I. General Information.

1. “DZI Life Insurance" EAD, Company ID 121518328, having its head office and registered address at 89B, Vitosha Blvd., Sofia, carrying out insurance business pursuant to License to Carry Out Insurance Business No. 2/13.05.1998, using a website www.dzi.bg.

2. The supervisory authority of the insurance company is the Financial Supervision Commission, with address at 16, Budapest Str., Sofia.

3. The mobile application KakSi provides services related to improving the user's health status through a smart algorithm analyzing user activity, access to health tips and articles, provision of special offers from DZI – Life Insurance EAD, DZI – General Insurance EAD and other partners of these companies, as well as access to the health insurance services of DZI – Life Insurance EAD through a digital health card, access to online medical service portals, which may be application-based or web-based services ("Mobile Services"). These mobile services are provided free of charge and can be used by all registered users.

4. These General Terms and Conditions govern the relations between DZI – Life Insurance EAD, on the one hand, and the users of the mobile application, on the other hand, in connection with the installation and use of the mobile application and the services provided by it.

 

II. Registration and Installation.

1. The application is available for download and installation on a mobile device from the Google Play Store and the Apple Store. For the normal use of the application, users must have terminal mobile devices (smartphones) running Android 13, iOS 16, or later, newer software versions, as well as an Internet connection - mobile or wireless (Wi-Fi). In case the user does not have the relevant software, hardware and/or Internet connection, the use of the application will be prevented. Data traffic when using the application, both in Bulgaria and abroad (roaming), shall be charged and rated according to the terms of the subscription or prepaid plan used by the user, and the current price list of the serving mobile operator.

2. To successfully register at the mobile application, the user must provide their phone number, to which they will receive an activation code. The initial login to the mobile application is done by entering a phone number and filling in the unique activation code, which the mobile application shall send to the user in the form of an SMS. The mobile application allows only one active session to be maintained at one mobile device.

 

 

III. Acceptance and Consent.

1. The User must carefully read these General Terms and Conditions and the Privacy Policy before expressing their consent with these documents and continuing the registration process at the mobile application. In case the user does not agree with any of the provisions of these General Terms and

Conditions or the Privacy Policy, they will not be able to access or use the mobile application, nor the software, services, information or any of its functionality.

2. The use of the services of the mobile application is based on these General Terms and Conditions. By checking the appropriate box upon initial registration, the user:

2.1. agrees that this electronic statement constitutes their electronic signature, within the meaning of the Electronic Document and Electronic Certification Services Act;

2.2. expressly agrees that the legal force of the electronic signature thus affixed by them is equivalent to the legal force of their handwritten signature;

2.3. explicitly agrees to and will be bound by these General Terms and Conditions.

3. If, after registering on the mobile application, the user decides that they do not agree with any of the provisions of these General Terms and Conditions, the user must delete their account (deregister) and uninstall the mobile application. The lack of such deregistration or, respectively, the use of the mobile application, shall mean that the user agrees to the General Terms and Conditions at any time from their acceptance to deleting their account and uninstalling the mobile application.

4. DZI – Life Insurance EAD owns any and all rights to the mobile application required for its proper use. Nothing in these Terms and Conditions shall be deemed to grant any rights in favor of users, other than the right to use the services in the mobile application under the terms detailed below in this document, as well as in documents to which these Terms and Conditions refer.

5. In the event of a change to these General Terms and Conditions, DZI – Life Insurance EAD shall notify the users of the mobile application in advance, who expressly declare their agreement and bindingness to the texts of the new General Terms and Conditions.

6. DZI has the right to unilaterally change these General Terms and Conditions without prior notice to the user, when the changes concern the technical requirements for using the mobile application, changing the scope of its functionalities, publishing new versions.

 

IV. Definitions and Terms.

Mobile app user – an individual who has installed the mobile application and successfully registered in the application.

Server – a device or system of connected devices on which, or on any of which, system software is installed to perform tasks related to storing, processing, receiving or transmitting information.

Electronic document – content, text recording stored in electronic form on a magnetic, optical or other medium that can be reproduced.

