Terms of Use – MINSAS (My Insurance Assistance)

Controller / Operator: UAB Minsas, company code 307196088, Bajorų Sodų 4-oji g. 48-1, LT-08426 Vilnius, Lithuania • Email: legal@minsas.com

1. Eligibility and Acceptance

You must be 16 years or older to use MINSAS. By downloading, installing, or using the MINSAS mobile application or the MINSAS browser version at app.minsas.app (together, the "App"), you agree to be bound by these Terms of Use ("Terms").

2. Use of the Service

MINSAS provides tools to manage insurance policies and prepare accident claims. You agree to use it lawfully and only for your own insurance processes.

Your statement: MINSAS helps you complete and sign the European Accident Statement electronically. The signed statement is e-mailed to you, and you decide where to send it: you can send it yourself, or use the separate function that sends it directly to the insurer. MINSAS does not act on your behalf and is not a party to your insurance contract or claim.

Ownership: You retain ownership of uploaded photos, videos, documents, and signatures. You grant MINSAS a limited license to store and process that content solely to generate and deliver your claims and provide the service.

3. Electronic Signatures

Signatures made in MINSAS are electronic signatures under Regulation (EU) No 910/2014 (eIDAS). They cannot be denied legal effect or admissibility as evidence only because they are electronic. They are not qualified electronic signatures (QES) and do not have the equivalent legal effect of a handwritten signature; their weight is assessed by the insurer or court. Signatures are secured so that later changes to the signed statement can be detected. In some countries, special legal effects apply only to the insurers' own forms; if in doubt, ask your insurer.

4. Account and Deletion

You may delete your account at any time in the App or at minsas.app/minsas_data_deletion.html. Our Privacy Policy explains what we delete and what we keep, and for how long. Deleting your account does not cancel a subscription bought in the App Store or Google Play; cancel it in the store.

5. Subscriptions and Payments

5.1 Pricing Models

Free Tier: Free for up to 3 vehicles.

Paid Subscriptions: "Minsas Plus" and "Minsas Pro" are paid personal subscriptions for more vehicles.

5.2 Apple App Store Subscriptions (Mandatory Disclosure)

If you purchase a subscription via the Apple App Store, the following terms apply:

• Payment: Payment will be charged to your Apple Account at confirmation of purchase.
• Auto-Renewal: Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
• Renewal Charges: Account will be charged for renewal within 24-hours prior to the end of the current period at the cost of the chosen package.
• Management: Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase.
• Free Trials: Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable.

5.3 Google Play Store Subscriptions

If you purchase a subscription via the Google Play Store, the following terms apply:

• Payment: Payment will be charged to your Google Play Account at confirmation of purchase.
• Auto-Renewal: Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
• Renewal Charges: Account will be charged for renewal within 24-hours prior to the end of the current period.
• Management: Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Google Play Account Settings.

5.4 General Payment Terms

Paid features are managed through Stripe or app-store billing.

If you cancel, the subscription ends at the current period end; no partial refunds unless required by law.

6. Third-Party Services

The App uses service providers that process data for us under contract. Our Privacy Policy describes them (section 5).

7. Liability

"As is" service: The App and its outputs (e.g., claim PDFs) are provided "as is", without prejudice to your statutory rights as a consumer (section 8). UAB Minsas is not liable for losses arising from incorrect data entered by users, automatic-reading errors that you did not correct when checking, or insurer decisions beyond its control.

Insurance Decisions: We do not evaluate the merits of insurance claims. All insurance decisions are made by relevant insurance companies.

8. Consumer Rights (EU)

If you are an EU consumer, you retain rights under Directive 2011/83/EU and Directive (EU) 2019/770 on digital content and digital services. Local mandatory consumer law prevails over these Terms where applicable.

9. Privacy Policy

Your privacy is important to us. Our Privacy Policy (https://minsas.app/privacy-policy.html) explains how we collect and protect your data.

10. Governing Law

These Terms are governed by the laws of the Republic of Lithuania, subject to mandatory EU consumer protections. You may bring disputes before the courts of your place of residence or of Vilnius, Lithuania. We can bring proceedings against a consumer only in the courts of the consumer's place of residence. If you are a consumer and are not satisfied with our answer to your complaint, you can apply to the State Consumer Rights Protection Authority of Lithuania (Valstybinė vartotojų teisių apsaugos tarnyba, A. Goštauto g. 12, 01108 Vilnius, Lithuania; vvtat.lrv.lt), which resolves consumer disputes out of court.

Last updated: 29 September 2026