Legal Notice

Last updated: May 2026

1. Information about the website owner

In compliance with article 10 of Spanish Law 34/2002, of 11 July, on Information Society Services and Electronic Commerce (LSSI-CE), the user is hereby informed of the following identification data:

• Website owner: Alba Fabregat Solé
• Spanish Tax ID (NIF): 39925304H
• Tax address: Partida Illetes, 4 — 43747 Miravet (Tarragona, Spain)
• Professional address / customer-facing office: Carrer d'Antoni Asens, 23 — 43740 Móra d'Ebre (Tarragona, Spain)
• Phone: +34 650 54 35 38
• Contact email: info@albafabregat.es

2. Professional activity and registration data

Alba Fabregat Solé carries out her professional activity as an insurance distributor, exclusive insurance agent for MGS Seguros Generales y Reaseguros, S.A. (hereinafter, "MGS Seguros"), registered in the Administrative Register of Insurance and Reinsurance Distributors of the Spanish General Directorate of Insurance and Pension Funds (DGSFP), under the Spanish Ministry of Economy, Trade and Enterprise, with the following details:

• Operator (MGS Seguros) registration code: C079439925304H
• Exclusive agent code: 38298

Detailed information regarding the nature of the intermediation, the terms of service and the complaint procedures is available on the Transparency Policy page.

3. Purpose of the website

The purpose of this website (hereinafter, "the Site") is:

• To present the professional activity of the website owner and the insurance products distributed by MGS Seguros.
• To allow the user to contact the website owner to request information or advice on insurance products.
• To comply with the prior information obligations established by insurance distribution regulations.

The Site does not constitute a binding offer to enter into any insurance contract. The actual purchase of any insurance policy will require a subsequent process of needs analysis, delivery of mandatory pre-contractual information and formalisation in writing or through the channels enabled by MGS Seguros.

4. Terms of use

Access to the Site is free of charge. The user undertakes to make diligent use of the Site and not to use it for unlawful purposes or to harm the rights and interests of third parties, including in particular:

• Not introducing, storing or distributing defamatory, obscene or threatening content, or content that infringes fundamental rights.
• Not engaging in denial-of-service actions, unauthorised mass mailing or any action that disrupts the normal functioning of the Site.
• Not introducing or propagating computer viruses or any other malicious code.
• Not impersonating third parties when filling in the contact form.

The website owner reserves the right to deny or withdraw access to the Site to users who fail to comply with these conditions.

5. Intellectual and industrial property

All content on the Site (texts, images, photographs, logos, source code, graphic design, navigation structure, databases and other elements) is owned by Alba Fabregat Solé, except for those elements whose ownership belongs to third parties and which are duly identified.

The trademark MGS Seguros, its logos and associated denominations are owned by MGS Seguros Generales y Reaseguros, S.A. and are used on the Site within the framework of the exclusive agency relationship.

The reproduction, distribution, public communication, transformation or any other form of exploitation of the contents of the Site is prohibited without the express written authorisation of the website owner or, where applicable, of the holder of the corresponding rights.

6. Links to third-party sites

The Site may contain links to third-party websites (including, among others, social networks, maps, institutional sites or websites of MGS Seguros). The website owner assumes no responsibility for the content, privacy policies or practices of such sites, navigation of which is subject to their own terms.

7. Limitation of liability

The website owner will use reasonable means to ensure that the information published on the Site is accurate and up to date. However, she does not guarantee the absence of errors or omissions nor the uninterrupted availability of the Site. Commercial information about insurance products is for informational purposes only and does not in any case replace the official contractual and pre-contractual documentation provided by MGS Seguros at the time of contracting.

The website owner shall not be liable for any damages or losses arising from:

• Interruptions, viruses, technical failures or disconnections in the operation of the Site or the communications network.
• Decisions taken by the user solely on the basis of information published on the Site without having received prior personalised advice.
• Improper use of the Site by the user.

8. Modification of this Legal Notice

The website owner reserves the right to modify this Legal Notice at any time, with effect from its publication on the Site. Users are advised to review it periodically.

9. Applicable law and jurisdiction

This Legal Notice is governed by Spanish law. For the resolution of any dispute arising from access to or use of the Site, the parties submit to the courts of the user's domicile, where the user is a consumer, or otherwise to the courts of the website owner's domicile.