Legal notice

Legal notice

Pursuant to Law 34/2002 of 11 July on Information Society Services and E-Commerce (hereinafter the “LSSI” for the Spanish) we inform you that the CONSORCIO DE COMPENSACIÓN DE SEGUROS E.P.E., which has the tax identification code Q282611E and its registered address at Paseo de la Castellana no. 32, 28046, Madrid (Spain), is the owner of the website at


Purpose of the website and general conditions of use

The World Forum of Catastrophe Programmes provides a gathering place for various different natural catastrophe insurance systems from around the world that have public participation. The potential usefulness of sharing information of this kind to other institutions, organisations and the public in general who are interested in managing natural catastrophes, particularly as regards insurance cover for such hazards, led those involved in the World Forum of Catastrophe Programmes to set up this website. The participants in the World Forum of Catastrophe Programmes entrusted the Consorcio de Compensación de Seguros E.P.E. with developing and running the website. The Consorcio de Compensación de Seguros E.P.E. therefore makes this website available to internet users with the aim of fomenting a voluntary exchange of ideas, experiences and practices as regards insurance schemes for natural catastrophes in the world that can draw on public involvement.

This website is purely intended to serve informative ends and is completely free of any profit motive or commercial interest. The texts and documents contained on this website are exclusively informative and carry no legal validity.

Should you not agree with adhering to the terms and conditions set out here, you are kindly asked not to use this website.


Discretionary powers of amendment

As owner of this website, the Consorcio de Compensación de Seguros E.P.E. at any time and without prior warning amend these terms and conditions by publishing notice thereof on the website so that users may be made aware of such a situation, as well as for the sake of both improving the content hereof and providing users with a better service.


Intellectual and industrial property

All the content on display at and, in particular, any designs, texts, graphics, logos, icons, buttons, software, trade names or marks, industrial drawings or any other signs that might lend themselves to industrial and commercial exploitation, are subject to industrial and commercial property rights that belong to the Consorcio de Compensación de Seguros, participants in the World Forum of Catastrophe Programmes or, as applicable, to third party holders thereof who have appropriately authorised their inclusion on the website.

With respect to the content of this website, in no case shall it be understood that any licence is being granted or any waiver or transfer of rights effected, either wholly or in part, as regards intellectual and industrial property rights.

Consultation is free of charge in both senses and users may download documents and copy pages as long as mention is made of the source, together with the date of the download or copying, this being on the condition that the content is neither altered nor distorted. Under no circumstances is authorisation granted for the marketing of any of the website content by third parties, regardless of the format or manner of distribution which this may take.

Authorisation is only given to setting up links to the home page of the website at The use of “deep linking” or other, similar techniques is expressly forbidden. Portals of third parties that contain hyperlinks with this website must allow free access and the ability to browse at will across the entire website without any restrictions or altering the content and/or appearance thereof. The setting up of such links by third parties should not be understood to be expressly authorised and under no circumstances should this necessarily imply that there is any kind of relationship between us and the third party concerned. We shall not accept any responsibility in relation to the content, intentions, reliability or use of websites that set up hyperlinks of this kind. In all cases, such websites must not display unlawful content or indeed any which runs counter to standards of common decency and public order or which operates to the detriment of the rights of third parties.


Obligations of users

Users agree to comply with these conditions of use both in general and as regards any special conditions that might apply, as well as to heed the specific warnings or instructions contained therein or in any other place on the website and always to act in accordance with the law, decent behaviour and the dictates of good faith, while exercising diligence in keeping with the nature of the service and refraining from using the website in any way which might prevent, compromise or impair its normal functioning or the property or rights of the Consorcio de Compensación de Seguros E.P.E., participants in the World Forum of Catastrophe Programmes, its providers, collaborators, users or, generally, any third party.

In visiting this website, as well as while services are being provided, users undertake (by way of illustration, though not confined to this) to:

  • Supply truthful information when filling out forms.
  • Take due care to safeguard any passwords to enter the private area that may be provided by the Consorcio de Compensación de Seguros and commit to not letting them be used by third parties, as well as accept liability for any harm or detrimental consequences that might arise from improper use of them. Users likewise agree to notify the Consorcio de Compensación de Seguros E.P.E. as swiftly as possible of the loss or theft of any passwords, as well as any risk of a third party obtaining information in relation to the system of access.
  • Not use false identities or impersonate the identity of others in using the website, which also extends to any use of passwords or access codes that belong to others or any other way of doing this.


Exclusion concerning guarantees and liability

Access to the website at may occasionally be suspended or restricted to allow repair or maintenance work, or the addition of new facilities or services. The Consorcio de Compensación de Seguros E.P.E. make all reasonable endeavours to limit the frequency and duration of any such suspension or restriction. Notwithstanding this, it may suspend, remove or partly or wholly cancel content and services that are not subject to specific contractual agreement at any time and without any need for prior warning. This provision shall not affect any services that have been specifically contracted by registered users and these shall be regulated by the relevant terms and conditions.

The connection to the internet that is required to access the service shall under no circumstances be provided by the Consorcio de Compensación de Seguros E.P.E. Users are advised that data transmission via open networks is not secure and that it is their responsibility to take all appropriate technical steps to take reasonable control of the risks and avoid any potential damage to their computers, loss of data and theft of confidential information. To this end, they must have updated systems in place to detect malicious software as well as keep the particular security patches for the browsers they use up-to-date. For further information, users can contact their internet service provider.

The Consorcio de Compensación de Seguros E.P.E. not accept liability for any harm that might arise from the following phenomena, to name but a few for example’s sake: (i) Interferences, omissions, interruptions, computer viruses, crashes and/or disconnections involving the operational functioning of this electronic system or the computer devices or equipment of users and which are due to causes not attributable to the Consorcio de Compensación de Seguros E.P.E. prevent or delay the provision of services or browsing across the system; (ii) Delays to or the blocking of use which are caused by failings or overloading / surges that affect the internet or other electronic systems; (iii) Any which might be caused by third parties via intrusion not attributable to the Consorcio de Compensación de Seguros E.P.E. ; (iv) Provision of the service or access becoming impossible for reasons not attributable to the Consorcio de Compensación de Seguros E.P.E. , whether this is due to users, third parties or cases of force majeure.

The links on this website may redirect to third-party web pages. The Consorcio de Compensación de Seguros E.P.E. does not accept any liability that derives from the connection to, or content, information or services that might appear on, said websites, which shall be purely informative and in no way imply any relationship between the Consorcio de Compensación de Seguros and the persons or organisations who own such content or the website on which it is to be found.

Neither the Consorcio de Compensación de Seguros E.P.E. the participants in the World Forum of Catastrophe Programmes accept legal liability for any harm or prejudicial consequences arising to users from access to and the use of both data and other content on the website.

The use of any part of the website in a manner that is fraudulent, illegal or prejudicial to us or third parties shall entitle us to take any relevant legal action.


Applicable legislation and jurisdiction

The terms and conditions which govern this website and any relations resulting from it are protected by Spanish jurisdiction. With respect to any dispute that derives from access to, or the existence, utilisation or content of the website, both the user and the Consorcio de Compensación de Seguros E.P.E. waive any other jurisdiction to which they may be entitled and shall subject themselves exclusively to that of the courts of Madrid.