All information, content, services and software displayed on or transmitted through is owed by NIVIS M.G.A.. You may use the Content online only, and solely for your personal, non-commercial use, and you may download or print a single copy of any portion of the Content solely for your personal, non-commercial use, provided you do not remove any trademark, copyright or other notice from such Content. However, NIVIS M.G.A. does not represent or warrant that use of any Content will not infringe rights of third parties.

Personal information as used in this statement means information on the personal and factual affairs of a certain or determinable natural person while he uses an electronic service of our site such as the Contact Form or an Application for an Offer for insurance products.

Personal information is the information that can be used to identify or communicate with an individual or entity and other information relating to that person or entity. NIVIS M.G.A. will not sell or otherwise transmit or disclose personally identifiable information to third party visitors to the site.