Disclaimer

The terms of this disclaimer (hereinafter referred to as "Disclaimer") apply to this Web site. Please read the Disclaimer carefully before using this Web site. By accessing this Web site and or using the information provided on or via this Web site, you declare that you have taken note of the Disclaimer and that you have accepted the Disclaimer. If you do not accept one or more terms of this Disclaimer, you should not access and/or use the information provided on or via this Web site.

General
This Web site has been compiled by ACE European Group Limited (ACE Europe), incorporated on May 9th, 1973 in London, England, company number 1112892. ACE EUROPE is authorized and regulated by the Financial Services Authority (UK). In some or all respects the regulatory system applying will be different from that of the United Kingdom. ACE EUROPE is registered in Rotterdam, the Netherlands, number 24160426, and member of the Netherlands Association of Insurers (“Verbond van Verzekeraars”).

Use of this Web site
The information provided on or via this Web site relates to the Netherlands only. ACE EUROPE makes no representations that the information provided on or via this Web site complies with legal requirements in other jurisdictions.

The information provided on or via this Web site should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk.

Your attitude and conduct must be in accordance with that which can be expected from a responsible and careful Internet user in all respects. Among other things, you may not use the Web site or the content thereof for actions and/or conduct that are against the law, the public order or common decency. In particular, the following actions and/or conduct are not permitted: (a) infringing any patent right, copyright, database right, design protection or trademark right, or any other (intellectual property) rights of third parties; (b) making injurious, unlawful or misleading statements; (c) circulating material that is prohibited by law; (d) acting contrary to relevant law or international law; and (e) evading or deleting the security of the Web site or a portion thereof.

Any use of this Web site (i) that may hinder the use of other Internet users, (ii) that can endanger and/or jeopardize the functioning of this Web site and/or (iii) that can affect the information provided on or via this Web site or the underlying software, is not permitted.

Third party information, products and services
Where ACE EUROPE provides hypertext links to third party Web sites, such links are not an endorsement by ACE EUROPE of any products or services provided on or via such Web sites. By clicking on such links, you will leave ACE EUROPE’s Web site. ACE EUROPE is providing these links to you only as a convenience. The use of such links is entirely at your own risk and ACE EUROPE accepts no responsibility or liability for the content, use or availability of such Web sites. ACE EUROPE has not verified the truth, accuracy, reasonability, reliability, completeness of any content of such Web sites.

Intellectual Property
ACE EUROPE, or the relevant owner, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this Web site (including all texts, graphics, logos photographs, illustrations, figures and/or screensavers). You may not copy, download, publish, distribute, otherwise reproduce, alter, circulate, ‘reverse engineer’, decompile or in any other way use, commercialize or exploit any of the information contained on this Web site in any form without the prior written consent of ACE EUROPE or the appropriate consent of the owner. However, you may print out and/or download information contained on this Web site for your own personal use.

Links to ACE EUROPE Sites are not permitted without the prior written consent of ACE EUROPE. You may not, nor shall you assist others, add, alter, substitute, amend or frame in whole or in part any information displayed by ACE EUROPE on the Web site or any functions performed by the Web site.

You further may not, nor shall you assist others to frame or set up links from your own or any other web sites to this Web site (whether by hypertext linking, deep-linking, framing, tagging or otherwise), in whole or in part, without the prior written consent of ACE EUROPE.

You are aware that the Web site contains trademarks and trade names of ACE EUROPE. The user may not in any way cause damage to or derive unjustified advantage from the reputation of ACE EUROPE’ s trademarks and trade names, which includes but is not limited to not altering or deleting trademarks or identifying marks placed on any information and/or any indications of copyrights, trade names or other intellectual property rights.

Communication on line
Messages that you send to ACE EUROPE by e-mail may not be secure. ACE EUROPE recommends that you do not send any confidential information to ACE EUROPE by e-mail. If you choose to send any messages to ACE EUROPE via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

Limitation of liability
Although ACE EUROPE attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, ACE EUROPE does not warrant that information provided on or via this Web site is accurate, complete or up-to-date, nor does ACE EUROPE warrant that this Web site is free of viruses and/or functions without error or interruption.

ACE EUROPE maintains this Web site from the UK and controls this Web site from the Netherlands. ACE EUROPE makes no representation that the information provided on or via this Web site is appropriate or available for use in other locations than the Netherlands. If you use this Web site from other locations than the Netherlands, you are responsible for compliance with applicable local laws.

ACE EUROPE excludes any and all liability for damages (including but not limited to property damage, financial (capital) damages as a result of material damages and purely financial damages), even if ACE EUROPE is advised of the possibility thereof, arising in any way from, including but not limited to, (i) any defects, viruses, or other malfunctions caused to any equipment and other software in connection with access or use of this Web site, (ii) the information provided on or via this Web site, (iii) the interception, modification or misuse of information transmitted to ACE EUROPE or transmitted to you, (iv) the functioning or non-availability of this Web site, (v) the misuse of this Web site, (vi) the loss of data, (vii) downloading or use of any software made available by this Web site, or (viii) claims of third parties in connection with the use of this Web site.

You shall indemnify ACE EUROPE against claims from third parties in respect of breach or non-fulfilment of the Disclaimer or against claims that are otherwise connected with or that result from your use of the Web site.

Applicable law
This Web site and its Disclaimer shall be governed by and construed in accordance with the laws of The Netherlands. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the court of Rotterdam.

Amendments
ACE EUROPE reserves the right to change the information provided on or via this Web site, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this Web site, including the terms of this Disclaimer, periodically for changes.

In the event of any conflict between the terms and conditions of specific products and services and this Disclaimer, the conditions specific to such products and services shall prevail.

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