Terms & conditions

1.1 www.hiscoxils.com ("Site") is provided for your information by Hiscox Re Insurance Linked Strategies Ltd. Chesney House, 96 Pitts Bay Road, Pembroke HM 08, Bermuda ("Hiscox Re ILS"). Hiscox Re ILS is a wholly owned subsidiary of Hiscox Ltd. and is licensed as an Investment Manager by the Bermuda Monetary Authority. Hiscox Re ILS carries on its business activities exclusively in Bermuda.

1.2 These are the general terms and conditions that govern your use of this Site. Please read these terms and conditions carefully. By using the Site you agree to be bound by these terms and conditions. If you do not wish to be bound by these terms and conditions, you may not continue to use or access the Site.

1.3 These terms and conditions may change or be updated from time to time. It remains your responsibility to access and check these terms and conditions whenever you access the Site. The latest version of these terms and conditions will govern any future usage by you of the Site.

2. What you are allowed to do

You may:

(a) browse the Site using a compatible web browser. Permission to browse the Site includes permission to make transient or cached copies of parts of the Site to the extent that this occurs in the normal course of using your browser and that these copies are used only to facilitate current or subsequent access to the Site by you; and

(b) print a copy of any page of the Site for your own personal purposes, provided you do not do any of the things set out under the heading "What you are not allowed to do", below.

3. What you are not allowed to do

3.1 Except to the extent expressly set out in these terms, you are not allowed to make any copies of any part of the Site.

3.2 You may not remove or change anything on the Site.

3.3 You may not include or create links to or from the Site without our express written permission.  If you wish to obtain such permission, please contact [email protected].

3.4 You are not allowed to remove or change any copyright, trade mark or other intellectual property right notices contained in the original material or from any material copied or printed off from the Site.

3.5 You must not seek to introduce any computer virus (including any variant or similar malicious code or instructions) to the Hiscox Re ILS systems, nor deliberately seek to prevent or hinder the Site’s usual operations in any manner whatsoever.

4. Compliance with Laws

4.1 You must only use the Site and anything available from the Site for lawful purposes, and you must comply with all applicable laws, statutes and regulations.

4.2 This Site contains general information on Hiscox Re ILS and its products and services and this Site and its contents are not intended to constitute investment or other advice (nor any solicitation to participate in investment or other business) in any country in the world.

4.3 By using this Site you agree that you will familiarise yourself with and adhere to any restrictions that may exist in your jurisdiction in relation to any products or services referred to in this Site.

5. Your personal information

Usage of your personal information is governed by our Privacy Policy, which forms part of these terms and conditions. In the event that Hiscox Re ILS undergoes reorganisation or is sold to a third party, any personal information Hiscox Re ILS holds about you may be transferred to that reorganised entity or third party, provided that their usage of it remains in accordance with our Privacy Policy.

6. Rights

All intellectual property rights in any material (including text, photographs and other images and sound, trade marks and logos) contained in this Site is either owned by Hiscox Re ILS or has been licensed to Hiscox Re ILS by the rights' owner(s) so that Hiscox Re ILS can use this material as part of its Site. You are only allowed to use this Site and the material contained in the Site as set out in these terms.

7. Disclaimer and limitation of liability

7.1 Hiscox Re ILS does not, and nothing in these terms and conditions shall act to, exclude or limit Hiscox Re ILS' liability for death or personal injury resulting from its negligence, fraud or any other liability which may not by applicable law be excluded or limited. Your statutory rights as a consumer are not affected by any of these terms.

7.2 You agree that your use of the Site is on an "as is" and "as available" basis and that your use of the Site is at your sole risk. On that basis, except as expressly set out in these terms, Hiscox Re ILS does not enter into conditions, warranties or other terms in relation to the Site (including any implied term relating to quality or fitness for a particular purpose).

7.3 Subject to clause 7.1, in no event shall Hiscox Re ILS be liable (whether for breach of contract, negligence or for any other reason) for any loss or damage which you may claim to have suffered by reason of your accessing and use of the Site, including (but not limited to) loss of profits, exemplary or special damages, loss of sales, loss of revenue, loss of goodwill, loss of any software or data, loss of bargain, loss of opportunity, loss of use of computer equipment, software or data, loss of or waste of management or other staff time, or for any indirect, consequential or special loss, however arising.

7.4 Hiscox Re ILS tries to make sure that all information contained on the Site is correct, but it does not accept any liability for any error or omission. You should check with Hiscox Re ILS or the relevant supplier before acting on any information on the Site. Hiscox Re ILS is not liable for any action you may take as a result of relying on any information provided in this Site.

7.5 Hiscox Re ILS may change the format and content of the Site from time to time. You should refresh your browser each time you visit the Site to ensure that you download the most up to date version of the Site, including the latest version of these terms and conditions and the Privacy Policy.

7.6 Other Hiscox Re ILS websites (whether or not expressly linked to from the Site) may contain terms and conditions that are different from these terms and conditions. These terms and conditions relate to this Site only. When visiting other Hiscox Re ILS websites (for example, www.hiscoxre.com) please read the terms and conditions governing the use of such websites, which shall be binding upon you.

8. Suspension and termination of service

8.1 Hiscox Re ILS may suspend the operation of the Site at any time, for example for repair or maintenance work or in order to update or upgrade the contents or functionality of the Site from time to time. Access to or use of the Site or any Sites or pages linked to it will not necessarily be uninterrupted or error free.

8.2 Hiscox Re ILS may terminate your access to the Site immediately in the event you breach any of these terms and conditions.

8.3 Hiscox Re ILS in any event reserves its right to withdraw the Site from public access at any time, at its complete discretion.

9. Enquiries or complaints

If you have any enquiries or complaints then please address them to:

Richard Lowther, Chief Operating Officer

Telephone: +1 441 278 8300

Address: Wessex House, 45 Reid Street, Hamilton HM12, Bermuda

10. General and governing law

Hiscox Re ILS may change these terms and conditions from time to time and will endeavour to notify you of any major changes by posting a message on the Site. However, by browsing the Site you are accepting that you are bound by the current terms and conditions. You should check these each time you revisit the Site. These terms and conditions form the entire understanding of the parties and supersede all previous agreements, understandings and representations relating to the subject matter of their terms or your use of the Site. If any provision of these terms and conditions is found to be unenforceable, this shall not affect the validity of any other provision. Hiscox Re ILS may delay enforcing its rights under these terms and conditions without losing them. You agree that Hiscox Re ILS may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed and interpreted in accordance with Bermudan law, and you consent to the non-exclusive jurisdiction of the Bermudan courts.

11. Disclaimer

All information or advice provided is intended to be general in nature and you should not rely on it. Hiscox Re ILS is not liable for any action you may take as a result of relying on such information or advice or for any loss or damage suffered by you as a result of you taking this action.