When you use the Lovys platform, you trust us with your information, and we are committed to keeping that trust. That commitment starts with helping you understand our privacy practices.
Last updated on 17/03/2026.
Lovys Underwriting España S.L. (“Lovys”) is a Spanish limited liability company (Sociedad de Responsabilidad Limitada) registered with the Madrid Companies Register in volume 43,233, folio 8, sheet M-763,879, with Tax Identification Number (NIF) B-09779737 and its registered office at Calle Maldonado 4, Bajo D, 28006 Madrid (Spain). Lovys is authorised to act as an underwriting agency under number [***] by the Directorate General for Insurance and Pension Funds (DGSFP), located at C/ Miguel Ángel 21, 4th floor, 28010 Madrid (http://www.dgsfp.mineco.es/) (telephone 952 24 99 82).
Lovys, which operates the website www.lovys.com and the Lovys mobile app in Spain (together the “Lovys Platform”), underwrites and distributes insurance products on behalf of insurance companies.
All Users (as defined below) are asked to read these General Terms of Use carefully before using the Services (as defined below) of the Lovys Platform.
“Account” means a User's digital profile created through the Lovys Platform and used to take out insurance contracts and/or services.
“General Terms of Use” or “GTU” means these general terms of use of the Lovys Platform, which govern the User's use of the Services available through the Lovys Platform.
“Lovys Platform” means, together, the website www.lovys.com and the Lovys mobile app.
“Services” means (i) information about the insurance contracts offered on the Lovys Platform, (ii) free quotes for the possible purchase of an insurance contract, (iii) taking out insurance contracts and/or services and (iv) online management of any insurance contract and/or service on the Lovys Platform.
“User” means any person who uses the Services.
Defined terms have the same meaning whether used in the singular or plural.
Accessing and/or using the Lovys Platform and the Services offered on it requires unconditional and unreserved acceptance of, and compliance with, all the terms of the GTU. The GTU are governed by Spanish law.
The GTU form a contract between Lovys and the User. This contract is entered into as soon as the User uses the Lovys Platform.
Lovys reserves the right to modify the Lovys Platform and the GTU at any time, or to supplement them with new contractual terms, in particular in the event of technical, legal or case-law developments or when new Services are provided. The User is therefore advised to review the GTU regularly to check the version in force.
Lovys will not inform the User of changes to the GTU relating to technical aspects of the Lovys Platform and the Services, provided that they do not lead to a price increase or a change in quality, and that the terms and conditions on which the User based their commitment were set out in the General Terms of Use.
For any other changes to the GTU and the Services, Lovys will inform the User by any means. In that case, the User has thirty (30) days' notice to tell us they disagree, after which they will be deemed to have tacitly accepted the new terms. If the User does not wish to accept all or part of the GTU, they are asked to stop using the Lovys Platform and the Services.
To create an Account, the User must:
Creating an account requires providing a username and choosing a personal, confidential password. Once registered on the Lovys Platform, the User has a personal space for which they alone are responsible. The User agrees not to disclose their password to third parties and to take every necessary precaution to prevent third parties from accessing it. The User agrees to notify Lovys without delay of the loss or misuse of their password and to change their login credentials immediately (in that case, the User also authorises Lovys to take any appropriate measures, for example resetting the username and password or suspending access to the Account). Failing this, and unless proven otherwise, any connection or transmission of instructions or data made using the password will be deemed to come from the User and will be their sole responsibility.
The Lovys Platform offers its Users a service for issuing and managing insurance contracts on a monthly subscription basis.
Insurance contracts and services can only be taken out on the Lovys Platform by entering into an insurance contract concluded remotely and signed digitally, whose documentation is available in the personal profile the User creates on the Platform.
The GTU are supplemented by the terms of the documents that make up the insurance contract(s) taken out by each User on the Lovys Platform.
The Lovys Platform is available anywhere the minimum technical requirements are met, in particular access to a mobile network, an internet connection and technical compatibility of the equipment used to access it.
