Updated on [01.05.2025].
By accessing and using the website www.troco.ro, you agree to comply with the terms and conditions below. Please read these provisions carefully before using the site. If you do not agree with the terms, please do not use this site.
1. General Information
The site troco.ro is managed by COJOCARI NICOLAE PFA, located in Bacău, Str. Cornisa Bistriței, no. 24, sc. A, ap. 21, VAT number: 42455440, registered at the Trade Register under no. F04/213/2020, email: contact@troco.ro.
Insurance brokerage services are offered in partnership with SAFETY BROKER DE ASIGURARE S.A., registered with ASF under no. RBK-293/2005.
2. Description of Services
The site offers users the following functionalities:
- general overview of available insurance products;
- automatic generation of quotes for RCA, CASCO, travel, health insurance, etc.;
- tools for estimating insurance premiums;
- online offer request forms;
- automatic document generation (e.g., vehicle sale-purchase contract);
- possibility of direct purchase of RCA policies through online payment;
- sending issued policies by email;
- support via email, phone, or messaging apps.
We reserve the right to change at any time and without prior notice the structure, content, functionality, or accessibility of the site.
3. Intellectual Property Rights
All content on troco.ro — including but not limited to texts, graphics, logos, design elements, images, scripts, databases, and functionalities — is protected by copyright law. Users are not allowed to copy, modify, distribute, or commercially use materials presented on the site without the written consent of the site administrator.
4. Privacy and Data Protection
Troco.ro collects and processes personal data in accordance with Regulation (EU) 2016/679 (GDPR), the Privacy Policy, and the Cookie Policy. Using the site implies acceptance of these policies.
Data submitted through forms are used exclusively for quote calculation, policy issuance, and communication with users.
5. User Responsibilities
By using this site, users declare that:
- they are at least 18 years old;
- they use the site on their own behalf or are authorized to act on behalf of another person;
- the data completed in online forms is correct, complete, truthful, and up-to-date;
- they understand that full responsibility for the accuracy of the provided data lies solely with the user;
- any errors arising from incorrect or incomplete information may lead to policy cancellation or refusal of compensation by the insurer.
The following are prohibited:
- abusive, illegal, or misuse of the site services or contrary to the declared purpose;
- sending defamatory, discriminatory, fraudulent, or misleading content;
- interfering with the technical functioning of the site by attacks, unauthorized access, or content manipulation.
Troco.ro reserves the right to restrict access for users who violate these rules.
6. Limitation of Liability
Although troco.ro makes every effort to ensure that the information on the site is accurate and up-to-date, it does not guarantee:
- continuous and error-free availability of the site or forms;
- absolute accuracy of automatically generated quotes;
- integrity of data provided by third parties (insurers, analytics apps, etc.).
Troco.ro cannot be held responsible for:
- user decisions made solely based on the information on the site;
- financial or contractual losses resulting from incorrect estimates;
- temporary unavailability of the site.
7. Links to Third Parties
The site may contain links to other websites (e.g., authorities, comparison sites, affiliated partners). Troco.ro is not responsible for the content or policies of these external sites. Accessing them is at the user's sole risk.
8. Information Security
Troco.ro uses secure protocols (SSL) and technical measures to protect data. However, absolute security of data transmission over the internet cannot be guaranteed. Users are responsible for keeping their identification data confidential (e.g., email addresses, WhatsApp access, etc.).
9. Payment Methods and Order Processing
Users can pay for services and policies available on troco.ro using the following methods:
- Online card payment — secured through an authorized payment processor (e.g., Stripe, Plationline). Troco.ro does not collect or store card data.
- Installment payment via TBI Bank — available for certain types of policies and subject to eligibility. Troco.ro is not responsible for the bank’s acceptance or refusal of financing.
- Bank transfer payment — available for certain manually issued policies upon request.
RCA policies are automatically issued and sent by email after payment confirmation. If payment is not completed, the order is canceled. Troco.ro is not responsible for delays caused by third parties (e.g., banks, payment processors, networks). Any errors must be reported immediately to contact@troco.ro.
10. Changes to Terms and Conditions
Troco.ro reserves the right to modify these terms at any time. The updated version will be published on this page and will take effect immediately. Users are encouraged to review the document periodically.
11. Governing Law and Jurisdiction
This document is governed by Romanian law in force. Any disputes arising between the parties will be settled amicably, or if not possible, by the competent courts in Romania.
For questions or complaints related to the use of the site, you can contact us at: 📩 contact@troco.ro
