The exclusive property rights of intellectual ownership for the mobile application “myUNIQA Ukraine” (hereinafter – the “Application”), including all rights necessary and sufficient for its administration, providing access to it, and granting permission for its use, belong to Private Joint-Stock Company “Insurance Company UNIQA” and Private Joint-Stock Company “Insurance Company UNIQA LIFE”, which are members of the Non-banking Financial Group “UNIQA Ukraine”.
Registered address of PJSC “IC UNIQA”: 04112, Kyiv, 6 Olena Teliga Street, building “V”, block 4, EDRPOU code 20033533.
Registered address of PJSC “IC UNIQA LIFE”: 04112, Kyiv, 6 Olena Teliga Street, building “V”, block 4, EDRPOU code 34478248.
- Definitions
- Mobile application “myUNIQA Ukraine”
- User Agreement on the Terms of Use of the Mobile Application “myUNIQA Ukraine” – this agreement that establishes the terms of use of the Application and the rights and obligations of the Parties, as well as all subsequent amendments and additions thereto.
- User – an individual with full civil capacity who lawfully uses the Application (not for profit) by creating a corresponding account within the Application. By default, a User is an adult individual who has reached 18 years of age.
- Account – a set of information about the User (or a person legally represented by the User) and data for registration and authorization entered by the User into the Application during registration, authorization, and further use.
- General Provisions
- This User Agreement on the Terms of Use of the mobile application “myUNIQA Ukraine” (hereinafter – the “Agreement” or the “User Agreement”) governs the relationship between Private Joint-Stock Company “Insurance Company UNIQA” (EDRPOU code 20033533), registered at 6 Olena Teliga Street, building “V”, block 4, Kyiv, 04112 (hereinafter – “PJSC IC UNIQA”), Private Joint-Stock Company “Insurance Company UNIQA LIFE” (EDRPOU code 34478248), registered at the same address (hereinafter – “PJSC IC UNIQA LIFE”), and the person using the mobile application “myUNIQA Ukraine” (hereinafter – the “User” and the “Application” respectively). PJSC IC UNIQA, PJSC IC UNIQA LIFE, and the User are hereinafter collectively referred to as the “Parties.”
- The terms of this Agreement constitute a public offer in accordance with Article 633 of the Civil Code of Ukraine, and the use of the Application is possible exclusively under the terms of this Agreement. This offer is a public adhesion contract, meaning that, pursuant to Articles 633 and 634 of the Civil Code of Ukraine, its terms are identical for all Users.
- According to Articles 638 and 642 of the Civil Code of Ukraine, if a party agrees to the terms (acceptance) of this offer, it must provide all necessary initial data required by PJSC IC UNIQA and PJSC IC UNIQA LIFE in the Application and agree to the terms of this Agreement. In such a case, the Agreement shall be deemed concluded.
- This Agreement is an open and publicly accessible document. The current version of the Agreement is available at: https://uniqa.ua/about_us/umovi-vikoristannya/
- The Users of the Application are individuals only.
- The Application is a program developed for mobile devices running on “iOS” and “Android” operating systems. The Application can be downloaded for Android OS via PlayMarket and for iOS via the AppStore.
- PJSC IC UNIQA and PJSC IC UNIQA LIFE provide the User with the right to use the Application free of charge.
- Before using the Application, the User must read this Agreement and accept its terms. It is presumed that by accepting the terms of this Agreement, the User has familiarized themselves with its content, understands its provisions, and agrees to comply with them. A User who disagrees with this Agreement has no right to use the Application.
- By agreeing to the terms of this Agreement, the User confirms their legal capacity and competence, the accuracy of the data provided during registration, and bears responsibility for their correctness, completeness, and compliance with applicable law.
- This Agreement may be amended and/or supplemented unilaterally by PJSC IC UNIQA and PJSC IC UNIQA LIFE. The Companies shall notify the User by publishing the amendments/additions or the new version of the Agreement on the website at https://uniqa.ua/about_us/umovi-vikoristannya/ no later than ten (10) calendar days before such changes take effect. Continued use of the Application after such amendments implies the User’s acceptance of them. If the User disagrees with the updated version of the Agreement, they must stop using the Application.
- Requests, suggestions, and claims from individuals to PJSC IC UNIQA or PJSC IC UNIQA LIFE related to the content or functioning of the Application, violations of third-party rights and interests, or non-compliance with Ukrainian legislation, may be sent to the following email address: quality@uniqa.ua
- This Agreement is drawn up in accordance with the legislation of Ukraine. Any matters not regulated by this Agreement shall be resolved in accordance with Ukrainian law.
