Last Modified August 5, 2024

Welcome to InsuranceAUM.com (the “Website” or “Site”). By entering www.insuranceaum.com, you acknowledge your agreement to and understanding of the Terms of this User Agreement. You should read these Terms very carefully as they form a legally binding Agreement for the use of the Website applicable to you.

 

As part of these Terms, you also agree to our Privacy Policy, which includes our Cookie Policy and covers how we collect, use, share, and store your Personal Information in connection with the use of the Site.

 

Who May Use This Website?

 

The Content of this Website is designed only for use by Institutional Investors and their professional Service Providers. If you are not a professional person working in institutional investment or a related field you must not register or gain access to the Website and its Content.

 

Registration and User Profile

 

Your registration as a Member of InsuranceAUM.com allows you to access all areas of the Website. You must use your real name when completing your User Profile. You agree not to access the Website under a false identity, pseudonym, or false pretext.

 

When you register to use the site, you warrant to us that the registration and user profile information you provide is accurate, complete, current, and in no way misleading. You agree to maintain and promptly update your user profile to keep it true, accurate, current, and complete. You agree to use the profile fields as intended (e.g., you will not enter a telephone number in the “company name” field).

 

No Investment Recommendations or Professional Advice

 

The Website exists solely as a platform for investment professionals to connect and share knowledge and opinions. InsuranceAUM.com is not a registered financial advisor or broker/dealer. We are not regulated by any financial regulatory body.

 

The Website should be used for informational purposes only and its Content does not constitute tax, legal, insurance, or investment advice. If you make investment decisions or other decisions in reliance on information you receive in connection with the Website, you do so at your own risk and InsuranceAUM.com, its employees, directors, or agents will not be liable for any losses that you may sustain.

 

Posting of User Content

 

InsuranceAUM.com is a professional knowledge network and published Content is expected to meet the very highest standards of insight and professionalism. Any “article” or “paper” submitted must be objective, balanced, and educational. Content which fails to meet the required standards or follow guidelines may be deleted and the author’s user privileges may be revoked.

 

You agree only to publish an “article” or “paper” if you have genuine experience and insight on a given subject. You agree to check that the format, presentation, grammar, and spelling are of acceptable quality.

 

You agree not to publish an “article” or “paper” which explicitly promotes a company or its products/services. The services provided by a company may be described in the Company Directory. Any “article” or “paper” which explicitly promotes a company or its products will be removed and user privileges may be revoked.

 

You undertake to maintain the highest levels of professional integrity and to ensure that all data and Content you publish is true, clear, accurate, and not misleading or unethical.

 

Monitoring of Content

 

Each individual who publishes Content on the site is solely responsible for their own Content. This means that each Member, not us, is entirely responsible for everything they post on the site. We do not pre-screen or endorse any Content posted on the Site, and cannot and do not guarantee the accuracy, integrity, or quality of any Content that may appear.

 

You acknowledge that we have the right in our sole discretion and without further notice to you, to monitor, censor, edit, move, or delete any and all Content posted on the Site or any Content transmitted from your InsuranceAUM.com user account at any time and for any reason.

 

Inappropriate Content and Feedback

 

We encourage our Members to alert us to any Content which does not meet expected standards of quality or decency.

 

When we become aware of such Content, we may respond by removing the Content from the Website or revoking the publishing privileges of the user in question. A decision to remove or not to remove any Content is neither an assumption of liability for any inappropriate Content nor an endorsement of Content. Nor should our decision to remove Content from the Website be regarded as indicating our view that it is inappropriate Content.

 

By using the Site, you understand and accept that some individuals may post comments that may be offensive, indecent, objectionable, false, misleading, or otherwise inappropriate.

 

Intellectual Property Rights

 

You acknowledge and agree that the Website and any necessary software used in connection with the Site contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content submitted by other users is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. You acknowledge that you do not acquire any ownership rights by using the Site.

 

Our Intellectual Property Rights

 

The Website includes our copyrights and Intellectual property rights and except for your rights to use the Site within the Terms of this Agreement, we reserve all of our intellectual property rights in the Site. Our logos, trademarks, service marks, graphics, and logos used in connection with the Site may be trademarks or registered trademarks in the U.K, U.S. and/or other countries. Other trademarks and logos used in connection with the Website may be the trademarks of their respective owners. This Agreement does not grant you any right or license with respect to any such trademarks and logos. We reserve all rights not expressly granted in and to the Site.

 

Intellectual Property Rights of Others

 

The Website contains and displays Content, which without limitation may include papers, articles, documents, databases, messages, personal and company profiles, videos, audios, and other information. Such Content, as well as all copyrights, designs, logos, trademarks, and other Intellectual Property Rights posted or displayed by Members are the property of InsuranceAUM.com or the party displaying or publishing it.

