Website Rules
- General information
- Governing law and jurisdiction
- Website visitor behavior
- Intellectual property and its protection
- Information provided by the website visitor
- The website provides information
- Calculation of insurance premiums and submission of insurance proposals
- Terms of payment of insurance premiums and delivery of insurance documents to the Visitor
- Powers of the company
- Liability
- Disputes and complaints
- Document versions
General information
1. This website, https://www.manramu.lt/, is owned and operated by “Man ramu”, UAB (hereinafter – the Company or We), legal entity code 306362692, with its registered office at Verkių St. 31B-2, Vilnius, Republic of Lithuania.
2.You can contact us by email at info@manramu.lt or at the address Verkių St. 31B-2, Vilnius, Republic of Lithuania.
3.The Terms and Conditions of the website https://www.manramu.lt/ (hereinafter referred to as the “Website” or the “insurance platform”) set out the terms and rules that Website visitors must observe when using our insurance platform.
Governing law and jurisdiction
4.These Rules are governed by the legal acts of the Republic of Lithuania. Disputes related to these Rules shall be resolved in accordance with the procedure established by the legal acts of the Republic of Lithuania.
5.The Company may, at its sole discretion, modify, add, or remove any part of the Website, the Website content, and/or these rules, in whole or in part, at any time. Amendments to these rules become effective upon their publication.
Website visitor behavior
6. A website visitor (hereinafter – You or the Visitor) wishing to perform any actions on the insurance platform and/or use the services provided by the Company must familiarize themselves with these Rules, the Privacy Policy, and the Information for the Customer, and confirm their agreement to comply with them.
7.You may not use the Website if you have not familiarized yourself with the Rules and/or do not agree to them. Please review the Rules carefully when visiting this Website to confirm that you continue to agree to the terms set forth therein. If at any time you do not wish to agree to the terms of the Rules, you should stop using the Website. If you do not agree to the Rules or any part thereof, you must not take any action on the Website and may not order services provided by the Company.
8.You may not use the Website in any manner that is unlawful, that could compete with the Company’s business, or that does not comply with the terms of the Rules. You agree to use the Website solely for your own or your organization’s non-commercial use, and not for resale or any other transfer to any other person or entity. Use of the Website for commercial purposes is prohibited without the Company’s written permission.
9.The website may only be accessed using general-purpose web browsers (such as Google Chrome, Mozilla Firefox, Microsoft Edge, Safari, etc.). The use of any automated programs, scripts, or bots—including, but not limited to, web crawlers, data collection tools, and other software designed to automatically retrieve, scan, or extract data from the website—is strictly prohibited.
Intellectual property and its protection
10.This Website and its entire content, features, and functionality (including the logo, text, photographs, videos, audio, graphics, and the selection and arrangement of the design, etc.) are the property of the Company and are protected by the laws of the Republic of Lithuania. Administrative, civil, and criminal liability applies to the infringement of these rights.
11. Without the Company’s consent, it is prohibited to reproduce, copy, model, scrape (extract) data from, use for testing purposes, publicly disseminate, or otherwise use the information contained on this Website or any part thereof, except in cases provided for by the legal acts of the Republic of Lithuania.
12. By using the insurance platform, a Website visitor does not acquire any rights to the Website, except for a limited right to use the Website and its content in accordance with these Rules.
13.The website may contain links to other third-party websites. The Company is not responsible for the accuracy or reliability of such third-party websites, portals, or platforms.
Information provided by the website visitor
14. Data and other information (hereinafter – “Data”) provided by the Visitor on the insurance portal are used solely for the provision of insurance mediation services.
15. You must provide correct, accurate, and complete data to be used for the provision of insurance mediation services (for the purposes of calculating insurance premiums and concluding insurance contracts).
16.You confirm that you are the data subject of the provided data or a person duly authorized to submit another person’s data, and that you are responsible for the accuracy and lawfulness of the data you provide on the insurance platform. You confirm and agree that by using this Website:
16.1. Personal data provided by you in the course of service provision may be transferred to third parties—such as public registers/data system administrators (e.g., State Enterprise REGITRA, State Enterprise Centre of Registers, etc.) and insurance companies—and data may be obtained from them for the purpose of concluding the contract.
16.2. You do not violate the statutory rights of other persons (e.g., rights to privacy and publicity).
16.3. You do not impersonate another natural or legal person.
17. By submitting data via this insurance platform, you grant the Company permission to use your data for the provision of the service.