 

V. Completeness and Accuracy of Information. Limitation of Liability

1. DZI – Life Insurance EAD shall not be liable in the event of failure to fulfill its obligations to provide services, which occurred as a result of extraordinary technical or communication reasons, such as, but not limited to, a collapse of information systems, interruption of communication lines, power outages, etc.,

as well as in extraordinary circumstances, such as natural disasters, nationwide strikes, technical failures that are beyond the control of the company.

2. DZI – Life Insurance EAD shall not be responsible for data entered incorrectly, incorrectly or in bad faith by the user.

3. DZI – Life Insurance EAD shall not be liable for damages resulting from circumstances beyond the control of the Company, such as, but not limited to: in the event of force majeure, accidental event, force majeure, problems related to access and connection to the Internet, problems due to the customer's equipment, as well as in the event of unauthorized access or intervention by third parties.

4. DZI – Life Insurance EAD shall not be responsible for any damage caused to the users' software or hardware, nor for any loss of data in connection with the use of the mobile application.

5. DZI – Life Insurance EAD shall not be liable for damages resulting from the use of other people's personal data by any third party, in violation of these General Terms and Conditions, as well as for inaccurate or falsely provided data and information.

 

VI. User Types.

The mobile application differentiates between two types of users – standard users and premium users.

1. Standard users.

Standard users have unlimited access to the mobile application and its functionalities, including standard offers in the DZI Store, with the exception of special offers in the DZI Store, valid only for users with premium status.

2. Premium users.

Premium users can take advantage of the application's unlimited functionalities, including access to special offers in the DZI Store, valid only for this class of users.

 

In order to transfer from Standard user status to Premium user status, the user needs to digitize their health card for "Comprehensive Medical Care" insurance via the "Add DZI Health Card" functionality.

 

VII. Functionalities and Services.

1. News.

1.1. The mobile application provides a service for accessing information provided by DZI – Life Insurance EAD, DZI – General Insurance EAD, and their partners.

1.2. The copyright of the materials published in the "News" section is entirely and solely the property of the party providing them.

1.3. DZI – Life Insurance EAD shall not be responsible for the information provided by other parties and published in the mobile application. KakSi information.

2. Notifications and notification management.

2.1. Upon initial registration in the application, users are given the option to decline or accept receiving notifications in KakSi. Only in cases where a user agrees to receive notifications, the application redirects them to a separate screen providing a choice between different notification categories. By default, all notification categories on this screen are turned on, and there are the following types:

· SOS alerts and emergency contacts

· Notifications for new friends and registration via user link

· New quizzes

· New posts in News

· New offers in DZI Shop

· General notifications

Commercial communicationsEach user can actively manage the notifications they want to receive, by the categories described above, and can disable selected categories or all of them together.

2.2. Managing personal preferences for receiving notifications is done through the "Manage Notifications" section, in the "Profile" sub-menu in the mobile application.

3. SOS alarm and emergency contacts.

3.1. The application provides a service for notifying emergency contacts in case of need, including providing an exact or last known location.

3.2. In case of an urgent need for help, the user can activate the SOS alarm function. Activation allows the user to generate a call to 112, as well as notify their emergency contacts. The user chooses who their emergency contacts will be. To all emergency contacts who are users of KakSi, a notification is sent containing the geolocation of the user who sent the signal, as well as the user's Health Record, in case the user has explicitly allowed the mobile application to send personal information. An SMS notification with the GPS coordinates of the person who sent the alert is sent to emergency contacts who are not users of the application.

3.3. In order to be able to generate a SOS alarm, the user needs to have access to the Internet (Wi-Fi or mobile data). The application allows the user to see the location of individuals added and registered in the application who have given their consent to be the user's contacts, through the "Follow" function. This feature allows the geolocation of all added friends to be displayed upon request.

3.4. The user's location information, or GPS coordinates, will be stored on their device and retrieved from the features or applications built into the mobile phone.

4. Invite friends.

The mobile application allows users to add their friends to the mobile app. The user needs to provide access to their phone book so that the application can recognize and classify their contacts as users of the mobile application, providing a direct opportunity to add them as friends or as their contacts who are not users of the application, allowing them to send an invitation to join.