 

You may access and use the Content, and download and/or print out copies of any Content from the Site, solely for your personal, non-commercial use. If you download or print a copy of the Content for personal use, you must retain all copyright and other proprietary notices contained therein. You may not modify, reproduce, publish, or display Content owned by other Members without their prior written consent, except to the extent necessary for you to display, use, and navigate the Website.

 

User Conduct

 

In your use of the Site, you agree to comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, and regulatory requirements.

 

You agree not to express or imply that any statements you make are endorsed by us, without our prior written consent; or to infringe the InsuranceAUM.com brand, logo, or trademarks.

 

You promise not to harvest, collect, or share information about visitors to the Site without their express consent; or to send unsolicited or unauthorized advertisements or spam to other users of the Site.

 

You agree not to copy Content from the Website with a view to creating or compiling any form of comprehensive collection, compilation, directory, or database in order to provide a commercial service that, in our sole discretion, competes with us. You agree not to modify, rent, lease, loan, sell, distribute or create derivative works based in whole or in part on the Content of the Site.

 

You agree not to use a robot, spider, or other manual or automatic software to download, retrieve, index, "data mine", "scrape", "harvest" or in any way reproduce the web pages or data contained in the Website.

 

You agree not to upload, transmit, or disseminate through the website any computer virus, worm, or other code, file, or program that interrupts, destroys, or limits the functionality of any computer software or infrastructure of InsuranceAUM.com or that of any user of the Site.

 

You agree not to access InsuranceAUM.com by any means other than through the normal interfaces provided by navigating to http://www.insuranceaum.com using a web browser or to attempt to access any part of the Website that you are not authorized to access.

 

Termination

 

We can each end this Agreement at any time.

 

Mutual rights of termination

 

You may cancel your registration and terminate this Agreement at any time and for any reason. We may also cancel your registration and terminate this Agreement for any reason or no reason, at any time, with or without notice. Termination of your InsuranceAUM.com account includes disabling your access to the Site and may also bar you from any future use of the Site.

 

Misuse of the Website

 

You understand that we may, without prior notice, restrict, suspend, or terminate the account of any Member who abuses or misuses their Site privileges. Reasons for such termination might include, without limitation, violations of this Agreement, creation of false profiles, or breaching our rules on posting of Content.

 

If we terminate your Account, we reserve the right to terminate without giving reasons. Any user terminated for misuse of the Website must not attempt to re-register using new credentials.

 

Privacy Policy and Cookie Policy

 

You agree that we can use, store, and share information about you as permitted in our Privacy Policy. You acknowledge, consent, and agree that we may access, preserve, and disclose your User Profile if we believe this is reasonably necessary to (a) comply with any applicable law, regulation, legal process, subpoena, or governmental or regulatory request, (b) enforce this Agreement, including investigation of potential violations of it, (c) detect, prevent, or otherwise address fraud, security, or technical issues, (d) respond to claims of a violation of the rights of third parties, whether or not the third party is a Member, individual, or government agency, (e) respond to user support requests, or (f) protect the rights, property, or safety of InsuranceAUM.com, its users, yourself, or the public.

 

General

Governing law and jurisdiction

 

Regardless of your country of origin or where you access the Website, the Terms shall be governed by and interpreted in accordance with Texas Law. You and we both agree that disputes arising in connection with the Terms shall be subject to the exclusive jurisdiction of the courts of Texas. Notwithstanding the above, you agree that we shall still be entitled to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

 

Severability

 

If any provision of this Agreement is found by any court or competent authority to be invalid, unlawful, or unenforceable, the unenforceable provision will be modified so as to render it enforceable and effective to the maximum extent possible in order to effect the intention of the provision. If a court or competent authority finds the modified provision invalid, unlawful, or unenforceable, the unenforceable term, condition, or provision will to that extent be severed. The remaining terms, conditions, and provisions will continue to be valid and enforceable to the fullest extent permitted by law.

 

Assignment

 

Neither party may assign or transfer any of its rights or under these Terms without the prior written consent of the other. We may assign or transfer our rights subject to our obligations under these Terms in connection with a reorganization or sale of our business in connection with which the Website is operated or to any company for our convenience. No term in these Terms is enforceable under the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.

 

Entire agreement

 

You agree that this Agreement constitutes the entire, complete, and exclusive agreement between you and InsuranceAUM.com regarding the Site and Content and supersedes all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy, or precedent, with respect to the subject matter of this Agreement.

 

No Waiver

 

In the event that any party to these Terms fails to exercise any right or remedy either under these Terms or any applicable law, this shall not be construed as a waiver of that right or remedy.