Terms and Conditions for Services and Website Use

These Terms govern the relationship between the User and Acton arising from the use of the Website and insurance brokerage services. Online service does not restrict the User's right, upon request, to obtain the same available insurance product or service at Acton's business premises.

Viewing the informational parts of the Website does not constitute conclusion of an insurance contract. When creating an account, submitting an application, selecting an Offer or making a payment, the User accepts the applicable terms by ticking the relevant box or taking another clear electronic action.

Acton may retain a technical record of consent, including the version of the terms, date, time and the relevant transaction identifier, for purposes and periods permitted by law. Documents and records connected with the electronic sales process are retained for at least three years after the end of the relationship with the User, unless the law requires a longer period.

A User who does not agree to these Terms must not use any function that requires account creation, submission of an application, selection of an Offer or payment.

If a separate brokerage services agreement has been concluded with the User, that agreement prevails for the relevant part of the relationship with Acton. Matters relating to insurance coverage are always governed by the relevant insurance contract and policy.

A User who qualifies as a consumer under Georgian law benefits from all mandatory consumer protections. These Terms may not limit those protections.

• Acton / Broker - შპს „სადაზღვევო საბროკერო აქტონი“ (English translation: ACTON Insurance Broker LLC), ID 405268981, insurance broker registration No. 012045.
• Website - acton.ge, its subdomains, the personal account and the related digital functions operated by Acton.
• User - an individual or legal entity that visits the Website or uses Acton's services.
• Insurer - an insurance undertaking authorised under Georgian law to assume insurance risk and issue a policy.
• Offer - the price and terms of an insurer displayed on the Website, which may be indicative or final depending on the product and the User's information.
• Insurance Contract / Policy - the contract concluded between the relevant Insurer and the Policyholder, together with the documents evidencing it, which set out the insurance terms.
• Durable Medium - a medium that allows the User to retain information for the period needed and reproduce it unchanged, including email or a downloadable document.

An account may be created, an application submitted and a product purchased through the Website by an adult with legal capacity or by a duly authorised representative. Insurance for a minor may be purchased by the minor's legal representative or another authorised person.

A User acting for a legal entity confirms that the User has the required authority and will provide evidence of that authority upon request.

The User must provide accurate, complete, current and non-misleading information, particularly about circumstances that affect risk assessment, price, insurance terms or claims handling.

The User must notify Acton or the relevant Insurer of any material change within a reasonable time. The legal consequences of inaccurate or incomplete information are determined by law and the relevant insurance contract and do not arise automatically at Acton's sole discretion.

When providing another person's personal data, the User confirms that a lawful basis or appropriate authority exists and, where required, that the data subject has received the information required by law.

Some services may require creation of an account, verification of a telephone number or email address and additional identification.

The User is responsible for keeping account details and authentication methods confidential. They may not be disclosed to a third party, except to a legally authorised representative whose responsibility is determined by applicable law.

If the User suspects unauthorised access to the account, loss of a device or disclosure of authentication details, the User must immediately change the password and notify Acton.

Where reasonable grounds exist, Acton may temporarily restrict access to an account for security, fraud prevention or a material breach of these Terms. Where possible, the User will be informed of the reason for the restriction and the restoration procedure, unless such notice is prohibited by law.

Policies, application status updates, receipts and other notices may be delivered to the email address, telephone number or personal account specified by the User. The User must keep contact details current.

Acton is a registered insurance broker and acts as an independent intermediary between the User and the relevant Insurer within the limits of its authority, applicable law and concluded agreements. At every stage of its activities, Acton maintains the professional indemnity insurance required by Georgian law.

Acton's services may include clarifying the User's needs, finding and comparing Offers from partner Insurers, processing applications, transferring documents, arranging payments and providing intermediary support during the claims process.

Acton is not an Insurer and does not assume insurance risk. The relevant Insurer determines acceptance of risk, the final price, issuance of the policy, commencement of coverage, assessment of an Insured Event, the amount of loss and any claims payment, except for actions assigned to Acton by law or contract.

