This page contains the legal notice, the comprehensive privacy notice under Mexican law, additional information for European Economic Area users, and the site's cookie policy.
In compliance with applicable information duties, the following identifying details of the owner of this website are provided:
| Trade name | INSURVERA (commercial brand) |
|---|---|
| Owner and controller | Rubén José Fraile Villalba |
| Address | Mexico City, Mexico |
| info@insurvera.com | |
| Website | www.insurvera.com |
INSURVERA is a commercial brand operated by Rubén José Fraile Villalba (hereinafter, "INSURVERA" or "the Owner"). Accessing and using this website confers user status and implies full and unreserved acceptance of all provisions set out in this Legal Notice.
This website is informational and corporate in nature only. Its purpose is to present the strategic consulting activity carried out by INSURVERA in the insurance, automotive and mobility sectors.
Essential limitation. The content of this website does not constitute professional, legal, financial, actuarial or investment advice, nor does it constitute any binding offer, invitation or recommendation. Any decision made on the basis of the information published here is the user's sole responsibility.
It is expressly stated that INSURVERA provides strategic and operational consulting and advisory services, and that it is not an insurer, reinsurer, insurance agent, insurance broker or insurance intermediary before any supervisory authority.
Accordingly, INSURVERA does not market, underwrite, quote, place or intermediate insurance policies or products, nor does it carry out any activity reserved under applicable regulations to insurance undertakings or insurance intermediaries. References to insurance products, programs or models contained on this site are made solely to describe the Owner's consulting experience and capabilities.
All content on this website — including, without limitation, texts, images, graphic design, navigation structure, source code, logos, the "INSURVERA" distinctive sign and its visual identity — is owned by the Owner or by third parties who have authorised its use, and is protected by national and international intellectual and industrial property regulations.
Reproduction, distribution, public communication, transformation or any other form of exploitation, in whole or in part, of such content without the prior, express and written authorisation of the Owner is prohibited. Accessing the website grants the user no licence or right of use over such content.
Testimonials and track-record references included on this website are published on an anonymised basis, without identifying the entity or individual concerned, pursuant to the confidentiality commitments assumed by INSURVERA with its clients. Such references describe work actually performed and do not constitute a guarantee or forecast of future results, which will depend in each case on the specific circumstances of each project.
The Owner acts with due diligence so that the information published is accurate and up to date. However, it does not warrant the absence of errors or omissions, nor the permanent validity of the content, and reserves the right to modify, suspend or remove it at any time without prior notice.
The Owner shall not be liable for: (i) decisions taken by the user on the basis of the published information; (ii) interruptions, delays, errors or failures in accessing the website arising from causes beyond its control; or (iii) damage arising from viruses or other harmful elements introduced by third parties.
This website may contain links to sites owned by third parties (including LinkedIn). Such links are provided for information purposes. The Owner does not control and assumes no liability for the content, privacy policies or practices of such sites, which are accessed at the user's sole risk and subject to their own terms of use.
The user undertakes to make diligent and lawful use of the website and, in particular, to refrain from: (i) using it for unlawful purposes or purposes harmful to third-party rights; (ii) attempting unauthorised access to its systems; (iii) introducing or spreading viruses or any element liable to cause damage; and (iv) extracting its content in an automated, systematic or massive manner, including published email addresses, in particular for the purpose of sending unsolicited commercial communications.
This Legal Notice is governed by the laws of the United Mexican States. For the resolution of any dispute arising from access to or use of this website, the parties expressly submit to the competent courts of Mexico City, waiving any other jurisdiction that may correspond to them.
The foregoing is without prejudice to any rights that may mandatorily correspond to users resident in the European Economic Area under applicable European Union regulations (see section 3).
In compliance with the Mexican Federal Law on the Protection of Personal Data Held by Private Parties (hereinafter, "the Law"), its Regulations and the Privacy Notice Guidelines, this Comprehensive Privacy Notice is made available to data subjects.
