By using this site, you agree at all times during your use of this site to abide by these terms of use and any additions or amendments to these terms. Please read the terms of use carefully. Gen Re reserves the right in its sole and absolute discretion, to change, modify, add, or remove portions of these terms at any time. In addition, when using this site or a service of this site, you will be subject to any posted guidelines, rules or policies for the service. Those guidelines, rules and policies, whether now existing or adopted in the future, are incorporated by reference into these terms of use. PROPRIETARY RIGHTS FacWorld, powered by General Reinsurance AG ("GRAG") and General Re Corporation (collectively referred to as "General Re," "Gen Re," "us," or "we"), maintain this Internet site as a service to the Internet community. The design of this site, and information contained within are the property of Gen Re and protected by copyright, trademark and other intellectual property and proprietary rights. The selection, arrangement and design of the entire contents of this Internet site, as well as the original contents herein, are the property of Gen Re. FacWorld™, Putting Our Expertise Online®, General Re®, the light icon, Gen Re™, ReBox™, and the names of other Gen Re companies and services referenced herein are either service marks or registered service marks of General Re Corporation. 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 use as an employee of a Client Company or for your Company. You must keep intact all copyright and other proprietary notices. The site and its contents may not be displayed, modified, transmitted, reproduced, copied, licensed, sold, broadcast, published, re-published or distributed in whole or in part in any manner without the prior written consent of the Gen Re. COPYRIGHT COMPLAINTS Gen Re respects the intellectual property of others, and we ask our users and visitors to do the same. Gen Re 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 FacWorld site in a way that constitutes copyright infringement, please notify FacWorld by providing its Copyright Agent with the following information: 1) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; 2) A description of the copyrighted work that you claim has been infringed; 3) A description of where the material that you claim is infringing is located on the FacWorld site; 4) Your address, telephone number, and email address; 5) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and 6) A statement by you made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. FacWorld's Copyright Agent for Notice of claims of copyright infringement on this site is: Christopher R. Bello By Mail: FacWorld General Reinsurance Corporation 400 Atlantic Street, 9th Floor Stamford, CT 06901 By Phone: 203-328-6002 DISCLAIMER This site has been established for the benefit of Gen Re, FacWorld and for our clients. FacWorld registered users will be employees of Companies, including clients of Gen Re, and will have been given the opportunity to complete a "MyFacWorld Profile" (hereinafter "the registered users"). These registered users may have the ability to submit risks to Gen Re and to certain other parties when the risks are also submitted to Gen Re. Gen Re has the ability to respond with "quotes" to such submissions, and registered users, who have created a profile and have agreed to all the terms and conditions of use, have the ability to accept such quotes to bind facultative reinsurance coverage. As a FacWorld visitor or a registered user, you agree to not misrepresent yourself or to spoof any person or entity in your communication with FacWorld and in your use of the profile and submissions features. The registration, submission and quote forms are currently available in English. If you are wish to become a registered user, you may use the forms as they currently exist, or you can contact your Gen Re Underwriter by telephone, facsimile or Email to register and to submit a risk, or for transactions in another language. FacWorld will use reasonable efforts to respond to submissions from registered users of Gen Re within one business day, but may take longer due to circumstances beyond its control. FacWorld does not undertake to respond to any submissions or requests from visitors who are not registered users of FacWorld or clients of Gen Re, or from certain countries with whom trade is prohibited under the laws of the United States, Germany or other European Union countries. We will not accept submissions from potential insureds, insurance brokers or agents, or insurance or reinsurance intermediaries. There is no promise or undertaking by FacWorld or by Gen Re that it will quote a risk or reinsure any risk submitted through FacWorld. By using FacWorld, you acknowledge that it has been provided for the convenience of Gen Re. Gen Re reserves the right to refuse to underwrite or refuse to reinsure any risk submitted through FacWorld. At the same time risks are submitted to FacWorld, FacWorld may (but is not obligated to) enable users to submit these risks to e-mail addresses other than those within the FacWorld domain, but FACWORLD EXPLICITLY DISCLAIMS RESPONSIBILITY FOR ANY FAILURE OF THE TRANSMISSION TO REACH ITS INTENDED RECIPIENT OR FROM ANY RESULT OF SUCH FAILURE. FacWorld also notifies users that it may not inform the registered user of the results of the attempted transmission or failure thereof. FacWorld may discontinue this feature in its sole and absolute discretion. Registered FacWorld users may have the ability to view and reconcile their billing accounts online through the Facultative Billing application, including the capability of an online agreement to pay confirmed amounts, and to model their insurance structures using the ReBox™ tool. These applications are currently available in English only. FACWORLD DISCLAIMS THE ACCURACY AND COMPLETENESS OF THE FACULTATIVE BILLING STATEMENTS AND THE REBOX™ MODELING TOOL. WE WILL USE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION, BUT MAKE NO WARRANTIES OR REPRESENTATIONS AS TO ITS ACCURACY, RELIABILITY AND COMPLETENESS OF THE INFORMATION PROVIDED HERE BY GENRE OR FACWORLD. WE SHALL NOT BE LIABLE FOR DAMAGES OF ANY KIND ARISING OUT OF YOUR ACCESS, OR INABILITY