1. Website operator and acceptance
This website is operated under the professional name Alexandra Durbaca (“we”, “us” or “our”). By accessing alexandradurbaca.com, you agree to these Terms and Conditions. If you do not agree, please do not use the website.
2. General information only
Website content is provided for general information and does not constitute legal, tax, financial, regulatory or binding insurance advice. It does not take account of your complete circumstances. You should not act or refrain from acting solely on this content.
3. No automatic engagement or cover
A message, advisory request or confirmation email does not create an advisor-client relationship, bind insurance, guarantee insurer capacity or confirm cover. Any professional engagement, placement, recommendation or insurance contract must be agreed separately in writing by the relevant authorised parties.
4. Information you submit
You agree to provide information that is accurate, relevant and lawful. You must not submit malicious code, credentials, payment-card details or information you are not authorised to share. You remain responsible for material facts and for reviewing all formal insurance documents.
5. Availability and third parties
Services and insurance solutions depend on jurisdiction, regulation, insurer appetite, capacity and professional scope. References or links to third parties do not imply endorsement. We are not responsible for third-party websites, decisions, systems or services.
6. Intellectual property
Unless stated otherwise, the website design, written content, brand assets, graphics and original imagery are protected by intellectual-property law. You may view and print reasonable extracts for internal, non-commercial use. Reproduction, republication or commercial use requires prior written permission.
7. Acceptable use
You must not attempt to bypass security, access the private administration area without authorisation, interfere with availability, scrape personal data, send automated abuse or use the website unlawfully.
8. Liability
To the fullest extent permitted by law, we do not accept liability for loss arising solely from reliance on general website content, interruption, third-party services or unauthorised use. Nothing in these terms excludes liability that cannot lawfully be excluded.
9. Changes and governing law
These terms may be updated to reflect changes in the website, services or law. The version published here applies from its effective date. Applicable law and jurisdiction will be determined by mandatory rules and any written professional engagement agreed with you.
10. Contact
Questions about these terms may be sent to alexandra@alexandradurbaca.com.