Information or explanations provided by Acton do not replace the Insurer's full terms, the policy or an official decision. Insurance information and advice provided by Acton do not constitute legal, tax or accounting advice.

At the stage required by law, Acton informs the User about its registration and authority, the existence and amount of any significant ownership link with an Insurer, the right to request information about brokerage remuneration and the complaint procedure. The User may request information about brokerage remuneration at any time by emailing broker@acton.ge or through another available Acton channel. Acton does not hold a significant interest in any partner Insurer, and no partner Insurer holds a significant interest in Acton. Acton cooperates with more than one Insurer. The User may request and receive the corporate names of the relevant Insurers.

Acton may receive brokerage remuneration from the Insurer, the User or both, but only where there is an appropriate legal basis. Any separate commission or service fee payable by the User will be displayed clearly before the order is confirmed.

The comparison on the Website covers Offers from partner Insurers and products that are technically and commercially available at the relevant time. It may not include every Insurer or every insurance product available in the Georgian market.

The number of partner Insurers, product availability and comparison criteria may change. A particular result will display only those Offers that are available on the basis of the User's information and requirements.

Terms such as “best”, “lowest” or similar descriptions, where used, refer only to the comparable Offers displayed at that time and the stated criterion; they are not an absolute representation concerning the entire market.

The lowest price does not always provide the most suitable coverage for the User. Before selecting an Offer, the User should compare limits, exclusions, deductibles, territory of coverage, time limits and the claims handling procedure.

If Acton provides a personalised recommendation, it is based on the requirements stated by the User and the available partner Offers. The User makes the final choice.

Before completing an order, the User must be able to review the Insurer's name, the final price or the method for calculating it, coverage, limits, deductibles, material exclusions, the period and territory of cover, payment terms, cancellation terms and the principal claims handling rules.

The electronic order button or corresponding action clearly indicates when placing the order creates a payment obligation for the User. No additional paid service or function may be activated without the User's express consent.

An insurance contract is concluded at the time and in the manner determined by the relevant Insurer's terms, the policy and applicable law. Selecting an Offer or having funds debited does not necessarily mean that coverage has commenced.

If a product requires additional assessment or confirmation by the Insurer, the User will be informed before completing the order or immediately after the relevant circumstance is identified.

Confirmation of conclusion of the contract, the policy and related documents are provided to the User by email, through the personal account or on another agreed Durable Medium. A policy issued electronically is certified by the Insurer's qualified electronic signature or qualified electronic seal in accordance with applicable law.

Upon receipt, the User must check the persons, insured subject matter, period, coverage, amounts and contact details stated in the policy and immediately contact Acton if any discrepancy is found.

An initial or indicative price is not the final premium unless the relevant page expressly states otherwise. The final premium depends on the User's information, the risk, selected coverage, period and the Insurer's tariff.

Payment may be processed in the secure environment of a payment service provider. Full payment card details and the CVV must not be sent to Acton by email, chat or any other unsecured channel.

If Acton is authorised under the insurance contract to receive an insurance premium from the User, a premium paid to Acton is deemed paid to the Insurer to the extent provided by law. If payment is made directly to the Insurer or a payment provider, the rules of the relevant payment channel also apply.

Successful payment authorisation does not change the commencement time of coverage stated in the policy. If funds are debited but no policy is issued, Acton will investigate within a reasonable time and, in coordination with the relevant Insurer or provider, arrange issuance of the policy or processing of any refund due.

If a premium denominated in a foreign currency is paid in Georgian lari, the User will receive advance information about the conversion method or applicable exchange rate. The bank or card issuer may apply its own rate or fee.

If an obvious technical error is identified, including an unrealistic price, duplicate payment or data mismatch, Acton will notify the User promptly and offer correction of the error, an updated Offer or, where appropriate, a refund. Such an error does not limit the User's statutory rights.

