(i) download, install and use the Insurercore App, and any updates to it provided by Insurercore from time to time, in object code form for your personal use only on a compatible mobile device owned or controlled by you; and
(ii) access and browse the Insurercore Website(s) for the use as permitted by your company only.
By downloading, installing or using the Insurercore App or Insurercore Website(s) and/or by submitting personal data to Insurercore, your data will be collected and processed in accordance with our privacy and cookies policy, a copy of which is available at the following link the Privacy and Cookies Policy. Our Privacy and Cookies Policy explains how we process the personal data we collect in connection with your use of the Insurercore App and Insurercore Website(s).
We welcome any feedback or suggestions for improvements relating to the Insurercore App, Insurercore Website(s) and/or any related products and services offered by us from time to time (Feedback). Where you provide Feedback to us you agree that we and our affiliates shall have a royalty free right to use such Feedback for such purposes as we see fit from time to time, including, without limitation, to create new, or enhance existing products or services offered by us, and for consumer communication or product promotion, and we shall not be required to compensate you financially for any such Feedback provided, regardless of how we or our affiliates use this.
Different membership levels may apply to the Insurercore Accounts of different users and, depending on the membership level you hold, your entitlement to access functionality of the Insurercore App may vary.
Super User – will be responsible for the administration of an organisation’s account. A Super User can approve and reject new Members and Administrators and remove existing Members and Administrators. A Super User can create products, schemes and specialisations that will be advertised on Insurercore and can also approve new products, schemes and specialisations created by Administrator and Member profiles. A Super User can edit the organisation’s page and delete the organisation’s account. All additional functionality is available to this user type.
Administrators – will be able to approve and reject new Members and approve Member created specialisations. An Administrator account can create products, schemes and specialisations and add template products, schemes and specialisations. Administrators can edit their own profile. All additional functionality is available to this user type.
Members - will be able to create specialisations that will be approved by an Administrator or Super User to advertise risk. Members can add products, schemes and specialisations created by an Administrator or Super User profile. A Member will be able to edit their personal profile. Additional functionality is limited to this user type.
Process for access
In order to use the Insurercore App or Insurercore Website, a user account (an Insurercore Account) must be created. Only users who are part of an organisation that has an Insurercore Account (Insurercore Organisation Account) will be able to create an Insurercore Account.
In order to create an Insurercore Organisation Account, the Super User will register the details of their organisation. Following its due diligence process, Insurercore will inform the Super User if the Insurercore Organisation Account has been accepted.
An individual who is party of an organisation with an Insurercore Organisation Account can then request to create an Insurercore Account. In doing so, the user will apply for either an Administrator or Member account. If an Administrator account has been requested, the Super User may approve or reject it. If a Member account has been requested, an Administrator or a Super User may approve or reject it. If approved, the Insurercore Account will be created. A SUPER USER WILL BE SOLELY RESPONSIBLE FOR ENSURING THAT AN ADMINISTRATOR IS AN “AUTHORISED PERSON” WITHIN THE MEANING OF THE FINANCIAL SERVICES AND MARKETS ACT 2000 (FSMA). THE SUPER USER OR ADMINISTRATOR THAT APPROVES A MEMBER PROFILE REQUEST WILL BE SOLELY RESPONSIBLE FOR ENSURING THAT THAT MEMBER IS AN “AUTHORISED PERSON” WITHIN THE MEANING OF FSMA. You are responsible for all uses of your Insurercore Account whether by you or a third party. You should ensure that you use a strong password for your Insurercore Account and that the details of your password are kept confidential and secure at all times. To the maximum extent permitted by applicable law, we shall not be liable to you for any unauthorised use of your Insurercore Account resulting from your failure to maintain restricted access to your mobile device or your mobile SIM card, the confidentiality or security of your user details or failure to use a strong password.
Your Insurercore Account logs details of all conversations with other users using the Insurercore App or Insurercore Website(s) generated by you. A copy of an initial message sent to you by another user will be sent to the email address that you provide to us. Please review your Insurercore Account regularly. If you identify any unexpected activity on your Insurercore Account, or you believe that the security of your Insurercore Account has been compromised, you must let us know as soon as possible. When using the Insurercore App on your mobile device, you acknowledge and agree that Insurercore operates in the background of your mobile device, which in turn may have an impact to the battery life of such device.
You agree that you shall not:
A Super User has the ability to terminate the Insurercore Account of a Member or an Administrator. Upon termination of your Insurercore Account:
A ‘Specialisation’ is your opportunity to advertise your detailed risk-appetite for any class of business or product in the insurance industry. With free-form text fields, you can explain where you differentiate yourself from competitors as well as upload any brochures that may provide further information. Each component part of your specialisation will be searchable on the Insurercore network. Insurercore reserves the right at any time, without liability of any kind, in its absolute discretion (i) to change, suspend, restrict or disable your access to the Insurercore App and/or Insurercore Website(s), and/or (ii) alter the functionality or contents of the Insurercore App and/or Insurercore Website(s) with or without notice to you.
We may issue updates to the Insurercore App from time to time. Depending upon the nature of the update, you may not be able to continue to use the Insurercore App until you have downloaded the latest version of the Insurercore App.
In relation to any matters concerning the Insurercore App and Insurercore Website(s), including any feedback, questions, complaints or claims, please contact us by email to firstname.lastname@example.org.
Information about the European Commission’s Online Dispute Resolution platform is available at http://ec.europa.eu/odr.