TO ACCESS FACWORLD OR OTHER SITES OWNED OR CONTROLLED BY GENRE OR YOUR RELIANCE ON THE INFORMATION ON FACWORLD OR FOR THE LOSS, CORRUPTION, OR MISDIRECTION OF ANY DATA OR INFORMATION THAT YOU PROVIDE TO US. The products and services descriptions included are for the sole purpose of providing a general reference tool concerning the nature and type of products and services available from FacWorld and the Gen Re group of companies. The descriptions are not intended to be relied upon by users or by potential users. The descriptions of policy and contract provisions in this web site provide a broad overview of coverages only. All coverages are subject to conditions, coverage limits, limits of liability, limitations and exclusions as contained in the policy or contract. See the policy or contract itself for an exact description of the coverage provided and if you are interested in a particular product or service, please contact your Gen Re account executive. We have designed the site to work best with IE8. Certain sections of the site may not be viewable with older model browsers. WE ALSO DISCLAIM ALL LIABILITY FOR ANY COMPUTER VIRUSES OR OTHER DISABLING COMPUTER CODE THAT MAY BE LOADED INTO YOUR COMPUTERS WHEN YOU DOWNLOAD DOCUMENTS FROM THIS WEB SITE. FACWORLD PROVIDES ACCESS TO TOOLS, INCLUDING DOWNLOADABLE TOOLS, BUT DOES NOT GUARANTEE THEIR SUITABILITY FOR ANY TASK, THEIR ACCURACY, RELIABILITY OR USEFULNESS, OR THEIR FUNCTIONALITY TO WORK ON THE USER'S COMPUTER. Users of this site are advised to obtain and use appropriate anti-virus and security software. The access provided to the tools does not include any proprietary rights in the tools. The rights to any such tools shall at all times be retained by Gen Re or its licensors. ALTHOUGH GENRE WILL NOT KNOWINGLY INFRINGE THE RIGHTS OF THIRD PARTIES, IT MAKES NO REPRESENTATION OR WARRANTY THAT THE TOOLS PROVIDED DO NOT INFRINGE THE RIGHTS OF OTHERS. Clicking on certain links within FacWorld will let you leave FacWorld's site. The linked sites are not under the control of FacWorld and FacWorld is not responsible for the contents of any linked site or any link contained in a linked site. FacWorld is providing these links to you only as a convenience, and inclusion of any link does not imply endorsement by us of a linked site. FacWorld is under no obligation to maintain any link and may remove a link at any time in its sole discretion for any reason whatsoever. From time to time, FacWorld may, but is not obligated to, host a discussion forum on this site. FacWorld assumes no responsibility for information posted in connection with the discussion forum. FacWorld exercises little or no editorial control over the postings to this forum. If you submit material to FacWorld or post on the discussion forum, by doing so, you warrant that to the best of your knowledge and belief the information contained therein is truthful, does not violate the rights or property interests of others, and is not unlawful, threatening, defamatory, vulgar, obscene or otherwise objectionable. You will not use the forum for solicitation, advertisement or promotion of any business or activity that is inconsistent with the purposes of FacWorld or for any illegal or unlawful purpose, or that will hurt the reputation of FacWorld or Gen Re. You declare that we may use and reproduce the material submitted or posted for any purpose and grant us a non-exclusive, perpetual royalty-free, worldwide license to such material. As a condition of submitting or posting materials, you agree to waive any "moral rights" (droit moral) or other rights of authorship which may accrue or have accrued to you under any laws of any jurisdiction. We reserve the right to investigate complaints that visitors may make about the content on the site or the discussion forum. We reserve the right to remove any content from the site, in our sole and absolute discretion at any time, and to terminate the privilege of any visitor to post on the forum or to participate in other FacWorld services if they misuse the posting privilege or violate other terms of use. By continuing to access this web site, and by submitting material to us, you agree that you shall have no recourse against FacWorld or Gen Re for any alleged or actual infringement or misappropriation of any proprietary rights in your communication to us. By submitting or posting material to FacWorld you acknowledge that other persons including our employees may have submitted to us, to others, or made public or may hereafter originate, submit, or make public similar or identical material that we may have the right to use. By submitting material, you hereby confirm your understanding that you will not be entitled to any compensation or other remuneration because of our use of such other similar or identical material. You hereby acknowledge that no fiduciary or confidential relationship exists between you and us, either now or by reason of your submitting any information to us, unless we have made a separate written agreement to the contrary. This agreement does not create a confidential relationship between you and us. We shall have no liability whatsoever for the results of your postings and submissions to this site or by means of this site. We reserve the right to change the products and services referred to in FacWorld, to discontinue this site and to change this legal statement and the terms and conditions of use at any time. PRIVACY General Re Corporation ("Gen Re", "us" or "we") understands that visitors to our website are concerned about the privacy of information. We have established policies and procedures concerning the collection, use and security of personal information that will help protect the privacy of our website users. Our information privacy standards are designed to help us serve our users while maintaining our own strict security standards, and are intended to comply with the applicable privacy and data protection laws where we do business. We want you to understand how and why we collect, use and disclose personal information about you on our website ("website"). This Website Privacy Policy ("Policy") provides you with information concerning our practices and procedures as they relate specifically to information we collect on this website. If