Terms and Conditions

Preamble

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 connection data server logs and the contact form. The connection data is also required to enable the use of our content (connection set-up) and is also used for system-related purposes, including technical administration and system security. The Personal data which the user provides to Europa Re in the course of using The Website will be collected, stored, processed in line with the applicable data protection requirements and can be used to contact the user.

4.3 When users visit The Website, to improve their experience we use ‘Cookies’. A cookie is a small standard industry text file, used as a tool to remember the user preferences. Cookies are also used for technical reasons, but not to collect any personal information about the user. The user may refuse the use of cookies by selecting the appropriate setting in the browser.
The Website uses Google Analytics, a service that transmits the traffic data to Google servers without identifying individual users and without associating the data collected with other data stored by Google. Europa Re use the reports provided by Google Analytics to analyse The Website traffic and usage.

4.4 The user acknowledges and agrees that Europa Re may transfer user data abroad to jurisdictions guaranteeing adequate data protection 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.

4.7 We will share information with third parties who perform services on our behalf. We may share the personal information with trusted third parties. These include companies who serve as our vendors and help us deliver products or services to the user.
We will share information if we think we have to in order to comply with the law or to protect you or ourselves. We will share information to respond to a court order or subpoena. We may share information if a government agency or investigatory body requests it. We may share information if we are investigating potential fraud.
We may share information with a successor to all or part of our business, as permitted by law. If part of our business is sold, we may include customer information as part of that transaction. Where legally required, we will give you prior notice and if you have the legal right to do so, allow you to object.

4.8 Our Do Not Track Policy. Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. Options you select are browser and device specific.

4.9 We will not sell, rent, distribute or otherwise make your contact or other data commercially available to any third party, except with your prior written consent.

4.10 We may update this Privacy Policy. From time to time we may change our privacy policies. When we do, we will notify the user of any material changes as required by law. We will also post an updated copy here.

4.11 The user can contact us under the following e-mail address: info@europa-re.com to ask questions about what type of personal data about him/her has been collected online and stored with Europa Re or to request to rectify, to restrict our processing or to request the erasure of his/her personal data collected on The Website and stored by Europa Re.

4.12 All incoming and outgoing e-mail messages are automatically stored in the Europa Re servers. The e-mails are protected by legal, technical and organisational measures and are processed according to applicable data protection and privacy laws. They may only be accessed in justified cases in accordance with applicable laws and regulations (e.g. court order, suspicion of criminal conduct, breach of regulatory obligations, material breach of employment contract). If you do not wish the retention of private e-mails by Europa Re, we strongly advise you not to send private, non-business related e-mails to Europa Re e-mail accounts.

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 Re Ltd., Zug, Switzerland