Legal Disclaimer

Questions, concerns or comments regarding the following should be addressed to:

QBE Holdings, Inc.
VP General Counsel - QBE Specialty
Wall Street Plaza
88 Pine Street
New York, NY 10005

Conditions of Use
By your use of this site, you agree at all times to abide by these terms of use and any amendments to these terms. Please read the terms of use carefully. QBE Holdings, Inc. and its affiliates  (hereinafter "QBE" or sometimes "us" or "we") reserves the right at its discretion, to modify these terms at any time. In addition, when using this site or a service of this site, you will be subject to all posted guidelines, rules or policies for the service. Those guidelines, rules and policies, whether now existing or adopted in the future, form a part of these terms of use.

Intellectual Property
QBE maintains this site as a service to the Internet community. The site and information contained within are the property of QBE and protected by copyright, trademark and other intellectual proprietary rights. Other product and company names mentioned herein might be the trademarks or service marks of their respective owners.

This site may be viewed and its contents downloaded by you for your own personal non-commercial use or your company's internal use.

QBE respects the intellectual property of others, and we ask our users and visitors to do the same. QBE may, in appropriate circumstances and at its discretion, terminate access to a user or visitor who infringes the intellectual property rights of others. If you believe that your work has been copied and is accessible on the QBE site in a way that constitutes copyright infringement, please notify QBE.

This site has been established for the benefit of QBE, its agents, customers and other visitors.

We will use reasonable efforts to include accurate and up-to-date information, but we make no warranties or representations as to the accuracy, timeliness or completeness of the information provided. We shall not be liable for damages of any kind arising out of your access or inability to access our site, your reliance upon the information contained on this site, or for the loss of any data or information that you provide to us. The products and service descriptions included are for the sole purpose of providing a general reference tool concerning the nature and type of products and services available from the QBE companies. All coverages are subject to conditions, coverage limits, limits of liability, limitations and exclusions as contained in the relevant policy or contract. See the relevant policy or contract itself for an exact description of the coverage provided. If you are interested in a particular product or service, please contact QBE, or any of our agents.

Hypertext Links
This web site contains links to other web sites. These sites are under the control of third parties. QBE does not assume any responsibility for the accuracy, quality, or timeliness of those sites. Nor is our connection to those sites an endorsement of the views expressed or of the products or services sold on those sites. QBE will not be liable for the consequences of the use of this site or of any hyperlinked site.

For information on QBE's privacy policy, please click here.

We cannot provide any assurance of privacy over a network that is not a secure network or over a network that we do not control. The Internet is not a secure network and, aside from our own servers, not within our control. We are not responsible for the security or confidentiality of communications you send to us through the Internet using the e-mail process.

We have put in place safeguards to secure the information we collect on-line, prevent unauthorized access and disclosure, maintain data accuracy, and ensure the appropriate use of information. Our servers use encryption technology to protect the transfer of data from unauthorized parties. E-mail messages are not secure or encrypted, and are subject to viewing, alteration, and copying by potentially anyone on the Internet.

Warranties/Limitation of Liability
QBE does not warrant or guarantee the quality, accuracy, completeness or timeliness of information provided on this web site. Under no circumstances will QBE be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on the information provided on this site.

QBE disclaims all warranties with respect to this site or your use thereof, express, implied, or otherwise, including without limitation, all warranties of merchantability for a particular purpose. In addition, QBE will not be liable for any damages resulting from use or misuse of this site or the information on this site.

The information on this site may be changed without notice.

The provisions of this Disclaimer are intended as guidelines and are not meant to be exhaustive. Generally, conduct that violates law, regulation, or the accepted norms of the Internet community, whether expressly mentioned in this Disclaimer, is prohibited. QBE reserves the right to prohibit activities that damage its commercial reputation and goodwill or the commercial reputation and goodwill of its vendors and customers. We may take whatever action we deem appropriate, including (among other things) investigating allegations of improper activities, making reports to law enforcement authorities or terminating service to you if we believe that there has been a violation of this Disclaimer.

Choice of Law and Jurisdiction
These terms of use will be governed by and construed in accordance with the laws of the State of New York. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the courts located in the State of New York and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any of these terms shall be determined to be unlawful, void, or for any reason unenforceable, then such terms shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

User ID/Password Use
If you have been assigned a user ID for access to restricted sections of this site, you are responsible for all activities executed under your user ID. You are the only person who may use your user ID. Please select a secure password and keep it confidential. Allowing another person to use your user ID or using a user ID that does not belong to you is prohibited.