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Terms of Use

These terms of use (Terms of Use) are a legal agreement between you and Insurercore Ltd, a company incorporated in England & Wales (registration number 09784095) whose registered office is at 3rd Floor, 86-90 Paul Street, London EC2A 4NE (hereafter referred to as Insurercore, we or us as the context may require) for the use of any website operated by Insurercore (the Insurercore Website(s)) including, without limitation, www.insurercore.com

These Terms of Use set out important information regarding your rights and obligations in connection with the Insurercore Website(s). Please read them carefully. In particular, we draw your attention to the limitations of liability contained in Section 15 and to our Privacy Policy which is referred to in Section 2 below.

By accessing the Insurercore Website(s), you agree to these Terms of Use and our Privacy Policy which shall bind you. If you do not agree with these Terms of Use and our Privacy Policy (as defined below), please do not use the Insurercore Website(s).

Insurercore permits you to use the Insurercore Website(s) solely in accordance with these Terms of Use. Insurercore retains ownership of the Insurercore Website(s) at all times.

These Terms of Use apply to the use of any updates or changes to the Insurercore Website(s) that we may issue from time to time.

1. The licences granted to you for the use of the Insurercore Website(s)

Insurercore grants to you a non-exclusive, non-transferable, revocable licence to do the following in accordance with these Terms of Use (the “Licences”):

(i) access and browse the Insurercore Website(s) for the use as permitted by your company only

Insurercore may terminate the Licences granted under these Terms of Use at any time in its absolute discretion with or without notice to you. If you breach any provision of these Terms of Use such Licences shall automatically terminate. Where any of the Licences are terminated, you agree to immediately cease using and accessing the Insurercore Website(s).

2. The processing of your personal data

By using the 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 www.insurercore.com. Our Privacy and Cookies Policy explains how we process the personal data we collect in connection with your use of the Insurercore Website(s).

3. User age restrictions

The Insurercore Website(s) are not intended for use by anyone under the age of 16. If you are under the age of 16 you must not use the Insurercore Website(s). If we discover that any such use is taking place we will immediately terminate any relevant user account(s) facilitating such use. All users must obtain the consent of the administrator on behalf of the company that they are employed by to use the Insurercore Websites(s) subject to our Privacy Policy.

4. Rights to the Insurercore Website(s) and their content

All intellectual property rights and other rights in or to the Insurercore Website(s), and any content of either, made available by or on behalf of Insurercore and its licensors, belong to and remain at all times with Insurercore and its licensors. Save as expressly set out in these Terms of Use, you shall not obtain (i) any rights in or to our intellectual property rights or those of our affiliates, or (ii) any intellectual property rights and other rights in or to the Insurercore Website(s) or any contents. “Insurercore” is the trading name of Insurercore Ltd and we hold registered and unregistered trade mark rights in respect of this name.

The Insurercore Website(s) are licensed and not sold under these Terms of Use. The only rights granted to you in relation to the Insurercore Websites(s) under these Terms of Use are the Licenses described in Section 1 of these Terms of Use and no transfer of ownership or right to access or use any source code related to the Insurercore Website(s) is granted by us.

Where you submit any content whatsoever (Content) to the Insurercore Website(s), including without limitation any image, text, or data, you retain all intellectual property rights that you hold in such Content. You grant to us a non-exclusive, worldwide, royalty-free, transferable, sublicensable licence to use, reproduce, publish, distribute, perform, adapt, amend, enhance and communicate such Content from time to time for any purpose relating to the Insurercore Website(s) and our business from time to time, in accordance with our Privacy Policy.

We welcome any feedback or suggestions for improvements relating to the 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.

Save as expressly permitted by us in these Terms of Use, you must not use the content on the Insurercore Website(s) (other than content that is submitted by you to the Insurercore Platform) for any commercial purpose without obtaining written permission from us to do so first.

5. Use of the Insurercore Platform

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 Platform may vary.

User types

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 Website(s), 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 computer or device, the confidentiality or security of your user details or failure to use a strong password.

Email verification

Your Insurercore Account logs details of all conversations with other users using the 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 accesssing Insurercore on a mobile web-browser, 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.

6. Acceptable Use

You agree that you shall not:

  1. advertise any insurance products, services or other benefits without the authority to do so from your company and/or regulator;
  2. advertise or share any media that is not related to insurance or insurance products, services or other benefits;
  3. advertise any false or misleading information, and shall ensure that all risk advertising is up to date at all times;
  4. copy, adapt, transmit, reverse engineer, decompile, disassemble, modify, sell the Insurercore Website(s) or any content accessible on either, save as otherwise expressly permitted by these Terms of Use or applicable law;
  5. operate more than one Insurercore Account;
  6. use the Insurercore Website(s) in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms of Use, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the Insurercore Website(s);
  7. act in a manner that is in any way misleading or illegal or that encourages such activities, including engaging in “phishing” or otherwise obtaining financial or personal information in a misleading manner or for misleading purposes;
  8. engage in issuing spam, “chain letters,” “pyramid schemes”, advertisement or marketing of illegal or controlled products or services, or other advertising or marketing activities that violate these Terms of Use, any applicable laws, regulations or generallyaccepted advertising industry guidelines (including but not limited to the UK’s Advertising Standards Authority’s CAP Code);
  9. reproduce, frame, display or mirror the Insurercore Website(s) other than as a necessary consequence of their normal operation by you;
  10. harass, intimidate, trouble or cause offence to any other user;
  11. make contact with another user that has requested that you do not contact them;
  12. post any sensitive financial information or any information in connection with a product, service of other benefit that you offer without having the relevant authority to do so from your employer;
  13. lie about your age or sex, give a false name, pretend to be someone you are not, or attempt to impersonate or misappropriate another's name or identity;
  14. infringe our intellectual property rights or those of any third party in relation to your use of the Insurercore Website(s);
  15. transmit any material that is defamatory, explicit, offensive or otherwise objectionable on the Insurercore Website(s);
  16. use the Insurercore Website(s) in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users;
  17. employ any technology that interferes in any way with the proper operation of the Insurercore Website(s), including by blocking any advertising or promotions displayed thereon; or
  18. collect or harvest any information or data from the Insurercore Website(s) for any commercial purpose, save as otherwise agreed in writing by us.

