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Terms & Conditions

Welcome to www.msvlife.com. Your agreement to all the terms and conditions of this agreement ("Agreement") is required before You can use our website at www.msvlife.com (the “Website”) or the online payment service therein (the "Service"). If You do not agree to the terms and conditions, set forth below, You will not be authorised to access and use the Website or the Service.  


You bind yourself to use the Website and the Service only for lawful purposes. Without prejudice to the generality of the foregoing, You agree:
  1. not to use, or otherwise authorise, permit or tolerate any third party to use the Website or the Service in any way that is in violation of any law, regulation, guideline, decision or directive in force in Malta or which is defamatory, menacing, obscene, in breach of third party intellectual or industrial property rights or in breach of trade secrets;
  2. to immediately notify us of any unauthorised or illegal use of the Website or the Service of which You may become aware.
If we have reasonable cause to believe that the provisions of this Agreement are being contravened, we may block or otherwise suspend Your access to the Website or the Service with immediate effect, and this without prejudice to any rights at law.

We have the right to revise and amend this Agreement from time to time to reflect changes in market conditions affecting our business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements and changes in our system’s capabilities or for any other reason in our sole discretion which we may decide. Your continued access to or use of the Website or the Service constitutes your acceptance of any such change and/or amendment and such access or use of the Website or the Service shall be subject to the Agreement in place at the time of the access or use.  It is Your responsibility to ensure Your familiarity with and acceptance of this Agreement as applicable at the time of each and every access or use of the Website or Service.

The Website may contain expressions of opinion, information, and material about our product range and services; however nothing on the Website amounts to or should be considered to amount to advice. We have done our utmost to ensure the accuracy, timeliness and completeness of all information on the Website. No person should act or refrain from acting on the basis of any matter contained in the Website without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue.

IT IS VERY IMPORTANT THAT YOU COMPLETELY READ THIS AGREEMENT BECAUSE BY USING THE WEBSITE OR THE SERVICE, YOU WILL BE EXPRESSLY SIGNIFYING THAT YOU AGREE TO ALL THE FOLLOWING TERMS, CONDITIONS AND OTHER PROVISIONS, SET FORTH IN THIS AGREEMENT.

Parties To This Agreement

The parties to this Agreement are you ("You") and MAPFRE MSV Life plc, Company Registration number C 15722, of Level 6, The Mall, Triq mil-Mall. Floriana FRN 1470 (email: info@msvlife.com, telephone: 2590 9000), the owner of msvlife.com. As used in this Agreement, the terms "we" and "us" are used interchangeably to refer to MAPFRE MSV Life plc. By further accessing the Website or the Service, You hereby agree to be bound by all the terms and conditions set forth in this Agreement.

1. Description of Services

We are in the life insurance business and we will provide access to the Website and the Service for You in accordance with our Privacy and Personal Data Protection Policy in order for You to pay the premium on Your life insurance policy. You agree with our Privacy and Personal Data Protection Policy.

2. Transaction Information

The language in which all transactions on the Service are carried out is the English language. Any translation is meant to help You better understand the language and terminology used in the transaction. However, the point of reference will always remain English.

You declare that the credit / debit card details provided by You when making use of the Service are valid and accurate and that You shall not use a credit / debit card that is not lawfully owned by You or the use of which is not authorized by the lawful owner thereof.

You may pay us by using a credit / debit card. You warrant, agree and confirm that when You initiate a payment transaction through the Service and provide credit / debit card details: 

  • You are fully and lawfully entitled to use such credit / debit card for such transactions;
  • You are responsible to ensure that the card details provided by You are accurate;
  • You authorise debit of the nominated card for the payment to us as indicated by You in the transaction details given;
  • You are responsible to ensure that sufficient credit or balance, as applicable, is available on the nominated card account at the time of making the payment to permit the payment to us as indicated by You in the transaction details given.


All payments effected are in Euro. 

We do not accept any liability for payments not reaching us or being incorrectly posted due to You quoting incorrect personal details or other incorrect required parameters.

We do not accept liability for non-/late payments if the payment is declined by the credit/debit card or authorised payment supplier.  