Language. This is a courtesy translation. In the event of any discrepancy between versions, the Spanish version shall prevail.
| Controller | Rubén José Fraile Villalba, operating the commercial brand INSURVERA |
|---|---|
| Address | Mexico City, Mexico |
| Contact email | info@insurvera.com |
| Scope | Personal data collected through the website www.insurvera.com |
This website does not include data collection forms. Accordingly, the Controller processes only the following categories of personal data:
Data the data subject chooses to communicate on their own initiative when contacting the Controller via the email address published on the website. By way of example: full name; company or organisation; professional role or position; email address; telephone number; country of residence; and the information contained in the message, enquiry or request itself.
Data collected automatically through cookies and similar tracking technologies, only where the data subject has previously given consent through the mechanism provided for that purpose. Details are set out in section 4 (Cookie policy).
Sensitive data. INSURVERA does not request or collect sensitive personal data through this website, meaning data that the Law defines as affecting the data subject's most intimate sphere or whose misuse may give rise to discrimination or entail a serious risk for them.
Objection to secondary purposes. The data subject may at any time object to their data being processed for secondary purposes, without this affecting in any way the handling of their request or their relationship with the Controller. To do so, simply send an email to info@insurvera.com with the subject line "NEGATIVA - Datos Personales", stating the purposes objected to. In addition, as regards cookie-based purposes, objection can be exercised directly through the website's cookie settings panel.
INSURVERA does not sell, assign or trade the personal data it processes.
Data may only be disclosed or transferred in the following cases:
The transfers in points 1 and 2 do not require the data subject's consent under the Law. The transfer in point 3 is based exclusively on consent, which is revocable at any time.
By using this website and, where applicable, by sending a communication to the Controller via the published email address, the data subject acknowledges that they have read and understood this Privacy Notice and consent to the processing of their personal data on the terms described herein.
Processing for primary purposes is based on the data subject's tacit consent, as permitted by the Law for non-sensitive and non-financial data. Processing through marketing cookies is based, in all cases, on express and prior consent given through the cookie settings panel.
The data subject has the right to: (i) access their personal data and know the purposes of its processing; (ii) rectify it where inaccurate, incomplete or out of date; (iii) cancel it where they consider it is not being processed in accordance with the regulations; and (iv) object to its processing for specific purposes (collectively, "ARCO rights").
The request must be sent to info@insurvera.com, with the subject line "Ejercicio de Derecho ARCO", and must contain:
The Controller will respond by email to the address indicated by the data subject, within the periods established by applicable regulations. Exercising ARCO rights is free of charge, without prejudice to justified shipping or reproduction costs that may apply under the Law.
The data subject may withdraw consent at any time by writing to info@insurvera.com, attaching a valid, complete and legible official identification document and stating the grounds.
Withdrawal of consent relating to cookies may be carried out directly and immediately, without needing to evidence identity, through the cookie settings panel accessible from the website footer.
Withdrawal takes effect once actioned and has no retroactive effect on processing carried out previously. In certain cases, the Controller may retain data strictly necessary to comply with legal obligations or to defend against potential claims.
The data subject may request the limitation of the use or disclosure of their personal data by writing to info@insurvera.com, stating the data concerned and the grounds, and attaching official identification. Where the request is upheld, the Controller will add the data subject to its exclusion list so that their data is not used for secondary purposes.
The Controller has implemented reasonable and proportionate administrative, technical and organisational security measures designed to protect personal data against loss, misuse, unauthorised access, alteration, disclosure or destruction, and to ensure its confidentiality.
The Controller does not take decisions based solely on automated processing that produce legal effects concerning the data subject or similarly significantly affect them. The use of cookies described in section 4 is for analytics and advertising purposes and does not involve profiling with such effects.
The Controller reserves the right to modify or update this Privacy Notice to address legislative developments, criteria of the competent authority, internal policies or operational needs. Any amendment will be published on this page, stating the version and update date.
For any questions regarding this Privacy Notice or the processing of personal data, the data subject may contact info@insurvera.com.
Data subjects are further informed that they are entitled to approach the competent personal data protection authority in the United Mexican States if they consider that their request has not been properly handled or that their right to personal data protection has been infringed.
Scope. This section applies only to users located in the European Economic Area and supplements — without replacing — the Privacy Notice in section 2. INSURVERA also directs its activity to the European market and therefore accepts the application of Regulation (EU) 2016/679, the General Data Protection Regulation ("GDPR"), pursuant to its Article 3(2).
