Disclaimer & Terms of Use

The Somerset Re Ltd. website is for general information purposes only. While we have made every attempt to ensure that the information contained in this website is accurate, Somerset Re Ltd. is not responsible and accepts no liability for any errors or omissions in the content of this website. Somerset Re Ltd. does not endorse, and is not responsible for the contents of any website referred to by or accessible from the Somerset Re Ltd. website. Links are provided for informational purposes only and are accessed at the user’s own risk.

Somerset Re Ltd. is taking the protection of your personal data very seriously and complies strictly with the provisions of data protection law. Personal data will only be used for the processing of queries, statistical purposes and to the extent required by technology. Under no circumstances is personal data sold or passed on to third-parties.

All materials, including photographs, designs, and publications that are part of this website are copyrightable subject matter and/or other intellectual property owned by Somerset Re Ltd. The unauthorized reproduction, distribution or retransmission of the material contained in the Somerset Re Ltd. website is prohibited.

The use of this website is subject to and governed by substantive Bermuda law under the exclusion of the UN Convention on the Sale of Goods. The ordinary courts of Bermuda shall have exclusive jurisdiction to settle disputes arising out of or in connection with the use of this website.

THESE TERMS OF USE (THE "TERMS") EXPLAIN HOW YOU ARE PERMITTED TO USE THE WEBSITE LOCATED AT THE URL: www.somersetre.com AS WELL AS ALL ASSOCIATED SITES LINKED TO IT BY Somerset, ITS SUBSIDIARIES AND AFFILIATED COMPANIES (COLLECTIVELY, THE "SITE"). ALL REFERENCES TO “SITE” INCLUDE THE SERVICES and any materials AVAILABLE THROUGH THIS SITE. BY USING THIS SITE, YOU ARE AGREEING TO ALL THE TERMS; IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, you may NOT ACCESS OR OTHERWISE USE THIS SITE, ANY SERVICES AVAILABLE THROUGH THIS SITE OR ANY INFORMATION CONTAINED ON THIS SITE.

The Somerset Re Ltd. website is for general information purposes only. While we have made every attempt to ensure that the information contained in this website is accurate, Somerset Re Ltd. is not responsible and accepts no liability for any errors or omissions in the content of this website. Somerset Re Ltd. does not endorse, and is not responsible for the contents of any website referred to by or accessible from the Somerset Re Ltd. website. Links are provided for informational purposes only and are accessed at the user’s own risk.

Somerset Re Ltd. is taking the protection of your personal data very seriously and complies strictly with the provisions of data protection law. Personal data will only be used for the processing of queries, statistical purposes and to the extent required by technology. Under no circumstances is personal data sold or passed on to third-parties.

All materials, including photographs, designs, and publications that are part of this website are copyrightable subject matter and/or other intellectual property owned by Somerset Re Ltd. The unauthorized reproduction, distribution or retransmission of the material contained in the Somerset Re Ltd. website is prohibited.

The use of this website is subject to and governed by substantive Bermuda law under the exclusion of the UN Convention on the Sale of Goods. The ordinary courts of Bermuda shall have exclusive jurisdiction to settle disputes arising out of or in connection with the use of this website.

THESE TERMS OF USE (THE "TERMS") EXPLAIN HOW YOU ARE PERMITTED TO USE THE WEBSITE LOCATED AT THE URL: www.somersetre.com AS WELL AS ALL ASSOCIATED SITES LINKED TO IT BY Somerset, ITS SUBSIDIARIES AND AFFILIATED COMPANIES (COLLECTIVELY, THE "SITE"). ALL REFERENCES TO “SITE” INCLUDE THE SERVICES and any materials AVAILABLE THROUGH THIS SITE. BY USING THIS SITE, YOU ARE AGREEING TO ALL THE TERMS; IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, you may NOT ACCESS OR OTHERWISE USE THIS SITE, ANY SERVICES AVAILABLE THROUGH THIS SITE OR ANY INFORMATION CONTAINED ON THIS SITE.

THIS SITE IS FOR INFORMATIONAL PURPOSES ONLY. THIS SITE PRESENTS GENERAL INFORMATION REGARDING SOMERSET AND IS NOT INTENDED AS AND DOES NOT CONSTITUTE AN OFFER TO SOLICIT BUSINESS. THIS SITE DOES NOT CONTAIN A COMPLETE DESCRIPTION OF ANY PRODUCT THAT MAY BE OFFERED FOR SALE BY SOMERSET. NOTHING CONTAINED IN THE SITE CONSTITUTES REGULATORY, INVESTMENT, LEGAL OR TAX ADVICE. NEITHER THE INFORMATION, NOR ANY OPINION CONTAINED IN THE SITE CONSTITUTES A SOLICITATION OR OFFER BY SOMERSET OR ANY OF ITS SUBSIDIARIES OR AFFILIATES TO ENGAGE IN ANY TRANSACTIONS.

