This document contains the Terms and Conditions of Use (“Terms of Use”), applicable to all natural or legal persons, national or foreign, who access, use and/or subscribe to the products and/or services offered by BMI COLOMBIA COMPAÑÍA DE SEGUROS DE VIDA SA through its website https://www.bmicos.com/colombia/  (he "Website”).

Accessing the Website and using the materials contained therein implies that you have read and accept, without reservation, these Terms of Use. If you do not agree with all or part of these Terms of Use, you must refrain from using the Website or the shopping portal.

1. ABOUT THE DOMAIN

Domain administration https://www.bmicos.com/colombia/  This company belongs to BMI, whose main address is Carrera 11 No. 84A – 09, Office 903, Costado Sur, Bogotá DC, Colombia. For any questions, please contact BMI at the following email address: customerservicecol@bmicos.com ; or by phone: (601) 5187700 Option 5, our telephone service hours are Monday through Friday from 8:00 am to 5:00 pm.

2. DEFINITIONS

For the purposes of these Terms and Conditions, the following definitions shall apply:

• 1 BMI: Website administrators.
• 2 Product/s and/or Service/s: Any product and/or service promoted, offered and marketed through the Website.
• 3 Website: Platform managed by BMI that provides information on the different services offered.
• 4. User: Natural or legal person who browses the Website and/or the User who accepts these Terms and Conditions.
  
  

3. ACCEPTANCE OF TERMS AND CONDITIONS

Each time a natural person enters the Website, either themselves or through an authorized person, and uses it, they accept the terms and conditions set forth herein (hereinafter, the "Terms and Conditions"). Consequently, each time a User enters the Website, they must review the Terms and Conditions before carrying out any type of transaction. In the event that a User does not agree with these Terms and Conditions, they must refrain from carrying out any transaction on the Website, as well as from providing personal information within it. The Terms and Conditions may be modified occasionally and without prior notice by BMI; however, once modifications are made, BMI will promptly communicate that changes have been made. Therefore, Users must consult the Terms and Conditions to learn about the changes in effect at the time of their purchase.

4. PURPOSE AND SCOPE OF THE WEBSITE

The Website is intended for Users to consult information related to the products and/or services offered by BMI. Consequently, under no circumstances may the Website be used for any other purpose, nor may the content of the Website be copied, forwarded, reproduced, reused, sold, transmitted, distributed, downloaded, licensed, modified, published, or otherwise used for public or commercial purposes.

Under no circumstances may this be understood or interpreted as granting or granting any concession or license regarding any intellectual property rights. The use of links on the Website and/or references to them is also prohibited. Access to this material is not intended to constitute or imply any relationship between the User and BMI, nor any other type of trust or professional relationship between BMI and the User of the Website. Furthermore, the User authorizes BMI to receive confidential information.

5. USER OBLIGATIONS

In general, the User undertakes to comply with the Terms of Use, as well as to comply with any special warnings or instructions for use contained therein, on the Website and to always act in accordance with the law, good customs and the requirements of good faith, exercising due diligence, and refraining from using the Website in any way that may impede, damage or impair its normal operation, the assets or rights of BMI, its suppliers, its employees or, in general, any third party. The User undertakes to:

• Use this Website in accordance with the Terms and Conditions set forth in this document.
• Provide truthful, accurate, and legitimate information as requested to carry out the purchase and sale of the products offered.
• Do not access third-party information through the Website.
• Do not allow unauthorized third parties to carry out operations through the Website without the express consent of the User.
• Do not impersonate any natural or legal person, nor use or provide a false email address or one that does not correspond to the User.
• Not to introduce, store or distribute on or from the Website any information or material that is defamatory, insulting, obscene, threatening, xenophobic, incites violence or discrimination based on race, sex, ideology, religion or that in any way violates morality, public order, fundamental rights, public freedoms, honor, privacy or the image of third parties and, in general, current regulations.
• Not to introduce, store or distribute through the Website any program, data, virus, code, or any other electronic or physical device that could cause damage to the Website, any of the services, or any of the equipment, systems or networks of BMI, any other user, suppliers or, in general, any third party.
• You may not engage in advertising or commercial exploitation activities through the Website, nor may you use its content and information to send advertising or messages for any other commercial purpose, nor may you collect or store personal data of third parties.
• Not to destroy, alter, use for your use, render useless or damage the data, information, programs or electronic documents of BMI, its suppliers or third parties.
• Not to introduce, store or distribute through the Website any content that infringes the intellectual property rights or trade secrets of third parties, or in general any content for which you do not have, in accordance with the law, the right to make available to a third party.
  
