TERMS & CONDITIONS
is a website operated by Unique Risks Ltd. (Unique Risks), a Canadian based Managing General Agent.
1.1 You will be able to access most of the Website without registering your details with Unique Risks. Certain areas of this Website are only open to you if you register. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users that have registered.
2. USER REGISTRATION
2.3 Unique Risks may in its sole discretion refuse your application to become a Registered User.
2.4 Each registration is for a single user only. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of Unique Risks security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You agree that you are responsible for a third party’s use of your user identification, whether authorized by you or not.
3. INFORMATION ABOUT YOU AND YOUR VISITS TO THE WEBSITE
4. NO ADVICE
4.1 The information given by the Website does not seek to provide a complete overview of all the risks or factors that you must consider in taking any decision. The information cannot, and should not be, a substitute for professional advice. You should seek your own independent and professional advice with regards to the interpretation of any rules or policies with respect to your own circumstances.
5. LICENSES AND INTELLECTUAL PROPERTY
5.1 You acknowledge that your use of the Website may require licenses to certain third party products, such as tools provided by Adobe Acrobat or Microsoft Office. You acknowledge that it is your responsibility to obtain any such licenses to third party products.
5.2 You acknowledge that the Website contains confidential and proprietary information and that by downloading this information you do not acquire any right, title or interest in or to this information.
5.3 You agree not to alter any detail of ownership, copyright statement, trademark or other proprietary right statement connected with the information contained on the Website.
5.4 Subject to paragraph 6.1 the information made available to you on the Website is for use by you only and you agree not to disclose the information to any other third party.
5.5 You agree not to modify, reproduce, distribute, adapt, merge, publish, transmit,sell, assign, licence, transfer, lend, rent, hire-out, timeshare, charge, pledge or commercially exploit the whole or any part of the information contained on or downloaded from the Website.
5.6 Unique Risks makes no representation or gives any warranties, either express or implied,about the information contained on the Website or in relation to your downloading or use of it.
6. RIGHT TO USE
7. SERVICE ACCESS
7.1 While Unique Risks endeavors to ensure that this Website is normally available 24hours a day, Unique Risks will not be liable if for any reason this Website or any portion of or function on this Website is unavailable at any time or for any period.
7.2 Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Unique Risks control.
8. VISITOR MATERIAL AND CONDUCT
9. LINKS TO AND FROM OTHER WEBSITES
9.1 Connected Unique Risks websites that can be accessed via links from this Website,and information provided therefrom such as via RSS feeds are subject to separate terms and conditions. You must therefore read those terms and conditions carefully before using those sites or using any Website material provided via RSS feeds.
9.2 Links to third party sites on this Website or RSS feeds are provided solely for your convenience. If you use these links, you leave this Website. Unique Risks makes no representations as to the security, quality or propriety of any site which maybe accessed through this Website and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such sites or goods or services purchased from them.If you decide to access any of the third party sites linked to this Website or RSS feeds, you do so entirely at your own risk.
9.3 If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, the page of this Website, and subject to the following conditions: you do not remove, distort or otherwise alter the size or appearance of the Unique Risks logo; you do not create a frame or any other browser or border environment around this Website; you do not in any way imply that Unique Risks is endorsing any products or services other than its own; you do not misinterpret your relationship with Unique Risks nor present any other misleading information about Unique Risks; you do not otherwise use any Unique Risks trade marks displayed on this Website without express written permission from Unique Risks; you do not link from a site that is not owned by you or, with the consent of your employer to the terms in paragraph 9.3, your employer; and your site does not contain any material outlined in paragraphs 8.2 (a), (b) (c),and (e) and otherwise complies with all applicable laws and regulations.
10.1 The communication of information and service on the Website provided by either third parties or Unique Risks is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. In particular, the contents and/or subject matter of the Website does not constitute an offer of information, products or services,or offer to purchase or solicitation of insurance to Canadian or U.S. residents,or in any other jurisdictions where such an offer may be unlawful.
10.2 The Website and attached communications do not represent a prospectus or invitation in connection with any solicitation of capital. Nor does it constitute an offer to sell securities or insurance, a solicitation of an offer to buy securities or insurance, or a distribution of securities in Canada, the United States or to a U.S. person, or in any other jurisdiction where it is contrary to local law. Website users should inform themselves about and observe any applicable legal requirement.
10.3 The information, including any insurance or financial related information,viewable by you on this Website is provided for information only and does not constitute an offer to sell (or the solicitation of an offer to purchase) insurance, nor does it constitute investment advice of any kind whatsoever.
10.4 While Unique Risks and its third party providers endeavour to ensure that the information on this Website is correct, Unique Risks and its third party providers do not warrant the accuracy and completeness of the material on this Website. Unique Risks may make changes to the material on this Website at any time without notice.
11. WARRANTY AND LIABILITY
11.1 This Website is provided “as is” for information purposes only and Unique Risks and its third party providers give no warranties of any kind either express or implied in respect thereof. Specifically, but without limitation, Unique Risks and its third party providers do not warrant that: you will be able to use this Website or that it will continue to be made available in its current or any other form; or this Website or any material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose.
11.2 It is your responsibility to use suitable anti-virus software on any material that you may download from this Website and to ensure the compatibility of such software or material with your equipment.
11.3 The editorial content of any other site to which you have gained access by means of any hyperlinks published on the Website or the content of information provided on this Website by RSS feed, originating from any other site, remains the responsibility of the provider of that other website.
11.4 All warranties which would otherwise be implied by law are hereby excluded.
11.5 Unique Risks and its third party providers will not have any liability whatsoever,including without limitation, for any special, consequential, indirect, incidental,exemplary or punitive damages, whether in contract, tort or otherwise in connection with, arising from or related to your use of the Website, including without limitation,in connection with, arising from or related to: any computer virus or other bug transmitted through this Website (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components,corrupted data or other malicious software or harmful data); your use of or inability to use this Website at any time and any failure by Unique Risks to provide this Website; your use of and/or reliance on other sites to which you have gained access by means of hyperlinks published on this Website; any inaccurate information published on this Website; your failure to comply with any law or regulation that is applicable to you; or your reliance on or use of any information published on this Website. You should note specifically that information might be published on this Website about insurance that may not be appropriate for your specific purposes or circumstances.If you are in any doubt as to who you should contact please refer to Contact Us.
12. Unique Risks SERVICES DOES NOT INVOLVE GIVING ADVICE
12.1 The services Unique Risks provides on the Website including those of its third party providers do not include, and do not purport to include giving advice of any kind whatsoever; providing, arranging, explaining, advising on or promoting insurance products of any type whatsoever; acting as insurance brokers or intermediaries,whether or not independent from any insurance provider; acting as agents of any kind for you or for any provider; providing brokerage or intermediary services of any kind whatsoever or assuming any of the duties of any such persons under any applicable legal system.