Welcome to MIRA - Insurance Broker & Consulting

Terms of Use

This web site ("Web-Site") is operated by MIRA Insurance Broker & Consulting GmbH ("MIRA", "us", "we", "our" or “Company”), who is authorised and regulated by the Prudential Regulation Authority, London, United Kingdom. We are registered in Germany under company number HRB 22498 and our registered office and main trading address is at Sophienstr. 1, 51149 Köln, Germany. Our VAT number (USt-ID Nr.) is DE 183368990.

This Web Site provides users with access to an online collection of information and materials and certain online services (collectively, the “Services”) offered by the Company. These materials may include information related to certain insurance products and services (“Products and Services”) and insurance-related services provided by the Company. The Web Site may also contain text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively with all information and material about the Products and Services, “Content”), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site (“Software”).

Your access to use of this Web Site are subject to the following terms and conditions ("Terms of Use"), as well as all applicable laws and regulations in MIRA’s country of registration. Please read these Terms of Use carefully before you start to use this Web-Site. If you do not accept and agree to be bound by any of the Terms of Use, or are not authorised to accept and agree to these Terms of Use, you are not authorized to access or otherwise use this Web Site or any Content, Services or Software contained on this Web Site. By choosing to use this Web-Site you acknowledge and agree to abide and be bound by each of the Terms of Use. New Services, Content and Software may be added to this Web Site from time to time, and will be subject to these Terms of Use effective upon the date of any such addition. We may also revise the Terms of Use at any time by amending this page. You are expected to check this page from time to time to take notice of additions or changes we have made, as they are binding on you. Some of the provisions contained in these Terms of Use may also be superseded by provisions or notices published elsewhere on the Web-Site.


Registration. You may choose to register with the Web-Site by providing the requested data online, when accessing the Web-Site at “Register here” prompt or by emailing Company at “contact us” prompt. Upon approval of your User Account by Company, you will be given access to the password protected areas of the Web-Site by entering your Login Data and Password. In the future, we may add other features that may be accessed through the public and/or private areas of the Web-Site. In such event, previously registered users may or may not be required to re-subscribe, at our discretion.

By registering with the Web-Site, you agree to provide accurate and current information about you and any entity you may represent, as requested when registering and to maintain and promptly update your profile information to keep it accurate and current. If you provide any information that is inaccurate or not current, or we have reasonable grounds to suspect that such information is inaccurate or not current, we reserve the right to suspend or terminate your online account.

Limited License and Site Access. The Company hereby grants you a limited license to access and make personal use of this Web Site but not to download (other than page caching, permitted downloads as provided by the Web-Site, and other than for personal use, as further provided below) or modify it, or any portion of it, except with express written consent of the Company. This license does not include any resale or commercial use of this Web Site or its Content or Software; any collection and use of any product listings, descriptions or prices; any derivative use of this Web Site or its Content; or any use of data mining, robots, or similar data gathering and extraction tools. This Web Site or any portion of this Web Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of the Company. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Company without the Company’s express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of the Company name(s) or service marks without the express written consent of their owners. Any unauthorized use of this Web Site terminates the permission or license granted by the Company.

You represent and warrant that you have reached the age of legal majority and, if applicable, you can form legally binding contracts under applicable law on behalf of yourself and any entity you represent relating to the use of this Web-Site or any of Services. If at any time you are no longer authorized to form legally binding contracts under applicable law on behalf of yourself or any entity you represent in relation to your use of this Web-Site or any Account, you may no longer use Web-Site Account in any manner whatsoever.

Password Accounts, Passwords, and Security – You are entirely responsible for maintaining the confidentiality of your Password and User Account and for any and all activities that occur under your User Account. You agree to (a) immediately notify the Company of any unauthorized use of your User Account or any other breach of security of which you become aware, and (b) exit completely from your User Account at the end of each online session. The Company will not be liable for any loss that you may incur as a result of someone else using your Password or User Account, either with or without your knowledge. However, you could be held liable for losses incurred by the Company or another party due to someone else using your User Account or Password. You may not use anyone else’s account at any time, without the permission of the account holder. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use.


You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Web Site, and the Company reserves the right to change the access configuration of this Web Site at any time without prior notice. You are also responsible for ensuring that all persons who access the Web-Site through your internet connection are aware of these Terms of Use and that they comply with them.

We may discontinue, suspend or modify the Web-Site at any time without notice, and we may block, terminate or suspend your access to the Web-Site at any time for any reason in our sole discretion, even if access continues to be allowed to others. We will not be liable if for any reason the Web-Site is unavailable at any time or for any period.


