we are required to do so by law. You may terminate use of the Services at any time; any obligations that by their nature should survive termination (such as payment, indemnity and liability limitations) will remain in effect.

12. Governing law and jurisdiction

These Terms are governed by the laws of Spain without regard to its conflict of laws principles. Any dispute will be subject to the exclusive jurisdiction of the courts of Madrid, Spain, except where mandatory law grants you another forum.

13. Changes to these Terms

We may update these Terms from time to time. If changes are material, we will provide reasonable advance notice by email or through the Services. Continued use after the effective date constitutes acceptance of the updated Terms.

14. Contact

If you have questions about these Terms, contact us at info@crea-global.com.