Terms of Use

The use of this website, belonging to Goldfus Insurance Group – Oren Mizrach Insurance Agency Ltd and/or its subsi diaries and/or sister companies and/or affiliates (hereinafter collectively: the “Company”), including the use of information and/or the use of links to other information sources on and/or through the website, as well as the provision of any information, receipt of proposals, and/or purchase of insurance policies from insurers and/or any products and/or services through this website (hereinafter: the “Use of the Website”), is subject to the terms and conditions set forth below. The very use of the website by you constitutes your consent to accept them and an undertaking to act in accordance with them. Therefore, if you do not accept any term of these Terms of Use, you are requested not to make any use of this website.

Intellectual Property

1. The information and all pages contained on the website are the exclusive property of the Company. “Information” – any material and/or information displayed on the website in any media, including financial and/or insurance data, literature, words, pictures, drawings, sketches, designs, and including the formatting and layout of the aforementioned.

2. The website contains various data and content protected by copyright, trademarks, and other proprietary rights. Furthermore, the website as a whole is protected as a collective work. No action may be taken that infringes upon these proprietary rights. It is strictly prohibited to make changes, perform reverse engineering, transmit, transfer, distribute, duplicate, perform, display, publish, license, create derivative works from, or copy and sell the information, content, and services on the website and/or originating from the website, in whole or in part, without obtaining the express, prior written consent of the Company.

Limitation of Liability

3. The Company does everything in its power to provide the user with a high-quality and secure user experience on the website. However, the website is not immune to malfunctions and/or issues, and you may not have access to the website from time to time.

4. The user acknowledges that the website, including any content and/or service therein, is provided by the Company on an “As Is” and “As Available” basis. The Company shall bear no liability, express or implied, regarding the website, including any content or service therein, as well as regarding their fitness for a particular purpose and/or user requirements.

5. Nothing stated on the pages of the website or the information therein constitutes an offer, solicitation, or advice to execute transactions with the Company and/or any other party, except where it is explicitly stated that a business insurance proposal is concerned.

6. Nothing in the information on this website constitutes investment advice, directly or indirectly.

7. The Company and/or anyone on its behalf shall not be responsible, directly or indirectly, for any damage that may be caused to you due to a fault or malfunction in the software operating the website or access to the website, or due to the cancellation or termination of services provided on the website.

8. Errors, inaccuracies, and/or mistakes may occur in the information appearing on the website, despite the Company doing everything in its power to ensure the quality, reliability, completeness, accuracy level, and freshness of the information and content included on the website. The Company, its shareholders, directors, subsidiaries, parent companies, affiliated companies, and/or anyone on its behalf shall not bear liability for any damage and/or loss, direct or indirect, including consequential, incidental, or punitive damages (including, without limitation, damages for loss of work and business, loss of profits, work interruptions, loss of business information, damage to reputation, and any other financial loss and/or damage) that may be caused due to the occurrence of such disruptions.

9. The website may display content, publications, advertisements, articles, information, services, products, and/or any other third-party content (hereinafter: “Third-Party Content”), whether by directing the user to third-party websites and/or by displaying them on the website. Without derogating from the above, the user’s use of Third-Party Content is subject to the terms and conditions, terms of use, and/or privacy policies of those third parties, to the extent they exist. It is clarified that any opinion, statement, advice, offer, information, service, or any other content in Third-Party Content belongs to that third party, and the Company is not involved in its creation, editing, or operation.

10. In addition, the website may include links to other websites that are not operated by the Company. The links are provided solely for the convenience and information of users. These links are not under the control of the Company, and it does not monitor the content of linked sites. The inclusion of these links does not imply endorsement, responsibility, or guarantee by the Company regarding the reliability, accuracy, lawfulness, or privacy policies and terms of use of such linked sites. The Company is not responsible for any outcome resulting from the use of or reliance on linked sites and recommends reading their terms of use and privacy policies carefully.

11. It is further clarified that the Company is entitled, at its sole discretion, to remove or add links from/to the website, and does not guarantee that links will remain active or lead to an active website.

12. Any use of website content, including content provided by the Company or third parties, is at the user’s sole responsibility. The user shall have no claim, demand, or lawsuit against the Company regarding content on the website. The Company suggests that the user independently conduct all evaluations and checks regarding any product or service they wish to purchase, and in any case, the user waives and shall be precluded from raising any claim in this regard.

13. Disruption in receiving user details in the Company’s computers for any reason, including a malfunction attributable to the Company, shall not constitute ground for any claim or demand by the user against the Company.