you have additional questions or would like further information on this topic, please feel free to contact Andrew Gifford We may update this Policy from time to time, so please check periodically for changes. Information We Collect and Use at this Website We understand that web users are concerned about the privacy of information. We have established policies and procedures concerning the collection, use and security of personal information that will help protect the privacy of our website users. Our information privacy standards are designed to help us serve our users while maintaining our own strict security standards, and are intended to comply with the applicable privacy and data protection laws where we do business. We will collect personal information from visitors, including their names and addresses, from forms that the visitors voluntarily submit and based on their usage of this site. This information is collected in order to enable Gen Re to better identify and serve its users and to respond better to their needs. We also collect risk submission details in order to respond to registered users and potential users. We also collect and store certain information in order to answer your emails, respond to your submissions, bind your coverage and to measure your interest in the various sections of this site and our Extranets. On the Extranets, we also collect loss reporting information and may also collect accounting data and rate making data. We will not intentionally disclose the details about web visitors or any of their business information to anybody outside Gen Re and its subsidiaries and affiliates without the visitor's express permission, unless disclosure is required by law, or is in compliance with legal process, or is necessary to protect our rights or our business reputation, or to act in an emergency situation to protect personal safety or to prevent harm to persons or property. If a website visitor creates a personal profile, we will undertake to store the visitor's submissions in order to provide the visitor the ability to retrieve the submissions, but we do not assure that this data will be available. We also reserve the right to change, withdraw or terminate the functionality that enables access to past and pending submissions. If we do receive your personal information, we will only use it for the purposes described where it is collected or otherwise described in this Policy, and we will not sell, license, transmit or disclose this information outside of Gen Re unless (1) you expressly authorize us to do so; (2) it is necessary to allow our service providers or agents to provide services for us, (3) it is necessary in order to provide our products or services to you (and contacting you when necessary), (4) subject to applicable contractual or legal restrictions, it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements, (5) subject to applicable contractual or legal restrictions, it is necessary in connection with a sale of all or substantially all of the assets of Gen Re or the merger of Gen Re into another entity or any consolidation, share exchange, combination, reorganization, or like transaction in which Gen Re is not the survivor, (6) it is necessary in connection with other business purposes including, without limitation, customer care, service quality, business management and operation, risk assessment, security, fraud and crime prevention/detection, monitoring, research and analysis, marketing, customer purchasing preferences and trends, dispute resolution, credit checking and debt collection, or (7) otherwise as we are required or permitted by law. Children We are committed to preserving online privacy for all of the visitors to our website, including children. Our website is a general audience website, and we do not knowingly collect information about children or provide services to children. Consistent with the Children's Online Privacy Protection Act, we will not knowingly collect any information from children under the age of 13. The website is not designed to attract anyone under the age of 18. We appreciate your questions and comments about our website and services, and welcome your email messages to mailboxes listed on our website. We will share your messages with those within our organization that are most capable of addressing the issues contained in your message. We will keep a copy of your message until we have had an opportunity to address your concerns. We may archive your message for a certain period of time or discard it. Monitoring Confidentiality and Security We restrict access to personal information collected about you at our website to our employees, our affiliates' employees, or others who need to know that information to provide services to you or in the course of conducting our normal business operations. We maintain appropriate physical, electronic, and procedural safeguards to protect personal information. We protect our databases with various physical, technical and procedural measures, and we restrict access to your information by unauthorized persons. We also advise all General Re employees about their responsibility to protect customer data, and we provide them with appropriate guidelines for adhering to our company's business ethics standards and confidentiality policies.
Links to Other Sites For your convenience, we may provide links to other websites and web pages that we do not control. We cannot be responsible for the privacy practices of any websites or pages not under our control, and we do not endorse any of these websites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages. Connecticut Privacy Protection Notice General Re will take reasonable measures to protect the confidentiality of Social Security numbers and limit access to those with a need for such information. General Re prohibits the unlawful disclosure of Social Security numbers. Changes to Our Website Privacy Policy We may change this Policy at any time and from time to time. The most recent version of the Policy is reflected by the version date located at the bottom of this Policy. This Policy is not intended to and does not create any contractual or other legal right in or on behalf of any party.
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