Somerset may make changes to the content and services offered on the Site at any time. Further, Somerset may change, update, or add or remove provisions of these Terms, at any time by posting the updated Terms on this Site. You should review these Terms whenever you access the Site. If you do not agree with any of the updated Terms, you must stop using the Site.

Somerset is a Bermuda reinsurance company, which operates only in Bermuda. Somerset is not licensed in the United States, and does not engage in or transact any business in the United States, through this website or otherwise. Products issued by Somerset are not protected or guaranteed by state insurance guaranty associations or insolvency funds.

By using this Site, you represent, acknowledge and agree that you are at least 18 years of age. If you are not at least 18 years old, you may not use the Site at any time or in any manner or submit any information to Somerset.
Somerset provides content through the Site that is copyrighted and/or trademarked work of Somerset’s third-party licensors and suppliers or other users of the Site (collectively, the “Materials”). Materials may include logos, graphics, video, images, software and other content.
Subject to the terms and conditions of these Terms, and your compliance with these Terms, Somerset hereby grants you a limited, personal, non-exclusive and non-transferable license to use and to display the Materials and to use this Site solely for your personal use. Except for the foregoing license, you have no other rights in the Site or any Materials and you may not modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Site or Materials in any manner.
If you breach any of these Terms, the above license will terminate automatically and you must immediately destroy any downloaded or printed Materials.

Somerset Re Ltd. takes privacy very seriously. We do not intentionally collect personally identifiable information through the Site. You are not required to submit any personally identifying information to browse our Site.

We may use cookies and similar technologies to understand how users access and use our Site, to better understand users' behavior and to further improve our Site. Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your web browser for record-keeping purposes. Most browsers are initially set up to accept cookies. You can set your browser to delete or refuse all cookies, or to notify you when a cookie is being sent. However, some features on our Sites may not function properly without cookies.
We use cookies and other devices to help us operate the Site and track aggregate and statistical information about user activity. This information includes your IP address, browser type, browser language, the date and time of your query and one or more cookies that may uniquely identify your browser.
We also use third party devices and applications, such as Google Analytics, to evaluate usage of our Site and to help us improve our Site, performance and user experiences, not to track users across our Site and third party sites. These third parties may use cookies and similar devices to perform their services. We do not share your personal information with these third parties.

Certain Materials may be provided by third-party licensors and suppliers to Somerset (“Third-Party Content”) where separate and additional terms govern the use of that Third-Party Content. You acknowledge and agree that different or additional terms may apply to your use of Third-Party Content.

This Site may be linked to other web sites that are not Somerset sites (“Third-Party Sites”). In certain situations, you may be transferred to a Third-Party Site through a link on this Site. You acknowledge and agree that the Third-Party Sites may have different privacy policies and terms and conditions and/or user guides and business practices than Somerset, and you further acknowledge and agree that your use of such Third-Party Sites is governed by the respective Third-Party Site privacy policy and terms and conditions and/or user guides. Somerset is providing links to the Third-Party Sites to you as a convenience, and Somerset does not verify, make any representations or take responsibility for such Third-Party Sites, including, without limitation, the truthfulness, accuracy, quality or completeness of the content, services, links displayed and/or any other activities conducted on or through such Third-Party Sites. YOU AGREE THAT Somerset WILL NOT, UNDER ANY CIRCUMSTANCES, BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY GOODS, SERVICES, INFORMATION, RESOURCES AND/OR CONTENT AVAILABLE ON OR THROUGH ANY THIRD-PARTY SITES AND/OR THIRD-PARTY DEALINGS OR COMMUNICATIONS, OR FOR ANY HARM RELATED THERETO, OR FOR ANY DAMAGES OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH YOUR USE OR RELIANCE ON THE CONTENT OR BUSINESS PRACTICES OF ANY THIRD-PARTY.

When using this Site, you agree not to:

• Defame abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Use racially, ethnically, or otherwise offensive language.
• Discuss or incite illegal activity.
• Use explicit/obscene language or solicit/post sexually explicit images (actual or simulated).
• Use any robot, spider, scraper or other automated means to access the Site.
• Take any action that imposes an unreasonable or disproportionately large load on our infrastructure.

This list of prohibitions provides examples and is not complete or exclusive. Somerset reserves the right to terminate your access to the Site, with or without cause and with or without notice, for any reason or no reason, or for any action that Somerset determines is inappropriate or disruptive to this Site or to any other user of this Site. Somerset may report to law enforcement authorities any actions that may be illegal, and any reports it receives of such conduct. When legally required or at Somerset’s discretion, Somerset will cooperate with law enforcement agencies in any investigation of alleged illegal activity on this Site or on the Internet.

