By using this site, you agree at all times during your use of this site to abide by these terms of use and any additions or amendments to these terms. Please read the terms of use carefully. Gen Re reserves the right at its sole and absolute discretion, to change, modify, add, or remove portions of these terms at any time. In addition, when using this site or a service of this site, you will be subject to any posted guidelines, rules or policies for the service. Those guidelines, rules and policies, whether now existing or adopted in the future, are incorporated by reference into these terms of use.
PROPRIETARY RIGHTS
General Re Corporation (hereinafter referred to as Gen Re or sometimes "us" or "we"), maintain this Internet site as a service to the Internet community. The design of this site, and information contained within are the property of Gen Re and protected by copyright, trademark and other intellectual property and proprietary rights. The selection, arrangement and design of the entire contents of this Internet site, as well as the original contents herein, are the property of Gen Re. Gen Re®, the light design, General Re®, The Cologne Re®, and other Gen Re companies and services referenced herein are either service marks or registered service marks of General Re Corporation or General Reinsurance AG. Other product and company names mentioned herein might be the trademarks or service marks of their respective owners.
This site may be viewed and its contents downloaded by you for your own personal non-commercial use or your companies' internal use. You must keep intact all copyright and other proprietary notices. The site and its contents may not be displayed, modified, transmitted, reproduced, copied, licensed, sold, broadcast, published, re-published or distributed in whole or in part in any manner without the prior written consent of Gen Re.
COPYRIGHT COMPLAINTS
Gen Re respects the intellectual property of others, and we ask our users and visitors to do the same. Gen Re may, in appropriate circumstances and at its discretion, terminate access to a user or visitor who infringes the intellectual property rights of others. If you believe that your work has been copied and is accessible on the Gen Re site in a way that constitutes copyright infringement, please notify Gen Re by regular mail or electronic mail at the following address:
By Mail: Frank Foster
General Re Corporation
120 Long Ridge Road
Stamford, CT 06902 (USA)
By E-mail:
DISCLAIMER
This site has been established for the benefit of Gen Re, its registered customers and other visitors. If you are a visitor to this Site or a user of one of our Extranets, you may also have the ability to submit risks to a Gen Re company and to certain other parties.
Gen Re will use reasonable efforts to respond to submissions from customers of Gen Re within one business day, but may take longer. Gen Re does not undertake to respond to any electronic mail, submissions or requests from visitors who are not customers of Gen Re. In addition, we will not accept submissions from potential insureds, insurance brokers or agents, or insurance or reinsurance intermediaries. There is no promise or undertaking by Gen Re that it will reinsure any risk submitted through this site. By using this site, you acknowledge that it has been provided for the convenience of Gen Re. Gen Re reserves the right to refuse to underwrite or refuse to reinsure any risk submitted through the site.
Gen Re may (but is not obligated to) enable users to submit risks to e-mail addresses other than those within the genre.com domain, but Gen Re EXPLICITLY DISCLAIMS RESPONSIBILITY FOR ANY FAILURE OF THE TRANSMISSION TO REACH ITS INTENDED RECIPIENT OR FROM ANY RESULT OF SUCH FAILURE. Gen Re also notifies users that it may not inform the customer visitor of the results of the attempted transmission or failure thereof through the Internet site. Gen Re may discontinue this submissions feature in its sole and absolute discretion.
Extranet users may have the ability to submit loss memorandum and loss information via the Extranet and to receive confirmation thereof for their own use and further distribution. Gen Re MAKES NO WARRANTIES OR REPRESENTATIONS THAT FORWARDING THIS INFORMATION OR OTHER USE OF IT CONSTITUTES VALID NOTICE OF LOSS TO OTHER PARTIES PARTICIPATING IN THE RISK.
