"Sil mobile" application Terms and Conditions
Head 1. General provisions
In the conditions applicable concepts and definitions.
Company: "Sil Insurance" ICJSC, including the latter branches.
Customer: 16 the year completed physical person who right has access to the services of Company.
Sides: Company and the Customer together.
Website: Company official site www.silinsurance.am
Conditions: Company by physical and legal persons offered online to the App through insurance provision of services hereby main terms and conditions which define Company offered to the Customer online/remotely insurance provision of services with connected relationships and implemented operations basic conditions and provisions, security the rules and warranties.
Guidefrom: To use the System/Application the order in which is included are useful advices: Remote Control System or System: Internet, mobile and other tools and systems offered by the Company that enable the use of insurance services through electronic communication, telephone or otherwise, without visiting the Company. The types of insurance services, their terms of use and rules are published on the Website or other websites, software tools and mobile applications designated for use of the relevant System and may be changed from time to time.
Application: "Sil mobile" in the domain and/orCompany mentioned by other at the address available online software provide which opportunity gives The client's smartphone or appropriate possibilities having other device (hereinafter referred to as a technical device)use through insurance from services.
Services: Company by System/Application offered through insurance services, to whom conditions defined by Services terms.
Services terms: Description of the online services offered by the Company to individuals and legal entities, the main terms and conditions, the scope of the rights, duties, and obligations of the Parties arising between the Company and the Customer during the provision of online/remote services offered by the Company through the Application, described in the Terms.
Personal domain: domain of the Customer's personal use technical device, with the help of which the Customer can use the services of the System/Application.
Insurance secret: defined by RA law: insurance secret considered information.
Individual/personal data: To the Customer and/or the latter with interconnected to the person (of applicability case) data relating to information facts any about the circumstances information that weak gives or can is weak give to the person identify which to the number can are to rank persons identifier such data, such as են՝ name surname, birthplace, birthday date, nationality citizenship, of residence/location wild addresses, contact data, personal and marital status, residency etc.
Payment system: ArCa, Visa, Mastercard and other environments applicable and RA legislation according to such considered billing systems.
RA: Republic of Armenia.
RA CB: Central Bank of the RA.
General provisions
⦁Terms setting are Company and Customer between originated the relationship In the application to the Customer from the Services when using how also definition are Safety of using the application the rules.
⦁The application convenient tool is which opportunity gives without Company to visit, quickly and efficient manner In the app to register and in the Appendix established to agree to the terms case of the application throughFrom servicesuseand, that including presenting applications, suggestions (offers), to seal contractsinform the Company about insurance accidents that have occurred and follow up during their how also implement In the app to a available from made other operations.
⦁The customer From the app you can to use if has access to the Application appropriate technical and software security, including accessibility to the web, for the Mobile domain, iOS or Android operation system availability.
⦁The customer To use the application for need will be identified as providing sequence of certain steps, fill in with a Guide required the information in the back of the Guide described the rules then define System unique input name, password and PIN-code. Then it is necessary to take a picture along with the passport in accordance with the form described in the application which will allow authentication without visiting the Company.
⦁Customers Identification Number mandatory is owned by the Customer mobile phone number, emailof mailaddress completion Guide established in the appropriate field. With in which, mobile phone number change About the Customer is obliged isTo the company inform while of the application from services օգտվելը՝ In the app appropriate changes implementation purpose. Registered new with mobile number upon registration registered phone number deactivates: appropriate registered by sending a notification phone number to the user, who must to the Bank provide her new phone number.
⦁The customer In the app from registration after electronically gets to know to the conditions tariffs, of the application available to the Customer through from services opportunities to use to what electronically to agree and process process means is that Customers and Company between to be sealed of the Appendix service provision agreement.
⦁The sides accept that Customers username/login and password the complement sufficient condition of the Customer identification and Application through to the Customerinsuranceservices to deliver for however the parties agree also that the company competent is in the Appendix implement to identify the customer other actions, including from the Client to demand other data, voice confirmations and documents and The customer must is to present himself to identify for Company requested by Other information, data and documents. The company right has to claim to translate from foreign languages to Armenian presented documents.
