While HCC International Insurance Company Plc ("HCCI" or the "Company") provides the information on this Website to anyone, we retain copyright on all text and graphic images. As such, one copy of the contents of this Website may be viewed, copied and downloaded for your own personal non-commercial use, provided that this Legal Disclaimer and Notice of Copyright appear in all copies. The contents of this Website may not be modified or used in any manner other than as expressly permitted by the immediately preceding sentence, including without limitation, utilization by reference or the establishment of a link, without the prior written consent of HCCI.

HCCI reserves the right at any and all times and in its sole discretion to change the content of this Website and the products and services referenced hereon. Your Company's Name reserves all other rights.

HCC Insurance Holdings and the TMHCC logo and HCCI and HCCI's Name logo are service marks of HCC Insurance Holdings, Inc. ("HCC") and HCCI, respectively, and the names, logos and products of the other HCC group companies referenced hereon are either service marks or registered service marks of such companies. Other products and HCCIs referenced herein may be the service marks of their respective owners.

HCCI maintains this Website as a service to the Internet community. The information contained on this Website is subject to change without notice and HCCI assumes no commitment to update the information contained herein. You hereby acknowledge that any reliance upon such information shall be at your sole risk. This service and all such information is provided on an "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IN NO EVENT SHALL HCC BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. 

The World Wide Web exists across public networks, many of which are insecure. This Website uses the security features of Netscape and Internet Explorer on most forms on this site, however, HCC cannot guarantee the security of the in-transit information. HCCI disclaims any and all liability for interception by unauthorized persons and for any computer viruses that may be loaded into your computer as a result of the downloading of any information from this or any other Website. The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by the HCC group of companies and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website.

All links and frames of this Website to third party sites are provided as a convenience only. HCCI does not control or endorse the information and content contained on any such sites, or their sponsors.

HCCI is under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever.

Except as otherwise provided herein, by providing information through the use of this Website (such as inquiries, comments, suggestions or ideas) to HCCI, the visitor agrees that such information is provided on a non-confidential basis and that HCCI shall have unlimited rights to use (or not use), distribute (or not distribute), reproduce (or not reproduce), and disclose (or not disclose) such information worldwide as HCCI deems appropriate, without compensation or acknowledgment of its source. HCCI shall be free to use any ideas, concepts, know-how or techniques contained in any information a visitor provides HCCI through this Website.

Should you have any questions or comments about our privacy policies or practice, please direct them to the Tokio Marine HCC Legal Department.