Insurercore welcomes any feedback you may have on the Insurercore App.
The Insurercore App and Insurercore Website(s) are provided “as is” and “as available” without any representation, warranty or undertaking of any kind as to the availability, performance, accuracy, or completeness of the Insurercore App, Insurercore Website(s) or the contents of any of them. Insurercore does not warrant or undertake that use and availability of the Insurercore App and Insurercore Website(s) will be uninterrupted or error-free.
TO THE MAXIMUM EXTENT POSSIBLE UNDER APPLICABLE LAW NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR NON-INFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IS MADE IN RELATION TO THE INSURERCORE APP OR INSURERCORE WEBSITE(S). IF THIS EXCLUSION DOES NOT APPLY UNDER APPLICABLE LAW THE LIABILITY OF SWEATCO IN RELATION TO ANY SUCH WARRANTY SHALL IN SUCH CASE BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
For your convenience Insurercore may include in the Insurercore App or Insurercore Website(s) links to other sites on the internet that are owned or operated by third parties (Third Party Websites). You also agree that Insurercore has no control over the content of Third Party Websites and does not have any responsibility for any material available on such Third-Party Websites nor for any use of or reliance on the contents of such Third Party Websites by you.
The Insurercore App and Insurercore Website(s) may include content submitted by other users of the Insurercore App and Insurercore Website(s) (Third Party Content). You acknowledge that any use of or reliance on such content by you is entirely at your own risk and we are not responsible for such Third Party Content.
The fact that we may link to a Third Party Website, or display Third Party Content, does not imply that we endorse the site or the products or services on such Third Party Website or that we have reviewed, approved, or verified the Third Party Content.
Your Insurercore Account allows you to monitor and access information about risk products that other users may be advertising on the Insurercore App. INSURERCORE PROVIDES A PLATFORM FOR USERS TO ADVERTISE, DISCUSS AND POTENTIALLY ENTER INTO AGREEMENTS IN RELATION TO INSURANCE PRODUCTS SOLELY AT THEIR OWN RISK. THE PLATFORM WE PROVIDE DOES NOT CONTAIN OR CONSTITUTE, AND SHOULD NOT BE INTERPRETED AS, ANY FORM OF MARKET EVALUATION OR REGULATED OR FINANCIAL ADVICE OR OPINION.
From time to time we may make available additional terms or guidance in relation to the usage of Insurercore App or Insurercore Website(s), and where we do this, you agree to comply with such additional terms or guidance that we make available by continuing to use the Insurercore App or any Insurercore Website(s).
The Insurercore App and Insurercore Website(s) enable users to connect with others in the insurance space, including to advertise insurance products to other users that may wish to underwrite them (such functionality being the Insurercore Platform).
You agree that Insurercore has no responsibility for any products, services or other benefits offered by you or by any third party on the Insurercore Platform. You agree that we have no control over and do not guarantee the quality, safety or legality of any products, services or other benefits offered by users, the truth or accuracy of their offers, the ability of users to provide any goods, services or other benefits offered, or that a user will actually complete or perform a transaction. Save as otherwise expressly agreed with you, we and our affiliates do not act as agent, contractor, partner or any form of representative of you or any other user of the Insurercore Platform. Our operation of the Insurercore Platform should not be taken as an endorsement (express or implied) of any products, services or other benefits offered on it, nor of any user.
Insurercore is entitled to alter the selection of products, services or other benefits on offer by any user or group of users in its absolute discretion. Where we wish to do this, we will notify you first and give you the opportunity to de-list the relevant product(s), services or other benefits.
You represent and warrant to us that any products, services or other benefits that you offer on the Insurercore Platform will: (i) conform to the description you provide for them, (ii) comply with all applicable laws and regulations, (iii) conform to our acceptable use requirements (stated in Section 6 above), and (iv) be delivered in full once a user enters into an agreement with you for that product, service or other benefit in accordance with your stated terms and conditions.
You agree that disputes in relation to an agreement for any products, services or other offered via the Insurercore Platform shall be resolved in accordance with the terms and conditions applicable to the relevant transaction between the parties to such transaction. We accept no liability in connection with any transaction that occurs as a result of the relevant product, service or other benefit being offered on the Insurercore Platform.
We make no representation, warranty or undertaking that the offer, sale, purchase, use or agreement in connection with any products, services or other benefits offered on the Insurercore Platform is valid and legal under the laws that apply to you. You accept sole responsibility to ensure the legality of any offer, sale, purchase, use or agreement in connection with any products, services or other benefits that you list or enter into using the Insurercore Platform.
You warrant that your use of the Insurercore App and Insurercore Website(s) will not breach section 21 of FSMA and you agree to indemnify us against all liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs and all other reasonable professional costs and expenses) suffered or incurred by Insurercore arising out of or in connection with any such breach of section 21 of FSMA.
You acknowledge that the Insurercore App and Insurercore Website(s) has not been developed to meet your individual requirements, and that it is therefore your responsibility to ensure that the facilities and functions of the Insurercore App and Insurercore Website(s) meet your requirements before use. To the maximum extent permitted under applicable law we have no liability whether in contract, tort (including negligence) or otherwise for any (i) loss of profit, loss of business, business interruption, or loss of business opportunity, arising out of or in connection with the Insurercore App, Insurercore Website(s) and/or this Agreement, or (ii) loss, damage or other liability arising out of the unavailability or malfunctioning of, or other deprivation of access to, the Insurercore App or Insurercore Website(s) or any inaccurate or incomplete content on either.