These Website Terms and Conditions of Use (“Terms of Use”) are entered into by and between you and American Reinsurance Company SPC (“We” or the “Company”). The Terms of Use, together with the Privacy Policy and other documents expressly incorporated by reference (collectively, the “Agreement”) govern your access to and use of american-reinsurance.com (collectively, the “Site”). These Terms of Use and the Privacy Policy apply to american-reinsurance.com, including all subdomains.
Please review the Agreement carefully before you access or use the Site. By using the Site or by clicking to agree to the Agreement when this option is presented, you accept and agree to be bound and abide by the Agreement. If you do not want to agree to this Agreement, you must not access or use the Site.
The Site is offered and available to users who have reached the age of majority and reside in the United States (including its territories or possessions). By using this Site, you represent and warrant that you have reached the age of majority and reside in the United States. If you do not meet all these requirements, you must not access or use the Site.
We may modify these Terms of Use from time to time in our sole discretion. All changes will be effective immediately upon posting and applying to all access to and use of the Site thereafter. By continuing to use the Site after the modified Terms of Use are posted, you agree to be bound by the modifications. Check this page periodically so that you are aware of any changes as they are binding on you.
We may modify the Site and any part of the service or material we provide on the Site in our sole discretion and without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time for any period. From time to time, we may restrict access to some parts of the Site or the entire Site to users, including registered users. You are solely responsible for making all arrangements necessary to access the Site. You are solely responsible for ensuring that anyone who accesses the Site through your Internet connection is aware of this Agreement and complies.
To access some of its features on the Site, you may be asked to provide certain registration details or other information. You represent that all the information you provide on or through the Site is correct, current, and complete. You acknowledge that this is a condition of your use of the Site.
You acknowledge that the Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement of the foregoing) are owned by the Company, its licensors, or other providers of such material and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
This Agreement permits you to use the Site solely for non-commercial purposes, including (a) accessing agent materials and information for internal business uses (if you are an agent) and/or (b) accessing your policy information for personal uses (if you are a policy holder). Materials expressly made available for download by agents may be downloaded and shared with customers at no charge, but not modified in any way. Materials expressly made available for download by policy holders may be downloaded, but not be modified in any way. You must not otherwise reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site except: (a) your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials; (b) you may store files that are automatically cached by your web browser for display enhancement purposes; and (c) you may print one copy of a reasonable number of pages of the Site for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
You must not modify copies of any materials from this Site, and you must not delete or alter any copyright, trademark, or other proprietary rights notices from copies of the materials from this Site. You must access and use the Site and any services or materials available through the Site only for the non-commercial, internal business or personal purposes set forth above and you may not commercialize the Site or its materials in any way. If you violate this Agreement, your right to use the Site will terminate immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Site or any content on the Site is transferred to you, and all rights not expressly granted are hereby expressly reserved by the Company. Any use of the Site not expressly permitted by this Agreement is a breach of this Agreement and may violate intellectual property and other laws.
You may use the Site only for lawful purposes in accordance with this Agreement. You shall not use the Site (a) in any way that violates any applicable laws or regulations; (b) to exploit, harm, or attempt to exploit or harm others in any way; (c) to send, knowingly receive, upload, download, use, or re-use any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, promotes sexually explicit or pornographic material, violence, discrimination based on race, sex, religion, nationality, disability, sexual orientation or age, infringes any intellectual property or other rights of any third party, violates the legal rights (including rights of publicity and privacy) of others or contains any material that could give rise to any civil or criminal liability under applicable laws or regulations, that is likely to deceive a person, that promotes any illegal activity or advocates, promotes, or assists any unlawful act, that causes annoyance, inconvenience, or needless anxiety or is likely to upset, embarrass, alarm, or annoy another person or may otherwise conflict with this Agreement; (d) to transmit, procure the sending of, any advertising or promotional material, including any junk mail, chain letter, spam, or any other similar solicitation; (e) to impersonate or attempt to impersonate (or create the misimpression of endorsement by) the Company, a Company employee, another user, or any other person or entity (including without limitation by using email addresses or user names associated with any of the foregoing); (f) to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or may harm the Company or users of the Site or expose them to liability as determined in our sole discretion; (g) in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Site; (h) by accessing it via robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material of the Site; (i) by using any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent; (j) by using any device, software, or routine that interferes with the proper working of the Site; (k) by introducing any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (l) by attempting to gain unauthorized access to, interfering with, damaging, or disrupting any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site; (m) by attacking the Site via a denial-of-service attack or a distributed denial-of-service attack; (n) by otherwise attempting to interfere with the proper working of the Site.
We have the right to take appropriate legal action, including without limitation, referral to law enforcement for any illegal or unauthorized use of the Site. Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone transmitting any materials through the Site. You agree to hold harmless the Company and its affiliates, licensees, and service providers from any claims resulting from any action taken by the foregoing parties as a consequence of investigations by either such parties or law enforcement authorities. We have the right to terminate or suspend your access to some or all of the Site for no reason or any reason, including without limitation any violation of this Agreement. We assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section. We may disable, suspend, or remove any part of the Site or its content at any time if we are required to do so by one of our licensors or suppliers, if we determine that such portion of the Site or its content violates applicable law or third-party rights, if you have breached your obligations under this Agreement or for other reasons.
Your enquiries may be sent in writing to the following address:
American Reinsurance Company SPC