Operator: Individual Entrepreneur “Alexey Polyanskiy”, ID 306427916, Politsiis St., Isani-Samgori, Tbilisi, Georgia, e-mail: a1@100doc.ge, тел.: +995 591 684 596 (hereinafter — the "Operator").
Insurer: JSC "International Insurance Company IRAO" (ID 205023856) (hereinafter — the "Insurer" / "IRAO").
eSIM supplier: ESIM ACCESS LIMITED (Hong Kong); mobile network — Magti (Georgia).
1.1. This document constitutes a public offer of the Operator within the meaning of Articles 328–335 of the Civil Code of Georgia. By placing an order and making payment, the user accepts the offer, which constitutes the conclusion of an agreement between the user and the Operator.
1.2. The Operator provides the user with the following services and sells the following goods (hereinafter together — the “Products”): (a) selection and online arrangement of tourist insurance policies of JSC “International Insurance Company IRAO” (ID 205023856); (b) sale of eSIM — mobile internet packages for trips to Georgia (hereinafter — “eSIM”). For the insurance product (item “a”) the Operator is an insurance agent of the Insurer and acts on the basis of an agency agreement with IRAO. The Operator is not an insurance company and does not provide insurance services. For eSIM (item “b”) the Operator is the seller. The eSIM supplier is ESIM ACCESS LIMITED (Hong Kong), the network is Magti (Georgia).
1.3. IRAO is the insurer and the bearer of the insurance risk under the policy. The scope of coverage, limits, exclusions, and settlement procedure are determined by the insurance policy and IRAO's insurance rules. In the event of any discrepancy between information on the website and the terms of insurance, the terms of the Insurer shall prevail.
1.4. Information on the website is for informational purposes only and may be presented in a simplified form.
2.1. Operator: Individual Entrepreneur “Alexey Polyanskiy”, ID 306427916, address: Politsiis St., Isani-Samgori, Tbilisi, Georgia, e-mail: a1@100doc.ge, тел.: +995 591 684 596.
2.2. Insurer: JSC "IRAO", ID 205023856, support phone: (032) 2 949 949, e-mail: office@irao.ge.
2.3. Governing law: the legislation of Georgia. In the event of a discrepancy between language versions, the Russian version shall prevail.
2.4. eSIM supplier: ESIM ACCESS LIMITED, Hong Kong. Mobile network — Magti (Georgia).
3.1. The price displayed in the Service is the retail price of the Operator’s service for arranging the policy or the price of the eSIM. The price is stated inclusive of all applicable taxes.
3.2. The policy price paid by the user consists of two components: (a) the insurance premium, which for IRAO policies is determined by the Insurer, stated in the policy and remitted to IRAO in full; and (b) the Operator’s service fee — remuneration for online arrangement, instant issuance of the policy and support. The amount stated in the policy as the insurance premium is included in the price paid and is not a separate additional payment. The total amount payable, including the service fee, is shown to the user before payment. The amount of the service fee is shown as a separate line in the receipt sent to the user by e-mail.
3.3. By paying for the order, the user confirms agreement with the total cost of the service and with the fact that it includes the Operator's service fee.
3.4. The eSIM price shown on the website before payment is final and includes all taxes and the Operator’s remuneration. In the receipt, the Operator’s remuneration for all products of the order is shown as a single service-fee line.
4.1. The user selects a product, fills in the required data and pays for the order in the Service. Before payment, the following are available to the user: the Insurer’s insurance terms and rules, this offer, the privacy policy and the refund policy.
4.2. Before payment, the user confirms by a mandatory checkbox that they have read the insurance terms, this offer, the refund policy and the privacy policy. Arrangement is not possible without this confirmation.
4.3. If the User pays for the order before entering passport details, the User undertakes to provide them within 7 days of payment via the link sent to their e-mail and WhatsApp. The policy is not issued until the details are provided. If the details are not provided within 7 days, the Operator refunds the policy price under the Refund Policy; the service fee is non-refundable.
4.4. After payment, the data is transferred to the Insurer; the Insurer registers the policy, and the policy together with the confirmation is sent to the specified e-mail address.
