Terms and Conditions of Use

Last updated: June 2025

1. Platform Operator

United Insurances Worldwide, represented by Francisco Viloria, operator of Global Insurance Mall.

Contact: pachoviloriainsurances@gmail.com | WhatsApp: +57 324 367 5333

2. Nature of the Service

Global Insurance Mall is a free comparison and referral platform for travel insurance, international health plans, and related services. We act as affiliate intermediaries for the providers listed on the site.

• We are not an insurer and do not issue policies directly.
• Any policy purchased constitutes a contract exclusively between you and the chosen provider.
• Use of the platform is completely free for the end user.

3. Acceptable Use

You agree to use the site solely for lawful and personal purposes, not to reproduce or modify content without express authorization, and to provide truthful information when contacting us.

4. Intellectual Property

All content on this site (texts, design, logo, code) is the property of Global Insurance Mall or its licensors. Provider logos and trademarks belong to their respective owners.

5. Affiliate Links

Links to providers are affiliate links. We may receive a commission from the provider when you purchase through them, at no additional cost to you and without conditioning our recommendations.

6. Limitation of Liability

Global Insurance Mall is not responsible for:

• The accuracy, availability, or pricing of third-party products.
• Decisions made based on the information on this site.
• Technical interruptions or errors on the site.
• Issues in the delivery of insurance coverage by the contracted provider.

7. Applicable Law and Jurisdiction

The law applicable to each insurance or service contract shall be that of the place of residence of the freely chosen service provider. Global Insurance Mall acts solely as an intermediary and does not impose jurisdiction over contracts between the user and affiliated providers.

For matters related exclusively to the use of this platform and the relationship with Global Insurance Mall, the laws of the country of residence of the operator shall apply.

8. Legal and Ethical Compliance

Global Insurance Mall is committed to full compliance with applicable local and international laws, including but not limited to:

• E-commerce: National and international regulations on digital transactions and electronic contracts.
• Due Diligence: Reasonable verification of providers and services offered on the platform.
• Anti-Money Laundering (AML): Compliance with applicable FATF/GAFI standards and local regulations.
• Anti-Corruption: Absolute rejection of corrupt practices in any form.
• Counter-Terrorism: Compliance with international sanctions lists and anti-terrorism financing regulations.
• Data Protection: Colombian Law 1581 of 2012 and GDPR where applicable.

9. Modifications

We reserve the right to modify these terms at any time. Continued use of the site implies acceptance of the current terms.

10. Our Mission and Values

Global Insurance Mall was born with a purpose beyond business: we promote a more humane, responsible, safe, and collaborative world.

• Unconditional respect for the law, truth, ethics, and global justice.
• Financial, family, and asset protection for our clients.
• Support for peace, social causes, and respect for human dignity.
• Commitment to the environment and the well-being of all living beings.
• Fostering a transparent, fair, and accessible services ecosystem for everyone.

11. Contact

pachoviloriainsurances@gmail.com | WhatsApp: +57 324 367 5333