Please refer to your policy documentation for the rules applicable to refunds and cancellations.

All online payments effected through the Service are processed using a third party electronic payment gateway (APCO Systems Limited).

The third party electronic payment gateway service provider is bound to ensure that all online payments are effected using state-of-the-art technology and in accordance with all applicable laws and regulations governing online payments, and this inter alia in order to ensure secure transactions.  We do not have access to Your debit/credit card details.

We and our third party electronic payment gateway service provider shall not be liable for any failure by You to properly protect data from being seen on the screen by other persons or otherwise obtained by such persons during the online payment process. This includes payments done on public machines or using browsers that do not have the necessary security features in place.

All reasonable endeavours are taken to ensure the availability and correct functioning of the Service. This notwithstanding, there may be instances when the Service will, due to technical or other reasons, be unavailable.  In no event shall we or our third party electronic payment gateway service provider be liable for any damages whatsoever arising out of the use, inability to use, or the results of use of the Service.
By using the Service You hereby irrevocably consent to Your data being in the possession of, retained by, and processed by the third party electronic payment gateway service provider.  You hereby further warrant and agree that any use of the Service shall be in accordance with applicable law and hereby fully exonerate and bind Yourself to keep us and the third party electronic payment gateway service provider harmless from and against any liability or claim of whatever nature in connection with Your use of the Service.

After a transaction is carried out, an email receipt will be sent to You containing the following information:

  • A unique identification code through which the transaction may be accurately identified
  • The amount of money transferred in euro
  • A description of the services purchased
  • Information related to You
  • Information related to us, including name, contact number, address and website address


The VAT number for MAPFRE MSV Life plc is: MT14881327

We accept the following payment methods:

  • APS Premier
  • BoV Cashlink
  • Visa
  • Mastercard
  • Revolut (Visa/Mastercard)


We reserve the right to change the accepted payment methods at any time. 

It is recommended that You take and retain a copy of the transaction for record keeping purposes to assist in the resolution of any disputes that may arise out of usage of the online payment service.

3. Written Communications

Applicable laws require that some of the information or communications we send to You should be in writing. When using this Service, You accept that communication with us will be mainly electronic. For contractual purposes, You agree to this electronic means of communication and You acknowledge that all contracts, notices, information and other communications that we provide to You electronically comply with any legal requirement that such communications be in writing. This condition does not affect Your statutory rights.

The language in which all transactions on the Service are carried out is the English language. Any translation is meant to help You better understand the language and terminology used in the transaction. However, the point of reference will always remain English.

You declare that the credit / debit card details provided by You when making use of the Service are valid and accurate and that You shall not use a credit / debit card that is not lawfully owned by You or the use of which is not authorized by the lawful owner thereof.

You may pay us by using a credit / debit card. You warrant, agree and confirm that when You initiate a payment transaction through the Service and provide credit / debit card details: 

  • You are fully and lawfully entitled to use such credit / debit card for such transactions;
  • You are responsible to ensure that the card details provided by You are accurate;
  • You authorise debit of the nominated card for the payment to us as indicated by You in the transaction details given;
  • You are responsible to ensure that sufficient credit or balance, as applicable, is available on the nominated card account at the time of making the payment to permit the payment to us as indicated by You in the transaction details given.


All payments effected are in Euro. 

We do not accept any liability for payments not reaching us or being incorrectly posted due to You quoting incorrect personal details or other incorrect required parameters.

We do not accept liability for non-/late payments if the payment is declined by the credit/debit card or authorised payment supplier.  

Please refer to your policy documentation for the rules applicable to refunds and cancellations.

All online payments effected through the Service are processed using a third party electronic payment gateway (APCO Systems Limited).

The third party electronic payment gateway service provider is bound to ensure that all online payments are effected using state-of-the-art technology and in accordance with all applicable laws and regulations governing online payments, and this inter alia in order to ensure secure transactions.  We do not have access to Your debit/credit card details.

We and our third party electronic payment gateway service provider shall not be liable for any failure by You to properly protect data from being seen on the screen by other persons or otherwise obtained by such persons during the online payment process. This includes payments done on public machines or using browsers that do not have the necessary security features in place.

