Web Site Usage Agreement Terms and Conditions

This page sets forth the terms and conditions under which Ariel Re Hong Kong Limited (“Ariel” or “we” or “our”) provide the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages. Changes to the terms and conditions take effect when posted to the web site. We may terminate, change, suspend or discontinue any aspect of the web site, including the availability of any features of the web site, at any time.

Laws and Regulations

Access to and use of this web site are subject to applicable federal, state and local laws and regulations.

Submissions

All information that you submit to Ariel via this web site shall be deemed and remain the property of Ariel. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to us through this web site. We shall not be subject to any obligations regarding such information except as expressly indicated with respect to personally identifiable consumer information in any Privacy Policy(ies) contained within the web site, agreed to by Ariel having the direct customer relationship with the person providing the information or otherwise specifically agreed to in a separate writing or required by law. You further recognize that we do not want you to provide, and prohibit you from providing any information or material to Ariel that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

UserID/Password Use

While we cannot guarantee that information transmitted through the Internet is secure, for certain types of communications through this web site, Ariel may require the use of available technologies or other precautions provided for your protection and/or require you to use user identification information (“userIDs”) and passwords. If you have been assigned a userID for access to restricted sections of this site, you are responsible for all activities executed under your userID and are the only one who may use it. You are responsible for protecting your userIDs and passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. It is a violation of these terms and conditions for you to allow another person to use your userID and its associated passwords, use the userID and password assigned to another person, or attempt to gain access to resources for which you are not authorized. Accessing a computer without authorization or exceeding authorized access is a serious breach of security and may constitute a criminal act.

Warranty & Liability – Disclaimer

Ariel specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided “as is” and “as available” and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable consumer protection law or insurance law, if any, in no event will Ariel be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site.

Ariel expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other web site linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware.

Copyright Policy

All of the information on this web site, including all text, graphics, software applications, video and audio files and photos (collectively “Content”), and all rights in the pages and the screens displaying the pages are owned by Ariel or affiliated entities or their licensors, protected by copyright under Hong Kong laws. Ariel will not give consent to insurance related companies, insurance intermediaries, insurance agents or any other third party to use and reproduce copies of this web site and its Content to conduct the authorized business of Ariel. Third parties may only refer to, cite or print the Content for their personal, non-commercial use as long as their copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the web site or its Content for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or republication of the Content. Without prior written consent of Ariel, you may not create a text link or graphic link to the home page of our web site for any business reasons, commercial reasons, personal reasons nor frame or in-line our web site or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with Ariel. Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any trademark of Ariel or any third party. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any Ariel copyright.

Trademarks

Ariel logo and name are registered trademarks in the Europe. Other trademarks, service marks, trade names, logos, URLs, domain names and icons (“Marks”) appearing on this site, whether registered or not, are owned by the parental company of Ariel or its subsidiaries or affiliated entities, or their licensors. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of Ariel or the third party owners of such Marks.

Hypertext Links To Third Party Sites

As a convenience to you, Ariel may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web site does not imply an affiliation between Ariel and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner’s request.

Products and Services – Disclaimer

Please note that none of the information contained in this web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products Ariel generally offer. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.

Insurance coverage statements on this web site are for general description purposes only. This web site does not amend, modify or supplement any insurance policy.

Further, this web site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Information for web users

When you visit our web site, we gather non-personally identifiable information about your visit, including data such as the internet address of your computer, the type of browser you are using and which web pages referred you to our website. We may collect this information so that we can analyze the use of our website and improve our services and your experience.

Ariel Re Hong Kong Limited is incorporated in Hong Kong SAR, China with registration number 2484024. The registered office is located at Room 1910, 19/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong S.A.R.