This web site (“Site”) is provided by American Overseas Group Limited (“AOG”). By using this Site or accessing any information, content, data, or materials contained on this Site, you agree to abide by the following terms and conditions of use (“Terms of Use”).
AOG reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Terms of Use, including with respect to our use of any of your data that we may collect, in whole or in part, at any time. Changes in the Terms of Use will be effective when notice of such change is posted. Your continued use of the Site or of any materials on this Site after any changes to the Terms of Use are posted will be considered acceptance of those changes.
Informational Purposes Only
This Site is for informational purposes. You should not rely on any of the materials available on this Site for any purpose, including without limitation, as the basis for any financial or investment decision. Not all of the products or services described in this Site are available in all jurisdictions or to all potential customers or investors, and nothing herein is intended as an offer or solicitation in any jurisdiction or to any potential customer or investor where such offer or sale is not qualified or exempt from applicable regulation.
American Overseas Reinsurance Company Limited (“AORE”), a Barbados domiciled reinsurance company and a wholly-owned subsidiary of AOG, is licensed by the Barbados Financial Services Commission as an Exempt Insurance Company in accordance with the provisions of the Barbados Exempt Insurance Act (CAP 308A) to engage in Financial Guarantee Reinsurance and Property Casualty Reinsurance business from within Barbados. AORE is not admitted or authorized to engage in or transact any such business in any other jurisdiction through this Site or otherwise. Accordingly, AOG’s reinsurance business services are not available through this Site to users due to insurance regulatory restrictions.
AOG may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time. AOG may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability.
Disclaimer
YOU AGREE THAT ANY USE OF THE SITE IS AT YOUR SOLE RISK AND THAT THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ALL INFORMATION CONTAINED ON OR WHICH MAY BE TRANSMITTED THROUGH THIS SITE OR IN CONNECTION WITH AOG’s E-MAIL ALERTS IS PROVIDED WITHOUT GUARANTEES OF COMPLETENESS, ACCURACY OR TIMELINESS AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. AOG DOES NOT WARRANT THAT THIS SITE, ITS EMAIL ALERT SERVICES, OR ANY OTHER WEB SITES THAT MAY BE LINKED TO THROUGH THIS SITE, WILL BE UNINTERRUPTED, ERROR FREE, FREE OF VIRUSES, WORMS, TROJAN HORSES, DEFECTS OR OTHER HARMFUL COMPONENTS, COMPATIBLE WITH YOUR COMPUTER EQUIPMENT OR FIT FOR ANY PURPOSE.
TO THE FULLEST EXTENT PERMITTED BY LAW, AOG DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO: (A) ANY WARRANTY FOR CONTENT, INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SITE; (B) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, OR SERVICES OFFERED ON OR THROUGH THE SITE; (C) ANY WARRANTIES THAT THE SITE IS FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS; AND (D) ANY WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR WARRANTIES OF NON-INFRINGEMENT.
The information contained in this Site is not an offer or an invitation to invest in the shares of AOG, or purchase or sell any re-insurance contracts, products or services or otherwise deal in these or enter into a contract with AOG, AORE or any other company. The information provided should not be relied upon in connection with any investment decision. You should always seek appropriate professional advice in relation to such investment decisions.
Privacy Statement
As described herein, AOG operates this Site for the purpose of providing information concerning its reinsurance business. AOG is committed to respecting your privacy and that of the information you provide to us in connection with using this Site. By using this Site, you consent to the processing of personal information about you as described in this Privacy Statement for this Site.
The information that AOG collects consists of voluntarily submitted personal information. For example, if you choose to subscribe to AOG’s e-mail alert service, we will ask you to submit your email address to enable us to provide you with the requested services. Also, if you submit an information request through the Site, you will be required to provide us with personal information, such as your name, company name, e-mail address, physical address, fax number and demographic information (such as, city, state and country, or any other demographic information that you may submit) so that we can contact you and respond to your inquiry. The personal information we collect through the Site is collected and stored in a manner appropriate to the nature of your request, as determined by AOG to respond to your request.
All information you provide through the Site is used to provide and improve the services offered by AOG. This information may also be provided to or shared with affiliates of AOG. Except as provided herein, AOG will not share your personal information with any third party without your prior consent. AOG does not currently sell, trade or rent personal information to any third-party without your prior consent.
General
In the event that any provision of this Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable court decision, such unenforceability or invalidity shall not render the Terms of Use unenforceable or invalid as a whole. We will amend or replace such provision with one that is valid and enforceable and which achieves, to the extent possible, our original objectives and intent as reflected in the original provision.
Third-Party Sites
As a convenience to you, AOG may provide, on this Site, links to web sites operated by other entities. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. AOG makes no warranty or representation regarding, and does not endorse, any linked web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that AOG or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of AOG or any of its affiliates or subsidiaries.