⦁Company right has to refuse of the buyer with businessman relations from confirming if doubts there are Customers identity, as well as the latter carried out by operations of legality around.
⦁The parties accept that Customers used by with password with a PIN code, as well as fingerprint or the face to identify or other telephone functions on input In the app Company the presentable all applications, applications, contracts and other electronic documents considered are signed by Customer from, and have paper originalin to the signature legal equivalent power.
⦁In the app "Agree", "Acceptance", "Confirmation" and/or other expressing consent of buttons with a note Customer certification is that according to it to the conditions which presented are of this agreement under.
"Accept and sign” or similar other of buttons pressing appropriate of the "V" sign in the fields input mean is that The client has read, familiarized himself with agree, accept and signed accordingly application-contracts terms, agreements, references, other the documents and the texts and undertakes proper and to fulfill the terms stipulated therein in a timely manner and requirements.
⦁Terms, Conditions under Services: provision application-contracts are are public offer (offer), which is considered of the Customer accepted by (accepted): conditions, application-contracts to accept about the Customer's electronic confirmation Company:for acceptable and datainsurance defined for the service manner Company: to send/submit from and/or to use this service for Customers by appropriate action by performing and from then on, Terms of Service for Company defined by conditions and Tariffs with together considered of the Parties between sealed contract.
⦁For a particular service CompanyThe electronic signature/validation by the Customer of the set model/standard document or in appropriate cases, the Customer's performance of using the service, documents the Customer's acceptance of the Terms for a separate service.Tariffs acceptance defined by Company.
⦁Customer's by Hait from the presentation after it Company by can has been verified. Application verification negative result, and therefore given implementation of the assignment The Client is notified of the rejection of the Application՝ In the app of the document according to the status change and/or System generated by notification through.
⦁The customer completely responsibility is wearing In the app authenticity of entered data, integrity, credibility, flawed presentation, done printing, other of errors for, how also safety and other non-compliance with the rules and arising from them consequences for and certification is that presented the data can were substantiated with documents if about that Company to submit a claim. Coordination of the Client actions performed byCompany to be considered by are as At the customer's will directly and real expression.
⦁The customer System no can make mandatory deletion of considered data or exemplary shape being in the documents changes, if them they are not are documents filling operations.
⦁Company right has RA legislation and/or his internal legal by acts limit Company from certain services user: persons/customers the frame.
⦁The customer authorization and assignment is Company the undertake necessary all measures/actions: Customer's in favor of or no basic/essential character having (bugs, errors, typos, etc defects correction Company service names edits etc.) all the changes in execution and in force to put for without Client additional consent or signature.
⦁Parties between the relationship being regulated are defined by the terms in order but from the Terms different provisions in part can are regulated separately by contract or by agreement, which of the parties by agreement can was signed service provision and maintenance any stage.
⦁Some of customers for can are be defined from the conditions different conditions.
⦁It in case when Company by separately provision of services for established are separate terms and/or agreements, them in action are in: in addition to the Terms.
⦁The customer served 24/7 except Company internal legal by acts in the prescribed manner and cases additional processing, transactions requiring approval, to whom part service to be carried out is operational of the day during which Company defines is on its own. Of the conditions in sense operational is considered a day Customer's: service for specified days and the hours and is considered a working day five days of the working week mode: at 9:00am-18:00pm.
⦁The customer permission is Company to use her (customer's) contact the data (name, surname, the address and communication data)how also her at discretion and without prior notice to the Customer to inform Company with contractual relations in provide to companies that data: Company by providing services, Customer services to offer or served the services in order to improve.
⦁The customer informed is that Company towards Customer's obligations if available the latter fromCompany: presented the assignment/transaction can was not fulfilled or suspended.
⦁Company the can is own on the initiative, temporarily completely or partially, stop of the application through the Services System/Application Security and reliability level increase purpose technical to perform maintenance and uninterrupted job security direction to take action as a result.
