Terms of Use — unam.md
Version: 2.0
Last updated: 20 August 2026
Effective date: date of publication on the website
Version history: v2.0
1. About us
The website unam.md is operated by:
2. Definitions
Website — the web resource available at unam.md, including all its pages and language versions.
Association, we — the Public Association „Uniunea Asigurătorilor din Republica Moldova”.
User, you — any person who accesses the Website or uses its functionality.
Member — an insurance or reinsurance company belonging to the Association, as listed in the „Members” section.
Content — the texts, articles, informational materials, images, graphic elements, names and logos published on the Website.
3. Acceptance and amendment of these Terms
3.1. By accessing and using the Website you confirm that you have read this document and accept it. If you do not agree with these Terms, please do not use the Website.
3.2. We may amend this document. The version in force, together with the date of the update, is permanently displayed in the header. Continued use of the Website after a new version is published constitutes acceptance of that version.
3.3. Amendments do not apply retroactively to enquiries submitted before the new version was published.
4. Purpose of the Website and the role of the Association
4.1. The Association is a professional association of insurance and reinsurance companies, established under Article 56 of Law No. 92/2022 on insurance and reinsurance activity, which provides that insurance or reinsurance companies may unite in professional associations to represent their collective interests, study matters of common interest, promote cooperation, inform their members and the public, and organise services of common interest.
4.2. The Website serves an informational and educational purpose. Through it we publish news, explanatory materials about types of insurance, and information about the activity of the Association and its members.
4.3. The Association is not an insurer, an insurance broker or an insurance agent. Accordingly:
4.4. The information published on the Website is general in nature, is addressed to the public at large and does not take into account the individual circumstances of any person. It does not constitute a public offer, or legal, financial or insurance advice, and it cannot replace the contractual terms of a specific product, which are set out solely in the documents issued by the insurer.
4.5. Market terms, tariffs and practices change. Always verify current information directly with the competent source before making a decision.
5. Use of the Website
5.1. The Website may be consulted freely, without registration and without creating an account.
5.2. You undertake not to use the Website to transmit false or misleading information; to carry out actions affecting the operation, security or availability of the Website; to gain unauthorised access to systems or data; to perform mass automated collection of Content; or to transmit unsolicited advertising, unlawful or offensive material.
5.3. Where actions affect the operation of the Website or the rights of other persons, we may restrict access from the IP addresses involved and notify the competent authorities.
6. The „Ask your question” form
6.1. The form is intended for general questions about insurance and about the activity of the Association. The answer is prepared by an employee of the Association and is informational in nature, within the limits of clauses 4.3 and 4.4.
6.2. Your name, telephone number and e-mail address are required in order to submit a question. The data is processed in accordance with the Privacy Policy.
6.3. Please do not include in your question health data, data on criminal convictions or court proceedings, identity document data (personal number, document series), banking or card data, or data relating to other persons. Such information is not necessary for a general answer.
6.4. If you nevertheless provide another person's data, you confirm that you are entitled to do so and that you have informed that person of the transfer of their data to us.
6.5. We do not guarantee a response time and reserve the right not to reply to messages that fall outside the scope of the Association's activity or that are commercial, promotional, offensive or repetitive.
6.6. The answer provided does not create a contractual relationship between you and the Association and does not bind any insurance company.
7. Content and intellectual property
7.1. The Content of the Website is protected under Law No. 230/2022 on copyright and related rights. The rights belong to the Association or, as the case may be, to the persons who granted us the right of use.
7.2. The name and logo of the Association, as well as the logos of its members, are protected signs of their respective holders and may not be used without their consent.
7.3. Quoting excerpts from published articles for informational or educational purposes is permitted, provided the source is indicated and an active link to the original page on unam.md is included.
7.4. Full reproduction, systematic republication, translation and commercial use of the Content are permitted only with prior written consent, requested at info@unam.md.
8. Links to other websites
8.1. The Website contains links to the pages of the Association's members, to public authorities and to third-party resources, including the Facebook and LinkedIn social networks.
8.2. We do not control the content, policies or practices of those resources and are not responsible for them. You access them at your own risk, subject to the documents published by their respective operators.
9. Limitation of liability
9.1. We make reasonable efforts to ensure that the information published is accurate and up to date as at the date of publication, but we do not guarantee that it is exhaustive or permanently current.
9.2. We are not liable for decisions taken solely on the basis of information on the Website, without consulting the competent source — the insurer, a licensed intermediary or a public authority.
