Transparency Policy

Last updated: May 2026

This transparency policy complies with the applicable legislation, in particular with Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 and with Royal Decree-Law 3/2020 on measures transposing said Directive into Spanish law, as well as with the terms of access and use of this website and other matters that the user must be aware of for the purposes set out in Law 34/2002 on Information Society Services and Electronic Commerce.

1. Information provided

This website provides the following information:

• Information on insurance products distributed through the mediation of Alba Fabregat Solé.
• Ways to contact us in order to obtain further information about the content of this website:
  • Phone: +34 650 54 35 38.
  • Email: info@albafabregat.es.
  • Address: Carrer d'Antoni Asens, 23 — 43740 Móra d'Ebre (Tarragona, Spain).

2. Ownership of the website

The owner of this website is Alba Fabregat Solé (Spanish Tax ID 39925304H), registered in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General for Insurance and Pension Funds (DGSFP), under the Spanish Ministry of Economy, Trade and Enterprise, with the following details:

• Mediating operator code: C079439925304H (MGS Seguros Generales y Reaseguros, S.A.).
• Exclusive agent code: 38298.

Professional address: Carrer d'Antoni Asens, 23 — 43740 Móra d'Ebre (Tarragona, Spain).

3. Status as broker

In our capacity as an insurance agency exclusively tied to MGS, Seguros y Reaseguros, S.A., we carry out insurance distribution activities, providing the client with objective and consistent information about the insurance products distributed.

The contractual relationship with MGS, Seguros y Reaseguros, S.A. is of a commercial nature and remuneration is received in the form of a commission, already included in the insurance premium.

4. Internal complaint channels

In accordance with the provisions of the Privacy Policy, any personal data provided during the use of this website will be processed in accordance with the data-protection legislation in force.

In order to safeguard the user's right to assistance and to defend their interests, MGS Seguros' Customer Service is available to handle complaints and claims relating to mediation activity:

• Phone: +34 918 073 709.
• Website: www.mgs.es.

Should the Customer Service refuse to process a complaint or claim, fully or partially dismiss it, or fail to issue a reply within one month from the date of submission, the user may turn to the Complaints Service of the Directorate-General for Insurance and Pension Funds (www.dgsfp.mineco.es).

5. Frequency of updates

The information contained in this transparency policy is updated whenever substantial changes occur and, at minimum, is reviewed once a year.

Likewise, the information on insurance products offered on this website is updated on a general basis.