If a product provides for monthly, quarterly or other instalment payments, the payment schedule, amounts, consequences of delay and any grace period are determined by the policy and the Insurer's terms.

Automatic or recurring payments are activated only with the User's separate, active and informed consent. Before activation, the User will be informed of the amount, frequency, duration and deactivation procedure.

Only a secure identifier, or token, generated by the payment provider may be stored for automatic payments, in accordance with the applicable terms and Privacy Policy.

Insufficient funds or a declined card transaction may result in suspension or termination of the policy only in accordance with the relevant insurance terms. The User is responsible for checking payment status.

Disabling an automatic payment does not by itself cancel the policy. Termination of the policy is treated as termination of the automatic payment instruction only when confirmed to the User through the relevant channel.

Automatic renewal of a policy is permitted only where it is expressly provided for in the applicable terms and the User has received advance information about renewal, price and termination.

Cancellation, termination or amendment of an insurance contract and refund of a premium are governed by the relevant product, policy and Georgian law.

An individual who qualifies as a consumer under Georgian law may withdraw, without giving any reason and without penalty or additional charge, from a life insurance contract within 30 calendar days after its conclusion and from any other insurance contract concluded at a distance or off-premises within 14 calendar days after its conclusion. The day on which the contract is concluded is not counted, and the period begins on the following calendar day. The time of conclusion is determined under the relevant Insurer's terms and is communicated to the User in the policy or confirmation of conclusion. Unless the Insurer's terms provide otherwise, the contract is deemed concluded when the Insurer accepts the User's application and issues the policy or confirmation of conclusion to the User. Successful payment authorisation alone, without issuance of the policy or relevant confirmation, does not establish that the contract has been concluded. If the final day is a non-business day or an official holiday, the action may be taken on the next business day in accordance with the Civil Code of Georgia. This right does not apply where an exception prescribed by law exists. Before the contract is concluded, the User will receive, together with the material terms of the relevant insurance product, information about whether the right applies, any exceptions, the applicable period, the withdrawal form and procedure. Where a withdrawal notice is submitted through Acton, it must be sent by email to broker@acton.ge. Where the right of withdrawal is validly exercised, the amount of the refund and the refund procedure are determined under applicable law and the relevant insurance contract. The relevant Insurer makes the refund, while Acton assists with the process within the scope of its authority as an insurance broker.

Any refundable amount may depend on the period for which the policy was in force, services already provided, an Insured Event that has occurred, a notified claim and other policy terms, but only to the extent permitted by law.

Where a refund is due, it is generally made using the original payment method, except where otherwise permitted by law, banking rules or a reasoned agreement between the parties.

Acton assists the User in forwarding the request to the relevant Insurer and coordinating the process. The final basis and amount of the refund are generally determined under the Insurer's policy.

After an Insured Event, the User must comply with the notification period, notification channel, duty to mitigate loss and document submission procedure set out in the policy.

Official notice of an Insured Event must be given directly to the relevant Insurer in the manner and within the time limit stated in the policy; the Insurer's claims hotline is specified in the policy. Acton is not currently authorised by its partner Insurers to receive official notice of an Insured Event or claim. Accordingly, a message sent to Acton by chat or email does not constitute official notice to the Insurer and does not replace the User's obligation to notify the Insurer on time. If a claims payment is delayed or the Insurer denies the claim, the User may contact Acton at broker@acton.ge or by telephone at +995 599 56 56 64. In that case, Acton, as an insurance broker, will assist the User, within the scope of its authority, in communicating with the Insurer and coordinating the process.

Within the scope of its authority, Acton assists the User with preparing the application, transferring documents, obtaining status updates and communicating with the Insurer.

The relevant Insurer determines whether an Insured Event has occurred, the amount of loss, coverage, any claims payment or any denial. Acton is responsible only for its own intermediary activities to the extent provided by law and contract.

