This document contains the Terms and Conditions of Use (“Terms of Use”) applicable to all individuals or legal entities, domestic or foreign, that access, use and/or subscribe to the products and/or services offered by BMI COLOMBIA COMPAÑÍA DE SEGUROS DE VIDA S.A. through its website https://www.bmicos.com/colombia/ (the “Website”).

By accessing the Website and using the materials contained on it, you acknowledge that you have read and accept these Terms of Use without any reservation. If you do not agree with all or part of these Terms of Use, the User must refrain from using the Website, as well as the purchasing portal.

1. About the domain

The domain https://www.bmicos.com/colombia/ is administered by BMI, whose principal place of business is located at Carrera 11 No 84A – 09 Oficina 903, Costado Sur, Bogotá D.C., Colombia.

For any inquiries, you may contact BMI by email at: servicioalclientecol@bmicos.com; or by phone at: (601) 5187700 Option 5. Our phone service hours are Monday to Friday from 8:00 a.m. to 5:00 p.m.

2. Definitions

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

• 1. BMI: administrators of the Website.
• 2. Product(s) and/or Service(s): Any product and/or service promoted, offered and marketed through the Website.
• 3. Website: Platform administered by BMI that provides information about the various services offered.

• 4. User: Individual or legal entity that browses the Website and/or the User who accepts these Terms and Conditions.

   

3. Acceptance of the Terms and Conditions

Each time an individual accesses the Website, either personally or through an authorized person, and makes use of it, they accept the terms and conditions set forth herein (hereinafter the “Terms and Conditions”). Consequently, each time a User accesses the Website, they must review the Terms and Conditions before carrying out any type of transaction.

If 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 on it.

The Terms and Conditions may be modified occasionally and without prior notice by BMI; however, once the modifications have been made, BMI will promptly announce that changes have been made, and Users must therefore consult the Terms and Conditions to learn of the changes in effect at the time of their purchase.

4. Purpose and scope of the Website

The purpose of the Website is for Users to consult information related to the products and/or services that BMI offers on it. Consequently, under no circumstances may the Website be put to any other use, 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. In no case shall it be understood or interpreted that any concession or license is being delivered or granted with respect to any intellectual property right. Using the Website's links and/or making references to them is also not permitted.

Access to this material is not intended to constitute, nor does it imply, any relationship between the User and BMI, nor any other type of fiduciary or professional relationship between BMI and the User of the Website. Likewise, the User authorizes BMI to receive confidential information.

5. Obligations of Users

In general, the User undertakes to comply with the Terms of Use, as well as with the special warnings or instructions for use contained therein and 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 prevent, damage or impair its normal operation, or the property 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 out in this document.
• Provide truthful, accurate and legitimate information as requested to carry out the purchase and sale of the products offered.
• Not access third-party information through the Website.
• Not allow unauthorized third parties to carry out transactions through the Website without the express consent of the User.
• Not impersonate any individual or legal entity, nor use or provide a false email address or one that does not belong to the User.
• Not introduce, store or disseminate on or from the Website any information or material that is defamatory, slanderous, obscene, threatening or xenophobic, that incites violence or discrimination on the grounds of race, sex, ideology or religion, or that in any way violates morality, public order, fundamental rights, public freedoms, the honor, privacy or 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 capable of causing damage to the Website, to any of the services, or to 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 content and information to send advertising or messages for any other commercial purpose, or to collect or store personal data of third parties.
• Not destroy, alter, use for their own purposes, disable or damage the data, information, programs or electronic documents of BMI, its suppliers or third parties.

• Not introduce, store or disseminate through the Website any content that infringes the intellectual property rights or trade secrets of third parties, nor, in general, any content for which they do not hold, in accordance with the law, the right to make it available to third parties.

   

6. Updating of information

BMI undertakes to make every possible effort to ensure that the content of the Website is as accurate as possible, even though it may contain inaccuracies or errors or may not be up to date, without any liability for BMI. Likewise, BMI may modify the content of the Website at any time and without prior notice, and assumes no commitment to update it at any time. It shall be the User's responsibility to consult, verify or confirm the information through the contact details provided for this purpose.

7. BMI's liability

The Website administered by BMI serves to inform Users about the various products and/or services provided and/or marketed by BMI, as well as to address any inquiries Users may have about the products and/or services that may be marketed by BMI.

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

8. User registration

For any User who wishes to contact BMI or one of its employees through the Website, it is optional to complete the registration via the contact form, filling in all fields with valid and truthful information, so that BMI or its employees can contact you. The User, under their sole responsibility, must complete the information with their personal data in a truthful, exact and accurate manner. BMI is not responsible for the truthfulness and accuracy of the data provided by the User.

9. Third-party links

These Terms of Use refer solely to the BMI Website and do not apply to third-party links, web pages and/or applications accessible through it or, in general, to any other service provided by third parties. Consequently, BMI assumes no liability of any kind that may arise from them. When accessing other networks or computer resources, the User agrees to be bound by the provisions of the corresponding use and privacy policies.

BMI offers the User such links and information and/or services solely for the User's convenience, and 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 rights

BMI is the owner of all intellectual property rights or rights of any other kind over the Website and all content published on it, including the information, data, software, photographs, graphics, videos, fonts, music, sounds and other material, which is protected by copyright, trademark, patent or other intellectual property rights. All content is protected by copyright as a joint work under international copyright and industrial property laws and those in force in Colombia.

If you believe that any of the services promoted on the Website infringes your intellectual property rights, please contact us by email at servicioalclientecol@bmicos.com.

Under no circumstances shall it be understood that any license is granted or that any waiver, transmission or total or partial assignment of such rights is made, nor is any right or expectation of right conferred, in particular of alteration, exploitation, reproduction, distribution or public communication of such content, without the prior express written authorization of BMI or the corresponding owners. Therefore, the use of the Website administered by BMI for public or commercial purposes other than those determined by BMI is prohibited, and the content of the Website may not be exploited, reproduced, distributed, modified, publicly communicated, assigned, transformed or used.

11. Personal data protection

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

12. Governing law

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/modify the Terms and Conditions at any time and at its sole discretion. BMI has no obligation to notify you of any modification 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, control or maintenance reasons, due to power supply failures or for any other cause.

14. Dispute resolution

Access to and use of the Website signifies the User's full agreement 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 their best efforts to reach an agreement and, as a last resort, will submit to the ordinary jurisdiction of the city of Bogotá.

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