We will use reasonable efforts to include accurate, reliable and up-to-date information, but make no warranties or representations as to the truth, accuracy, reliability, usefulness, timeliness and completeness of the information provided here by Gen Re. WE SHALL NOT BE LIABLE FOR DAMAGES OF ANY KIND RELATED TO OR ARISING OUT OF: (1) YOUR ACCESS OR INABILITY TO ACCESS OR YOUR USE OR YOUR INABILITY TO USE genre.com OR OTHER SITES OWNED OR CONTROLLED BY Gen Re; (2) YOUR RELIANCE ON THE INFORMATION PROVIDED IN ANY Gen Re SITE OR SERVICE; OR (3) FOR THE LOSS OF ANY DATA OR INFORMATION THAT YOU PROVIDE TO US. The products and services descriptions included are for the sole purpose of providing a general reference tool concerning the nature and type of products and services available and from the Gen Re group of companies. The descriptions are not intended to be relied upon by customers or by potential customers. The descriptions of policy and contract provisions in this web site provide a broad overview of coverages only. All coverages are subject to conditions, coverage limits, limits of liability, limitations and exclusions as contained in the relevant policy or contract. See the relevant policy or contract itself for an exact description of the coverage provided. If you are interested in a particular product or service, please contact your account executive.
We have designed the site to work optimally with Microsoft Internet Explorer 4.0 and above and Netscape Communicator 4.0 and above. Certain sections of the site may not be viewable with older model browsers.
WE ALSO DISCLAIM ALL LIABILITY FOR ANY COMPUTER VIRUSES OR OTHER DISABLING COMPUTER CODE THAT MAY BE LOADED INTO USER'S COMPUTERS WHEN THEY DOWNLOAD DOCUMENTS FROM THIS WEB SITE. Gen Re PROVIDES ACCESS TO TOOLS, INCLUDING DOWNLOADABLE TOOLS, BUT DOES NOT GUARANTEE THEIR FITNESS FOR ANY PURPOSE, THEIR SUITABILITY FOR ANY TASK, THEIR ACCURACY, RELIABILITY OR USEFULNESS, OR THEIR COMPATIBILITY WITH YOUR COMPUTER OR SYSTEM. Users of this site are strongly advised to obtain and use appropriate anti-virus and security software. The access provided to the tools on any Gen Re site or service does not include any proprietary rights in the tools. The rights to any such tools shall at all times be retained by Gen Re or its third party licensors. Although Gen Re will not knowingly infringe the rights of third parties, it makes no representation or warranty that the tools provided do not infringe the rights of others.
Clicking on certain links within this site will let you leave Gen Re's site. The linked sites are not under the control of Gen Re and Gen Re is not responsible for the contents of any linked site or any link contained in a linked site. Gen Re provides these links to you only as a convenience, and inclusion of any link does not imply endorsement by us of a linked site. Gen Re is under no obligation to maintain any link on this site and may remove a link at any time in its sole discretion for any reason whatsoever.
From time to time, Gen Re may, but is not obligated to, host a discussion forum on this site or an Extranet site. Gen Re assumes no responsibility for information posted in connection with the discussion forum. If you submit material to this site or post on the discussion forum, by doing so, you warrant that to the best of your knowledge and belief the information contained therein is truthful, does not violate the rights or property interests of others, and is not unlawful, threatening, defamatory, vulgar, obscene or otherwise objectionable. You will not use the forum for solicitation, advertisement or promotion of any business or activity that is inconsistent with the purposes and intent of Gen Re or for any illegal or unlawful purpose. You declare that we may use and reproduce the material submitted for any purpose and grant us a non-exclusive, perpetual royalty-free license to such material. As a condition of submitting materials, you agree to waive any "moral rights" (droit moral) or other rights of authorship which may accrue or have accrued to you under any laws of any jurisdiction. We reserve the right to investigate complaints that visitors may make about the content on the site or the discussion forum. We reserve the right to remove any content from the site, in our sole and absolute discretion at any time and to terminate the privilege of any visitor to post on the forum or to participate in other Gen Re services if they misuse the posting privilege or violate other terms of use.
By continuing to access this web site, and by submitting material to us, you agree that you shall have no recourse against the Gen Re group of companies for any alleged or actual infringement or misappropriation of any proprietary rights in your communication to us. By submitting material, you hereby confirm your understanding that you will not be entitled to any compensation or other remuneration because of our use or disclosure of such other similar or identical material. You hereby acknowledge that no fiduciary or confidential relationship exists between you and us, either now or by reason of your submitting any information to us, unless we have made and executed a separate written agreement to the contrary.
