1. Regulatory Issues
Aspen Insurance U.K. Limited ("AIUKL"), formerly Wellington Re, commenced operations as such in the United Kingdom in June 2002 and is authorized by the Prudential Regulation Authority (the "PRA") and regulated by both the Financial Conduct Authority (the "FCA") and the PRA. AIUKL is authorized to transact its insurance and reinsurance business in the United Kingdom. It is also authorized to provide insurance to persons in the Republic of Ireland and each other member state of the European Economic Area and may provide reinsurance in jurisdictions which do not require reinsurers located outside the jurisdiction to be authorized. It is not admitted nor authorized to engage in or transact any such business in any other jurisdiction through the Site or otherwise. AIUKL has taken the decision not to offer any of its insurance and reinsurance business services through the Site and nothing in the Site should be construed as such an offer to transact business through the Site.
Aspen Bermuda Limited ("ABL"), formerly named Aspen Insurance Limited, became licensed as a Class 4 insurance and reinsurance company under the Bermuda Insurance Act of 1978 in December 2002. ABL is licensed or otherwise approved to transact its insurance and reinsurance business in Bermuda only and is not admitted nor authorized to engage in or transact any such business in any other jurisdiction through the Site or otherwise. ABL has taken the decision not to offer any of its reinsurance business services through the Site and nothing in the Site should be construed as such an offer to transact business through the Site.
Aspen Specialty Insurance Company ("ASIC"), formerly Dakota Specialty Insurance Company, is licensed and domiciled in North Dakota and is subject to North Dakota law and regulation under the supervision of the Commissioner of Insurance of the State of North Dakota. ASIC is eligible to write certain lines of insurance business on a surplus lines basis in the United States. As a surplus lines insurance company ASIC transacts business solely through properly licensed surplus lines brokers, and may in addition provide reinsurance throughout the United States or in other jurisdictions which do not require foreign reinsurers to be authorized. It is not admitted nor authorized to engage in or transact any such business in any other jurisdiction through the Site or otherwise. Information concerning ASIC is not an offer to sell any of its insurance and reinsurance products or business services through the Site and nothing in the Site should be construed as such an offer to transact business through the Site.
Aspen Re America, Inc. ("ARA") is a Delaware corporation and functions as a reinsurance intermediary with offices throughout the U.S. Aspen Re America CA LLC is a California limited liability company and is licensed as a reinsurance intermediary in California. ARA and Aspen Re America CA LLC are wholly owned subsidiaries of the Aspen group, act as brokers for Aspen Insurance UK Limited and do not serve as intermediaries for non-Aspen third parties or market directly to the public. ARA has taken the decision not to offer any of its insurance and reinsurance business services through the Site and nothing in the Site should be construed as such an offer to transact business through the Site.
Aspen American Insurance Company (“AAIC”) has licenses to transact insurance in 50 states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands, and may provide reinsurance throughout the United States or in other jurisdictions which do not require foreign reinsurers to be authorized. It is not admitted nor authorized to engage in or transact any such business in any other jurisdiction through the Site or otherwise. Information concerning AAIC is not an offer to sell any of its insurance and reinsurance products or business services through the Site and nothing in the Site should be construed as such an offer to transact business through the Site.
Whilst Aspen makes every effort to ensure that the Site is available, Aspen Group does not represent, warrant or guarantee in any way that there is continued availability at all times or of uninterrupted use by you of the Site. Your use of the Site is at the sole discretion of Aspen. Aspen may deny you access to the Site or any portion thereof at any time, without notice and with or without cause. Further Aspen reserves the right to suspend or cease the operation of the Site without notice from time to time at its sole discretion.
3. Proper Conduct
You warrant that when using the Site you shall not:
(1) resell or transfer any Content (as defined in Section 4 below) of the Site;
(2) impersonate, or otherwise misrepresent your affiliation with any other person or entity;
(3) modify, falsify, or delete any attributions, legends, marks, notices, or any other proprietary designation of the origin or source of any material (including Content) appearing on the Site;
(5) violate, attempt to violate or assist, intentionally, negligently or otherwise, in any violation of the confidentiality or security of any information provided to Aspen by other Site users;
(6) use any robot, spider, or other automatic device, or manual process to monitor or copy the Site pages or the contents contained therein without the prior, expressed written permission of Aspen; or
Aspen reserves its right to prevent you from accessing the Site if you do not comply with any part of these terms and conditions.