All reasonable endeavours are taken to ensure the availability and correct functioning of the Service. This notwithstanding, there may be instances when the Service will, due to technical or other reasons, be unavailable.  In no event shall we or our third party electronic payment gateway service provider be liable for any damages whatsoever arising out of the use, inability to use, or the results of use of the Service.
By using the Service You hereby irrevocably consent to Your data being in the possession of, retained by, and processed by the third party electronic payment gateway service provider.  You hereby further warrant and agree that any use of the Service shall be in accordance with applicable law and hereby fully exonerate and bind Yourself to keep us and the third party electronic payment gateway service provider harmless from and against any liability or claim of whatever nature in connection with Your use of the Service.

4. Force Majeure

We will endeavour to maintain the Website and the Service available at all times, however You acknowledge and agree that we cannot guarantee an uninterrupted service.

Subject to any Force Majeure limitations and/or exceptions, or to any herein contained or otherwise applicable condition or limitation on the Website, we will endeavour to comply with the generally accepted industry standards applicable for the Website and the Service and to adhere to all applicable legal and regulatory obligations in connection with the Website and the Service.
Without prejudice to any other provision contained herein excluding or limiting responsibility, we shall not be liable to You and/or any third party for any loss or damage which may be experienced or suffered by You and/or any third party due to any Force Majeure event, which inter alia includes any failure on our part to perform any obligation as a result of technical problems relating to the Website or the Service, termination of any licence to operate, act of God, inclement weather, flood, drought, lightning or fire, earthquakes and volcanic eruptions, failure or shortage of power supply, strikes, lockouts, labour disturbances and industrial disputes of any kind, Government control, restrictions or prohibitions or any other Government act or omission whether local or national, any act or omission of any regulatory or other public authorities or agencies, or of the operators of other telecommunication services, war, military operations and riots, difficulties, delays or interruptions in the production or supply of equipment used in the Website or the Service, act or default of any supplier, agent or subcontractor, or any other similar or dissimilar causes beyond our reasonable control.

5. Cardholder Disputes/Chargebacks

All chargebacks are thoroughly investigated and may prevent future purchases with us given the circumstances. Fraud claims may result in us contacting Your issuer to protect You and prevent future fraudulent charges to Your card.
All chargebacks are thoroughly investigated and may prevent future purchases with us given the circumstances. Fraud claims may result in us contacting Your issuer to protect You and prevent future fraudulent charges to Your card.

6. Supplementary Terms and Conditions

The Website may have additional terms and conditions that are an integral part of our offering to You, and are in addition to this Agreement. Such terms and conditions as listed at the Website will in no way invalidate any of this Agreement.

7. Severability

If any provision of this Agreement shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If a court finds that any of this Agreement is invalid or unenforceable, but that by limiting such provision it would become valid or enforceable, then such provision shall be deemed to be written, construed, and enforced as so limited.

8. DISCLAIMER AND LIMITATION OF LIABILITY

YOU UNDERSTAND THAT WE CANNOT AND DO NOT GUARANTEE OR WARRANT THAT DOWNLOADING FROM THE INTERNET WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THE WEBSITE AND SERVICE FOR THE RECONSTRUCTION OF ANY LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE OR SERVICE. YOUR USE OF THE WEBSITE OR SERVICE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THE WEBSITE OR SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR SERVICE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT OF THE WEBSITE IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT OF THE WEBSITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT WE, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THE WEBSITE OR ITS CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE WEBSITE’S CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE WEBSITE CONTENT'S APPROPRIATENESS OR AUTHORISATION FOR USE IN ALL COUNTRIES, STATES, PROVINCES, COUNTY OR ANY OTHER JURISDICTIONS. IF YOU CHOOSE TO ACCESS THE WEBSITE OR SERVICE, YOU DO SO ON YOUR OWN INITIATIVE AND RISK AND YOU ARE RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LAWS.

