Terms conditions

Terms and conditions of use


Welcome to our website. We maintain this website as a service for our registered members. In using our website, you agree to adhere to and be bound by the following terms of use. You are kindly asked to carefully read over the terms below. If you do not agree with these terms, you should not use this website.


1.- Acceptance of the “Terms and Conditions of Use”

You accept the terms and conditions of use for this website in this agreement. This represents the entire and sole agreement between you and us, and replaces any previous or simultaneous agreements which there might have been in connection with this website. These terms and conditions may be amended at any time and without prior warning by publication of any such amendments on the website so that they can be made known to users.


2.- Intellectual and industrial property

All the content on display at www.wfcatprogrammes.com 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 E.P.E., 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.

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.

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.

Authorisation is only given to setting up links to the home page of the website at www.wfcatprogrammes.com. 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.


3.- Publication, deletion and modification

At our sole discretion we reserve the right to edit or remove any document, information or other content that appears on the website.


4.- 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., members of 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 E.P.E. 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.


5.- Exclusion from liability

The connection to the internet that is required to access the service shall under no circumstances be provided by us. 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.

We do 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 us and 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 us; (iv) Provision of the service or access becoming impossible for reasons not attributable to us, 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. We do 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 us and the persons or organisations who own such content or the website on which it is to be found.

You shall have to pay compensation, as well as release us from any liability, on account of any liability, loss, claim and expenses associated with infringement of these terms and conditions of use.

The participants in the World Forum of Catastrophe Programmes do not 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.


6.- Privacy policy

We inform you that, pursuant to the General Data Protection Regulation and other applicable legislation in effect, the controller of your personal data is the Consorcio de Compensación de Seguros E.P.E., which has the tax identification code Q282611E and is domiciled at Paseo de la Castellana no. 32, 28046, Madrid (Spain).

We process your data for the purpose of being able to register your user as a member of the website and providing you with the credentials to access the private area. This processing is made lawful via performance of the contract between you and the Consorcio de Compensación de Seguros E.P.E. was entered into by accepting the terms and conditions of use of the website.

Your data shall only be passed on to third parties in the event of some legal obligation and shall be stored for as long as you remain a member of our website.

The processing of collected personal data shall be carried out using the technical and organisational measures that are required to avoid the loss, improper use, alteration and unauthorised access thereof, having both taken into account state-of-the-art technology as well as the nature of the data and run a risk analysis.

You may exercise your data protection rights by contacting our Data Protection Officer in writing at the postal address at Paseo de la Castellana no. 32, 28046, Madrid (Spain), or by emailing the latter at dpo@consorseguros.es.

The user agrees to inform the Consorcio de Compensación de Seguros about any change to the information furnished. To give such notification, you can email our Data Protection Officer at dpo@consorseguros.es.

Registered users likewise undertake to keep their passwords and identification codes secret, as well as to advise the Consorcio de Compensación de Seguros E.P.E. in the event of any loss or theft thereof or unauthorised access.

While such notification is not given, the Consorcio de Compensación de Seguros E.P.E. remain exempt from any liability that might arise from inappropriate use of such passwords and identification codes by unauthorised third parties.

For further information, please, consult our privacy policy.


7.- Copyright

We respect the intellectual property of others and we would ask you to do the same. If you believe that your work has been reproduced in a manner which represents a breach of copyright, please, contact us by email at estudiosrrii@consorseguros.es and provide us with the following information:

  1. An electronic or a physical signature of the person who is authorised to act in the name of the proprietor of copyright interests.
  2. A description of the work that is protected by copyright which you claim to have been infringed.
  3. A description of the location where you are claiming that the material that infringes your copyright is.
  4. Your address, telephone number and email address.
  5. A statement by you which establishes in good faith that the use of the material in dispute has not been authorised by the owner of copyright, the representative thereof or in law.
  6. A statement by you which says that the above information is correct and that you are the owner of copyright or authorised to act on behalf of the proprietor of copyright.


8.- Applicable law 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.

If any part of this agreement is held to be invalid or unenforceable, said part shall be interpreted in accordance with applicable law, while the other terms and conditions shall remain fully valid and effective.

The texts and documents contained on this website are exclusively informative and carry no legal validity.