⦁Company the can to suspend or to stop system, Application: to log in Customer's ability to: terms, Apply-contracts, With tariffs and other not fulfilling the obligations stipulated by the documents, no proper to perform how also Regarding customer identification doubts to have in cases how also it in case when Company:the foundations has to assume that the system, The application used is third person from, or System, of the application safety provision considering or RA: other provided by law cases.
⦁Company right has a performance of money laundering and terrorism financing fight against regarding international or RA: normative and/orCompany internal legal of the requirements of the acts From the customer to demand to present all necessary system information, of the application presented through of assignments execution, regarding transactions carried out with the Account, and the latter not to provide in case: suspend System, Application presented through of assignments performance, With an account transactions making or reject with Account of the transaction performance (that including rejecting the Customer with business relationship approval) additional information, document/s/ to demand or apply system, of the application of use towards other limitations.
⦁RA: legislation requirements, United Nations organization (UN) Security Council formulas, international of right norms international and foreign based on sanctions onCompany unilaterally undertaken obligations as a result,Company reporter Company at the request or Company competent of the body by decision Company can is limitations or barriers to define and apply citizenship of a certain country (registration) or residency having and/or individually group classified persons towards. Such limitations as a result can are how be banned Account maintenance and With the client cooperation in general as well applied separately limitations on services.
⦁Terms, Tariffs, the rules of the application types of services provided to the Client through and/or their delivery, including Customer Identification Terms and/or order. including: Company by providing services number from the Customer required documents the list of which the changes available are Company in the area In the app and/or on the Site. Marked documents of changes aboutCompany:Notifies the Client of their entry into force no late than 3 p.m (fifteen) day before if RA: by law and the Terms otherwise deadline set not internet and mobile domains, also by publishing and Between the parties in advance agreed to be in case: also Customer's: for preferably in another way. If: until of changes in force to enter for established period Customer in writing no informs Companyn: of the conditions under Parties between to terminate the legal relationship her of desire about then those changes considered are accepted Customer's from.
⦁Sides between in advance agreed to be case Company of the Client with communicates including: sending is messages Company served by Services: related to documents Customer's: with agreed manner and communication data.Company's right has to use Customer's: e-mail the address, mobile phone number and other communication data: To the clientCompany Services provided by informative about promotional nature to send messages purpose. Informational nature the message can to include Company Services: conditions, Parties between order of communication, Rights of the parties and definition of responsibilities, change or termination, Company services effect having of laws, normative legal acts, Company internal legal of acts of changes information about how also Customer's obligations, their occurrence basis, repayments and liabilities of default or no proper performance for Company applied by (applicable) liability funds, their application order information. Of the application through the Customer presented by Applications study results, how also of the Client other operations about Company can to inform to the customer electronically, which in part The client gives is his the consent of the application corresponding to the pages information in the section placed doing, by email, mobile phone number sent short messages (SMS), of the system mobile applications sent by of messages (Push Notifications) through and in other ways.
⦁The customer accepts, that the information to be sent notifications and mobile phone short message (SMS) through notification case The customer is considered is proper notified addressed to the latter Company the message Customer's from Company the provided postal address e-mail to the address or mobile phone number Company if sent by - independently it from the circumstance or The customer actually when receives that information. The customer commits immediately inform Company address, Company the presented other information and documents any about changes including residency status of change about Customer's by the above non-fulfillment of obligation case Company responsibility no wearing Company, whose present information or documents based on on Customer's performed by of actions as a result Customer's carried by damages for.
⦁of the application operations performed through data about maintained are Company:to whom and can are as proof provided.
⦁Customer's by the Application through one more from services to use in case of receiving information one united weather will be applied except for the Customer by separately for service see of leadership receipt another way to choose about presented application or of the contract.
⦁The customer accepts, that phone conversation between Customer's and Company safety considerations can be recorded which has proof significance and can was used Company by RA permitted by law within.
