This website (‘Site’) is provided by TERA (“Tera” Baby-Shield)), conditional on your acceptance of the terms and conditions of use set out below (‘Terms & Conditions’). By accessing, reading, and making use of the Site, you agree, on your own behalf and on behalf of any entity on whose behalf you may be acting, to be bound by the Terms & Conditions. If you do not wish to be bound by the Terms & Conditions, you should not access, read or use this Site.


TERA may add to or remove, modify or otherwise change any part of the Terms & Conditions at any time without notice. Changes will be effective when the changed Terms & Conditions are posted on this Site. If any change to the Terms & Conditions is not acceptable to you, you should discontinue your use of this Site immediately. Your continued use of this Site after changes to the Terms & Conditions are posted thereon will constitute acceptance of the changes.

TERA may terminate, change, suspend or discontinue any aspect of this Site at any time without notice. Without limiting the generality of the foregoing, TERA may change the availability of any features, or add, remove, modify or otherwise change any contents on this Site, impose limits on certain features or restrict access to parts or all of this Site. TERA reserves the right, but not the duty, to correct any errors or omissions in any portion of this Site at any time without notice.

Ownership & Usage

Copyright @ TERA 2022. All rights reserved.

The contents of this Site may not be transmitted, transcribed, reproduced, stored, used or translated into any other form without the prior written permission of TERA. In particular, you may display the content of this Site on your computer and to print, download and use the content available to you on this Site provided that, this is for your personal education;
you do not modify the content of this material; and you include with and display on each copy the copyright notice. No other use of this Site is permitted. Without restricting the generality of the foregoing, you may not make commercial use of the content of this Site, include the content of this Site in or with any product that you create or distribute or copy the content of this Site onto your own or another’s website. Some of the content on this Site may be subject to the copyright of another source. There may be additional restrictions on the reproduction of such content.

External Links

Certain links on this Site may take you to other websites. TERA provides these links only as a convenience. TERA is not responsible for the contents of any linked website. TERA makes no representations or warranties regarding, and does not endorse, any linked website, the contents thereof, the information appearing thereon or any of the products or services described thereon. Links do not imply that TERA sponsors, endorses or is affiliated or associated with the entity that owns or is responsible for any linked website. If you decide to visit any linked websites, you will do so at your own risk.


Any use of or reliance on this Site, the contents of this Site or the information provided through this Site shall be at your sole risk. TERA makes no representation or warranty of any kind regarding this Site, the contents of this Site or the information provided through this Site, all of which are provided on an ‘AS IS’ and ‘AS AVAILABLE’ basis. TERA expressly disclaims all representations, warranties, conditions and endorsements as to the operation of this Site, the contents of this Site or the information provided through this Site. Without limiting the generality of the foregoing, TERA makes no warranty as to the accuracy, quality, or completeness of the contents of this Site or information provided through this Site, nor to merchantability or fitness for a particular purpose, nor to title or non-infringement, nor to the absence of any software virus or other harmful component. TERA does not warrant that this Site or the delivery, hosting and ancillary services or facilities of third-party suppliers utilized by TERA will continue to operate, will operate without interruptions or will be error-free. None of the information provided on this Site or provided through this Site is provided as medical, health, treatment, legal, financial or any other types of professional advice and it shall not be relied upon as such. You must contact TERA for more information on how to become a client.

Limitation of Liability

In no circumstances shall TERA, partners, affiliates, or employees be responsible or liable for any loss or damages whatsoever, including (without limiting the generality of the foregoing) any direct, indirect, incidental, special, punitive or consequential damages, arising from or in connection with your use of, access to or your reliance on, or your inability to use or access, TERA’s services, this Site, any contents of this Site, any information provided through this Site, any external links on this Site, any website linked to this Site, or any contents thereof, any website linking to this Site, or any contents thereof, or any delivery, hosting and ancillary services or facilities of third party suppliers utilized by the Society. TERA is not responsible and assumes no liability for third party contents of this Site or third-party information provided through this Site.