Unauthorized use of any Materials or Third-Party Content contained on this Site may violate certain laws and regulations. You agree to indemnify and hold Somerset and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all costs, damages, liabilities, and expenses (including attorneys’ fees and costs of defense) Somerset or any other indemnified party suffers in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third-party that your use of this Site violates any applicable law or regulation, or the copyrights, trademark rights or other rights of any third-party.

Somerset Re is a trademark of Somerset Re Ltd.,Design mark “Mountain Design” is the property of Somerset Re Ltd. Other trademarks, names and logos on this Site are the property of their respective owners. Unless otherwise specified in these Terms, all information and screens appearing on this Site, including documents, services, site design, text, graphics, logos, images and icons, as well as the arrangement thereof, are the sole property of Somerset, Copyright 2014 Somerset Re Ltd. All rights not expressly granted herein are reserved. Except as otherwise required or limited by applicable law, any reproduction, distribution, modification, retransmission, or publication of any copyrighted material is strictly prohibited without the express written consent of the copyright owner or license.

Your use of this Site is at your own risk. The Materials have not been verified or authenticated in whole or in part by Somerset, and they may include inaccuracies or typographical or other errors. Somerset does not warrant the accuracy of timeliness of the Materials contained on this Site. Somerset has no liability for any errors or omissions in the Materials, whether provided by Somerset, our licensors or suppliers or other users. Somerset does warrant the accessibility of this site.

SOMERSET, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, OR ANY SERVICES OR MATERIALS AVAILABLE THROUGH THE SITE, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE (INCLUDING ANY SERVICES AVAILABLE THROUGH THE SITE), AND ANY INFORMATION OR MATERIALS CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” AND “WHERE-IS” BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. SOMERSET DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.

SOMERSET SHALL NOT BE LIABLE TO YOU FOR ANY DAMAGES RESULTING FROM YOUR DISPLAYING, COPYING, OR DOWNLOADING ANY MATERIALS TO OR FROM THIS SITE. IN NO EVENT SHALL SOMERSET BE LIABLE TO YOU FOR ANY INDIRECT, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF DATA, REVENUE, PROFITS, USE OR OTHER ECONOMIC ADVANTAGE) HOWEVER ARISING, EVEN IF SOMERSET KNOWS THERE IS A POSSIBILITY OF SUCH DAMAGE.

Somerset controls and operates this Site from its headquarters in Bermuda and the Materials may not be appropriate or available for use in other locations. If you use this Site outside Bermuda, you are responsible for following applicable local laws.

If you send or transmit any communications, comments, questions, suggestions, or related materials to Somerset, whether by letter, email, telephone, or otherwise (collectively, “Feedback”), suggesting or recommending changes to the Site or Materials, including, without limitation, new features or functionality relating thereto, all such Feedback is, and will be treated as, non-confidential and non-proprietary. You hereby assign all right, title, and interest in, and Somerset is free to use, without any attribution or compensation to you, any ideas, know-how, concepts, techniques, or other intellectual property and proprietary rights contained in the Feedback, whether or not patentable, for any purpose whatsoever, including but not limited to, developing, manufacturing, having manufactured, licensing, marketing, and selling, directly or indirectly, products and services using such Feedback. You understand and agree that Somerset is not obligated to use, display, reproduce, or distribute any such ideas, know-how, concepts, or techniques contained in the Feedback, and you have no right to compel such use, display, reproduction, or distribution.

Somerset prefers to advise you if we feel you are not complying with these Terms and to recommend any necessary corrective action. However, certain violations of these Terms, as determined by Somerset, may result in immediate termination of your access to this Site without prior notice to you. The laws of Bermuda, without regard to the choice or conflicts of law provisions, will govern these Terms. Foreign laws do not apply. The United Nations on Contracts for the International Sale of Goods and any laws based on the Uniform Computer Information Transactions Act (UCITA) shall not apply to this Agreement. Any disputes relating to these Terms or this Site will be heard in the courts located in Bermuda; the courts of Bermuda shall have exclusive jurisdiction to settle disputes arising out of or in connection with the Site or the Terms. If any of these Terms is found to be inconsistent with applicable law, then such term shall be interpreted to reflect the intentions of the parties, and no other terms will be modified. Somerset’s failure to enforce any of these Terms is not a waiver of such term. These Terms are the entire agreement between you and Somerset and supersede all prior or contemporaneous negotiations, discussions or agreements between you and Somerset about this Site. The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability and general provisions shall survive any termination of these Terms.

If you have any questions about these Terms or otherwise need to contact Somerset for any reason, you can reach us at info@somersetre.com.