4. Intellectual Property Rights
You are granted permission to display, copy, distribute and download the Content on the Site for personal, non-commercial use only, provided you: (i) keep intact all copyright and other proprietary notices; (ii) make no modifications to the Content on the Site; (iii) do not use the Content on the Site in a manner that suggests an association with any products, services, or brands; and (iv) do not download the Content to a database that can be used to avoid future downloads from the Site. Except as stated herein, none of the Content may be copied, reproduced, republished, downloaded, displayed, modified, transmitted, licensed, transferred, sold or distributed by any means or otherwise exploited in any manner, including but not limited to electronic, mechanical, photocopying, recording or otherwise, without the express prior written permission of Aspen or it is clearly indicated that any document or information may be downloaded and used.
As described in Section 6 below (Disclaimers), whilst Aspen endeavours to ensure that the information posted on the Site is accurate, Aspen Group does not represent, warrant or promise (whether express or implied) that any information is or remains accurate, complete and up-to-date, or fit or suitable for any purpose. Products and services referred to on the Site will only be offered publicly in those jurisdictions where it is lawful to do so and the Site is only directed at such jurisdictions. You agree that you will make yourself aware of and adhere to any restrictions there may be in your jurisdiction upon any services referred to in the Site.
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 THE SITE IS PROVIDED WITHOUT GUARANTEES OF COMPLETENESS, ACCURACY OR TIMELINESS AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. ASPEN GROUP DOES NOT WARRANT THAT THE SITE, OR ANY OTHER WEB SITES THAT MAY BE LINKED TO THROUGH THE SITE, WILL BE UNINTERRUPTED, ERROR FREE, FREE OF VIRUSES, DEFECTS OR HARMFUL COMPONENTS, COMPATIBLE WITH YOUR COMPUTER EQUIPMENT OR FIT FOR ANY PURPOSE.
ANY AND ALL INFORMATION CONTAINED ON, OR WHICH MAY BE TRANSMITTED THROUGH, THE SITE INCLUDING THESE TERMS AND CONDITIONS DO NOT CONSTITUTE OR FORM PART OF ANY OFFER OR INVITATION IN ANY JURISDICTION TO ENTER INTO ANY AGREEMENT RELATING TO ANY INVESTMENT WHATSOEVER, INCLUDING ANY OFFER OF SECURITIES.
ANY AND ALL INFORMATION CONTAINED ON, OR WHICH MAY BE TRANSMITTED THROUGH, THE SITE IS NOT TO BE REGARDED AS A RECOMMENDATION AND DOES NOT PURPORT TO GIVE ANY ADVICE WHATSOEVER AND SHOULD NOT BE CONSTRUED AS SUCH.
TO THE FULLEST EXTENT PERMITTED BY LAW, ASPEN GROUP 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.
ANY AND ALL INFORMATION CONTAINED ON, OR WHICH MAY BE TRANSMITTED THROUGH, THE SITE INCLUDING THESE TERMS AND CONDITIONS DO NOT CONSTITUTE A FINANCIAL PROMOTION FOR THE PURPOSES OF SECTION 21 OF THE UNITED KINGDOM'S FINANCIAL SERVICES AND MARKETS ACT 2000 AND THE INFORMATION CONTAINED HEREIN HAS NOT BEEN APPROVED FOR SUCH PURPOSES BY A PERSON AUTHORISED UNDER THAT ACT.
ANY AND ALL INFORMATION CONTAINED ON, OR WHICH MAY BE TRANSMITTED THROUGH, THE SITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF ANY OFFER TO BUY ANY SECURITIES IN THE UNITED STATES OF AMERICA OR TO, OR FOR THE BENEFIT OF, UNITED STATES PERSONS (BEING RESIDENT IN THE UNITED STATES OF AMERICA OR PARTNERSHIPS OR CORPORATIONS ORGANISED UNDER THE LAWS OF THE UNITED STATES OF AMERICA OR ANY STATE, TERRITORY, OR POSSESSION THEREOF).