18.If incorrect, inaccurate, or insufficient information is provided on this insurance platform, the insurance company may refuse to conclude an insurance contract, set a different (including higher) insurance premium, or—in the event of an insured incident—refuse to pay the insurance benefit or reduce its amount. Incorrect data provided by the policyholder may render the insurance policy invalid. Providing an incorrect or inaccurate address for the delivery of the insurance policy may result in the policy being sent to another person or failing to be delivered, and may prevent the policyholder from receiving other important documents. Incorrect data provided by a Website visitor may also lead to other negative consequences not specified here. The person who provided the incorrect information bears full responsibility for these consequences. If the Company or third parties incur losses due to incorrect information provided by a Website visitor (policyholder)—including incorrect or inaccurate personal data, or personal data provided without a legal basis—the Website visitor who provided the incorrect information must compensate for such losses.
19. By submitting data on the insurance platform for the conclusion of an insurance contract, the Visitor confirms his intention to conclude the insurance contract offered on the Website through the mediation of the Company, i.e. “Man Ramu”, UAB.
20. Please consult the Privacy Policy to learn how personal data is processed at the Company.
The website provides information
21. The website provides information related to insurance services.
22.The information provided on the website cannot be considered an insurance recommendation. The Company is not liable for any losses incurred as a result of relying on the information or other material provided on this website.
23. The Company does not verify the accuracy of information provided by insurance companies and is not liable for inaccuracies in such information or for any losses resulting therefrom.
24. The Company does not verify the correctness and accuracy of the information provided by the Website Visitor and is not liable for incorrect, incomplete, and/or inaccurate data provided by the Visitor.
25. The Company does not assume responsibility for determining the amount of insurance premiums, concluding contracts, refusing to conclude insurance contracts, their execution or non-execution, recognition or non-recognition of events as insurable, payment, non-payment, reduction of insurance benefits, if inaccurate and/or incorrect data specified by the Visitor had an impact on the determination of the amount of insurance premiums, the decision on concluding an insurance contract and/or determining its conditions, insurance risk assessment, etc.
26.The company is not responsible for the information provided on the website following the links of other companies. These links are provided as an aid to the Site visitor.
Calculation of insurance premiums and submission of insurance proposals
27.A visitor intending to enter into an insurance contract is provided with the opportunity on the Website to obtain insurance offers for a specific type of insurance from the listed insurance companies cooperating with the Company. Information regarding rates and premiums applied by other insurance companies is not provided on the Website.
28. Premium calculations for insurance offers are performed once the Visitor enters the data required to calculate premiums for a specific type of insurance into the insurance platform.
29.The premium amounts shown on the insurance platform are calculated based on the specific terms and scope of coverage applied by each individual insurance company. Insurance coverage and terms may vary. When presenting the results of insurance quote calculations, the Company does not evaluate or compare the insurance products, the scope of coverage, its value, or the terms offered by the insurance companies.
30.Through the insurance platform, the policy terms offered by insurance companies are compared solely based on the proposed premium amount and product conditions. Other aspects of the services provided by the insurance companies themselves (service accessibility, quality of customer service, claims settlement policies and practices, etc.) are not evaluated.
31.Individual offers and premium amounts provided by insurance companies when a visitor contacts them directly may differ from the premium amounts calculated on the insurance platform. The Company bears no responsibility whatsoever for the individual pricing and tariff policies applied by insurance companies to their insurance products.
32.Insurance premium amounts on the insurance platform are calculated based on data provided by the Visitor. If the Visitor provides inaccurate and/or incorrect data—upon which premium calculations, offers to conclude insurance contracts, or concluded insurance contracts were based—and if an insured event specified in the insurance contract occurs and/or it is revealed that the Visitor provided inaccurate and/or incorrect data, the insurance company has the right to terminate the insurance contract, declare the insurance contract invalid, and refuse to pay or reduce the insurance payout in accordance with the terms and procedures established in the insurance contracts.
33.The Company shall not be held liable if the Visitor provides incorrect or inaccurate data when seeking to obtain an offer to conclude an insurance contract and a calculation of insurance premiums. The Visitor bears all risk and liability for providing incorrect or inaccurate data or other information.
34. The Company assumes no liability if an insurance company (or companies) fails to provide an insurance offer based on the data submitted by the Visitor.
Terms of payment of insurance premiums and delivery of insurance documents to the Visitor
35.The Website visitor is responsible for the proper payment of the insurance premium. Only the Website visitor may pay the insurance premium.
36. The insurance premium is paid via the payment service provider Neopay (hereinafter – Neopay) into the account of the selected insurance company.
37.Payment must be completed during the same session. If the payment is successful, the visitor gains access to the insurance documents.
38. If the payment is unsuccessful – during the same login session, the Visitor may be given the opportunity to repeat the payment process again.
39. If the session is interrupted, the payment is deemed not to have been made, and the insurance contract is considered unpaid and will be cancelled.
40. Termination of the session or failure to pay the premium shall be deemed an instruction from the Visitor to the Company to terminate, on the Visitor’s behalf, the insurance contract that has not yet entered into force.
