Terms and conditions
Terms of Use of the website

This page contains the Terms of Use of website www.bettertogether.cloud. Please read it carefully before using the website. These Terms of Use may be amended from time to time, and you will be bound by the new Terms each time you access the website. The amended Terms become effective on the date they are posted. Some of the provisions contained in these Terms of Use may also be superseded by provisions or notices published elsewhere on the website.

Access to the website
Access to www.bettertogether.cloud is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide without notice. From time to time, we may also restrict access to some parts of the website or the entire website.

By registering as a user of our website, you confirm that you are a natural person, residing in Europe, and that you are over 18 (eighteen) years of age.

You should not disclose your account information (user ID and password) and should treat such information as confidential.

We have the right to disable your user profile at any time if in our opinion you have failed to comply with the Terms of Use.

Any logos, trademarks, service marks, trade names or domain names of the companies with which we have business relationships remain the intellectual property rights of those companies, and you may not reproduce them without their prior written consent.

Any information contained on this website is protected by copyright laws.

You may copy, print out and download pages and/or extracts from the website for personal use. However, you must not modify the paper or digital copies of any materials that you have printed out or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status as the authors of the material on our website must always be acknowledged. You must not use any part of the materials or of our website for commercial purposes without our prior written consent.

www.bettertogether.cloud and its logo are protected by applicable industrial property law and are the property of Gruppo Laera Srl, having its legal office in Rome at via Paolo Emilio 7, 00192.

Limitation of liability
The materials and pages of our website are constantly updated. However, we shall not be liable for any errors or omissions, and we reserve the right to add, amend or delete information at any time. Moreover, in order to update our web pages regularly, we may need to temporarily suspend access to our website.

We process your information in accordance with our Privacy Policy. By using our website, you consent to such processing and you warrant that all data provided is accurate. Our Privacy Policy also sets out information about the cookies that we use on our website.

Transactions concluded through our website
Contracts for the supply of services executed through our website, or as a result of visits made through our website, are governed by our Terms of Use.

Uploading material and contributing to our website
Whenever you use a feature that allows you to upload material to our website, or to make contact with other users, the content of such material must not be:
  • obscene, pornographic, defamatory, offensive, disparaging, racist or illegal, sexually explicit
or promote:
  • illegal activity, violence and/or discrimination based on race, sex, religion, nationality, disability sexual orientation or age
or infringe:
  • any copyright, database right or registered trademark.
You must not use our website:
  • in any way that violates any applicable law or regulation
  • in any unlawful or fraudulent way
  • for the purpose of providing legal or financial advice to any person
  • for the purpose of making available any unsolicited or unauthorised advertising material.
Any material uploaded to our website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We will not be responsible, or liable to any third party, for the content or accuracy of any materials uploaded by any user of our website. We have the right to remove any material if, in our opinion, it does not comply with our content standards.
Personal information collected by BetterTogether
BetterTTogether collects all the information authorised by you when you registered directly or via any social media, or any information that you provided to our partners’ websites.

How personal information is used
We need your personal information to provide you with a better service, and we use it to:
  • keep internal records
  • improve products, services and offers
  • send emails about new products or groups that may be of interest to you
  • customise the website according to your interests
  • analyse this information
  • improve how insurance companies view our members.
Sharing information with third parties
We will not share your personal information with any third party, except as described in our Privacy Policy. We may share your personal information or the results of our analysis of your personal information with selected third parties, including but not limited to insurance companies. When you share content through our website and/or any third-party application, you may make personally identifiable information available on external websites; by accepting our Terms of Use during registration, you consent to the sharing of such information. The messages you send may provide aggregate information about your contacts.

Security: viruses, hacking and offences
You must not knowingly introduce viruses, trojans, worms or any other malicious or technologically harmful material into our website. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to it.

To the extent permitted by applicable law, BetterTogerther will not be liable for any loss or damage caused by any virus or other technologically harmful material that may infect your computer, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it or on any website linked to it.

