Local access restrictions and additional local information
The SRF Website and all information and functionality contained within the SRF Website are not directed to or intended for use by any person resident or located in any country where the distribution of such information or functionality is contrary to the laws of such country. The same applies to any person resident or located in any country where such distribution is prohibited without obtaining the necessary licenses or authorizations and such licenses or authorizations have not been obtained by the Swiss Re Foundation. If any such local access restriction applies to you, you are not authorized to access this Website or use any of the information on this Website.
Information about the Swiss Re Foundation and website operation
This Website is provided by the Swiss Re Foundation, an independent, non-profit-making foundation, under the laws of Switzerland with registered office in Zurich, Switzerland and registration number CH-020.7.001.778-9 (“SRF” or “we”).
The SRF Website is currently operated on a platform (the “Platform”) of a service provider with principal place of business in Arizona, U.S.A. (the “Service Provider”). The Service Provider has several data centers in the United States and provides various services to SRF in connection with the operation of this Website (the “Services”). The Service Provider owns all right, title, and interest to all software, products, works, and other intellectual property created, used, or provided by the Service Provider including, but not limited to, the Platform and any other part of the Services.
The SRF Website includes various functionalities, including, but not limited to, commenting, subscription, RSS, ordering, downloading and printing functionalities. Please note that certain functionalities of this Website may not work, unless you have installed appropriate software on your local station. It is the sole responsibility of each user to install the necessary software in order to effectively use the SRF Website. Hard-copies of SRF publications are provided upon request as long as available and may be subject to charges if so indicated on the Website.
Services and solutions
SRF makes no representation that all services and solutions described on the SRF Website are appropriate or available for use in your country. Furthermore, some services or solutions may only be available to certain categories of persons. Therefore, please read carefully the relevant description on this Website or request further information about the relevant service or solution.
Any materials available on the SRF Website have no regard to the specific objectives, financial situation or particular needs of any specific recipient. SRF does not represent that any services or solutions discussed on this Website are suitable for any individual or corporate recipient. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the materials, nor are they a complete statement of the services or solutions, markets or developments referred to therein. The materials should not be regarded by recipients as a substitute for the exercise of their judgment. Any opinions are subject to change without notice. SRF is not under any obligation to update or keep current the information about services and solutions contained in this Website.
The information contained in the SRF Website is just for information purposes. No information available on this Website constitutes a solicitation, an offer, or a recommendation from SRF, to effect any transactions or to conclude any legal act of any kind whatsoever. You or your company may not rely on information on this Website for making any decision relating to services or solutions of the SRF.
The SRF Website may contain forward-looking statements. Forward-looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact. While such statements may represent SRF’s judgment and expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from SRF’s expectations. Therefore, users must be cautioned and not place undue reliance on forward-looking statements on this Website. SRF is under no obligation to update or alter forward looking statements on this Website whether as a result of new information, future events, or otherwise.
Storytelling, opinions and pictures
SRF allows storytelling, opinions and pictures on the SRF Website. Users must not understand them as statement of facts or review them applying scientific criteria. SRF does not wish and is under no obligation to verify the content of stories or opinions or the use of pictures on this Website. The liability of SRF for any required accuracy or completeness of stories, the defensibleness of opinions and the appropriateness of the use of pictures shall be excluded to the extent permitted by applicable law.
The SRF Website may include stories about reinsurance or insurance related topics. The stories may be incomplete or not entirely correct in a scientific sense. Furthermore, the SRF Website may include opinions that are provocative and arguable. Such opinions are based on the author’s interpretation of information available at the given time and do not necessarily reflect the view of SRF. Moreover, the SRF Website may include pictures that may be understood by users as not entirely appropriate in a particular context. The use of a picture in a particular context is based on the author’s discretion and does not necessarily reflect the view of SRF.