  

1. UPDATE INFORMATION
   
   

BMI undertakes to make every effort to ensure that the content of the Website is as accurate as possible, even if it may contain inaccuracies or errors or be outdated, without any liability for BMI. Furthermore, BMI may modify the content of the Website at any time and without prior notice and assumes no obligation to update it at any time. It is the User's responsibility to consult, verify, or confirm the information using the contact information provided for this purpose.

7. BMI RESPONSIBILITY

The Website managed by BMI serves to inform Users about the different products and/or services provided and/or marketed by BMI, as well as any questions Users may have about the products and/or services that may be marketed by BMI.

BMI is not responsible for any damages that may arise from interference, omissions, interruptions, computer viruses, breakdowns and/or disconnections in the operational functioning of the electronic system or in the Users' computer equipment and devices, caused by reasons beyond BMI's control.

8. USER REGISTRATION

It is optional for any User who wishes to contact BMI or one of its partners through the Website to complete the registration process using the contact form, providing valid and truthful information in all fields, so that BMI or its partners can contact you. The User, under his or her sole responsibility, must complete his or her personal information truthfully, accurately, and precisely. BMI is not responsible for the veracity and accuracy of the data provided by the User.

9. THIRD PARTY LINKS

These Terms of Use apply solely to the BMI Website and do not apply to any third-party links, websites, and/or applications accessible through the Website or, in general, any other services provided by third parties.

Consequently, BMI assumes no liability for any such links or information that may arise from such links. When accessing other networks or computer resources, the User agrees to abide by the provisions of their respective usage and privacy policies. BMI offers the User these links, information, and/or services solely for the User's convenience. It is the User's responsibility to read and accept the terms of use and privacy policies published on such linked websites or applications.

10. INTELLECTUAL PROPERTY LAW

BMI owns all intellectual property rights and other rights in and to the Website, and all content published on the Website, including information, data, software, photographs, graphics, videos, fonts, music, sounds, and other material, is protected by copyright, trademark, patent, or other intellectual property rights.

All content is protected by copyright as a collective work, protected by international and Colombian copyright and industrial property laws. If you believe that one of the services advertised on the Website violates your intellectual property rights, please contact us at customerservicecol@bmicos.com .

In no case shall it be understood that any license is granted or that any waiver, transfer, assignment of all or part of said rights is made, nor is any right or expectation of right conferred, and in particular, of alteration, exploitation, reproduction, distribution or public communication of said contents without the prior express written authorization of BMI or the corresponding owners.

Therefore, the use of the Website managed by BMI for public or commercial purposes other than those determined by BMI is prohibited, and therefore the content of the Website may not be exploited, reproduced, distributed, modified, publicly communicated, transferred, transformed or used.

11. PROTECTION OF PERSONAL DATA

BMI will protect Users' personal data and use it only to the extent permitted by law or with Users' consent. Please review the Personal Data Processing Policy and Cookie Policy for more information on how we process your personal data.

12. APPLICABLE LEGISLATION

These Terms of Use are governed by the laws of the Republic of Colombia.

13. MODIFICATIONS TO THE TERMS OF USE
    
    

BMI reserves the right to expand or modify the Terms and Conditions at any time and at its sole discretion. BMI is under no obligation to notify you of any changes to the Terms and Conditions and is free to publish any errata it deems appropriate if errors are found in these Terms and Conditions.

BMI reserves the right to suspend or terminate access to the Website at any time and without prior notice, whether for technical, security, monitoring, maintenance, power outages, or any other reason.

14. CONFLICT RESOLUTION

Access to and use of the Website constitutes the User's full compliance with these Terms and Conditions. In the event of a dispute arising from the application and/or interpretation of these Terms and Conditions, the parties will make every effort to reach an agreement and will ultimately submit to the ordinary jurisdiction of the city of Bogotá.

The Terms and Conditions were approved on April 28, 2025.