The website www.elipsLife.com is the internet site of Elips Life Ltd and Elips Insurance Ltd (hereinafter referred to as elipsLife). By accessing the website, you acknowledge and accept the following conditions:

Regional restrictions

Unless explicitly stated otherwise, the information and products described here address corporate customers domiciled in Italy. Products are only sold through specialised insurance brokers.

Exclusion of warranty and liability

Although the information published on this website is reviewed and updated regularly, elipsLife cannot offer any assurances or guarantees concerning the completeness, accuracy and relevance of the information. For binding information, please refer to our General Insurance Provisions.

This website is used at the user's own risk. To the extent possible under the law, elipsLife excludes any liability for loss or damage arising from or related to accessing or using this website (or the inability to access or use this website).

Linked websites

elipsLife's website may contain links to other websites. As elipsLife cannot check or determine their contents, it does not accept any liability for their contents, product and service offers or other offers or for their compliance with the provisions of data protection legislation.

Copyright

All features of this website, in particular photos, graphs, texts, etc., are protected by copyright, whereby elipsLife owns all property rights. Parts or all of the website contents may only be downloaded, printed, copied, saved and edited for private purposes.

Right to make changes

elipsLife reserves the right to change this website at any time without prior notice.

Your satisfaction with our services is important for us!

We therefore take your suggestions, comments and complaints very seriously. The quickest way to address any concerns is to contact your relationship manager or usual contact person. You can also write us at:

Elips Life AG
Legal & Compliance
Gewerbeweg 15
9490 Vaduz, Liechtenstein
Email: pbzcyvnapr@ryvcfyvsr.pbz

What you can expect from us

We will record your complaint and do all we can to resolve it by the end of the next working day. Some complaints take longer to resolve. If this is the case, we will write to you to let you know we are looking at your complaint and when you can expect to hear from us.

Resolving your complaint

We are committed to resolving your complaint as soon as possible but in any case within two weeks. If your complaint will take longer than two weeks to resolve, we will write to you at that time to explain why there is a delay. Once we have thoroughly looked into your complaint, we will send you our Final Response. This will inform you what we found out, our decision and if applicable, what we plan to do.

If you are not happy with the outcome

In the unlikely event that we are unable to resolve your complaint, you may be entitled to refer your complaint to the Italian Insurance Supervisory Authority Istituto per la Vigilanza sulle Assicurazioni (IVASS). Complaints can be sent to IVASS as follows:

• Write to IVASS, Servizio Tutela del Consumatore, Via del Quirinale, 21, 00187 Roma
• Email to the certified electronic mail (CEM) address: ghgryn.pbafhzngber@crp.vinff.vg any annexes must be sent exclusively in pdf format, and the size of the CEM message (including the annexes) may not exceed 5 MB.
• Per fax: 06.42133206

You can also use the following form to file a complaint: http://www.ivass.it/ivass_cms/docs/F2180/Allegato2_Guida ai reclami.pdf