⦁The customer responsible is Company worn all it expenses, losses and damages for which arose are Defined by the terms: Customer's obligations of the latter to fail to do so or no proper as a result of performing.
⦁Company the responsibility no wearing any person carried by directly or indirect costs and damages for (including expected of income or of interest the loss) if such completely or partially caused are Company by money laundering and terrorist financing with prevention connected operations as a result of making as well as in performance RA: legislation other requirements.
⦁Company the responsibility no wearing system, of the application from services while using other telecommunications services waiter operators and other persons defined by and the latter for chargeable of fees for.
⦁Customer's on behalf of journal to come Customer's representatives powers of attorney are legal power will have only that in cases if be authenticated notarial in order and RA from the area out given to be in case have also other validation (apostille, consular validations/confirmations) RA defined by legislation in order. Company right has to save power of attorney, references and other documents.
⦁Terms priority are and Terms under Company approved by and to be confirmed later documents typical/exemplary forms, Services Terms, Tariffs in action are so much how much they are not contrary to the Terms, if such in typical ways, terms, with tariffs other thing not intended.
⦁of the system provision termination does not leads to Company and Customer between available other contractual relations to change or termination, if there is no other thing agreement between Sides in written form.
Safety rules
· To use the System/Application for Company by the Customer can be provided and applied passwords, safety codes, keys, safety devices.
· Customer agrees and undertakes to comply System/App login for necessary information apply-contracts privacy, do not publish or third persons any manner known/available don't make to access System/Application and System/Application operation used for passwords, the codes and other the data weak not give System/Application software provision protected part printing, decoding, modification and distribution or perform actions that can are lead to such data third persons famous available becoming.
· The customer undertakes to maintain System/App software use of security with connected intellectual of property all rights, System/Application to use of it to the significance appropriate.
· Customer informed is that of the offered Services the list and opportunities can are to limit, to depend upon Customer's computer or other technical of means, contact of quality Customer's location from the place Company carried out by technical service from works and other of factors. Company can to add or reduce by System/App of operations provided the frame as also to stop or suspend System/App availability (that including resolving System/Application provisioning contract) technical service works to carry out or other reasons.
· Company's responsibility is no wearing Customer's Individual data, including login name, password third persons to reveal available to become caused to the Customer as a result damages for Customer commits Companyt he keep someone away from any requirements, those arose are System/App during operation third persons of actions as a result:
· Company responsibility no wearing Customer's final equipment or electronic communications network failure or interruption, or third unauthorized access of persons as a result Caused by the customer damages for, so the Client needs is on its own implement her local network (Companywith from the demarcation point after placed) ability to work provisioning and networking equipment protection.
· For security the customer reports his willingness Company immediately to report appropriate authority persons without by its own System/Application to use through Personal. range to log in or like about the experience and/or itself Personal appropriate through domain authority without persons to make a transaction by or like experience about.
· Customer's safety considerations: Company provide is security reliable application of funds. However Customer informed is that Using the System/App is his with risk, and Company responsibility no wearing System/Application Usage with connected contact breakdowns, data loss, how also System/App from use derived from her (customer's) data / or his (Customer's) any other losses and damages for.
· Companyi's responsibility is no wearing Customer's Personal data received of assignments or Personal dats implemented through the domain other actions or of inactivity for, times if prove that those actions have been performed are Customer's Personal range to log in and actions to implement unauthorized persons from Company's responsibility no wearing Customer's presented by inaccuracy of information, incomplete presentation and/or the Terms safety non-compliance with the rules as a result Customer's damages for.
Customer's consent
I hereby give my consent to "Sil Insurance" ICJSC making requests to the "Nork" Social Services Technology and Awareness Center" fund and I ask the latter to provide the Company with information about me, which may be related to signing an appropriate contract with me. When making a decision, as well as in the case of signing insurance and other contracts, at any time during the validity of the given contract, the latter should provide the Company with information about me.
I certify that I have read the agreement, familiarized myself with the notice, which are completely understandable and acceptable to me.
Other terms
⦁ Agreeing to these Terms or registering in the Application does not create an obligation for the Company to provide an insurance service.