The mobile application stimulates the users to send invitations to join third parties who do not have an active registration in the application, rewarding users with DZI Pearls.

5. Activities.

5.1. Users of the mobile application can monitor their physical activity, as well as various health indicators in the mobile application, providing their consent for the mobile application to gain access to read information from the health applications software built into the operating system manufacturer (e.g. Apple Health, Google Fit/Google Health Connect etc.).

5.2. The health information visualized in the mobile application in the "Activity" menu, "Activity" section, with the exception of DZI Energy, is calculated, recorded and processed by the user's device and the mobile application is not responsible for its accuracy.

5.3. DZI Energy is a smart algorithm based on historical information about users' physical activity levels, which changes every day to motivate users to increase their physical activity. DZI Energy calculates information about physical activity levels by reading data from built-in health applications (e.g. Apple Health, Google Fit/Google Health Connect etc.), developed by the software solution providers for the respective operating system.

6. Workouts.

Every user of the mobile application has the right to create personal running or walking workouts to track the route, distance traveled, elevation gain, and training time. For this purpose, the mobile application connects to the built-in health application (e.g. Apple Health, Google Fit etc.), as well as with the built-in geo map on the user's device to be able to visualize the route and activity information.

7. Avatar.

7.1. The mobile application allows each user to create their own unique Avatar. The avatar is a dynamically changing 3D visual element that is directly linked to the user's achieved levels of physical activity.

7.2. When physical activity increases, according to the levels set by DZI Energy's smart algorithm, the user increases the level of their Avatar. If the goals set by the DZI Energy algorithm are not achieved, the user lowers the level of their Avatar.

7.3. Each subsequent higher level Avatar allows the user to accumulate more DZI Pearls by achieving the daily goals set through the DZI Energy algorithm.

8. Quizzes.

The mobile application also allows users to earn additional DZI Pearls by participating in various quizzes on topics related to the content published in the "News" section.

Providing each correct answer is rewarded by the mobile application with additional DZI Pearls, the number of which is predetermined.

9. DZI Pearls.

9.1. DZI Pearls is a kind of digital currency in the mobile application, which allows users to accumulate it through various activities. Users can convert their DZI Pearls into offers offered by DZI – Life Insurance EAD, DZI – General Insurance EAD and their partners in the DZI Shop section.

9.2. DZI Pearls are not an equivalent, are not interchangeable nor alternative to any other existing digital or physical currency, cannot be converted into such currency and cannot be used outside the mobile application.

10. DZI Store.

10.1. DZI Store provides mobile application users with the opportunity to convert accumulated DZI Pearls to offers, discounts, bonuses, gifts, prizes and participation in various lotteries.

10.2. If the user agrees to take advantage of offers in the mobile application offered by a third party - a partner of the mobile application, DZI – Life Insurance EAD is not responsible for the quality and serviceability of the offered goods and/or services. Questions and/or complaints regarding goods and/or products offered by third partners shall be addressed directly to the third partner offering them. All customers can send alerts about merchants who have not provided the discounts they offer to email KakSi@dzi.bg, as well as they may call the DZI Customer Service Center at 0700 16 166.

11. Health record.

11.1. Each user of the mobile application can create their own health record, in which they can fill in information about:

· Their blood type

· Food and drink allergies

· Medication allergies

· Diseases

· Regular medication intake

11.2. The health record can be sent by the user to their Emergency Contacts in the event of sending an SOS alarm. For this, the user must have given explicit permission for the mobile application to send the information from their health record to third parties.

12. Personal Information.

In the "Personal Information" section, the user can fill in their:

· Nickname/username

· Phone number

· Email address to restore access to the mobile app in case the user changes their phone number

· Date of birth

· Gender

· Health card number

· Surname

13. Access to health services (Digital Health Portal of DZI, Healee, Superdoc and Aptechko).

Through the mobile app KakSi, users can access the range of digital healthcare services that DZI – Life Insurance EAD provides through its own digital channels, as well as through established partnerships with third parties. Access to the services is via a link leading to the external service.