If an insurance payment is made through Acton as intermediary, it is treated as paid only when the Policyholder, Insured or Beneficiary actually receives the funds.

A short description, price, comparison table or marketing text on the Website is summary information and does not replace the full insurance terms.

For matters concerning coverage, exclusions, limits, time periods and claims payments, the relevant policy and insurance contract prevail. For matters concerning Acton's services, a separate brokerage agreement, if any, prevails, followed by these Terms.

Mandatory law always prevails. An ambiguous standard term is interpreted in favour of the consumer in accordance with Georgian law.

The Website and documents may be available in Georgian, English and Russian. If the versions differ, the Georgian version prevails unless the law or a particular contract provides otherwise.

The User must use the Website in good faith, lawfully and only for the purpose for which the relevant function is intended.

The following is prohibited:

• unauthorised access to the Website, circumvention of security measures or disruption of its operation;
• uploading malicious code, false data, fraudulent applications or material that infringes a third party's rights;
• automated mass extraction of data, scraping, data mining or imposing load on the system without Acton's prior written consent;
• unauthorised use of another person's account, payment instrument or personal data;
• use of the Website, information published on it or its services for an unlawful, misleading or commercial resale purpose.

Acton may restrict the relevant function in proportion to the breach, retain necessary evidence and refer the matter to an authorised body where permitted by law.

The Website's code, design, text, graphics, logo, data structure and other materials are protected by intellectual property law and belong to Acton or the relevant rights holder.

The User receives a limited, non-exclusive and non-transferable right to use the Website for personal purposes or the lawful purposes of the User's own activities. This right does not include commercial reproduction or resale of materials or use of the brand.

Ownership of a document, photograph or other material uploaded by the User remains with the User or the relevant rights holder. The User grants Acton only the right of use necessary for the application, policy, claim or support process.

The User confirms that use of uploaded material does not infringe any third party's rights and that the User has the required authority.

The Website may use or connect to services provided by an Insurer, bank, payment provider, identification provider, messaging provider, mapping provider, analytics provider or another third party.

A third party's own terms and privacy policy may apply to its services. At the relevant stage, the User will have an opportunity to review them where they directly govern the User's transaction.

Acton does not control every aspect of an independent third party's system and is not responsible for that party's conduct beyond the scope of Acton's responsibility under law or contract. This provision does not limit the User's mandatory rights or Acton's responsibility for its own selection, integration or breach.

The AI assistant integrated into the Website is a supplementary information tool and may occasionally provide an incomplete, inaccurate or outdated response.

A response from the AI assistant is not an insurance Offer, policy, official decision of an Insurer or legal, tax, medical or other professional opinion.

Before making a final choice, the User must check the response against the full terms of the relevant product and, where necessary, contact an Acton employee or the relevant Insurer.

The User must not enter into the AI assistant more personal, financial or health data than is necessary for the specific secure process. Data are processed in accordance with the Privacy Policy.

Where a decision based solely on automated processing may have legal or another material effect on the User, the safeguards required by law apply, including the right to request human intervention where applicable.

Acton uses reasonable technical and organisational measures to secure the Website and maintain its availability, but cannot give an absolute guarantee that the services will always be uninterrupted or free from every error or cyber risk.

Services may be temporarily restricted because of planned maintenance, an accident, a power or communications outage, a third party system problem, a cyberattack or another circumstance. Acton will take reasonable measures to resolve the disruption and reduce loss.

A party is not treated as being in breach to the extent and for the period that performance is objectively impossible because of an unforeseeable and unavoidable circumstance beyond that party's reasonable control, provided that the party takes reasonable mitigating measures.

Force majeure does not discharge any payment, refund, confidentiality or data security obligation that has already arisen to the extent that performance remains possible.

Acton is liable for loss caused by its own culpable act or omission to the extent provided by Georgian law and the relevant contract.