⦁The company may place the trademark, brand name and other objects protected by copyright in the System/Application of the Company or the organization cooperating with the latter. All these objects are protected by RA legislation, and their illegal use may lead to consequences provided for by RA legislation.
⦁Changes to the Terms come into force by the Company sending a notification to the Customer in accordance with the Terms. Moreover, if the Client does not agree with the changes, then the Client's registration is automatically considered terminated, and the obligations to the Company remain valid until their proper and complete fulfillment.
⦁The Parties hereby regulate the procedure for resolving disputes between themselves. Disputes and disagreements are resolved by arbitration, submitting the case to the "Financial Arbitration" institution of the Union of Companies of Armenia, in accordance with the RA Law "On Commercial Arbitration", the Charter of "Financial Arbitration" of the Union of Companies of Armenia and the "Regulations of Financial Arbitration". The Sides specify that the composition of the Arbitrators is formed in accordance with the "Financial Arbitration Regulations" of the Union of Companies of Armenia effective at the time of the dispute. The language of the arbitration proceedings is Armenian, the place of arbitration is Yerevan. The parties agree that the examination of the dispute will be carried out only on the basis of written materials, without conducting an oral examination. The parties are informed that the Charter of "Financial Arbitration" and "Regulations of Financial Arbitration" of the Union of Companies of Armenia can be found on the website of the Union of Companies of Armenia, www.uba.am, as well as from the Company. Disputes are resolved according to the norms of material law of the Republic of Armenia. This dispute resolution provision does not deprive the Parties of their right to resolve disputes in court. Hereby, the Parties also agree that in the case of settling the dispute by court order, in the cases defined by the RA legislation, the trial will be conducted in a simplified procedure.
Head 2. Services conditions
The services are a public offer, which is considered to be accepted by the Customer from the moment the Customer approves/signs/validates the Application (Application-contract) or the order in the model/standard form defined by the Company.
The Company offers the following services:
The terms and conditions of all services provided by the Company's Application are posted on the Company's website: www.silinsurance.am.
Upon discrepancies between the English and the Armenian versions of the published information, the Armenian version shall prevail.
“Sil Insurance” ICJSC shall be waived from the liability of the links within the website that lead to other websites, their content accuracy, truthfulness, the advertisements put there, as well as possible circumstances of the information put on the website.
Հայաստանի Ավտոապահովագրողների Բյուրոյի խորհրդի սույն թվականի հունվարի 26-ի թիվ 5-Լ որոշման համաձայն` 2023 թվականի ապրիլի 1-ից ԱՊՊԱ ոլորտում կիրառվող բոլոր ապահովագրավճարները հաշվարկվելու են Ապահովագրական ընկերությունների կողմից մշակված գնագոյացման մոդելների (այսուհետ՝ Մոդել) հիման վրա։ ՍԻԼ ԻՆՇՈՒՐԱՆՍ ԱՓԲԸ մոդելի հիման վրա հաշվարկված բազային ապահովագրավճարները տատանվում են 24,000 – 82,000 ՀՀ դրամի սահմաններում, որի վրա կիրառելով պայմանագրի ժամկետից կախված կարգավորիչ գործակիցները և Ապահովադրի ԲՄ դասին համարժեք գործակիցը ստացվում է վերջնական ապահովագրավճարը։ Մոդելի հաշվարկման հիմքում ընկած են Ապահովադրի գրանցման մարզը, ՏՄ մակնիշը և այլ ռիսկային գործոններ, որոնց առավել մանրամասն կարող եք ծանոթանալ և հաշվարկել Ձեր ՏՄ–ի ապահովագրավճարը ստորև ներկայացված հաշվիչի միջոցով։
* You can get information on your current bonus-malus class online through CMTPL online surveys section located on Bureau’s website.
In case of inquiries regarding the CMTPL calculator please call us at (+37460) 54-00-00, or email at [email protected], or visit the Company’s office at 3 and 5 Aram St., Yerevan, RA.
