Terms of Use Disclaimer

This site is created, controlled and published by QBE Insurance Group Limited ("QBE").

Review all of the following terms and conditions carefully. By using this website, you agree to comply with all terms and conditions for this site as well as to comply with all applicable laws. QBE may modify these terms and conditions at any time, without notice.

Unless otherwise authorized by QBE, permission is granted to view, store, print, reproduce, and distribute pages within this website solely for informational, non-commercial purposes, provided that (a) no pages are modified, and (b) this page and any notices in such pages regarding use or ownership are included with stored, reproduced or distributed pages.

Intellectual property and trademarks

All names, logos, trademarks, service marks, trade dress, graphics, designs, characters, brand identifiers, and all other intellectual property appearing in this site, except as otherwise noted, are owned or used under license by QBE or its subsidiaries. The use or misuse of these marks or any other content on this site, except as provided in these terms and conditions or in the site content, is strictly prohibited. All of the content included in this website is subject to the copyright laws of the United States and other applicable jurisdictions and QBE owns all the copyright rights associated with this content. All rights reserved.

Images displayed on this website are either the property of, or used with permission by, QBE. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Links

Some pages on this website contain links to other resources on the Internet. Those links are provided as aids to help identify and locate other Internet resources of interest. They are not intended to state or imply that QBE sponsors or is affiliated or associated with the owners or publishers of such resources, or that QBE is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links. Therefore, the decision to view any linked site is at the viewer's own risk.

Disclaimer

CONTENT ON THIS WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Some jurisdictions do not allow exclusion of the implied warranties, so the disclaimer above may not apply to you in this respect.

The materials on this website are provided for informational purposes only. Information accessible through this website is not, and should not be relied upon or regarded as, legal advice. QBE does not represent or warrant that any information in this website is correct, complete, or up-to-date. QBE may change or delete information on this site without notice at any time. Therefore, use of these materials is at the user's own risk. No one accessing or reviewing any content or information accessible through this website should act or refrain from acting on the basis of such content or information, without first consulting with an appropriate subject matter expertise, including, if appropriate, engaging a qualified, licensed attorney, authorized to practice law in such person’s particular jurisdiction, concerning the particular facts and circumstances of the matter at issue.

Information submitted by site visitors

Should any visitor of this website respond with information, including personal information and feedback data such as questions, comments and suggestions regarding the content of any portion of this publication, such information shall be deemed to be non-confidential. Site visitors are encouraged to review QBE's Privacy Policy.

Limitation of liability

QBE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF ACCESS TO OR USE OF ANY CONTENT OF THIS SITE OR THE CONTENT OF ANY SITE OR SITES LINKED TO THIS SITE. In no event shall QBE's liability exceed the total amount paid by you to QBE, if any, for accessing this site.

Jurisdiction

Access to and use of this site is governed by the laws of the State of New York and Copyright and Trademark laws of the United States. It is a condition of your access and use that you and QBE submit to the exclusive jurisdiction of the Federal and State courts in the County of New York, State of New York for all matters arising from the use of this site.