YOU ACKNOWLEDGE AND AGREE THAT WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE, WHETHER DIRECT OR INDIRECT, SUSTAINED BY YOU OR ANY OTHERWISE AFFECTED THIRD PARTY BY REASON OF ANY LOSS OF DATA OR OTHER INFORMATION FAILURE IN OR BREAKDOWN OF, OR REDUCTION IN QUALITY OF, THE WEBSITE OR SERVICE PROVIDED, HOWEVER LONG SUCH FAILURE, BREAKDOWN, OR REDUCTION IN QUALITY SHALL LAST.
YOU UNDERTAKE AND BIND YOURSELF TO INDEMNIFY AND HOLD US, OUR DIRECTORS, OFFICIALS, EMPLOYEES, SUB-CONTRACTORS AND AGENTS HARMLESS AGAINST ANY LIABILITY, LOSS OR DAMAGE, WHETHER DIRECT OR INDIRECT, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR THE SERVICE OR ANY MATERIAL THEREIN CONTAINED, INCLUDING BUT NOT LIMITED TO ANY CLAIM FOR LOSS OR DAMAGE MADE BY ANY PERSON WHOMSOEVER.
YOU SHALL DEFEND AND PAY ALL COSTS, DAMAGES, AWARDS, FEES (INCLUDING ANY REASONABLE LEGAL FEES) AND JUDGMENTS AWARDED AGAINST US, OUR DIRECTORS, OFFICIALS, EMPLOYEES, SUB-CONTRACTORS AND AGENTS, ARISING FROM THE ABOVE CLAIMS AND SHALL PROVIDE US WITH IMMEDIATE AND PROMPT NOTICE OF ANY SUCH CLAIMS, FULL AUTHORITY TO DEFEND, COMPROMISE OR SETTLE SUCH CLAIMS AND REASONABLE ASSISTANCE NECESSARY TO DEFEND SUCH CLAIMS, AT YOUR SOLE EXPENSE.
WITHOUT PREJUDICE TO THE GENERALITY OF THIS LIMITATION OF LIABILITY SECTION, WE EXPRESSLY EXCLUDE ANY LIABILITY FOR ANY CONSEQUENTIAL LOSS OR DAMAGE, HOWSOEVER DEFINED,  INTER ALIA INCLUDING ANY LOSS OF PROFIT, BUSINESS, REVENUE, GOODWILL, ANTICIPATED SAVINGS OR OTHERWISE, WHICH MAY ARISE IN CONNECTION WITH THE WEBSITE OR THE SERVICE.
YOU ACKNOWLEDGE AND AGREE THAT WE SHALL NOT BE IN ANY WAY HELD LIABLE FOR OR IN ANY WAY GUARANTEE THE LEVEL OF SERVICE FOR ANY SERVICES PROVIDED BY ANY THIRD PARTY, INCLUDING BUT NOT LIMITED TO ANY INTERNET SERVICE PROVIDERS AND ROAMING PARTNERS.
WE SHALL ENDEAVOUR TO REGULARLY MAINTAIN AND UPDATE THE INFORMATION AVAILABLE ON THE WEBSITE.  THIS NOTWITHSTANDING, YOU ACKNOWLEDGE AND AGREE THAT WE SHALL ONLY BE BOUND BY ANY INFORMATION PROVIDED TO YOU DIRECTLY AT THE TIME OF CONTRACTING AND SHALL NOT IN ANY WAY BE RESPONSIBLE FOR THE ACCURACY OF ANY INFORMATION PROVIDED AND/OR ACCESSED AND FOR THE QUALITY OF ANY CONTENT MADE AVAILABLE AND/OR ACCESSED THROUGH THE WEBSITE.  YOU ACKNOWLEDGE AND AGREE THAT WE SHALL NOT BE HELD LIABLE FOR ANY CONSEQUENCE OF USE OF INFORMATION AVAILABLE ON THE WEBSITE

 

9. Governing Law

This Agreement shall be governed by Maltese Law. By accessing the Website or the Service, you have accepted Maltese law as the law governing the use of the Website and the Service. The Courts of Malta shall have exclusive jurisdiction over all claims or disputes arising out of, or in relation to, or in connection with the Website and the Service and this Agreement.

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