- The User assumes all possible risks related to mistakes or inaccuracies in the data they provide.
- The User grants PJSC IC UNIQA and PJSC IC UNIQA LIFE the right to send them notifications containing information about the Application, the services of PJSC IC UNIQA, or advertising content.
- Functional Capabilities of the Application
- The mobile application “myUNIQA Ukraine” is designed to provide convenience and accessibility of services for clients of PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE”. It offers a number of advantages and allows Users to manage their account, receive necessary information, and access support at any convenient time.
- To ensure proper operation of the Application, the User must grant it access during use to the following information and mobile device functions, as well as maintain the technical specifications and system requirements, including:
- personal data;
- phone status data;
- photos / media / files;
- device storage;
- Wi-Fi connection data;
- device identifier;
- Internet connection;
- retrieving data from the Internet.
- The Application allows the User, through a mobile device and Internet connection, to register and log in, create a personal Account, and, if the User is a client of PJSC “IC UNIQA” or PJSC “IC UNIQA LIFE”, use insurance services in accordance with the current insurance agreements.For these purposes, the Application provides the User with all the necessary functionality, which includes, but is not limited to, the following features:
- registration in the Application by providing all initial data required by PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE”;
- authorization in the Application using a phone number and date of birth;
- viewing all personal insurance contracts and key information related to them;
- submitting an application for a doctor’s appointment;
- submitting an application to confirm a self-booked doctor’s appointment;
- conducting an online consultation with a doctor;
- receiving a doctor’s conclusion based on the consultation results;
- accessing the full history of medical insurance cases (treatment history);
- receiving notifications;
- viewing personal information in the Account;
- sending a request to technical support;
- deleting the Account;
- opening and saving printable versions of insurance contracts for all existing policies.
- User Rights and Obligations
- The User undertakes to properly comply with the terms of this Agreement.
- The User is granted the right to use the Application exclusively for personal purposes to receive services provided under the insurance contract. The Application may only be used in accordance with the terms of this Agreement.
- The User undertakes not to use the Application in violation of the rights or legitimate interests of PJSC “IC UNIQA”, PJSC “IC UNIQA LIFE”, other rights holders, third parties, or the provisions of this Agreement.
- The User shall take appropriate measures to ensure the security of their mobile device and bears personal responsibility if third parties gain access to it.
- The User may register in the Application by creating a personal Account, which may contain data both about the User and about their minor child.
- Registration in the Application is possible only upon agreeing to the Privacy Policy of the “myUNIQA Ukraine” mobile application and this Agreement.
- The use of the Application is only possible after the User has downloaded it to a smartphone (or similar device), registered, and created a personal Account.
- The User is prohibited from performing any unauthorized actions with the Application, including decompilation, reverse engineering, hacking of functionality, or other unauthorized bypass of technological protection measures.
- The User bears responsibility for any use of the Application in ways not expressly permitted by this Agreement.
- The User undertakes to provide PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” with accurate and truthful information during registration and further use of the Application.
- The terms of use of the Application specified in this Agreement may be amended and/or supplemented unilaterally by PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE”. Continued use of the Application after such amendments constitutes the User’s consent to them; therefore, the User must regularly review updates.
- The conditions for processing the User’s personal data are provided in the Privacy Policy of the “myUNIQA Ukraine” mobile application.
- The User is prohibited from sending through the Application any materials of an advertising or offensive nature, or materials unrelated to the purpose of the Application.
- If, while using the Application, the User becomes aware of information about PJSC “IC UNIQA”, PJSC “IC UNIQA LIFE” and/or third parties that is considered confidential or constitutes a trade secret under the legislation of Ukraine, the User is prohibited from storing, using, or disseminating such information.
- Rights and Obligations of PJSC "IC UNIQA" and PJSC "IC UNIQA LIFE"
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” have the right to transfer their rights and obligations under this Agreement to third parties for its execution without additional consent from the User.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” have the right to send the User any information related to the operation of the Application, including advertising, informational, and other messages, to the email address or phone number provided by the User, or by posting such information within the Application itself.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” grant the User the right to use the Application free of charge.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” have the right to block the User’s access to the Application or parts of it in case of violation of this Agreement by the User.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” may, without prior notice, limit, suspend, or terminate the User’s access to the Application without compensation for losses, including cases where the Companies have reasonable grounds to believe that the User or their affiliates (intentionally or unintentionally):
- violate the law, the provisions of this Agreement, or the rights of third parties while using the Application;
- use the Application in bad faith or contrary to its intended purpose;
- damage the Application or its functionality;
- attempt unauthorized access to the Application or information contained within it;
- create a threat to the technical and/or software systems of PJSC “IC UNIQA”, PJSC “IC UNIQA LIFE”, and/or third parties.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” may, without prior notice, limit, suspend, or terminate the use of the Application in accordance with orders or decisions of state or other authorized bodies, or in other cases provided by Ukrainian law or international regulations.