14. The user hereby undertakes to comply with all applicable laws regarding their use of the website and its content, including these Terms of Use.

15. The user is aware that the Company may modify, suspend, or terminate the activity of the website at any time, at its sole discretion, without prior notice.

16. In any case of conflict between the information received during website usage and the information in the Company’s official records, the information in the Company’s records shall prevail, and the Company shall not be liable for any damage resulting from such a conflict.

17. Without derogating from the generality of the above, in any conflict between website content and these Terms of Use (including the Privacy Policy), the provisions of the Terms of Use and/or Privacy Policy shall prevail.

18. Responsibility for the use of the website and its outcomes rests solely upon you, and the Company shall not bear any liability for damage or loss caused directly or indirectly from use or inability to use the site.

19. Nothing in the limitation of liability in this section shall derogate from any other limitation of liability in the Terms of Use and Privacy Policy.

Information Security

20. The Company uses reasonable and advanced information security measures standard in the web industry. However, a risk of database penetration exists. As long as the Company takes reasonable security measures, it shall not be held liable for damage caused by a breach or for the transfer of your information to third parties resulting from such a breach. You are responsible for ensuring viruses do not infect your system, and the Company exempts itself from liability regarding this.

21. Credit card details transmitted via the website are processed using reasonable security measures and used solely for the intended purpose. However, in cases beyond the Company’s control or due to force majeure, the Company shall not be liable for any direct or indirect damage if such data is lost or used without authorization.

22. The information security policy is located within the Privacy Policy.

Website Registration

23. Should you choose to register on the website, the username and password chosen are for your personal use only, and you may not transfer them to any third party without explicit permission from the Company. You undertake to maintain confidentiality and bear responsibility for any damage resulting from unauthorized access using your credentials.

Website Usage and Content Uploading

24. You undertake to use the website solely for lawful purposes for which it was intended—namely, obtaining information to purchase services and/or products. Any use that limits, deters, or prevents others from using the site is strictly prohibited.

25. Information is displayed for personal use only. Copying, distributing, displaying, publishing, scraping, using crawlers, or making commercial use of website information is strictly prohibited.

26. You undertake not to upload, retrieve, transmit, or publish any material that:

• Disrupts or limits others’ use of the website;

• Affects website performance;

• Is unlawful, threatening, abusive, defamatory, pornographic, or vulgar;

• Contains false or misleading information;

• Encourages illegal acts or legal liability;

• Infringes third-party intellectual property or privacy rights;

• Contains viruses, Trojan horses, or malicious software;

• Contains unauthorized commercial advertisements.

27. The Company reserves the right to disclose information required by law, and to edit, remove, or refuse to upload any content that violates these terms.

28. By uploading information, documents, or communications to the website, you grant the Company an unlimited, irrevocable license to use them for lawful purposes as outlined in the Privacy Policy, waiving any privacy or property claims unless gross negligence by the Company is proven.

29. You agree to indemnify the Company, its officers, employees, and representatives against any claims, damages, or expenses (including legal fees) arising from your breach of these Terms of Use.

Personal Information Submission

30. The user confirms that all collected or submitted information is provided voluntarily. Entering details constitutes consent for the Company to process them in accordance with the law. Subject to user consent, the Company may send promotional materials via email or WhatsApp. Users may unsubscribe at any time using the “Remove” button or replying “Remove”. For further details, refer to the Privacy Policy here.

Account Restriction and Blocking

31. The Company reserves the right to refuse access or terminate services to any user at its sole discretion, without prior notice.

32. The Company may block a user if they:

• Violate these Terms of Use;

• Intentionally provide false information;

• Perform an action that harms the Company or website operation.

User Eligibility

33. Transactions offered on this site are not intended for minors or legally incompetent individuals.

34. The user must hold a valid Israeli credit card issued by a recognized Israeli credit card company.

35. The user must possess a valid email address and a physical address in Israel.

General

36. These Terms of Use constitute the entire agreement between you and the Company regarding website use.

37. If any provision is deemed unlawful or unenforceable, it shall be severed without affecting the validity of the remaining provisions.

38. Any delay or failure by the Company to enforce rights shall not constitute a waiver of such rights.

39. These terms do not create a partnership, joint venture, or employment relationship.

40. The Company reserves the right to update these terms at any time. Continued use of the website constitutes acceptance of the updated terms.

41. These terms are governed exclusively by the laws of the State of Israel. The competent courts in Tel Aviv shall have exclusive jurisdiction over any dispute.

42. For convenience, these terms are drafted in the masculine singular form but apply equally to all genders, individuals, and entities.