Applicable Law

All matters relating to access to, or use of, this Site or any website linked to this Site, shall be governed by the laws of the state of Israel with exclusive jurisdiction in the courts located in Tel Aviv, Israel.

Customer Service Charter

By virtue of my license and in the course of fulfilling my role pursuant to law, the insurance agent TERA, License No. 516596657

The clauses of the Service Charter that appear below are meant to implement and are based on the instructions of the Capital Market, Insurance and Savings Authority that were published on May 1, 2018 (and amended on August 9, 2022), including the response time to inquiries from clients that are set forth therein. 

  1. To treat the client fairly and respectfully, to respect his privacy and act cautiously and responsibly with information that the client will provide regarding the services provided to him.
  2. To update the client periodically and as he chooses (by post or email) about how the service is received, including means of communication, workdays and office hours of the License Holder, currently – Sunday – Thursday between 9:00 a.m. and 6:00 p.m.
  3. To provide an appropriate and professional response for the client’s needs, within no more than two business days from when the client makes contact for the purpose of arranging a meeting, a conversation, or any other relevant service. 
  4. To conduct efficient and available communication with the client, and to provide an initial response within no more than two business days from when the client makes contact. As part thereof, as much as possible, the License Holder will provide clear and reasoned answers to the client’s question.
  5. To provide a pertinent response to requests for a copy or photograph of any permit or document from the License Holder or an institutional entity, and to transfer the client’s request to the institutional entity to perform actions, all within no more than seven business days from the client’s request, and without derogating from other provisions on the same matter.
  6. To provide the client (or their agent) any document connected thereto that is in the License Holder’s possession under any law, within no more than three business days from the date of the client’s request. Inter alia, what is stated in this section will also apply with respect to a former customer of the License Holder.
  7. The service provided by the License Holder will not include services with respect to products that are not supervised by the capital market commissioner, in the meeting or conversation to sell insurance policies or financial products, and any other such service will be provided only with the client’s prior written consent.
  8. To provide a client (or their agent) who makes contact regarding a claim, within no more than two business days, information about the client’s rights, and to inform him about the modes of action that are at his disposal vis-à-vis the institutional entity in the proceeding to resolve the claim. In this section, “Claim” will be considered a request from an institutional entity to exercise rights under the terms of the policy, regulations of the pension fund or regulations of the provident fund, not in the framework of legal advice and/or representation.
  9. When the License Holder is informed (whether by an institutional entity, by the client or by his employer) that there has been a change in the client’s status with respect to a financial product, including a change in the terms of the client’s employment, the License Holder will initiate a service call, within no more than seven business days after the License Holder was informed, in order to examine adjusting the financial product to the client’s needs in light of the changes. In this section, “Change in the client’s status” will be considered to include each of the following:
    1. Joining a new place of work.
    1. Leaving a place of work.
    1. A salary increase, due to which a new health declaration is required according to the terms of the policy.
    1. A change in the structure of the pension deposits, pursuant to the employment agreement.
    1. Changes to the rates of the cost of the insurance coverage, which require adjustment.
  10. If the License Holder is not informed of any change in the client’s status, as stated in Section 9 above, during two years, the License Holder himself will initiate a service call to the client in order to clarify his status.
  11. To be familiar with the provisions of law that are relevant to the License Holder’s services, and to be familiar with the products with which he deals and that he recommends.
  12. To be proficient in changes and updates in the field of the License Holder’s business, and to participate from time to time in relevant training and continuing education programs.
  13. If the License Holder’s services require payment of a salary and/or refund of expenses, a written agreement will be made between the License Holder and the client before the service is provided, a copy of which will be provided to the client.
  14. To appoint someone to be responsible for customer service and handling messages from clients, who will determine instructions, instruct the License Holder’s employees, submit an annual report pertaining to meeting the service targets in the corporation, and will convene period meetings with the appropriate entity in the corporation to present the main points in the report. 

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