Acton is not responsible for an Insurer's refusal to accept a risk, a price change, a loss assessment or a claims payment decision, except where the loss was caused by Acton's incorrect transfer of information, excess of authority or another breach.

Acton is not responsible for consequences caused by the User's provision of inaccurate information, failure to secure an account or failure to comply with policy requirements to the extent that the relevant circumstance directly caused those consequences.

Nothing in these Terms excludes or limits liability for wilful misconduct, gross negligence, death or personal injury, breach of a mandatory consumer right or any other matter for which liability cannot lawfully be excluded.

Personal data are processed in accordance with Georgian law and Acton's Privacy Policy, available at acton.ge/privacy.

Processing may be based on the conclusion or performance of a contract, a legal obligation, consent, legitimate interests or another lawful basis. Processing necessary for the service does not depend on marketing consent.

Direct marketing is carried out only with the User's prior consent. Refusal or withdrawal of consent does not terminate the core service or result in refusal of service.

The User may stop direct marketing free of charge through the same method by which the message was received or through another available Acton channel. Acton will comply with the request within a reasonable time and no later than seven working days.

If Acton records a telephone call with the User for quality assurance, complaint handling or evidentiary purposes, the User will be informed before the recording begins.

The use of cookies and similar technologies is governed by the Privacy Policy or Cookie Policy and, for non-essential technologies, by the applicable consent management mechanism.

A complaint concerning Acton's services may be submitted by email to broker@acton.ge or by telephone at +995 599 56 56 64. Receipt of a written complaint will be acknowledged electronically.

To facilitate effective review, a complaint should include the User's name or corporate name, contact information, application or policy number, a description of the issue, the requested outcome and supporting documents, if any.

Acton reviews complaints fairly and within a reasonable time, normally no later than 30 calendar days. If additional time is required because of the complexity of the matter, information needed from a third party or another objective reason, the User will be informed of the reason and the expected response date. Any shorter statutory period remains applicable.

If a complaint concerns performance of the policy, claims handling or a claims payment, Acton will assist the User in approaching the relevant Insurer, although the complaint may need to be submitted directly to the Insurer.

Acton's insurance intermediation activities are supervised by the Insurance State Supervision Service of Georgia at insurance.gov.ge. The User's right to apply to a court or another authorised body remains unaffected.

These Terms are governed by the laws of Georgia.

In the event of a disagreement, the parties will first try to resolve the matter in good faith through negotiation and the complaint procedure.

If no agreement is reached, the dispute will be heard by a competent court in accordance with Georgian law. This provision does not restrict any territorial, procedural or alternative remedy granted to a consumer by law.

Acton may update these Terms because of changes in law, services, technology or business processes. The updated version will be published on the Website with its last-updated date.

If a change is material, Acton will use a reasonably available channel to notify Users whose ongoing services may be materially affected.

A new version applies to services used after it takes effect. Publication on the Website alone does not amend an insurance contract already concluded or rights already accrued unless there is a legal basis or agreement between the parties.

If a provision of these Terms is found to be invalid, ineffective or unenforceable, the remaining provisions remain in force. The invalid term will be replaced by a lawful term that most closely reflects its original purpose while preserving mandatory consumer rights.

Acton's failure to exercise a right on one occasion does not constitute a waiver of that right.

Headings are used only to help navigate the document and do not affect the meaning of the provisions.

Acton may engage an authorised third party to perform a technical or operational part of the service. This does not reduce Acton's statutory responsibility or the User's rights.

• Legal entity: შპს „სადაზღვევო საბროკერო აქტონი“ (English translation: ACTON Insurance Broker LLC)
• Identification number: 405268981
• Insurance broker registration: No. 012045
• Correspondence address: 37M Ilia Chavchavadze Avenue, Axis Towers, Tbilisi 0162, Georgia
• Telephone: +995 599 56 56 64
• Email: broker@acton.ge
• Website: acton.ge
• Current version of the Terms and Conditions: 13 September 2026