Lovys Credits are a promotional or loyalty-programme digital currency that can be used as a discount on eligible Lovys insurance payments. Credits are non-transferable and cannot be exchanged for cash or resold.
Lovys Credits are valid for a limited period, specified when they are issued. When taking out an insurance policy, Lovys Credits can only be used for policies paid monthly. They can never be used when taking out a policy paid annually.
The amount of Credits that can be applied to each payment may be restricted in line with Lovys policies. Lovys reserves the right to change or cancel the Credits programme at any time without notice. Any misuse or fraud involving Credits may lead to their cancellation.
Referral rules: When the same person is invited to join Lovys by several customers, only the invited person and the first customer who sent the referral can receive the corresponding credits, provided the invited person actually takes out a Lovys insurance policy. To receive a reward, the people you invite must therefore take out a Lovys insurance policy. Rewards cannot be used to pay for a first subscription.
When a user pays a premium or another outstanding amount through a secure payment link provided by Lovys, the payment is processed by our payment service provider. The payment method used to complete the transaction may be shared securely with Lovys by the payment service provider and stored by Lovys to make future payments for the user's contracts or services easier.
If the user has no default payment method on file, the method used for this transaction may be set as the default payment method so that future premiums can be paid automatically.
If the user already has a default payment method on file, the method used via the secure link will only be stored and will not replace the existing default method.
The user can add a new payment method at any time from their client space.
Lovys has only an obligation of means towards the User and gives no warranty, express or implied, including any warranty of quality or fitness for a particular purpose of the Services provided to the User (without prejudice to Lovys's obligations as an insurance broker).
The Lovys Platform and all its components (for example, site structure, trademarks, domain names, text, images, graphics, sounds, data, software, etc.) are the exclusive property of Lovys or are used by Lovys with the authorisation of the rights holder, and are subject to the Spanish and international laws that apply in this area. In particular, they are protected by copyright and trademark law.
The User agrees not to infringe any of these intellectual property rights and not to use any part of the Lovys Platform without Lovys's prior written authorisation. The Lovys Platform and all its components are also protected by the contractual commitments set out in the GTU.
In particular, the User agrees not to reproduce, modify, alter, distribute, transmit, give, rent, sell or, more generally, exploit all or part of the Lovys Platform, by any process and on any medium, without Lovys's prior written authorisation. In particular, the following are prohibited: (i) any text or data mining, (ii) the use of a robot, scraper or any other tool that automatically extracts all or part of the content of the Lovys Platform and (iii) the substantial extraction of all or part of the content of the Lovys Platform.
By uploading content to the Lovys Platform, the User automatically grants Lovys a licence to use that content for the purposes of managing the Platform, worldwide and for as long as needed to manage their account.
The User declares that the rights granted in this way do not infringe the rights of third parties and are not subject to any claim.
Finally, the User agrees to reimburse Lovys for any amount it is ordered to pay in connection with any dispute or claim relating to ownership of the rights granted, whether concerning intellectual property rights, image rights, unfair competition or free-riding.
Lovys does everything it can to ensure the Lovys Platform and the Services work properly, within the limits of liability set out in the GTU.
Lovys uses all the means at its disposal to provide quality access to the Lovys Platform, which is in principle available 24 hours a day, 7 days a week. As this is an obligation of means, Lovys cannot guarantee this result. Lovys therefore accepts no liability, without this list being exhaustive, in the event of an interruption of the Lovys Platform (for example, due to maintenance or technical problems), computer viruses and, more generally, any direct or indirect damage of any kind suffered by the User as a result of accessing or using the Lovys Platform (including unlawful use following identity theft).
Lovys gives no warranty, express or implied, as to the accuracy of the information it publishes on the Lovys Platform. Lovys is therefore not liable for any direct or indirect damage resulting from any error, inaccuracy or omission in the information on the Lovys Platform.
Lovys is not liable, and is not considered to be in breach of the GTU, for any delay or failure to perform where the cause is a case of force majeure as defined by the case law of the Spanish courts. Force majeure includes, in particular, the interruption, suspension or reduction of electronic communications networks, or events beyond Lovys's control.
