Legal

1. Acceptance of Terms

This Website (this "Website") is owned and operated by Verdant Rock Limited ("Verdant Rock"). Your access to and use of this Website is subject to the following terms and conditions (these "Terms of Use") and all applicable laws. Please read these Terms of Use carefully. By accessing and browsing this Website, you accept, without limitation or qualification, these Terms of Use and acknowledge that any other agreements between you and Verdant Rock regarding your use of this Website are superseded and of no force or effect. If you do not agree and accept, without limitation or qualification, these Terms of Use, please exit this Website.

This Website provides users with access to an online collection of information and materials, including text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively, "Content").

Verdant Rock may at any time revise these Terms of Use by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current Terms of Use.

2. Please Note

If you do not accept and agree to be bound by any of these terms or conditions, you are not authorized to access or otherwise use this Website or any information or Content contained on this Website. Your access to and use of this Website constitute your acceptance of and agreement to abide by each of the terms and conditions set forth below.

This Website may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Your access to and use of this Website are subject to the following Terms of Use, as well as all applicable laws and regulations. Please read these terms carefully.

3. Limited License and Site Access

Verdant Rock grants you a limited license to access and make personal use of this Website, but not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Verdant Rock. This license does not include any resale or commercial use of this Website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this Website or its contents; any downloading or copying of information for the benefit of another person; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Verdant Rock. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Verdant Rock without express written consent. You may not use any meta tags or any other "hidden text" utilizing Verdant Rock's name or trademarks without the express written consent of Verdant Rock. Any unauthorized use terminates the permission or license granted by Verdant Rock.

4. Availability of Products and Services

THIS WEBSITE IS PRESENTED FOR INFORMATIONAL PURPOSES ONLY. THIS WEBSITE DOES NOT CONSTITUTE AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY ANY SECURITY OR ANY INSURANCE OR REINSURANCE PRODUCT OR SERVICE, NOR SHALL ANY SUCH SECURITY, PRODUCT OR SERVICE BE OFFERED OR SOLD TO ANY PERSON IN ANY JURISDICTION IN WHICH SUCH OFFER, SOLICITATION, PURCHASE, OR SALE WOULD BE UNLAWFUL UNDER THE SECURITIES, INSURANCE, OR OTHER LAWS OF SUCH JURISDICTION.

Not all insurance coverages or products are available in all jurisdictions, and all coverages and products are subject to meeting the company's underwriting requirements.

Potential reinsureds and insureds should not rely on specific information on this Website with regard to the products offered by Verdant Rock, but should instead contact a retail producer, broker, or reinsurance intermediary for complete information regarding the terms and details of our insurance products. Verdant Rock does not offer or solicit business except through licensed producing agents, brokers, or reinsurance intermediaries, as applicable.

5. Copyright

Except as otherwise expressly stated, all Content appearing on this Website is the copyrighted work of Verdant Rock or one or more of its affiliates, or third-party content suppliers, and is protected by international copyright laws. The compilation (meaning the selection, arrangement and assembly) of all Content is also the exclusive property of Verdant Rock and is protected by international copyright laws.

You may download information from this Website and print out a hard copy for your personal use, provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, Copyright, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content, obtained from this Website, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of Verdant Rock. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by Verdant Rock. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither Verdant Rock nor its affiliates warrant or represent that your use of Content or any other materials displayed on this Website will not infringe rights of third parties.

6. Trademarks and Service Marks

All trademarks, service marks, trade names, logos, and icons are proprietary to Verdant Rock. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of Verdant Rock or such third party that may own the trademarks displayed on this Website. Your use of the trademarks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

7. Ownership of Information Submitted via This Website

With the exception of any personal data or information you submit (which shall be maintained in accordance with our Privacy Policy), any information you transmit to Verdant Rock via this Website, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Verdant Rock. Such information may be used for any purpose, including but not limited to reproduction, distribution, public display, disclosure, transmission, publication, broadcast, and posting. Verdant Rock shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Verdant Rock via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

8. Connection Requirements

You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Website, and Verdant Rock reserves the right to change the access configuration of this Website at any time without prior notice.

9. Prohibited Use

You are prohibited from any use or attempted use of this Website (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) that interferes with any other party's use and enjoyment of the Website, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by Verdant Rock to be made accessible to a user, or (vi) to attempt to obtain any materials or information through any means not intentionally made available by Verdant Rock, or (vii) for any use other than the business purpose for which it was intended, is prohibited.

10. Right to Monitor

Verdant Rock has the right, but not the obligation, to monitor the content of this Website, including chat rooms and forums, to determine compliance with these Terms of Use and any operating rules established by Verdant Rock and to satisfy any law, regulation, or authorized government request. Verdant Rock has the right and sole discretion to edit, refuse to post, or remove any material submitted to or posted on this Website.