9.3. We are not liable for temporary unavailability of the Website, for interruptions caused by technical service providers or communications networks, or for circumstances beyond our control.
9.4. We are not liable for the content of messages submitted by users through the form, including for other persons' data provided without a lawful basis.
10. Personal data protection
The way we process personal data is described in the Privacy Policy, and the use of cookies in the Cookie Policy. Both documents form an integral part of this document.
11. Complaints
11.1. Complaints regarding the operation of the Website, the published content or the conduct of the Association should be sent to info@unam.md. We register them and reply through the same channel.
11.2. Complaints regarding the processing of personal data should be sent to the same address and are handled within one month of receipt, in accordance with Article 12(3) of Law No. 195/2024. You are entitled to lodge a complaint with the National Centre for Personal Data Protection, MD-2004, Chișinău, 48 Serghei Lazo Street, datepersonale.md.
11.3. Complaints concerning the activity of an insurance company — the way a policy was sold, the calculation of the premium, the handling of a claims file, the amount of or refusal to pay indemnity — fall outside the competence of the Association. They should be addressed first to the insurance company concerned and, failing a satisfactory reply, to the National Bank of Moldova, the supervisory authority of the insurance market under Article 1 of Law No. 92/2022.
12. Governing law and disputes
12.1. This document and the use of the Website are governed by the law of the Republic of Moldova.
12.2. Disputes are settled amicably and, failing that, by the competent courts of the Republic of Moldova.
13. Final provisions
13.1. If any provision of this document becomes void or unenforceable, the remaining provisions continue to apply.
13.2. The Romanian version is the reference version. The English version is provided for the convenience of users; in the event of any discrepancy, the Romanian text prevails.
13.3. Related documents: Privacy Policy, Cookie Policy.
Last updated: 20 August 2026
Effective date: date of publication on the website
Version history: v2.0
1. About us
The website unam.md is operated by:
- Full name: Public Association „Uniunea Asigurătorilor din Republica Moldova” (Union of Insurers of the Republic of Moldova)
- Legal form: public association (non-commercial organisation)
- IDNO: 1008600053030
- Registered office: 74 Vasile Alecsandri Street, office 6, Centru district, Chișinău, Republic of Moldova
- E-mail: info@unam.md
- Telephone: +373 69 162 301
- Established: 3 October 2008
2. Definitions
Website — the web resource available at unam.md, including all its pages and language versions.
Association, we — the Public Association „Uniunea Asigurătorilor din Republica Moldova”.
User, you — any person who accesses the Website or uses its functionality.
Member — an insurance or reinsurance company belonging to the Association, as listed in the „Members” section.
Content — the texts, articles, informational materials, images, graphic elements, names and logos published on the Website.
3. Acceptance and amendment of these Terms
3.1. By accessing and using the Website you confirm that you have read this document and accept it. If you do not agree with these Terms, please do not use the Website.
3.2. We may amend this document. The version in force, together with the date of the update, is permanently displayed in the header. Continued use of the Website after a new version is published constitutes acceptance of that version.
3.3. Amendments do not apply retroactively to enquiries submitted before the new version was published.
4. Purpose of the Website and the role of the Association
4.1. The Association is a professional association of insurance and reinsurance companies, established under Article 56 of Law No. 92/2022 on insurance and reinsurance activity, which provides that insurance or reinsurance companies may unite in professional associations to represent their collective interests, study matters of common interest, promote cooperation, inform their members and the public, and organise services of common interest.
4.2. The Website serves an informational and educational purpose. Through it we publish news, explanatory materials about types of insurance, and information about the activity of the Association and its members.
4.3. The Association is not an insurer, an insurance broker or an insurance agent. Accordingly:
- we do not conclude insurance contracts and do not issue policies;
- we do not negotiate, intermediate or distribute insurance products;
- we do not provide individual advice on the choice of a product, an insurer or a tariff, and we do not make personalised recommendations;
- we do not handle claims files and do not determine or pay indemnities.
4.4. The information published on the Website is general in nature, is addressed to the public at large and does not take into account the individual circumstances of any person. It does not constitute a public offer, or legal, financial or insurance advice, and it cannot replace the contractual terms of a specific product, which are set out solely in the documents issued by the insurer.
4.5. Market terms, tariffs and practices change. Always verify current information directly with the competent source before making a decision.
