Visit WiltonRe.com HOME ABOUT US OUR SOLUTIONS CONTACT US TERMS OF USE Terms and Conditions of Use Please Read These Terms Carefully Before Using This Site PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE. YOUR ACCESS AND USE OF THIS SITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH BELOW. Wilton Re and its affiliate companies (“Wilton Re,“ the “Company,” “we,” “us”) provides this website (the “Site“), subject to the following Terms and Conditions of Use (the “Terms”), which may be updated by us from time to time as provided below. This Site provides you with certain services, including but not limited to, access to information about the products and services offered by Wilton Re. Use of this Site is subject to these Terms and all applicable laws. Certain areas within this Site may be subject to additional or different terms and conditions of use, which are posted in those areas. Not all of the services and materials described on this Site are available for use in all geographic areas of the United States or in all countries where Wilton Re conducts business. By using the Site, you agree to abide by all of the terms and conditions set forth in these Terms. Unless stated otherwise, any services and materials added to this Site after the Last Updated date of these Terms (as set forth below) also will be covered by these Terms. Limited License Subject to the Terms, Wilton Re grants you a non-exclusive limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way. Wilton Re authorizes you to view and download the information (“Materials“) at this Site only for your individual use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; and 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. No Offer THE INFORMATION ON THIS SITE IS NOT AN OFFER BY OR ON BEHALF OF WILTON RE TO SELL OR SOLICIT AN OFFER TO BUY AN INSURANCE PRODUCT. Copyrights/Trademarks This Site, including all Materials, is copyrighted and protected by worldwide copyright, trademark and intellectual property laws and treaty provisions. You agree to comply with all such laws in your use of this Site and to prevent any unauthorized copying of the Materials. No part of the materials on this Site, including Site text, graphics and html code, may be reproduced or transmitted in any form by any means without the express written consent of Wilton Re. Except as expressly provided herein, Wilton Re does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information. Disclaimers YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (1) YOUR USE OF THIS SITE AND THE MATERIALS PROVIDED AT THE SITE ARE AT YOUR SOLE RISK, AND (2) THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. WILTON RE DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON THE MATERIAL OR ANY OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. WILTON RE RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. WE USE REASONABLE EFFORTS TO PROVIDE YOU WITH ACCURATE INFORMATION. WE RESERVE THE RIGHT, HOWEVER, TO MAKE CORRECTIONS AND/OR CHANGES SHOULD THIS INFORMATION PROVE TO BE INACCURATE. WILTON RE MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE. THIS SITE, THE SERVICES, INFORMATION AND MATERIALS ON THE SITE AS WELL AS ANY SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF IMPLIED WARRANTIES. THEREFORE SOME OF THE EXCLUSIONS ABOVE MAY NOT APPLY TO YOU. Limitation of Liability YOU UNDERSTAND AND AGREE THAT WILTON RE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES, COSTS OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM: (i) YOUR USE OF OR INABILITY TO USE THE SITE, OR (ii) OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES, OR (iii) THE USE OF ANY DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE SITE, OR (iv) ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR (v) ANY OTHER MATTER RELATED TO THE SITE. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE LIMITATIONS ABOVE MAY NOT APPLY TO YOU. Third Party Sites As a convenience to you, Wilton Re may provide, on this Site, links to sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk, subject to that site’s terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. Wilton Re makes no warranty or representation regarding, and does not endorse, any linked sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Wilton Re or this Site sponsors, endorses, is affiliated or associated with, or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Wilton Re. External Links to the Site All links to the Site must be approved in writing by Wilton Re, except that Wilton Re consents to links in which: (i) the link is a text-only link containing only the name “Wilton Re”, (ii) the link “points” only to www.wiltonre.bm and not to deeper pages: (iii) the link, when activated by a user, displays that page full-screen in a fully operable and navigable browser window and not within a “frame” on the linked website; and (iv) the appearance, position, and other aspects of the link may neither create the false appearance that an entity or its activities or products are associated with or sponsored by Wilton Re nor be such as to damage or dilute the goodwill associated with the name and service marks/trademarks of Wilton Re. Wilton Re reserves the right to revoke this consent to link at any time in its sole discretion. Viruses Wilton Re is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not Wilton Re, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses. No Sensitive / Confidential / Proprietary Information You agree not to submit any sensitive information about yourself or any other person via the Site. We define “sensitive information” as information that might include a Social Security Number, account numbers, or medical information about you or any other person. You agree not to submit any confidential or proprietary information to Wilton Re via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to Wilton Re via the Site will not be considered confidential or proprietary. By providing any such information or materials to Wilton Re via the Site, you grant to Wilton Re an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, transmit, distribute and sub-license to others such information and materials, and you further agree that Wilton Re may use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to Wilton Re. You further agree not to provide any information or materials to Wilton Re that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another. Privacy Policy You agree to review the privacy policy posted on this Site. General Terms Wilton Re reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms will be effective when posted. Your continued use of the Site and the Materials after any changes to these Terms are posted will be considered acceptance of the changes. Wilton Re may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. Wilton Re may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. Wilton Re may terminate the authorization, rights and license given above. These Terms constitute the entire agreement between Wilton Re and you in connection with your use of this Site. Any cause of action you may have with respect to your use of this Site, the Services or the Materials must be commenced within one (1) year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms, and the remainder of the Terms shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms will survive. Governing Law; Jurisdiction; Venue; These Terms and Conditions of Use shall be governed by the laws of the Bermuda, without giving effect to any conflict of laws provisions. The sole venue for legal proceedings hereunder shall be Bermuda. Requirement of Written Agreement The purchase or sale of insurance between Wilton Re, its carrier partners and their customers are governed by separate written policies or contracts. The terms of these policies or contracts are binding on the parties. No other representation, whether made in person, online, electronically (including, but not limited to, representations on this Site), in writing, or by graphic or verbal communication may alter the terms of those policies or contracts. Legal Notice All content available on this Site is solely directed to individuals 18 years of age or older The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer’s specific circumstances. ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS SITE SHOULD BE EVALUATED IN CONSULTATION WITH A LEGAL, ACCOUNTING, TAX, INVESTMENT OR OTHER FINANCIAL SPECIALIST. THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY COUNTRY OR JURISDICTION WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY WILTON RE TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW. The products and services described on this Site: are available only to consumers in the United States of America unless otherwise specifically noted; may not be available in all states of the USA; and are subject to all applicable laws and regulations. THE FINANCIAL OBLIGATIONS OF INDIVIDUAL PRODUCTS OR POLICIES ARE THE SOLE RESPONSIBILITY OF THE UNDERWRITING COMPANY. WILTON RE AND ANY AFFILIATES OF THE UNDERWRITING COMPANY ARE NOT LEGALLY RESPONSIBLE FOR PRODUCT/POLICY OBLIGATIONS. The information contained on this Site is inherently limited in scope and may change without notice. The information also does not contain all of the applicable terms, conditions, limitations or exclusions of the products or services described. Contacting us – If you have any questions about these Terms, please contact us at 441-295-1638. Last Updated: February 21, 2014. 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