Terms and Conditions


Europa Re grants users online access to www.europa-re.com (The Website) via the internet. By utilizing The Website, a user accepts these terms and conditions of use.

SECTION 1 – Access to The Website
1.1 Europa Re offers access to The Website and its various contents only within the framework of its operational availability. The user accepts that there may be disruption to and interruptions in the provision of the services due to enhancement and maintenance work or other type of work on the website.
1.2 Europa Re shall have the right to exclude the user from further use of The Website for material reasons.

SECTION 2 – Rights of Use
2.1 All intellectual property rights (e.g. copyrights, trademarks and database rights) in connection with The Website shall belong to Europa Re. Other than expressly stated in these terms and conditions, the user shall not have any rights in connection with The Website and its content.

SECTION 3 – Warranty and Liability
3.1 The user acknowledges that Europa Re makes no representation or warranty of any kind, either express or implied, with respect to The Website or the information provided therein, including, without limitation, representations and warranties relating to originality, accuracy, completeness, reliability, merchantability, fitness for a particular purpose or warranties related to possible violations of intellectual property rights of third parties.

3.2 Accordingly, all warranty and liability claims by the User against Europa Re arising out of or in connection with the user’s use The Website or the content provided therein shall be excluded to the extent permissible by law. Liability shall be excluded in particular (but without limitation) for loss or damage suffered by the user in the event of negligence (but not gross negligence and willful misconduct), with regard to the involvement of auxiliary parties, where Europa Re merely provides access to or stores third-party content for its users, for prohibited acts on the part of third parties (hacker attacks or computer viruses) and for software or other errors or interruptions of The Website.

SECTION 4 – Data Protection and Data Security
4.1 Europa Re shall adhere to the data-protection and data-security laws and regulations governing at its place of domicile.

4.2 In order to make possible the technical operation and use of The Website, Europa Re collects, processes and uses users’ personal data only through the contact form. Personal data which the user provides to Europa Re in the course of using The Website will be collected, stored, processed and can be used to contact the user.

4.3 When users visit The Website, anonymized data on their use of the website (such as date, time of day, pages examined, navigation, software used, and the like) will be recorded by an external service provider commissioned by Europa Re. The data are anonymized prior to being stored by the service provider. Cookies are used to retrace usage behavior in anonymized form. These anonymized usage data will be collected, processed and used only in order to design the website to meet the needs of its users. Cookies are also used for technical reasons, but not to collect any personal information about the user.

4.4 The user acknowledges and agrees that Europa Re may transfer user data abroad for storage purposes and that Europa Re may use third party providers for such purposes.

4.5 The user is aware of the risks involved in transmitting unencrypted content through the internet. Europa Re may at its own discretion introduce appropriate encryption mechanisms and procedures, the use of which may then be a prerequisite for accessing The Website.

4.6 The user shall ensure that up-to-date protection measures against viruses (virus protection programs, firewall, etc.) are in place and active for all electronic communication via the user’s account.

SECTION 5 – General Provisions
5.1 The user shall not transfer any rights or obligations arising from these terms and conditions to a third party without the prior written consent of Europa Re.

5.2 Europa Re shall have the right to amend these terms and conditions of use unilaterally as it deems appropriate.

5.3 Should one or more provisions of these terms and conditions of use be deemed legally invalid, this defect shall not impair the validity of the remaining provisions. Each invalid provision shall be replaced by a valid provision that approximates as closely as possible the intended purpose of the invalid provision.

5.4 The registered seat of Europa Re shall be the place of performance for the services provided by Europa Re in connection with the use of The Website. The exclusive jurisdiction for any disputes arising in connection with the use of The Website shall be Zug, Switzerland.

5.5 Both the legal relationship between the user and Europa Re and these terms and conditions shall be exclusively governed by and construed in accordance with substantive Swiss law (rules of international private law excluded).

Europa Reinsurance Facility Ltd., Zug, Switzerland