Third party statements and quotes
The SRF Website may include statements and quotes of third parties relating to the SRF. Such statements and quotes are generally labeled as information provided by third parties. SRF does not and is under no obligation to verify the content of third party statements or quotes on this Website. The liability of SRF for the accuracy or completeness of such third party statements and quotes shall be excluded to the extent permitted by applicable law.
The SRF Website may include information about future SRF or other events. Such information may not be accurate. For example, an event is cancelled due to an insufficient number of registrations after the event information has been placed on this Website. SRF is under no obligation to update or alter its information about future events as a result of new or revised information. Therefore, please verify all event information directly with the event organizer before taking any steps in reliance on such information on this Website. SRF will not be liable for any costs incurred based on wrong event information on this Website.
Both SRF and the Service Provider (without limiting the foregoing) disclaim all warranties with respect to the operation of the Platform and related software for the SRF Website, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for particular purpose and the non-infringement. SRF and the Service Provider disclaim all warranties that the Platform and related software are not interrupted or error free. SRF and the Service Provider disclaim all warranties as to the results that may be obtained from the use of this Website.
Neither SRF, the Service Provider, any third party content provider, nor any of their directors, employees or agents will be liable for any indirect, special, incidental, consequential, punitive or exemplary loss, liability or costs, whether arising from negligence, breach of contract or otherwise and regardless whether the damage was foreseeable or not. Neither SRF, the Service Provider, any third party content provider, nor any of their directors, employees or agents will be liable for any loss of profits, business or data. Neither SRF, the Service provider, any third party content provider, nor any of their directors, employees or agents will be liable for any damage or loss (especially loss of data, alteration of data, or downtime) that may be caused to any equipment or software due to any viruses, defects or malfunctions in connection with the access or use of the SRF Website or downloads from the SRF Website (whether based on manual access, subscriptions, RSS-feeds or otherwise).
Intellectual Property Rights
You may print or safe individual pages and/or sections of the SRF Website and its Content for personal or internal use only. Such print-outs or savings, however, must retain all applicable copyright or other proprietary notices. You must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in part any Content obtained from the SRF Website without the prior written permission of SRF. It is prohibited to systematically retrieve Content from the SRF Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) without written permission from SRF.
You may provide comments to SRF by using the commenting functionality of the SRF Website, by e-mail or otherwise. Furthermore, SRF may invite users to participate in own or third party surveys or polls and comment on a particular issue raised. If you provide comments to SRF, SRF shall be entitled, but not in any way obliged to make available all or parts of your comments with unmodified or modified content on the SRF Website. If so doing, SRF will label the comments, without mentioning your name, as third party comment, survey result or in another appropriate way. SRF will not mention your name, unless you have expressly agreed otherwise. If you provide comments to SRF you agree to grant SRF all necessary rights, if any, or license to use, reproduce, distribute, modify, and publicly display your comments on the SRF Website for an unlimited period of time.
You agree to ensure that all comments you send to this Website are legal, decent and truthful, comply with all applicable laws and regulations, do not infringe the Intellectual Property Rights or other rights of SRF or any third party, are not defamatory, unreliable or misleading or otherwise objectionable.
If you subscribe to mailing services, provide comments or otherwise communicate with SRF through the SRF Website or e-mails provided on the SRF Website, you may be requested to provide your contact details, in particular your e-mail address. By providing your contact details you expressly agree that SRF retains your contact information and may contact you, in particular for the following reasons: requesting for clarifications or additional comments; sending SRF publications, sending information about SRF events; asking for your participation in surveys or polls; sending information about services and solutions or other marketing information of SRF. However, SRF will not send out mass unsolicited e-mails or mails.
Please note that you may when first contacting SRF or at any time thereafter inform SRF that you would rather not receive any information or not receive any specific information (e.g. promotion material) from SRF. You may inform SRF through the general contact functionality as indicated at the end of these terms.
Links to and Feeds from External Websites
Governing law / place of jurisdiction
Latest update: 9 November 2012