At Mutua Universal, we promote actions and projects that seek to ensure the ethical and responsible behaviour of the Company, good governance and transparency.

For this reason we have a system of prevention management of criminal offences (accredited by the UNE 19601 of the certification one AENOR), a system of risk management corporate and a system of compliance with standards that allow achieving objectives and to execute successfully the strategies of the organisation, based on following policies:

• Statement on the Policy of Criminal offence Prevention.
• Policy of Risk management .
• Statement on the Policy of Compliance With standards .

Mutua Universal offers interest groups the Service channel of Entirety to move any denunciation related to defaults of our Code of Conduct, and the standard in force, related in the Act 2/2023. In addition Mutual Society makes available other communication ways of these facts as are:

     Record a message: Telephone 935 009 510

    Letter in role. To/To: Person in charge Entirety Service channel. C/ Marisma, 29. 29006 Málaga.                       

 In the event of being necessary to send some attached document, he owes send to the following electronic address Buzon Comision CC and PRP, or other communication ways, making reference in the body from the email to the date and time of the presentation of the form.

To carry out enquiries with regard to the Code of Conduct or the Policy of Criminal offence Prevention of Mutua Universal, to contact with the Fee of the Code of Conduct and Penal Risk Prevention via the following contact form , selecting the option “Prevention Model enquiries Criminal offences”.

Ethics and Responsibility

The Code of Conduct of Mutua Universal collects ethical values and principles with which commit to different interest groups and, general, with the society, as responsible company and committed to the quality provision of services and socially sustainable.

With regard to provider organisations, these should know, to accept and to fulfill of way espresso the content of the Code of Conduct, the Code of Conduct for provider organisations and the Statement of the Policy of Prevention of Criminal offences.

The company also arranges of a Service channel of Entirety where the staff of professionals of Mutua Universal can communicate any activity that can suppose a non-compliance of the Code of Conduct.

The Protocol of Conflict of Interests establishes bases of the procedures of activity that they should follow to prevent or, failing that, to discuss conflicts.

Law on Transparency

The purpose of Act 19/2013 of 9 December, on Transparency, Access to Public Information and Good Governance, is to increase and strengthen the transparency of public activity, regulate and guarantee the right of access to information regarding that activity, and establish the obligations of good governance that public officials must fulfil, as well as the consequences that result from non-compliance. 

In case in the exercise of of the right considered in the Act of Transparency wishes to request information on Universa Mutual Society, he owes complete the following contact form selecting the option “Transparency and Good Governance information”.