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1. The licences granted to you for the use of the Insurercore Website(s)
(i) access and browse the Insurercore Website(s) for the use as permitted by your company only
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
4. Rights to the Insurercore Website(s) and their content
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.
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.
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.
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:
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:
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.
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).
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 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.