4.5. Before payment the user confirms agreement with this offer, the Refund Policy and the Privacy Policy by ticking the corresponding box. Without this, payment is not available. The Operator stores the date and time of the consent, the version of the offer, the IP address and information about the user’s device.
4.6. When ordering an eSIM, by ticking the consent box the user expressly asks the Operator to issue the eSIM immediately after payment, before the withdrawal period expires.
4A.1. After receiving payment, the Operator automatically orders the eSIM from the supplier and sends the user an e-mail with the order number, a QR code, the data for manual activation (SM-DP+ address and activation code), installation instructions and a link to the order page. As a rule, the e-mail arrives within a few minutes of payment.
4A.2. The eSIM is deemed delivered to the user at the moment the e-mail referred to in clause 4A.1 is sent. The time of sending is recorded in the Operator’s system.
4A.3. The eSIM must be installed before the date stated in the e-mail. The validity period of the package starts from the first connection to the network in Georgia, not from the moment of installation. Unused volume is neither carried over nor compensated once the package expires.
4A.4. The user independently verifies that their device supports eSIM and is not carrier-locked. For the eSIM to work, the user enables mobile data and "Data roaming" for it.
4A.5. The QR code and the activation code are valid once only. The user does not pass them to third parties. The Operator is not liable for the consequences of transferring or losing this data.
4A.6. The eSIM provides mobile internet only. Calls and SMS over the eSIM are not provided unless the package description states otherwise.
4A.7. If the user has followed the instructions and the eSIM does not connect for a technical reason on the side of the Operator or the supplier, the Operator issues a new eSIM free of charge. If that one does not work either, the Operator refunds the price of the order.
5.1. The Operator undertakes: for policies — to transfer the data to the Insurer and ensure delivery of the policy to the user’s e-mail; for eSIM — to send the user the data for installing the eSIM in accordance with section 4A and to provide installation support via WhatsApp, Telegram and e-mail; and also to provide support on arrangement and payment matters.
5.2. The user undertakes to provide accurate data. The user is responsible for the accuracy of the information they provide.
6.1. The Operator is a seller and intermediary of the insurance product and is not a provider of the insurance service. Any claims relating to the insurance service, including decisions on insured events and denials of payment, are resolved directly between the Insurer and the policyholder.
6.2. The Operator is not liable for: the Insurer's decisions on insured events; the scope of coverage and exclusions established by the Insurer; the quality of services provided by third-party suppliers; delays caused by third parties; technical failures beyond the Operator's control.
6.3. Contacts for insured events are indicated in the policy and on the "Legal Information" page.
6.4. The Operator is not liable for the quality and coverage area of the mobile network, data transmission speed, compatibility of the user’s device with eSIM, or for the impossibility of using the eSIM because of the user’s device settings.
6.5. The Operator’s aggregate liability for an eSIM order is limited to the price of that order.
7.1. The refund procedure is set out in a separate Refund Policy, which is an integral part of this offer.
7.2. The Operator's service fee is non-refundable, since the service of online policy arrangement is provided as a one-time service and is deemed rendered at the moment the policy is issued. This does not affect the right to a refund of the insurance premium in cases provided for by law and IRAO's rules. Refunds for eSIM are governed by section 2A of the Refund Policy.
8.1. Personal data is processed in accordance with the Law of Georgia "On Personal Data Protection" and the Privacy Policy, which is an integral part of this offer.
9.1. Inquiries regarding the operation of the Service should be directed to the Operator: a1@100doc.ge. Questions regarding an insured event should be directed to the Insurer: office@irao.ge, (032) 2 949 949.
9.2. Disputes are resolved through negotiation. If agreement cannot be reached, disputes are resolved in accordance with the legislation of Georgia. The consumer has the right to apply to the Georgian National Competition Agency.
10.1. The Operator may amend this offer; the current version is published on the website with its date. The version in force at the time the order was placed applies to the relationship. Previous versions are available via the links at the bottom of the page and on request at a1@100doc.ge.
10.2. The invalidity of a particular provision does not entail the invalidity of the offer as a whole.
10.3. Matters not regulated by this offer are governed by the legislation of Georgia.