11. Hyperlinks to Third Party Websites

This Website may contain hyperlinks to and Content from other sites owned and operated by parties other than Verdant Rock. Such hyperlinks and Content are provided only for ready reference and ease of use. We do not control such websites, cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Website provides hyperlinks to or Content from other websites that are not owned, operated or maintained by Verdant Rock, you acknowledge and agree that Verdant Rock is not responsible for and is not liable for the content, products, services or other materials on or available from such websites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third-party websites or for any action you may take as a result of linking to any such website. Any such websites are likely to set forth specific terms of use and privacy policies that you should review. Verdant Rock is under no obligation to maintain any link on this Website and may remove a link at any time in its sole discretion for any reason whatsoever. Verdant Rock shall not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such website.

12. No Control of Third Party Content; No Statement as to Accuracy

To the extent that any of the Content included in this Website is provided by third-party content providers or other Website users, Verdant Rock has no editorial control or responsibility over such Content. Any opinions, advice, statements, services, offers, or other information that constitutes part of Content expressed or made available by third parties or any other user of this Website are those of the respective authors or distributors and not of Verdant Rock or its affiliates, or any of their officers, directors, employees, or agents. Neither Verdant Rock nor its affiliates, nor any of their officers, directors, employees, or agents, nor any third-party content providers, guarantee the accuracy, completeness, or usefulness of any Content, nor its merchantability or fitness for any particular purpose.

13. Modification to Content

Verdant Rock may, at any time, modify, update, or discontinue this Website or Content without notice. Verdant Rock will not be liable to you or any third party for any modification or discontinuance of any of the Content.

14. Limitation of Liability

YOU UNDERSTAND AND AGREE THAT VERDANT ROCK WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, OR USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF THE VERDANT ROCK GROUP OR ITS AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEBSITE OR CONTENT, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, ANY STATEMENT OR CONDUCT OF ANY THIRD-PARTY, OR ANY OTHER MATTER RELATED TO THE WEBSITE OR CONTENT. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE VERDANT ROCK OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS VERDANT ROCK AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, ATTORNEYS, INDEPENDENT CONTRACTORS, PROVIDERS, SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, 'VERDANT ROCK AND AFFILIATES') FROM AND AGAINST ANY AND ALL CLAIM, LOSS, EXPENSE, OR DEMAND OR LIABILITY, INCLUDING ATTORNEYS' FEES AND COSTS, INCURRED BY VERDANT ROCK AND AFFILIATES ARISING OUT OF (I) ANY CLAIM BY A THIRD-PARTY THAT YOUR USE OF THIS WEBSITE, INCLUDING BUT NOT LIMITED TO THE POSTING, DISTRIBUTION, COPYING, MODIFICATION, ALTERATION OR ANY USE BY YOU OF ANY CONTENT OR SOFTWARE AVAILABLE ON THIS WEBSITE, INFRINGES A THIRD PARTY'S RIGHT, OR (II) YOUR USE OF THIS WEBSITE IN VIOLATION OF THESE TERMS OF USE OR IN VIOLATION OF ANY APPLICABLE LAW.

15. Cautionary Statement Regarding Forward-Looking Statements

This Website may contain forward-looking statements. Forward-looking statements are statements that are not historical facts and are based on our current expectations, estimates, and projections about our industry, management's beliefs and certain assumptions made by management. Forward-looking statements are subject to risks and uncertainties, many of which are difficult to predict and generally beyond our control. Actual results may differ materially from those expressed or forecast in any forward-looking statements. We undertake no obligation to update publicly any forward-looking statements, whether as a result of new information, future events, or otherwise.

16. Indemnity

You agree to indemnify, defend and hold harmless Verdant Rock, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates (collectively, the "Verdant Rock Indemnitees") from and against any and all claims, losses, expenses, or demands or liabilities, including attorneys' fees and costs, incurred by the Verdant Rock Indemnitees arising out of (i) any claim by a third party relating to the posting, distribution, modification or alteration by you of any Content, or (ii) your use of this Website in violation of these Terms of Use or in violation of any applicable law.

You agree to cooperate with us as reasonably required in the defense of any such claims. The Verdant Rock Indemnitees reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Verdant Rock.

17. Security

Verdant Rock takes appropriate technical and organizational measures against unauthorized or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. However, although Verdant Rock takes appropriate measures to protect the security of the information communicated through this Website, the Internet is an open network that is not secure and there is an inherent risk that any transmission via the Internet may be intercepted, modified, misdirected, or not be delivered to the intended recipient. In addition, there is also an inherent risk that information stored on a computer connected to the Internet may be accessed without authorization. As no Internet-connected computer system can be made absolutely secure from intrusion, Verdant Rock cannot and does not guarantee that information displayed on the Website has not been modified by others without authorization or that information communicated by you to us will be received or that it will not be altered before or after its transmission.

18. Governing Law and Jurisdiction

These Terms of Use shall be governed by, and construed in accordance with, the laws of Bermuda. The courts of Bermuda shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms of Use.