This agreement does not create a confidential relationship between you and us. We shall have no liability whatsoever for the results of your postings and submissions to this site or by means of this site.
We reserve the right at all times and in our sole discretion to change the products and services referred to in www.genre.com.
PRIVACY
We at Gen Re understand that web enabled customers are concerned about the privacy of information. We have established policies and procedures concerning the collection, use and security of information that will help protect the privacy of registered users. Our information privacy standards are designed to help us serve our customers while maintaining our own strict security standards, and are intended to comply with the data protection laws of the various countries where we do business.
We will collect only the personal information from visitors, including their addresses, from forms that the visitors voluntarily submit and based on their usage of this site. This information is collected in order to enable Gen Re to better identify and serve its customers and to respond better to their needs. We also collect risk submission details in order to respond to customers and potential customers. We also collect and store certain information in order to answer your e-mail, to complete your personal profile and to measure the overall interest of visitors to the various sections of this site and our Extranets. On the Extranets, we also collect loss reporting information and may also collect accounting data and rate making data. We will not intentionally disclose the details about web visitors or any of their business information to anybody outside Gen Re and its subsidiaries and affiliates without the visitor's express permission, unless disclosure is required by law, or is in compliance with legal process, or if necessary to protect our rights or our business reputation or to act in an emergency situation to protect personal safety or to prevent harm to persons or property. If a web site visitor creates a personal profile, we will undertake to store the visitor's submissions to provide the visitor the ability to retrieve the submissions, but we do not assure that this data will be available. We also reserve the right to change, withdraw or terminate the functionality which enables access to past and pending submissions.
We will collect information about the Internet Service Providers and the Browsers that visitors use to visit www.genre.com and we will use this aggregated information statistically to serve our customers better. From time to time, this site may serve cookies. A cookie is a small file that is created to help visitors navigate about a site, and is useful to track the traffic to and at a site. You may refuse the cookies but certain services on a site may not then function properly.
SECURITY
We cannot provide any assurance of privacy over a network that is not a secure network or over a network that we do not control. The Internet is not a secure network and, aside from our own servers, not within our control. However, www.genre.com will collect and store personal details and risk submissions using the Secure Socket Layer (SSL) protocol, a secure server and security protocol to help safeguard the information you provide while interacting with you. This encrypts your information so a third party cannot easily read the information while in transit.
Electronic Message and E-Mail Security – Messages traveling through the Internet using your Internet provider's e-mail process are subject to viewing, alteration and copying. We are not responsible for the security or confidentiality of communications you send to www.genre.com through the Internet using the e-mail process.
TERMINATION
These terms of use are effective until terminated by either party as follows: (1) you may terminate by discontinuing use of this site and destroying any materials obtained from this site; and (2) Gen Re may terminate this agreement at any time without notice, and remove and discard the site or any content within the site, for any reason, including, without limitation, for lack of use, or if Gen Re believes in its sole discretion that you have violated or acted inconsistently with the letter or spirit of the terms of use. Gen Re may also discontinue providing this site and service at any time, with or without notice.
LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND THAT UNDER NO CIRCUMSTANCES SHALL Gen Re OR ANY OF ITS MEMBER COMPANIES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS SITE, EVEN IF Gen Re OR A Gen Re AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.THIS INCLUDES ANY STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE.
SINCE SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL Gen Re'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS U.S.
INTERPRETATION
The provisions of this Policy are intended as guidelines and are not meant to be exhaustive. Generally, conduct that violates law, regulation, or the accepted norms of the Internet community, whether or not expressly mentioned in this Policy, is prohibited. Gen Re reserves the right at all times to prohibit activities that damage its commercial reputation and goodwill or the commercial reputation and good will of its vendors and customers. We may modify our policy at any time. We may add, delete, or modify any provision of this Policy at any time without notice. We may take whatever action we deem appropriate, including (among other things) investigating allegations of improper activities, making reports to law enforcement authorities or suspending or terminating service to you, if we believe that there has been a violation of this Policy or a breach of our agreement with you.
CHOICE OF LAW AND JURISDICTION
These terms of use will be governed by and construed in accordance with the laws of the State of Connecticut, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the state or U.S. federal courts located in Connecticut and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.