41. The Company does not apply deferrals of insurance premiums.
42.Once the visitor selects a specific insurance offer, an insurance contract is generated, and they are redirected to Neopay. After selecting their bank from the list, the visitor is redirected to that bank’s login page. Upon receiving confirmation of successful payment from Neopay, the visitor is redirected back to the website.
43.If the payment is successful, the Company immediately sends the Visitor an email with a link to access the insurance contract and other related documents.
44. In all cases, an insurance contract can be concluded and insurance contract documents (insurance policy, etc.) can be issued only after the Company receives a proper confirmation that the insurance premium has been paid.
45. The insurance contract enters into force on the date specified in the contract, provided that the insurance premium is paid prior to the moment of entry into force.
46.If the insurance contract is not concluded, the insurance premium is refunded to the person who paid it. Bank charges associated with the refund are deducted from the refunded premium.
47. For all matters related to premium payment and the receipt of insurance documents, please contact info@manramu.lt.
Powers of the company
48. Based on the data provided by the Visitor, it is deemed that:
48.1. The Visitor has instructed/commissioned the Company to provide offers for the specified type of insurance via the indicated contact details; based on this, offers from insurance companies to conclude insurance contracts are generated on the Website, and insurance premiums and other terms of the insurance contract are determined.
48.2.By choosing to enter into a contract on this Website, the Visitor is deemed to have given the Company an express and irrevocable instruction (mandate) to submit a request to the Visitor’s chosen insurance company to conclude a contract for the type of insurance specified by the Visitor—namely, compulsory motor third-party liability insurance or another type of insurance offered on the Website—and, upon the insurance company’s agreement to conclude the insurance contract, to obtain the insurance policy from the insurer and forward it to the e-mail address specified by the Visitor.
48.3.By choosing to enter into a contract on this Website, the Visitor is deemed to have given the Company express and irrevocable consent to sign insurance contract documents on behalf of the Visitor or the insured person. An authorized representative of the Company signs the insurance contract documents on behalf of the policyholder (the Visitor or another person designated by the Visitor).
49. Without a separate agreement with the Visitor, the Company does not provide the Visitor with any other services—whether expressly stated or implied—nor does it carry out any other instructions from the Visitor—whether expressly stated or implied.
50. The Company assumes no obligations regarding the performance of insurance contracts concluded via the Company’s Website and is not liable if the insurance company fails to perform, or improperly performs, its obligations arising from the insurance contract.
Liability
51. The visitor is considered liable when:
51.1. 51.1. The instruction to conclude an insurance contract was submitted by a minor or an incapacitated person for whom the Visitor is responsible under the legal acts of the Republic of Lithuania.
51.2. The Company incurs losses due to the incorrect data provided.
51.3. Personal data protection requirements were violated due to the Visitor’s actions.
52.The Visitor acknowledges that the Company reserves the right not to provide services if doing so would violate applicable legal requirements, including, without limitation, those relating to anti-corruption, anti-bribery, trade restrictions, sanctions, and anti-money laundering. The Company shall not be liable to the Website Visitor or other related parties for any losses incurred in connection with the application of the legal requirements specified in this clause.
53.By using the Website or choosing to enter into a contract on this insurance platform, the Visitor is deemed to have given clear and irrevocable consent and confirmation that the Company will compensate the Visitor for all losses caused by the Company’s non-performance or improper performance of its duties only in cases where the Company did not perform its duties intentionally or due to gross negligence. In other cases, the Company’s liability for any damages (including, but not limited to, attorney’s fees) arising from the provision of services shall in all cases be limited to an amount not exceeding EUR 1,300,000. The website visitor confirms that the size of the limitation of liability specified in this point is fair and proportionate, taking into account the scope of services provided.
Disputes and complaints
54. Disagreements and disputes regarding the use of the Website or the improper provision of services shall be resolved through negotiations; if not resolved in this manner, they shall be settled in court in accordance with the procedure established by the legal acts of the Republic of Lithuania.
55.If you have any claims or complaints regarding the functionality of the Website and/or the services provided by the Company, you may submit a written complaint via email to info@manramu.lt or by mail to the address Verkių St. 31B-2, Vilnius, Republic of Lithuania.
56. Regarding disputes between consumers and financial market participants arising from the provision of financial services, you have the right to apply to the Bank of Lithuania (https://www.lb.lt/lt) for out-of-court dispute resolution within one year of contacting the Company.
57. You may submit a complaint regarding the activities of the Company’s employees—insurance brokers—and violations of their professional ethics to the Chamber of Insurance Brokers (https://www.dbr.lt/).
58. Read more about the complaint handling procedure at the Company at https://www.manramu.lt/.
„Man ramu“, UAB · Įmonės kodas 306362692 · Verkių g. 31B-2, LT-09108 Vilnius
info@manramu.lt · +370 655 04005
„Man ramu“ veiklą prižiūri Lietuvos bankas