5. Use of the Website
5.1. The Website may be consulted freely, without registration and without creating an account.
5.2. You undertake not to use the Website to transmit false or misleading information; to carry out actions affecting the operation, security or availability of the Website; to gain unauthorised access to systems or data; to perform mass automated collection of Content; or to transmit unsolicited advertising, unlawful or offensive material.
5.3. Where actions affect the operation of the Website or the rights of other persons, we may restrict access from the IP addresses involved and notify the competent authorities.
6. The „Ask your question” form
6.1. The form is intended for general questions about insurance and about the activity of the Association. The answer is prepared by an employee of the Association and is informational in nature, within the limits of clauses 4.3 and 4.4.
6.2. Your name, telephone number and e-mail address are required in order to submit a question. The data is processed in accordance with the Privacy Policy.
6.3. Please do not include in your question health data, data on criminal convictions or court proceedings, identity document data (personal number, document series), banking or card data, or data relating to other persons. Such information is not necessary for a general answer.
6.4. If you nevertheless provide another person's data, you confirm that you are entitled to do so and that you have informed that person of the transfer of their data to us.
6.5. We do not guarantee a response time and reserve the right not to reply to messages that fall outside the scope of the Association's activity or that are commercial, promotional, offensive or repetitive.
6.6. The answer provided does not create a contractual relationship between you and the Association and does not bind any insurance company.
7. Content and intellectual property
7.1. The Content of the Website is protected under Law No. 230/2022 on copyright and related rights. The rights belong to the Association or, as the case may be, to the persons who granted us the right of use.
7.2. The name and logo of the Association, as well as the logos of its members, are protected signs of their respective holders and may not be used without their consent.
7.3. Quoting excerpts from published articles for informational or educational purposes is permitted, provided the source is indicated and an active link to the original page on unam.md is included.
7.4. Full reproduction, systematic republication, translation and commercial use of the Content are permitted only with prior written consent, requested at info@unam.md.
8. Links to other websites
8.1. The Website contains links to the pages of the Association's members, to public authorities and to third-party resources, including the Facebook and LinkedIn social networks.
8.2. We do not control the content, policies or practices of those resources and are not responsible for them. You access them at your own risk, subject to the documents published by their respective operators.
9. Limitation of liability
9.1. We make reasonable efforts to ensure that the information published is accurate and up to date as at the date of publication, but we do not guarantee that it is exhaustive or permanently current.
9.2. We are not liable for decisions taken solely on the basis of information on the Website, without consulting the competent source — the insurer, a licensed intermediary or a public authority.
9.3. We are not liable for temporary unavailability of the Website, for interruptions caused by technical service providers or communications networks, or for circumstances beyond our control.
9.4. We are not liable for the content of messages submitted by users through the form, including for other persons' data provided without a lawful basis.
10. Personal data protection
The way we process personal data is described in the Privacy Policy, and the use of cookies in the Cookie Policy. Both documents form an integral part of this document.
11. Complaints
11.1. Complaints regarding the operation of the Website, the published content or the conduct of the Association should be sent to info@unam.md. We register them and reply through the same channel.
11.2. Complaints regarding the processing of personal data should be sent to the same address and are handled within one month of receipt, in accordance with Article 12(3) of Law No. 195/2024. You are entitled to lodge a complaint with the National Centre for Personal Data Protection, MD-2004, Chișinău, 48 Serghei Lazo Street, datepersonale.md.
11.3. Complaints concerning the activity of an insurance company — the way a policy was sold, the calculation of the premium, the handling of a claims file, the amount of or refusal to pay indemnity — fall outside the competence of the Association. They should be addressed first to the insurance company concerned and, failing a satisfactory reply, to the National Bank of Moldova, the supervisory authority of the insurance market under Article 1 of Law No. 92/2022.
12. Governing law and disputes
12.1. This document and the use of the Website are governed by the law of the Republic of Moldova.
12.2. Disputes are settled amicably and, failing that, by the competent courts of the Republic of Moldova.
13. Final provisions
13.1. If any provision of this document becomes void or unenforceable, the remaining provisions continue to apply.
13.2. The Romanian version is the reference version. The English version is provided for the convenience of users; in the event of any discrepancy, the Romanian text prevails.
13.3. Related documents: Privacy Policy, Cookie Policy.
Public association
”Uniunea Asiguratorilor din Republica Moldova”
”Uniunea Asiguratorilor din Republica Moldova”