- The Parties undertake to take all necessary measures to ensure the security and protection of information and documents exchanged in or made available through the Application.
- The User shall independently take all necessary measures to maintain confidentiality, prevent unauthorized use, and protect personal data from access by third parties.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” undertake to maintain the confidentiality of the User’s personal data and any other information obtained in connection with the use of the Application, except in cases provided by applicable law.
- Warranties and Liability of the Parties
- The User guarantees that they will not take any actions aimed solely at causing damage to PJSC “IC UNIQA”, PJSC “IC UNIQA LIFE”, the rights holders, or any other persons.
- It is presumed that all actions performed within the Application installed on a smartphone (or other device) are carried out by the User as the owner of the respective Account. The User independently monitors the use of the Application and takes measures to prevent access by third parties.
- The User bears full responsibility for any unauthorized access by third parties to the Application installed on their mobile device.
- In the event of a violation of the rules of use of the Application, the User’s obligations under this Agreement, or clause 4 of this Agreement, the User shall compensate PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” for all damages in full.
- In case of loss, deletion, or damage to information entered by the User in the Application as a result of their actions/inaction, the User bears full responsibility.
- The Application is provided by PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” “as is”. The Companies ensure its operation as intended but do not guarantee that the Application will meet the User’s personal goals or expectations, or operate without interruption or error. PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” are not liable for any unauthorized access by third parties, errors, malfunctions, viruses, or other defects and disruptions in the Application, or their consequences, including but not limited to: actual damages, lost profits, moral harm, or damage to honor, dignity, and business reputation.
- All information collected by the Application is protected by technical and security measures to prevent unauthorized access or use of data.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” are not responsible for any damage or loss suffered by the User or third parties resulting from misunderstanding or misinterpretation of the terms of this Agreement.
- PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” bear no liability:
- for the inability of the User to use the Application due to technical difficulties not caused by the rights holders (lack of power supply, absence of Internet connection, poor Internet quality, etc.);
- for technical interruptions or errors in the Application’s operation due to absence of an Internet connection;
- for data loss and/or other harm caused by software independently installed by the User on the device where the Application is installed;
- for data loss resulting from improper use of the Application by the User;
- for granting third parties access to the User’s personal data (login, password, etc.) and any subsequent data loss caused by such access;
- in other cases where PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” are not at fault.
- Intellectual Property Rights
- The intellectual property rights to the Application belong to PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE”, which are members of the non-banking financial group “UNIQA Ukraine”. Use of the Application by other persons without the consent of PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” is prohibited, including for commercial purposes.
- The intellectual property rights to the name of the Application (“myUNIQA Ukraine”) belong to PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE”. Use of the designation “myUNIQA Ukraine” by other persons without their consent is prohibited.
- The User is not entitled to perform decompilation, reverse engineering, translation, adaptation, or any other modification of the Application, or to reproduce the results of such actions.
- The User may not use the Application for any purpose other than its functional intent and in accordance with the terms of this Agreement, nor reproduce the Application in whole or in part, by any means or in any form, except as required for its intended use.
- Any violation of the intellectual property rights to the Application constitutes a breach of this Agreement and entitles PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” to terminate it unilaterally and recover damages caused by such infringement in accordance with the applicable legislation of Ukraine.
- Final Provisions
- In the event of any disputes or disagreements arising in connection with the performance of this Agreement, the User and PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE” shall make every effort to resolve them through negotiations. If the disputes cannot be resolved through negotiation, they shall be settled by the competent court at the location of PJSC “IC UNIQA” and PJSC “IC UNIQA LIFE”, respectively.
- None of the Parties to this Agreement shall be held liable for failure or improper performance of their obligations under this Agreement if such failure was caused by force majeure circumstances.
- This Agreement enters into force for the User from the moment the User accepts its terms and remains valid until the User’s Account is deleted.
- This Agreement is drawn up in the Ukrainian language.
- If any provision of this Agreement is found to be invalid, this shall not affect the validity or enforceability of the remaining provisions.