14. Digital health card.

Through the mobile app KakSi, customers of DZI – Life Insurance EAD with active health insurance "Comprehensive Medical Care" can digitize their health card. Activation is done through two-factor authentication.

Users are required to enter, in the first step, their personal identification number and their last name, and in the second step, a code that the customer receives via SMS notification. The code is an additional control for the data authenticity.

Users who decide to upload their digital health card into the KakSi mobile app, will also be able to view information about the main coverages under their health insurance by selecting the "View health limits by card" button under their health card in the "Health" section of the app. Depending on the type of insurance, customers will receive both summarized information about the total limit of a given coverage, as well as the amount spent to date and the remaining amount under it. If the main limit has specific sub-limits for specific healthcare services, they will also be displayed in the corresponding sub-menu, providing information on the amounts spent and remaining balance under each sub-limit.

15.Feedback.

The mobile application provides users with the opportunity to send feedback to the developers and DZI – Life Insurance EAD.

 

16. Deleting the account.

16.1. Every user has the right to delete their account in the mobile application at any time. This action will result in the deletion of all personal information that the owner and developer of the application store for the user, except for the phone number and account activation record, which DZI will store for a period of 5 years after deregistration of your account, for the purpose of possible complaints.

16.2. After deleting the account and re-registering with the same phone number, the mobile application will not store the information previously provided by the user, including the availability of DZI Pearls, Avatar level, and others. All available information will be deleted from the mobile application servers when the account is deleted, except as specified in 16.1.

 

VIII. Information on personal data protection.

1. DZI – Life Insurance EAD, Company ID: 121518328, address: 89B, Vitosha Blvd., Sofia, shall, in its capacity of a Personal Data Controller, conduct its activities in strict compliance with the requirements of the Personal Data Protection Act and Regulation (EU) 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (the Regulation).

2. "Information on personal data protection" shall be available both in the application itself and is published on the company's corporate website - www.dzi.bg, which specifies the purposes of processing any personal data provided, as well as information on exercising your rights.

 

IX. Changes and Fees.

1. The services provided by KakSi generate mobile data usage. The amount of data used may vary significantly depending on the frequency and duration of use, as well as the terms of the tariff plan used with the mobile operator. Significant mobile data usage fees may be charged by mobile operators if mobile data is not included in the user's tariff plan or if the monthly mobile data volume according to their tariff plan is exceeded. The terminology used above may vary between different mobile service providers.

2. It is the user's obligation to get familiar with the terms of their contract with the mobile operator, including the circumstances that may lead to their being charged. Using the service while roaming may result in increased charges.

3. If the user has any doubts as to whether the use of mobile services would result in charges or an increase in their obligations, they should contact their mobile operator.

4. KakSi shall not be responsible for any fees, penalties, taxes, surcharges or other expenses imposed by the mobile operator as a result of the use of the mobile services.

 

X. Third-party Information and Links.

1. The Mobile Services provide access to links to third-party websites and/or information provided by third parties. KakSi and DZI – Life Insurance EAD shall not be responsible for the content of the websites of third partners related to the application and/or the information therein, including but not limited to accuracy, compliance with copyright.

2. KakSi shall not be responsible for any form of messages received from any linked site or platform, third-party information, or the ability to access such linked sites. The Mobile Application provides such links and information only for convenience, and the inclusion of any third-party link or information does not imply endorsement by the Mobile Application of such linked site or third-party information.

 

XI. Intellectual Property Rights.

The design, structure and content of the mobile application shall be subject to copyright, and the exclusive right to use them belongs to DZI – Life Insurance EAD. Users may print individual pages and/or parts, images (logos), graphics, etc. from the mobile application, provided that they do not remove the identifying copyright marks. It is prohibited to modify, copy, publish, sell or license the content of the mobile application, fully or partially, as well as to use it for any other public or commercial purpose.

 

XII. Additional Provisions.

Any issues not settled by these Terms, shall be governed by the provisions of the effective laws of the Republic of Bulgaria.

In cases of disputes arising between DZI – Life Insurance EAD and KakSi users that cannot be settled amicably, such disputes shall be settled by the Bulgarian court of competent jurisdiction