Terms and conditions of use of the BMI website

Terms and Conditions


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 DEL ECUADOR COMPAÑÍA DE SEGUROS DE VIDA SA and BMI IGUALAS MÉDICAS DEL ECUADOR SA ( on the whole, "BMI”), through its website https://www.bmicos.com/ecuador/ (he "Website”).

The fact of accessing the Website and using the materials contained therein implies that you have read and accept, without reservation, these Conditions of Use. If you do not agree with all or part of these Conditions of Use, the User must refrain from using the Website as well as the shopping portal.


Domain administration https://www.bmicos.com/ecuador/ corresponds to BMI, whose main address is located at Av. Shyris y Suecia, Renazzo Plaza building, 12th floor, City of Quito - Ecuador. For any questions, you can contact BMI, by email: postventaec@bmicos.com; or by phone: 1800-264-264, our telephone service hours are hours, Monday through Friday.


For the purposes of these Terms and Conditions, the following definitions will be taken:

    • 2.1 BMI: Website administrators.
    • 2.2 Product/s and/or Service/s: Any product and/or service promoted, offered and marketed through the Website.
    • 2.3 Website: Platform managed by BMI in which information is provided on the different services offered.
    • 2.4. User: Natural or legal person who browses the Website and/or the User who accepts these Terms and Conditions.


Each time a natural person enters the Website by himself or through an authorized person and makes use of it, he accepts 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 operation. In the event that any 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 from time to time and without prior notice by BMI, however, once the modifications have been made, BMI will promptly communicate that changes have been made, so Users must consult the Terms and Conditions to find out about the changes in force at time of your purchase.


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

In no case can it be understood or interpreted that any concession or license is being delivered or granted with respect to any intellectual property right. It is also not allowed to use the links of the Website and/or make references to them. Access to this material is not intended to constitute or imply any relationship between the User and BMI, or any other type of trust or professional relationship between BMI and the User of the Website.

Likewise, the User must not send BMI any type of confidential information without having previously consulted with one of our collaborators and having received authorization to send said information.


In general, the User undertakes to comply with the Conditions of Use, as well as to comply with the special warnings or instructions for use contained therein, on the Website and always act in accordance with the law, good customs and the requirements of in good faith, using due diligence, and refraining from using the Website in any way that could prevent, damage or deteriorate its normal operation, the assets or rights of BMI, its suppliers, its workers or in general of any third.

Access, registration and use of the Website to minors is prohibited without the express consent of their parents. BMI is not responsible for the veracity and accuracy of the data disclosed by the User, and therefore cannot verify their age. Specifically, and without implying any restriction to the previous section while using the Website, the User agrees to:

    • Make use of this Website in accordance with the Terms and Conditions established in this document.
    • Provide truthful, precise and legitimate information that is requested to carry out the 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 himself.
    • Not impersonate any natural or legal person, nor use or provide a false email address or one that does not correspond to the User.
    • Do not introduce, store or disseminate 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 in a way that violates morality, public order, fundamental rights, public liberties, honor, privacy or the image of third parties and in general current regulations.
    • Not introduce, store or disseminate through the Website any program, data, virus, code, or any other electronic or physical device that is likely to cause damage to the Website, in any of the services, or in any of the equipment, systems or networks of BMI, of any other user, of the suppliers or in general of any third party.
    • Not carry out advertising or commercial exploitation activities through the Website, and not use its contents and information to send advertising, or send messages for any other commercial purpose, or to collect or store personal data of third parties.
    • Not destroy, alter, use for their own use, render useless or damage the data, information, programs or electronic documents of BMI, its suppliers or third parties.
    • Not to introduce, store or disseminate through the Website any content that infringes the intellectual property rights or business secrets of third parties, or in general any content of which it does not hold, in accordance with the law, the right to make it available to third parties.


BMI undertakes to make every effort to ensure that the content of the Website is as accurate as possible, even when it may contain inaccuracies or errors or be out of date, without any liability to BMI. Likewise, BMI may modify the content of the Website at any time and without the need for prior notice and does not assume any commitment to update it at any time. It will be the User's responsibility to consult, verify or ratify the information through the contact information provided for this purpose.


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 queries that Users may have about the products and/or services that can 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 devices and equipment, caused by reasons beyond its control. BMI.


It is optional for any User who wishes to contact BMI or one of its collaborators through the Website, to complete the registration through the contact form in all the fields with valid and true data, so that BMI or its collaborators can contact each other. with you. The User, under his sole responsibility, must complete the information with his personal data in a true, exact and precise manner. BMI is not responsible for the veracity and accuracy of the data provided by the User.


These Terms of Use refer only to the BMI Website and do not apply to links, web pages and/or third-party applications accessible through it or, in general, any other service provided by third parties.

Consequently, BMI does not assume any type of responsibility that may derive from them. In case of accessing other networks or computer resources, the User agrees to submit to the provisions of the corresponding use and privacy policies. BMI offers the User said links and information and/or services solely for the convenience of the User, being the responsibility of the User to read and accept the terms of use and privacy policies published on said websites or linked applications.


BMI is the owner of all intellectual property rights or of any other type on the Website and all the contents published on it, including information, data, software, photographs, graphics, videos, fonts, music, sounds and others. material, is protected by copyright, trademark, patent or other intellectual property rights.

All content is protected by copyright as a joint work protected by international copyright and industrial property laws in force in Ecuador. In the event that you consider that one of the services promoted on the Website violates your intellectual property rights, contact the email postventaec@bmicos.com .

In no case will it be understood that any license is granted or that said rights are waived, transferred, transferred, in whole or in part, nor is any right or expectation of right conferred, and especially, of alteration, exploitation, reproduction, distribution or public communication. about said contents without the prior express and 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, so the content may not be exploited, reproduced, distributed, modified, publicly communicated, assigned, transformed or used. of the Website.


BMI will protect Users' personal data and use it only to the extent permitted by law or as long as Users have given their consent. Review the Privacy Notice and the Cookies Policy to have more information on how we treat your personal data.


These Conditions of Use are governed by the laws of the Republic of Ecuador.


BMI reserves the right to extend/modify the Terms and Conditions at any time and at its sole discretion. BMI is under no obligation to notify you of any modification to the Terms and Conditions, and is free to publish any errata it deems pertinent in the event of errors being 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 reasons, security, control, maintenance, power failures or any other cause.


Access and use of the Website means full compliance with these Terms and Conditions by the User. In the event of a dispute arising from the application and/or interpretation of these Terms and Conditions, the parties will make their best efforts to reach an agreement, and ultimately will submit to the jurisdiction of the civil courts of the city of quit.

The Terms and Conditions have been approved on May 8, 2023. The last modification was made on May 8, 2023.