Rubén José Fraile Villalba (commercial brand INSURVERA), with address at Mexico City, Mexico. Email: info@insurvera.com.
| Purpose | Legal basis (Art. 6(1) GDPR) |
|---|---|
| Handling and responding to communications sent by the user. | Legitimate interest (Art. 6(1)(f)) in handling requests received and maintaining professional relationships; and, where applicable, pre-contractual measures (Art. 6(1)(b)). |
| Marketing and analytics cookies (LinkedIn Insight Tag). | Consent (Art. 6(1)(a)), prior, express and revocable. |
| Compliance with applicable legal obligations. | Legal obligation (Art. 6(1)(c)). |
Data may be disclosed to technology providers acting as processors for the Controller, and to LinkedIn Ireland Unlimited Company and LinkedIn Corporation where the user has consented to marketing cookies.
Users are expressly informed that the Controller is established in Mexico, a country without an adequacy decision from the European Commission. Certain cookie-related processing may also involve transfers to the United States of America. Such transfers rely, as applicable, on the user's explicit consent (Art. 49(1)(a) GDPR), on the necessity of the transfer to handle their request (Art. 49(1)(b)), or on appropriate safeguards offered by the provider, such as the Standard Contractual Clauses approved by the European Commission.
Users located in the EEA may exercise, free of charge, the rights of access (Art. 15), rectification (Art. 16), erasure (Art. 17), restriction (Art. 18), portability (Art. 20) and objection (Art. 21), including objection to processing based on legitimate interest and to direct marketing, as well as the right to withdraw consent at any time (Art. 7(3)) without affecting the lawfulness of prior processing.
To exercise them, send a request to info@insurvera.com, stating the right concerned and enclosing proof of identity. The Controller will respond within one month, extendable by two further months in particularly complex cases.
Without prejudice to any other remedy, users have the right to lodge a complaint with the competent supervisory authority, in particular in their Member State of habitual residence, place of work or place of the alleged infringement. In Spain, this authority is the Spanish Data Protection Agency (AEPD) — www.aepd.es.
As this website has no forms, providing personal data to the Controller is entirely voluntary and depends on the user's own initiative. Not providing data has no consequence other than the practical impossibility of handling a request that has not been made.
Cookies are small files downloaded onto the user's device when accessing certain websites, allowing information about browsing habits or about the device to be stored and retrieved.
No marketing cookie is installed before the user gives consent through the settings panel. If the user rejects or does not respond, only necessary cookies will be used.
| Cookie | Owner | Purpose | Duration |
|---|---|---|---|
insurvera_cookie_consent | INSURVERA (first party) | Store the user's cookie choice so it is not requested again on each visit. | 12 months |
Owner: LinkedIn Ireland Unlimited Company / LinkedIn Corporation. General purpose: advertising conversion measurement, audience creation for retargeting, and aggregated demographic statistics about site visitors.
| Cookie | Purpose | Duration |
|---|---|---|
bcookie | Browser identifier cookie used to identify devices accessing LinkedIn services. | 12 months |
li_sugr | Probabilistic identity matching for analytics and advertising purposes. | 90 days |
lidc | Optimise selection of the data centre serving the request. | 24 hours |
UserMatchHistory | Synchronise LinkedIn Ads advertising identifiers. | 30 days |
AnalyticsSyncHistory | Record the time of synchronisation with LinkedIn analytics services. | 30 days |
li_gc | Store the user's consent regarding non-essential cookies on LinkedIn services. | 6 months |
Note on duration. The periods indicated are those declared by the provider and may change without notice at their discretion. Up-to-date information is available in the LinkedIn cookie table and its privacy policy.
Users may change or withdraw consent at any time, as easily as it was given, through the "Cookie settings" link permanently available in this website's footer. Withdrawal does not affect the lawfulness of processing carried out beforehand.
Users may also configure or delete cookies through their browser settings: Google Chrome, Mozilla Firefox, Apple Safari, Microsoft Edge. Please note that disabling necessary cookies from the browser may affect the correct functioning of the website.
The Controller may update this Cookie Policy in light of new legislative or regulatory requirements, or where the cookies used change. Users are advised to consult it periodically.