Home About Us Our People Coverage Webinars Contact Us TERMS OF USE This website and its contents are the property of Mutual Insurance Company Limited (“Mutual”) and any successor in interest. This web page sets forth the "Terms of Use" that apply to your use of the www.mutualinsurance.bm website (the “Website”). Please also review Mutual’s [Privacy Policy]. By using the Website, you agree to be bound by these Terms of Use. Mutual may revise these Terms of Use in its sole discretion at any time by updating this posting. The terms "You" and "User" are used to refer to anyone who is accessing the Website. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, DO NOT USE THIS WEBSITE. Ownership of Copyrights, Trademarks and Other Intellectual Property You acknowledge that Mutual owns the copyright, trademark, and all other intellectual property rights to this Website and all content, samples, forms, materials and information (“Materials”) provided on this Website unless otherwise expressly indicated. User agrees not to remove, modify or obscure intellectual property information including copyright notices or other copyright management information appearing on the Website. All Materials on this Website is protected by international copyright, trademark and other laws. All rights are reserved by Mutual, and you agree not to copy, reproduce, download, disseminate, publish, or transfer content in any form or by any means, except with our prior written permission, or as permitted by us in a separate written agreement. Any unauthorized use is strictly prohibited. Permitted and Prohibited Uses of Materials Permitted Uses of Materials Users may view, print, and temporarily store Materials from the website for personal, internal, or noncommercial use, provided: (i) that Mutual's copyright notices are not removed and, (ii) that the reuse of Materials does not conflict with any of the prohibited uses below. Prohibited Uses of Materials 1. Except for the permitted uses above, User agrees not to reproduce, distribute, transmit (via print, fax, electronic, or other means), modify, alter, or create derivative works of the Materials contained in the Website without prior written permission from Mutual. 2. User agrees that Materials may not be sold to third parties without prior written authorization from Mutual. 3. User agrees that Materials may not be systematically stored on a server so as to substitute for the purchase of a subscription and/or license agreement to/for the Materials. Registration and Password Users with registered information and password may be able to submit documents to Mutual through the Website. Users are responsible for maintaining the confidentiality of their information and password. User is responsible for all use associated with User's registration and the compliance with all Terms of Use. User agrees to immediately notify Mutual of any unauthorized use of your password or account or any other breach of security. Links to Other Sites The Website may contain links to third party websites. These links are provided solely as a convenience to User and not as an endorsement by Mutual of the third party or the contents of such third party websites. Because we do not have any control over such third party websites, Mutual is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. Linking to third party websites is performed at User’s own risk. Prohibited Uses of Website & Website Security Interference with Website operation: User agrees to not access or use the Website in any manner that could damage, disable, impair or cause undue burden on the Website and/or its host, servers, network, systems or other users. You agree that you will not attempt to interfere in any way with the operation of the Website, that you will not transmit any virus or worm to the Website, that you will not use any spider, robot or any other automated mechanism to access the Website and/or its servers or systems, and that you will not engage in flooding, spamming, mail-bombing, crashing or otherwise sending unsolicited e-mail to other users of the Website. You further agree that you will not attempt to access data that is not intended for your use, that you will not attempt to log on to a server or account that you are not authorized to access, and that you will not probe, scan or test the vulnerability of any system or network related in any way to the Website without authorization. Alteration of Website content: None of the material contained on the Website (including all software, HTML code, and other code) may be reverse-engineered, disassembled, decompiled, transcribed, stored in a retrieval system, translated into any language or computer language, retransmitted in any form or by any means (electronic, mechanical, photo-reproduction, recordation, or otherwise), resold or redistributed without the prior written permission of Mutual. Violation of Website security: Users are prohibited from violating or attempting to violate the security of the Website. This site has security measures in place to protect the loss, misuse, and alteration of the information under Mutual’s control. Please see Mutual’s [Privacy Policy] for further details concerning the Website’s privacy practices. Compliance: User agrees to comply with all applicable laws, as well as with these Terms of Use. User agrees not to engage in any unlawful or commercial activity on the Website. Waiver of Liability User assumes all risks associated with dealing with other users with whom User comes in contact through the Website. Should a dispute arise between User and another user, User hereby agrees to release Mutual from all claims, demand, and damages associated with such a dispute. IN NO EVENT SHALL MUTUAL OR ANY THIRD PARTIES MENTIONED ON THE WEBSITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEBSITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT MUTUAL IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. No Warranties ALTHOUGH AN EFFORT HAS BEEN MADE TO PROVIDE CORRECT INFORMATION, THE CONTENT THAT IS POSTED ON THE WEBSITE MAY CONTAIN INACCURACIES OR TYPOGRAPHICAL ERRORS OR COULD BE OUT-OF-DATE. MUTUAL MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE WEBSITE, THE MATERIAL OR OTHER POSTED CONTENT, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS. THE WEBSITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. MUTUAL DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT OF COPYRIGHT TO THE FULLEST EXTENT PERMITTED BY LAW. MUTUAL DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE WEBSITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF THE WEBSITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, MUTUAL IS NOT RESPONSIBLE FOR THOSE COSTS. Inadvertent Error Mutual has done its best to insure that all information on the Website is accurate. If there is an error in information on the Website, it is inadvertent. Should an error be discovered, please notify Mutual at info@mic.bm, so necessary corrections may be made. No Effect on Agreements This Website shall be used for informational purposes only, and nothing on this Website shall be construed to add or modify terms to any existing or future agreements with Mutual. Indemnity User agrees to defend, indemnify, and hold harmless Mutual, its trustees, officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal fees, resulting from your use of the Website or your breach of the Terms of Use, including, without limitation, your submission of content that violates third party rights or applicable law. Mutual shall provide notice to User promptly of any such claim, suit, or proceeding and shall assist User, at User's expense, in defending any such claim, suit or proceeding. Access to Website User accesses this Website at User's own risk. For Users accessing this Website from the EU, be aware that Users may instruct their Internet browsers to opt out of accepting cookies, or not use this Website. User agrees to comply with all applicable rules and laws regarding the transmission of technical data exported from the country in which you reside. Governing Law The Website and these Terms of Use shall be governed by the laws of Bermuda. By visiting and using the Website, you consent to the jurisdiction of the Bermuda courts and you agree to accept service of process by mail. You hereby waive any and all jurisdictional and venue defenses that might otherwise be available. Regulation Mutual Insurance Company Limited. is regulated and licensed to conduct insurance business by the Bermuda Monetary Authority. Mutual Insurance Company Limited P.O. 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