If we discover any breach of this Section 6 by you, we may immediately suspend or terminate your access to Insurercore and remove and delete any content from the Insurercore Website(s) violating this Section 6.

7. Termination of your Insurercore Account and effects of termination

A Super User has the ability to terminate the Insurercore Account of a Member or an Administrator. Upon termination of your Insurercore Account:

  1. you will no longer have a right to access the profile linked to your Insurercore Account or use any part of it even if governed by any separate or additional terms or licence agreements;
  2. you will no longer have access to any of the content that was posted by you on or through the Insurercore Website(s); and
  3. all such content will be immediately deleted from the servers including any contacts, profile and other Insurercore Account information, and it will not be recoverable.

We have no obligation to assist you in migrating any of your content to another backup device, system or network platform and we do not keep backup copies of your content to enable restoration of your Insurercore Account once deleted.

8. Changes and updates to the Insurercore Website(s)

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 Insurercore Website(s), and/or (ii) alter the functionality or contents of the Insurercore Website(s) with or without notice to you.

We may issue updates to Insurercore from time to time. Depending upon the nature of the update, you may not be able to continue to use Insurercore until it has been updated.

9. Contacting us

In relation to any matters concerning the Insurercore Website(s), including any feedback, questions, complaints or claims, please contact us by email to [email protected]

Information about the European Commission’s Online Dispute Resolution platform is available at ec.europa.eu/odr.

Insurercore welcomes any feedback you may have on the platform.

10. No warranty

The Insurercore Website(s) is 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 Website(s) or the contents of any of them. Insurercore does not warrant or undertake that use and availability of the 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 NONINFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IS MADE IN RELATION TO THE 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.

11. Third Party Content

For your convenience Insurercore may include in the 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 Website(s) may include content submitted by other users of the 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.

12. No Regulated Advice

Your Insurercore Account allows you to monitor and access information about risk products that other users may be advertising on Insurercore. 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.

13. Changes and updates to the Terms of Use

We may change or update these Terms of Use and/or our Privacy Policy from time to time. If we decide to do this we will post such changes or updates on our website www.insurercore.com, so that you are always aware of the terms and conditions for the use of the Insurercore Website(s). If we make a significant change to these Terms of Use and our Privacy Policy, we may elect to inform registered users by email, however we do not undertake to do so. Therefore, you undertake to review these Terms of Use and our Privacy Policy on the Insurercore Website(s) from time to time to keep informed of any such updates and changes. Upon any such change or update to the Terms of Use or our Privacy Policy, by continuing to use the Insurercore Website(s) you agree to be bound by such change or update.

From time to time we may make available additional terms or guidance in relation to the usage of the 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 any Insurercore Website(s).

14. Insurercore Platform

The 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).

Where you use the Insurercore Platform to offer or underwrite any insurance products, services or other benefits, any such transaction is entered into directly between you and the legal person making available the relevant products, services or other benefits, or underwriting the relevant products, services or other benefits available from you, as applicable. Without limiting the effect of these Terms of Use in any way, transactions taking place on the Insurercore Platform are subject to the legal terms of the party offering the relevant products, services or other benefits on the Insurercore Platform (including as stated in the actual listing), and we and our affiliates are not party to any such transactions.

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 welcome feedback on Insurercore Platform participants. In the event that we determine in our absolute discretion that any fraud has occurred, or any user has breached these Terms of Use we reserve the right in our absolute discretion to suspend or terminate the use of the Insurercore Platform by any user(s).

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 Platform 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.

15. Limitation of liability

You acknowledge that the 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 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 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 Website(s) or any inaccurate or incomplete content on either.

We are only responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms of Use or our negligence up to the maximum aggregate limit specified in the following paragraph.

Our maximum aggregate liability under or in connection with these Terms of Use (including, without limitation, in relation to your use of the Insurercore Platform) whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to five hundred pounds sterling (GBP £500), provided that nothing in these Terms of Use shall limit or exclude our liability for:(i) death or personal injury resulting from our negligence;(ii) fraud or fraudulent misrepresentation; and (iii) any other liability that cannot be excluded or limited by English law.

17. General

We may assign or transfer our rights and obligations under these Terms of Use to a third party. You are not entitled to assign or otherwise transfer these Terms of Use without our prior written consent. Any attempt to do so without our consent will be void.

We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms of Use that is caused by any act or event beyond our reasonable control.

If we fail to insist that you perform any of your obligations under these Terms of Use, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

Each of the provisions of these Terms of Use operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the remaining conditions will remain in full force and effect.

These Terms of Use and their subject matter and formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction to resolve any disputes under or in connection with these Terms of Use.