Limitation of Liability
In no event shall AOG or AORE, or their officers, directors, shareholders, employees, agents, representatives or licensors be liable hereunder, under any theory of liability whatsoever (including, but not limited to, negligence and strict liability) for any direct, indirect, incidental, special, punitive or consequential damages or for loss of profits, revenue, programming, or otherwise (whether in an action in contract, tort, product liability, statute or otherwise (even if AOG has been advised of the possibility of such damages)) arising out of (a) your use of the Site or materials, including, but not limited to, any loss or damage caused by any reliance on, or any delays, inaccuracies, errors or omissions in, any materials accessed on or through the Site, (b) any transaction entered into through or from the Site, (c) your inability to use the Site or materials for whatever reason, including, but not limited to, communications failure or any other failure with transmission or delivery of any information accessed on or though the Site, (d) the deletion, correction, destruction, damage, loss or failure to store any materials, (e) the use of any products or services referred to or obtained on or through the Site, (f) unauthorized access to the Site and unauthorized alteration to your transmissions or data, (g) statements, information or conduct of any third party on the Site, or (h) any other matter relating to the Site or materials.
Because some jurisdictions do not allow the exclusion of certain warranties or limitation or exclusion of liability for incidental or consequential damages, in such jurisdictions our aggregate liability will be limited to the extent permitted by the laws of that jurisdiction. In no event shall the total liability of AOG to you for all loss or damage exceed $50.00.
Without limiting the foregoing, you agree that if you use third-party information, services or products offered on this site or a web site linked to or that is otherwise referred to on or through the site, such party is solely responsible for such information, services or products, and you hereby release AOG, AORE, and any of their officers, directors, shareholders, employees, agents, representatives and licensors, from any claims, demands and damages (including, but not limited to, direct, indirect, incidental, special, punitive or consequential damages) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such information, services or products, any transactions between you and such party and any disputes between you and such party.
Indemnity
You agree to indemnify and hold harmless AOG, AORE and any of their officers, directors, shareholders, employees, agents, representatives and licensors, from any claim, cost, expense, judgment or other loss relating to your use of this Site, including without limitation of the foregoing, any action you take which is in violation of the Terms of Use. Each such party indemnified hereunder shall have the right to enforce this indemnification on its own behalf.
Trademark and Copyright Information
AOG and AORE are service marks of AOG . This Site and its contents are protected by United States and international copyright laws.
Proprietary Rights
You acknowledge and agree that the Site and any materials contained on the Site, are owned by, licensed to, or otherwise used under permission by AOG or AORE and are subject to protection by U.S. and international intellectual property laws, including, but not limited to, any patent rights, copyrights, trade secrets, trade names, trademarks, service marks, moral rights, know-how and any other similar rights or intangible assets recognized under laws or international conventions in any country or jurisdiction in the world as intellectual creations to which rights of ownership accrue.
Limited License
Subject to the terms and conditions set forth in this Terms of Use, AOG grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials therein. You agree not to interrupt or attempt to interrupt the operation of the Site in any way.
AOG authorizes you to view and download the materials on this Site only for your personal, non-commercial use, except as otherwise expressly provided herein. This authorization is not a transfer of title in the materials and copies of the materials and is subject to the following restrictions: (1) you must retain, on all copies of the materials downloaded, all copyright and other proprietary notices contained in the materials; (2) you may not modify the materials in any way or prepare derivative works of the materials for any purpose; (3) you may not reproduce, publicly display, perform, distribute, or otherwise use the materials for any public or commercial purpose; and (4) you may not sell, distribute, or transfer the materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the materials. AOG does not grant any express or implied rights under any patents, trademarks, copyrights or trade secret information.
Information Provided by You
AOG does not want you to, and you should not, send any confidential or proprietary information to AOG via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to AOG, other than personal information discussed above under “Privacy Statement”, will not be considered confidential or proprietary. By providing any such information or materials to AOG, you grant to AOG an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such information and materials, and you further agree that AOG is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to AOG. You further recognize that AOG does not want you to, and you warrant that you shall not, provide any information or materials to AOG that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.
International Users and Choice of Law
This Site and Service are controlled, operated and administered by AOG within Bermuda. AOG makes no representation that materials at this Site are appropriate or available for use at other locations outside of Bermuda and access to them from territories where their contents are illegal is prohibited. If you access this Site from a location outside of Bermuda, you are responsible for compliance with all local laws. This Terms of Use shall be governed by the laws of Bermuda. You agree that the courts of Bermuda will have the exclusive jurisdiction to resolve all disputes arising under this Terms of Use, and you consent to personal jurisdiction in such forum.
Cautionary Statement Regarding Forward-Looking Statements
Any forward-looking statements made in this Site reflect AOG’s current views with respect to future events and financial performance and are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995.
Such statements involve risks and uncertainties that may cause actual results to differ materially from those set forth in this Site and the materials. For example, AOG’s financial position could be affected by a significant reduction in the amount of reinsurance ceded by one or more of our principal ceding companies, rating agency action such as a ratings downgrade, difficulties with the execution of AOG’s business strategy, contract cancellations, developments in the world’s financial and capital markets, more severe losses or more frequent losses associated with products affecting the adequacy of AOG’s loss reserves, changes in regulation or tax laws, governmental actions, AOG’s dependence on customers, decreased demand or increased competition, loss of key personnel, the effects of mergers, acquisitions and divestitures, changes in accounting policies or practices, and changes in general economic conditions, as well as management’s response to these factors, and other risk factors identified in AOG’s filings with the Securities and Exchange Commission.