Availability of Products and Services - By using this Web-Site or submission of any application for insurance, you are seeking to independently and directly procure an insurance Product or Service from or through the Company or an insurer that may not be licensed in your location. All Products and Services described on this Web-Site or any application for insurance may not be available to all users or jurisdictions. Company reserves the right to determine all eligibility for such Services at its sole discretion. THE INFORMATION CONTAINED ON THIS WEB-SITE OR ANY APPLICATION FOR INSURANCE IS NOT INTENDED AS A SOLICITATION IN ANY JURISDICTION AND DOES NOT CONSTITUTE AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY COMPANY OR ANY INSURANCE COMPANY. The negotiation, purchase and premium payment for any insurance Product or Service obtained through Company shall be deemed to have occurred in the registered country of Company, unless provided otherwise in these Terms of Use.

This Web-Site may provide certain summary descriptions or other helpful information regarding Products and Services. Company attempts to be as accurate as possible, however, any such materials are only intended to generally describe the Products and Services, and are provided solely for information purposes. The descriptions are not intended to be complete descriptions of all terms, exclusions and conditions applicable to a particular insurance Product or Service administered through Company. These descriptions are not a part of any insurance contract or policy and do not amend, revise or alter the specific terms and conditions of the actual policy or product/service agreement through an identified insurance company to which they refer. Complete policy terms are available upon request.

We will use reasonable endeavours to ensure that the Content is accurate, complete and up to date but cannot accept any liability for any errors or inaccuracies in the Content or for the Content being incomplete or out of date. In no event will we be liable to you, whether in contract, tort (including negligence) or otherwise for the accuracy or completeness of any Third Party Content.


Except as otherwise expressly stated, all Content and Software appearing on this Web-Site are the copyrighted work of the Company or third party content suppliers and are protected by local and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content and Software is also the exclusive property of the Company or its affiliates and is protected by local and international copyright laws. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from the Web-Site for your personal reference and you may draw the attention of others within your organisation to material posted on the Web-Site, provided you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent) contained in the information. Our rights as the authors or licensees of the Content and the Web-Site must always be acknowledged. You must not modify or use any part of the Content or the Web-Site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy, download, modify or use any part of the Web-Site in breach of these terms of use, your right to use the Web-Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.


Information contained on this Web Site has been prepared by the Company as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Company has used reasonable efforts in collecting, preparing and providing quality information and material, but, unless expressly stated otherwise by the Company, makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Web Site or any other Web Site maintained by the Company. Users relying on information from this Web Site do so at their own risk.

The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions.

This Web Site may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model “what-if” scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report.




Any material downloaded or otherwise obtained through the use of the Web-Site, is done at your own discretion and risk. You solely will be responsible for, any damages to, loss of data or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing the in the Web-Site or your downloading of anything from the Web-Site.

You understand that in no event shall Company or any of its associated or affiliated companies be liable for any direct, indirect, incidental, special, consequential, incidental or exemplary or other damages incurred by you, including without limitation damages for loss of profits or contracts, loss of goodwill, loss of use, loss of business, loss of data, loss of anticipated savings, loss of income or revenue, business interruption, damage to any computer systems or wasted management or office time, whether caused by tort (including negligence), breach of contract or otherwise, even if you have advised us of such possibilities, or other intangible losses, under any theory of law, arising out of or resulting from: any errors in or the use of or the inability to use the Web-Site, its contents or its systems; the cost of procurement of substitute services resulting from any data, information or services obtained or messages received or transactions entered into through or from the Web-Site; unauthorized access to or alteration of your transmissions or data; statements or conduct of any third party or any other matter relating to the Web-Site. You understand and agree that your use of the Web-Site is predicated upon your waiver of any right to sue the Company directly or to participate in a Class Action Suit for any losses or damages resulting from your use of the Web-Site. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply.


You hereby release, and agree to indemnify and hold harmless Company and its respective officers, directors, employees and agents from any and all claims, demands, causes of actions, liabilities, damages, costs and expenses, including reasonable attorneys' fees, arising out of your use or viewing of the Web-Site and its Content.


Any use or attempted use of this Web Site (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) interfere with any other party’s use and utility of the Web-Site, or (iv) to gain unauthorized access to any other user accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by the Company to be made accessible to a user, or (vi) attempt to obtain any materials or information through any means not intentionally made available by the Company, or (vii) any use other than the business purpose for which it was intended, is prohibited.