We have put in place suitable physical, electronic and managerial procedures to prevent unauthorised access and protect the information that we collect online. However, when using the website www.bettertogether.cloud, and some related services, your information will travel through third-party infrastructures that are not under our control. The information we collect may be transferred to, and stored at, a destination outside the European Economic Area (EEA). It may also be processed by staff outside the EEA who work for us or by one of our partners. By submitting your personal information, you agree to this transfer, storing and processing of your information. Sensitive data is processed with encryption software or identification codes that make it temporarily unintelligible and allow identification of data subjects only when necessary, as required by Article 22, paragraph 6, of the Personal Data Protection Code, Legislative Decree n. 196 of 30 June 2003. Our system implements international security standards ISO/IEC 10118-3:2004, RFC 4868 and NIST 800-131A recommendations.

We will not be liable for any information that you may transmit to other users of the website.

Linking to our website
You may link to our website, provided that you do so in a way that is legal and not damaging to our reputation and that you do not take advantage of it. You must not create a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. The website from which you are linking must comply in all respects with the content standards set out in these Terms of Use. Our website must not be framed on any other website. We reserve the right to withdraw any permission without notice.

Links from our website
Where our website contains links to other websites and resources provided by third parties in the form of hyperlinks, these links are provided for information purposes only. These websites are owned and operated by third parties and we have no control over their content. Therefore, we will not be liable for any statements, information, products or services that are published or may be accessible through third-party websites, or for any loss or damage that may arise from your use of them.

Jurisdiction and applicable law
The Court of Rome will have jurisdiction over any existing or future dispute.

Contacting us
If you have any doubts about the material that appears on our website, or would like to contact us for any reason, our details are available on our Contacts page.

Terms of Use for registered users

Our service
We provide a brokerage service to meet the needs of our members and negotiate discounts and/or better terms and/or proposals for new insurance policies. We are remunerated through commissions based on the purchases made by our members; these commissions are divided into three parts: one is rebated to the groups, another is retained by BetterTogether and the third is rebated to the companies that provide the insurance product.

We will make all reasonable efforts to ensure that the discounts and improvements available for a particular product are accurate and up to date. Each year, we cannot guarantee the actual reduction/increase in the premiums and the re-distribution of the commissions until negotiations with insurance companies are finalised. As part of this service, we may be required to pass on your information to the insurer, if requested to do so.

Your contract with us
By registering:
  • you consent to the sharing of your information with our hosting services, our insurance partners and group of companies
  • you accept our Privacy Policy
  • you consent to receive marketing materials that we consider may be of interest to you, unless you opt out by changing your email preferences.
By joining a group:
  • you give BetterTogether a mandate to search for the requested product (such mandate does not bind you to buy the policy).
We will not share your information with any third party (except for the insurance companies related to the groups that you have joined, or in anonymised form) without first asking your permission.

The interested party, in compliance with the articles of the Private Insurance Code, declares to have printed, read, included and archived on a durable medium Terms of BussinessModels of the IVASS REGULATION n. 40/2018. In implementation of the provisions of Article 131 of the Insurance Code and the Isvap Regulation no. 23/2008, also declares to have viewed and received the table (attachment 1) containing information on the levels of commissions received by insurance companies or agencies of insurance companies with whom we have business relationships in the RCA branch, as indicated in 'Annex 4 where there is the purchase of an Rc Auto policy.

As a registered user, you are given the option of retrieving your contact lists from Twitter, Facebook and other social media. By confirming your email address on our website, you give us your explicit permission to retrieve this information for the sole purpose of sharing our services with them. Your contacts will not receive any communication that has not been sent by you.

Your contract with our partners
We recommend that you read and understand the terms of your contract. It is your obligation to ensure that the contract that you enter into meets your requirements, and BetterTogether cannot be held responsible for any incorrect purchase.