Terms of Use

Please read these terms and conditions (the "Terms of Use") carefully as they apply to your access and/or use of this Site. By accessing this Site and any pages thereof, you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use this Site. These Terms of Use are subject to change at any time.

This Site is owned and operated by Zurich Insurance Company (the "Company"), a company incorporated in Switzerland. Swiss law governs this Site and these Terms of Use.

THE MATERIAL AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE DISCLAIMED. NO REPRESENTATION OR WARRANTY IS MADE REGARDING CONTENT, FUNCTIONALITY, LINKS, OR COMMUNICATIONS, INCLUDING NO REPRESENTATION OR WARRANTY AS TO DEFECTS OR ERRORS OR CORRECTION OF THE SAME, COMMUNICATION INTERRUPTIONS OR INTERCEPTION OR LOSS OF DATA, OR THE ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

In no event shall the Company, nor any of its subsidiaries or affiliates, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use, this Site or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through this Site or any website linked to or linking into this Site.

It is the responsibility of the user of this Site to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided in this Site is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of this Site should consult their professional advisors with respect to their personal circumstances.

Except as indicated otherwise, all information, text, graphic images, features or functions, and layout (including the "feel and look") contained in this Site are the exclusive property of the Company and may not be copied or distributed, in whole or in part, without the Company's express written consent, except as indicated otherwise.

However, you may download or print any pages from this Site for personal, non-commercial use, provided you do not remove any copyright notices.

The links from this Site to other websites are provided for your information and convenience only.

The Company does not assume any responsibility or liability with respect to any websites linked from this Site (or any website linking into this Site), including their content and operation. The Company does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.

A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. The Company believes that the links it provides to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

The privacy and data protection policy applicable to this Site is "Your Privacy-Our Commitment", which is subject to these Terms of Use.

Except as provided by law and subject to our privacy and data protection policy (see section above), all submissions or transmissions made to or through this Site shall become the property of the Company. The Company reserves the right to use any material (e.g., any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.

The Company is not obligated to monitor any submissions or transmission to or through this Site or any website to which this Site links or that links into this Site. The Company, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and the Company.

When accessing or making use of any part of this Site, you may not:

	post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law;
	post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component;
	interfere with the functioning of this Site or restrict or inhibit any other user from using this Site;
	post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through this Site for commercial purposes without the prior written consent of the Company.

CAUTION:
ANY ATTEMPT BY ANY PERSON TO DAMAGE THIS SITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. THE COMPANY RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULL EXTENT OF THE LAW.

This Site and these Terms of Use shall be construed, enforced and performed in accordance with the substantive laws of Switzerland without reference to principles of conflicts of laws. The place of jurisdiction is Zurich (City).

The Company makes no representation that any information, materials or functions included are appropriate for use in any other jurisdiction. The Site is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of the Site and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use this Site. By accessing or using this Site you do so on your own initiative and are solely responsible for compliance with the applicable local laws and regulations.

Updates and modifications to these Terms of Use are subject to change at any time. Be sure to check these Terms of Use each time you access and/or use this Site.

Last updated: August 15, 2001