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Terms of Use

Last updated: 11 November 2026

1. About These Terms

These Terms of Use govern your access to and use of tigerlab.com, the other websites we operate that link to these terms, and the tigercare customer portal (together, the "Services"). The Services are operated by tigerlab GmbH, Wallarkaden Pilgrimstraße 6, 50674 Cologne, Germany, registered under HRB 12783 ("tigerlab", "we", "us"). Full company details are in our Legal Notice.

By using the Services, you accept these Terms of Use. If you do not agree with them, please do not use the Services. How we handle personal data is described in our Privacy Policy.

2. Changes to These Terms

We may update these Terms of Use from time to time, for example when we change the Services or when the law changes. The date at the top of this page shows when they were last changed. Changes apply from the moment they are published here; for an insurance policy you have already bought, the policy terms in force when you bought it continue to apply.

3. Insurance Through tigercare

tigercare is operated by tigerlab GmbH, acting as an insurance intermediary (see the Legal Notice). Cochlear Device Insurance offered through the tigercare customer portal is underwritten by AIG Europe S.A., Rappresentanza Generale per l'Italia.

  • Your insurance cover, including what is covered, exclusions, the cooling-off period and how claims are settled, is governed by the policy terms and conditions and the information set you receive before you buy. If those documents differ from these Terms of Use, the policy documents prevail.
  • Claims are assessed against the policy terms. Submitting a claim through the portal does not mean it has been accepted.
  • Information on the Services about insurance products is general and is not personal advice. Please read the policy documents before you buy.

4. Your Account and the Information You Give Us

  • The information you give us, for example when you buy a policy or make a claim, must be true, complete and up to date. Incorrect information can affect your insurance cover.
  • If you buy a policy on behalf of someone else, you confirm that you are allowed to act for them and to share their personal data with us.
  • Keep your sign-in details and one-time passcodes confidential, and tell us straight away if you think someone else has used your account.

5. Acceptable Use

You may use the Services for lawful purposes: to learn about our products and company, to buy and manage your own insurance policies, and to contact us. You must not reproduce, distribute, modify, publicly display or republish material from the Services, except that:

  • your browser may temporarily store and cache copies of pages to display them;
  • you may print or download a reasonable number of pages for your own use, and keep copies of your own policy documents;
  • you may share our pages using the sharing features we provide.

6. Prohibited Uses

You agree that you will not:

  • use the Services in any way that breaks any applicable law or regulation;
  • use the Services in a way that could disable, overburden, damage or impair them, or interfere with anyone else's use of them;
  • use any robot, spider, scraper or other automated means to access the Services or copy their content without our prior written consent;
  • introduce viruses, trojan horses, worms or any other malicious or technologically harmful material;
  • attempt to gain unauthorised access to the Services, the servers they run on, or any connected system or database;
  • attack the Services through a denial-of-service attack or a distributed denial-of-service attack;
  • submit false information or false claims, or use another person's identity.

7. Intellectual Property

The Services and all their content, features and functionality, including text, software, images, video, design and the selection and arrangement of content, belong to tigerlab GmbH, its affiliates or its licensors and are protected by copyright and other intellectual property laws.

tigerlab, tigercare, i2go, their logos and related product names are trademarks of tigerlab GmbH or its affiliates. You must not use them without our prior written permission.

8. Links to Other Websites

The Services may link to websites run by others, such as the insurer or our payment provider. We have no control over those websites and are not responsible for their content or their privacy practices.

9. Availability of the Services

We work to keep the Services available, secure and accurate, but we cannot guarantee that they will always be available, uninterrupted or free of errors, or that downloadable files will be free of viruses. We may change, suspend or withdraw any part of the Services, for example for maintenance. You are responsible for protecting your own devices with up-to-date security software.

10. Limitation of Liability

We are liable without limitation for damage caused intentionally or through gross negligence, for injury to life, body or health, under the German Product Liability Act (Produkthaftungsgesetz), and where we have given a guarantee.

For damage caused by slight negligence, we are liable only if we breach an obligation that is essential to the proper use of the Services and on which you may reasonably rely, and only for the damage typically foreseeable at the time. Otherwise, liability for slight negligence is excluded.

These limitations also protect our employees, representatives and agents. Your rights under an insurance policy are governed by the policy terms and are not affected by this section.

11. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, you also keep the protection of the mandatory consumer laws of the country where you normally live.

If you are a merchant (Kaufmann) or a legal entity under public law, the courts of Cologne, Germany, have exclusive jurisdiction. Consumers may bring proceedings in the courts of the country where they live.

12. Waiver and Severability

If we do not enforce a right or provision of these Terms of Use, that does not mean we have waived it. If any provision is found to be invalid or unenforceable, it will be limited to the minimum extent necessary and the remaining provisions stay in full force.

13. Contact Us

If you have questions about these Terms of Use, our Privacy Policy, our Legal Notice or your experience with any of our Services, please contact us at info@tigerlab.com or by post at tigerlab GmbH, Wallarkaden Pilgrimstraße 6, 50674 Cologne, Germany. For a question about an insurance policy or a claim, please contact us through the tigercare customer portal.