The User uses the Lovys Platform under their sole and exclusive responsibility. The User is solely responsible for the information they share through the Lovys Platform. In the event of abnormal use or unlawful exploitation of the Lovys Platform, the User will be solely liable for any damage caused to third parties and for the consequences of any resulting claims or actions.
The User also waives any recourse against Lovys in the event of action brought against them by a third party as a result of the unlawful use and/or exploitation of the Lovys Platform.
The User generally agrees to comply with all regulations in force in Spain.
The User agrees not to use the Lovys Platform to (i) publish, transmit, share, store or otherwise make available any content that is contrary to public order, harmful, threatening, illegal, defamatory, unauthorised, abusive, insulting, malicious, fraudulent, that infringes privacy or image rights, incites violence or racial or ethnic hatred, or is otherwise objectionable, (ii) create several Accounts or impersonate a third party, (iii) transmit any material containing computer viruses or any code, file or program designed to interrupt, destroy or limit the functionality of software, computer equipment or electronic communications and (iv) publish, transmit, share, store or otherwise make available any illegal content or content that is contrary to public order.
The User is solely responsible for any content they add to the Lovys Platform, in particular any content that may be offensive, illegal or infringe the rights of third parties.
Each User is responsible for taking all appropriate measures to protect their own data and/or software stored on their mobile or computer equipment against any breach.
For any difficulty or complaint, the User can contact Lovys at the following address: contact@lovys.com
By using the Lovys Platform, the User confirms they have read the privacy policy available at the following link: https://lovys.com/es/en/confidentiality-policy. The privacy policy also includes the Lovys Platform's Cookie Policy.
The User has the right to view, free of charge, their data held on the Lovys Platform and any other information concerning them.
In addition to the GTU, the User agrees to comply with the general terms of service of the platforms that provide access to the Lovys Platform as a mobile app (for example, the Apple App Store (for iOS devices) and the Google Play Store (for Android devices)) and of the third-party tools used by the Lovys Platform (for example, Stripe or Adyen for online payment).
The User's use of these third-party platforms and tools involves the collection and processing of personal data for which Lovys cannot be considered the data controller, as defined in Organic Law 3/2018 of 5 December on the Protection of Personal Data and the Guarantee of Digital Rights. See our privacy policy here.
By using the Lovys Platform, the User declares that they have read the general terms of service of the platforms that provide access to it and of the third-party tools it uses (available on their websites), and that they accept these general terms.
Lovys points out that hyperlinks may take the User to other websites or apps that are independent of the Lovys Platform and for which Lovys can in no way be held liable.
Hyperlinks to all or part of the Lovys Platform may be inserted on a non-exclusive basis, revocable at any time without Lovys having to give any reason, provided the link does not present the Lovys Platform in a misleading, false or derogatory way or otherwise harm it. Lovys reserves the right to object under this authorisation.
Lovys is not liable for any direct, indirect or incidental damage arising from access to or use of information from third-party sites.
A complaint is a statement by which the user tells Lovys they are dissatisfied. It relates to how Lovys carries out its role, which is issuing and managing insurance contracts on a monthly subscription basis.
Lovys does everything it can to offer the user a quality service.
Despite the care Lovys takes, difficulties may arise. If the user wishes to tell Lovys they are dissatisfied and send a complaint, they can:
The Lovys team in charge of handling complaints will review the user's request.
If any part of the GTU is found to be void, invalid or unenforceable for any reason, the term or terms concerned will be deemed not to exist and the remaining terms will remain in full force. Terms deemed not to exist will be replaced by the terms closest in content and meaning to the voided clause.
The official language of the GTU is Spanish. This English version is provided for information only: in the event of any discrepancy, inconsistency or conflict between the Spanish version and any translated version, the Spanish version prevails. The GTU are governed exclusively by Spanish law. Any dispute arising from the use of the Lovys Platform will be submitted to the competent courts of Madrid, without prejudice to any mandatory territorial jurisdiction that other courts may have under applicable law.