Further, in connection with your use of the Web-Site, you agree you will not:

(a) create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Company representative, or falsely state or otherwise misrepresent your affiliation with a person or entity;

(b) register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Services if you are not expressly authorized by such party to do so;

(c) provide any information which is false, misleading, omits material facts, or is otherwise incorrect or incomplete in any material respect;

(d) upload or transmit any message, information, data, text, software or images, or other content (“Material”) that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity;

(e) upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships;

(f) upload files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another;

(g) delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;

(h) delete or revise any Material posted by any other person or entity; or

(i) violate any applicable local, state, national or international law;

(j) upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party; or

(k) Manipulate or otherwise display the Web Site by using framing, mirroring or similar navigational technology or directly link to any portion of the Web Site other than the main homepage, in accordance with the Limited License and Site Access outlined above.

The Company reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the suspension or termination of the user’s access and/or account.


This Web-Site may contain hyperlinks to other web sites owned and operated by parties other than the Company. Such hyperlinks are provided only for ready reference and ease of use. We do not control such web sites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Web-Site provides hyperlinks to other web sites that are not owned, operated or maintained by Company, you acknowledge and agree that the Company is not responsible for and is not liable for the content, products, services or other materials on or available from such web sites to which the Web-Site contains hyperlinks. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party web sites or for any action you may take as a result of linking to any such web site. Any such web sites are likely to set forth specific terms of use and privacy policies that you should review. The Company is under no obligation to maintain any link on this Web-Site and may remove a link at any time in its sole discretion for any reason whatsoever. The Company shall not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such web site. The Company is not responsible for the privacy practices of any other web sites.

No person is permitted to create a hyperlink to this Web-Site without prior written consent of Company.


With the exception of any personal data or information you submit (which shall be maintained in accordance with our Privacy Notice), any information you transmit to the Company via this Web-Site, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of the Company. Such information may be used for any purpose, including, but not limited to, reproduction, distribution, disclosure, transmission, publication, broadcast, and posting. The Company shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Company via this Web Site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. We also have the right to disclose your identity to any third party who is claiming that any Material posted or uploaded by you to the Web-Site constitutes a violation of their intellectual property rights, or of their right to privacy.


Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws and regulations of the country from which you may access the Web-Site including, without limitation, laws regarding access and use of any Content appearing on or available through this Web-Site.

These Terms of Use, the Privacy Notice, and other policies the Company may post on this Web-Site constitute the entire agreement between the Company and you in connection with your use of this Web-Site and the Content, Services and Software, and supersedes any prior agreements between the Company and you regarding use of this Web-Site, including prior versions of these Terms of Use.


Notices. Any notices to you from the Company regarding the Web-Site or these Terms of Use will be posted on this Web Site or made by e-mail to the email address you have provided or regular mail.

Electronic Communications. When you visit this Web-Site or send e-mails to us, you are communicating with us electronically in our registered country. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this Web-Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Age and Location of User. All Content available on this Web-Site is solely directed to individuals 18 years of age or older. The Company makes no representation that the Content, information, Services or Software are available for use in any particular jurisdiction. Any use of the Services, Content and Software is prohibited where they are not allowed by law.


These Terms of Use, your use of the Web-Site and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales, excluding its conflict of laws provisions. If for any reason a court of competent jurisdiction finds any provision of this Agreement, or a portion thereof, to be unenforceable, such provision shall be deemed modified so as to be rendered valid and enforceable while implementing, to the greatest extent possible, the original intent of such provision. If such reformation is not possible or permitted, the invalidity or unenforceability of such a provision shall not otherwise impact the validity or enforceability of the remaining provisions hereunder.

Any cause of action with respect to the Web-Site or these Terms of Use must be instituted within one year after the claim or cause of action has risen or be barred. The courts of England and Wales will have exclusive jurisdiction over any claim arising from, or related to, a visit to this Web-Site although Company reserves the right to bring proceedings against you for breach of these Terms of Use in your country/place of residence .


No waiver of any term or condition herein shall be deemed a further or continuing waiver of such term or condition or any other term or condition.


The Company reserves the right to modify these Terms of Use without notice to you, and your continued use of the Web-Site after such modifications will make such modifications binding on you. These Terms of Use are effective until terminated or updated by the Company. In the event of termination of these Terms of Use, the disclaimers and limitations of liabilities set forth in the Terms of Use will survive. The modified Terms of Use will apply only to disputes that arise after the modification has been posted on the Web-Site. After the Terms of Use have been modified, the Web Site will provide a link to a Notification of Modification for Web Site users for a period of one (1) year after the effective date of such modification.

Last Updated: 03.08.2016