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Website Terms of Use:

This website has been designed to be accessed by web users. Occasionally areas of the site are password protected and access is restricted to particular users who have chosen to register personal details with us. This is aimed, amongst other things, to protect the personal data that they have provided to us from public access.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures in relation to this site, you must treat such information as confidential. You must not disclose it to any third party.

We reserve the right to cancel or de-activate any user identification code or password, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use or any other term or policy set out on this site or in our contracts.


All rights reserved (text and images). This website is intended for private use only, as well as for information purposes. If you are permitted to and/or do print or download any materials from these pages, other than for personal use, then do not alter, edit, manipulate or deface the pages or other materials printed or downloaded. Where you are permitted to use the materials, you must always acknowledge IOMA Insurance as the author of the Materials and state that you have sourced it from this website.

You should also inform any person you share materials with that these terms apply to them and that they must comply with them. Full or partial reproduction of the content of our website for public or commercial purposes is prohibited without our prior written consent.

IOMA Insurance and/or its licensors are the owners of the copyright and database rights in this site, except where specifically stated otherwise, including without limitation, content data, design, images, graphics, texts, software and underlying source codes. IOMA Insurance is the owner of all its trademarks, service marks, trade names, logos and devices appearing on the site, whether registered or unregistered, except where specifically stated otherwise. GIOMA Insurance reserves it rights under any applicable law relating to the materials and content available on this site.

Accuracy and validity of information:

All pages on this website have been compiled with the utmost care and to the best of our knowledge. Our employees review and update them continuously. We cannot, however, guarantee that all the information given is complete and correct. We reserve the right to add to our website, and to modify or delete specific items of information at any time. For binding information on our products and services, please refer to our policies and our general and specific terms and conditions of insurance or contactIOMA Insurance directly.

IT problems and viruses:

You use the Internet at your own risk. This applies equally to e-mails and to links that lead you to the our website or to the links we offer you. We cannot accept any liability whatsoever for direct or indirect prejudice suffered by website users or third parties through any contacts or transactions established via the Internet. Liability is excluded in particular for transmission errors, technical defects, faults or interruptions of the telephone network, illegal interference with network facilities, infection with viruses, copying and falsification of data and contents, network overload, failure to detect falsifications, possible lack of authorisation and blockage of electronic access by third parties. You must not attempt to gain, or allow others to gain, unauthorised access to this site. You must not interfere or tamper with the normal operation or the security of any pages on the site.

Personal information and Internet Security:

IOMA Insurance is subject to particularly stringent data-protection regulations as we are party to detailed information on the state of your health, i.e. particularly sensitive personal data. All staff are duty bound to maintain absolute confidentiality with regard to data concerning your person. “Personal Information” is information that can identify you or be used to contact you. Examples include your name, mailing address, billing address, telephone number, birth date, age, email address, and credit card account information. IOMA Insurance only collects Personal Information that Visitors or Customers voluntarily provide. If you do not want to give us any Personal Information, you can always choose not to participate. The choice is yours.

Transactions over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet.

Collection of Non-Personal Information – Cookie Policy:

“Non-personal Information” is information about you that is not personally identifiable, such as Internet Protocol (IP) address, browser type, host operating system, and other basic website statistical information that cannot identify a particular person. IOMA Insurance automatically collects various items of non-personal information whenever the website is visited.

Like many other websites, “cookies” and similar tools are there to help improve the user’s experience on our website. “Cookies” are small files that recognize repeat visitors. You should be able to control the use of cookies through your internet browser. Whether or not to allow cookies is your choice. If you decide to block the use of cookies, then certain aspects of our web site may not be available to you or function as designed.


We reserve the right to update these terms from time to time without notice to you. We recommend you regularly revisit this page to ensure you have seen and are aware of our latest terms.