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This website is owned by the Greek company under the name FROST-IT S.A. (hereinafter referred to as “Company”, “we”, “us”) and is intended to present via the Internet, the Company, our products and services and our activities as well.

Access/ Navigation /Use of the website requires full and unreserved acceptance of the stated terms, which apply to the entire content of the site and concerns our visitors and users. If you have any objection to any of this website terms, then you are not allowed to use this Website and should immediately terminate such usage. FROST-IT S.A. reserves the right to amend these terms of use and site content at any time, without prior notice to users/visitors. The users are obliged to check for any amendments from time to time whereas if they continue to use the Website are presumed to have accepted the modifications.

Our Website is governed by the following Terms of Use, the Privacy Policy, and the Cookies Policy.


The Company makes every effort possible to ensure that all contents of the website are accurate, correct, complete, up-to-date, adequate, and available, but it cannot guarantee that all these criteria will invariably be met. In no circumstances, even in the event of neglect, can FROST-IT S.A. accept liability for any loss incurred by a user of the website because of this use.

The contents of the Website are provided “as is” and “as available” without any explicit or inferred warranty. If you ,as a visitor/user, intend to make use of any information provided in our Website, you must first contact the Company via the contact form or other available way and the Company, at its discretion, will arrange to provide timely and accurate information.

The Company only assumes the responsibility to make every effort possible to ensure the accuracy of the information made available to visitors to our Website. However, we cannot guarantee that the pages, services, options, and content will be provided uninterruptedly or error free or that, errors will be corrected immediately, and it assumes no responsibility for errors or omissions therein or for results that may arise from the use thereof.

We cannot guarantee that the website or the servers through which it is made available to visitors/users will function without interruption and free of any error or virus, and it cannot accept liability for any loss of data or other loss incurred by the user or third parties, whether due to use/copying/downloading, or to corruption by viruses or other unauthorized interventions by third parties in files and data made available through the website. Users are solely responsible for the protection of their own systems against viruses.

Under no circumstances will it be liable for any loss or damage that may be caused by the user’s confidence in information obtained through this site or any linked site or any omission or delay in the renewal of the data on the site.

The Company reserves the right to remove and / or modify the content of the Website without notice, at its sole discretion, for any reason whatsoever.



Users of the website must always use the Website in conformance with the Terms of Use, the Privacy Policy and the Cookies Policy and respect the rules and provisions of Greek, European and international law, and must refrain from any illegal or inappropriate behavior in their use of the site and in relation to the site and from adoption of any practices of unfair competition, or other illegal practices incompatible with Internet Νetiquette. The user shall be liable for any damage caused to the HD Insurance Ltd website as a result of malicious or inappropriate use of the site and the services offered via the site. In the event of HD Insurance Ltd finding itself involved in any litigation or required to pay any kind of compensation as a result of a breach by a user of the obligations set out in these terms and conditions, the user shall compensate the company for the loss incurred.


Our website gives its users/visitors the opportunity to move via special connections (links, hyperlinks, banners) to the websites of third parties, the design and content of which is entirely the responsibility of these parties. We cannot guarantee the availability of these linked sites and does not approve of or accept liability for their content, correctness, legality, completeness, contemporaneity, or accuracy of the information, or the quality and properties of the products and services offered to the public by these parties through the aforementioned websites. FROST-IT S.A. accepts no liability for errors or operating faults in the websites of third parties, nor for any loss sustained by users from access to these sites or from use of the information, services and products available on these sites.


Management and protection of the personal data of users of the website are subject to the provisions of existing legislation on protection of data of a personal nature, the decisions of the competent authority, and the following terms and conditions.

At FROST-IT S.A. we place particular emphasis on privacy. Our goal is to comply with all relevant Legislation and European Directives and Regulations that are applicable, including Regulation (EU) 2016/679 of the General Data Protection Regulation (also known as “GDPR”), which came into force on May 25, 2018; and the protection of all personal data we have in our possession.

For more information on collecting, managing, and processing your personal data, read our Privacy Policy here


We apply a strict policy regarding the protection of the privacy of the website visitors and users.

We use cookies to ensure functions properly and to improve your navigation experience. Read our Cookies Policy in order to find out what cookies are, which cookies we use and how you can delete or disable them.


All content of this Website, including but not limited to, any texts, names, trademarks, distinct features/layouts, logos, patents, design, products, domain name, software code, software compilation, graphics, representations, images, pictures, video or audio files, interactive applications, and, in general, any kind of files, are the intellectual and industrial property, registered trademarks and products of the Company and are protected by the Greek Law, European Law and international provisions on Intellectual and Industrial Property, with the exception of any third parties’ explicitly recognized rights.

Therefore, the reproduction, retransmission, republishing, screenshots, copying, saving, sale, transfer, granting, concession (with or without consideration), commercial exploitation, transmission, distribution, publishing, execution, downloading, translation, modification in any way or means, in total or in part, without the Company’s prior written consent, is explicitly prohibited. The visitor/user accepts that anything contained in this Website’s pages is Company’s or third parties’ intellectual or/and industrial property rights (used after a license was granted) and therefore, any unauthorized use may lead to legal sanctions.

The visitor/user is able to store a single copy of part of the contents of this website on his/her personal computer or any other device, for personal-private use and not public or commercial use and without removing or altering the indication of their origin from the Company or from, without affecting in any way the intellectual and industrial property rights and exclusive use rights.


You may not misuse this website by knowingly transmitting viruses, Trojan horses, worms and other malicious software or other materials that are malicious or technologically harmful. You may not attempt unauthorized access to this website and its server, or any other server, computer, and database associated with our site. Breach of this obligation may constitute a criminal offence in accordance with applicable law.

Similarly, in the event of such an infringement, your right to use this website will be immediately interrupted. Any such breach will refer to the law enforcement authorities with which we will cooperate to reveal the identity of the violator. Similarly, in the event of such an infringement, your right to use this website will be immediately interrupted.

We are not responsible for any loss or damage caused by a denial of service incident, viruses or other malicious software or technology that may harm your computer, accessories, data or any other material due to its use the present website or the uploading of material contained therein or the related material of another website to which this page refers.


These terms will be governed by and construed in accordance with the Greek Law and any dispute related to the use of this website will be settled by the jurisdiction Courts of Thessaloniki, Greece. If any provision of these terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these terms unenforceable or invalid as a whole, and such provisions shall cease ipso jure without in any way, affecting the validity of the remaining terms.



You can contact the Company regarding any issue and anything you wish to state or report at or by phone at +302108010099.

Furthermore, in regard to the management of your personal data, you may contact the Company pursuant to the Privacy Policy.

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