This Site is owned and operated by Zurich Insurance Company Ltd ("the Company"), an entity incorporated in Switzerland.
1. LOCAL ACCESS RESTRICTIONS
The Site is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of the Site and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use this Site. By accessing or using this Site you do so on your own initiative and you are solely responsible for compliance with the applicable local laws and regulations.
2. GENERAL DISCLAIMER
THE MATERIAL AND INFORMATION ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE DISCLAIMED. NO REPRESENTATION OR WARRANTY IS MADE REGARDING CONTENT, FUNCTIONALITY, LINKS, OR COMMUNICATIONS AND NO REPRESENTATION OR WARRANTY AS TO DEFECTS OR ERRORS OR CORRECTION OF THE SAME, COMMUNICATION INTERRUPTIONS OR INTERCEPTIONS OR LOSS OF DATA, OR THE ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS ARE MADE.
In no event shall the Company, nor any of its subsidiaries or affiliates, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use, this Site or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through this Site or any website linked to or linking into this Site.
It is the responsibility of the user of this Site to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided on this Site is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters.
The information and features/functions contained on this Site are provided for your informational and educational convenience only. Nothing on this Site should be relied on in making any specific investment, financial planning or other decision. Users should always consider their overall personal circumstances, investment horizon and personal risk preferences.
Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of this Site should consult their professional advisors with respect to their personal circumstances.
Please also check any disclaimers on or in respect of specific documents on the Site.
3. NO OFFER
Nothing on this Site should be construed as a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction. For information about any specific products and/or country please visit the respective website. Nothing on this Site constitutes a promise or offer of employment; the Company and its affiliated companies are committed to the principles of equal employment opportunity and workplace diversity and all applications are considered in compliance with applicable law.
4. FORWARD-LOOKING STATEMENTS
The Site 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 the Company's judgment and expectations as of publication, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from the Company's expectations. Therefore, you must not place any reliance on forward-looking statements on this Site. The Company is under no obligation to update or alter forward-looking statements on this Site whether as a result of new information, future events, or otherwise.
5. INTELLECTUAL PROPERTY
"Zurich" and its logos are registered trademarks of the Company. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout (including the "feel and look") contained on the Site are the exclusive property of the Company, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained the Company's express written consent (except for the below).
Nothing on this Site should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on this Site will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from this Site for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.
The copyright in some documents and other material available on this Site belongs to third parties and such documents and other material have been produced on this Site with the permission of the third party copyright owners. You must check copyright notices on or in respect of such documents or material.
6. MARKET DATA
The Company uses the Site to provide investors with data relating to Zurich Insurance Group Ltd shares and possibly other Zurich Insurance Group instruments listed on the SIX Swiss Exchange or another Stock Exchange ("Market Data"). The Company obtains such Market Data mainly through third party providers ("Market Data Provider"). The Company can stop providing you with Market Data at any time without prior notice and at its sole discretion. The liability of both the Company and the Market Data Provider for the accuracy or completeness of Market Data, for any delay or interruption of the supply of Market Data or for losses or damages that are incurred in any way in connection with the Market Data, including, but not limited to, any indirect or consequential loss or damage and lost profit, shall be excluded to the extent permitted by applicable law. All rights to the intellectual property of or in respect of Market Data shall be retained by the Company or the relevant Market Data Provider, as the case may be. You will strictly observe forwarding restrictions or any other restrictions as to the use of Market Data, if any, contained in such Market Data.
The links from this Site to other websites are provided for your information and convenience only.
The Company does not assume any responsibility or liability with respect to any website linked from this Site (or any website linking into this Site), including its content and operation. The Company does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.
A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. The Company believes that the links provided to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.
8. PRIVACY AND DATA PROTECTION
9. SUBMISSIONS TO THIS SITE; MONITORING; OTHER
Except as provided by law and subject to our privacy and data protection policy (see section above), all submissions or transmissions made to or through this Site shall become the property of the Company. The Company reserves the right to use any material (e.g., any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.
By submitting personal data to the Company or its affiliated companies, you acknowledge and agree that said data may be processed, stored and archived by the Company or its affiliated companies or a third party on their behalf for the purpose it was submitted, and may be forwarded to other member companies of the Zurich Insurance Group in your country of residence and abroad. As a result, you acknowledge and agree that data may be transmitted to countries where data protection legislation is less stringent than in your country of residence.
The Company is not obligated to monitor any submissions or transmissions to or through this Site or any website to which this Site links or that links into this Site. The Company, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and the Company.
10. USER CONDUCT
When accessing or making use of any part of this Site, you may not:
post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law;
post or transmit any information or software which contains a virus, worm, trojan horse or other harmful component;
interfere with the functioning of this Site or restrict or inhibit any other user from using this Site;
post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through this Site for commercial purposes without the prior written consent of the Company;
post or upload content on the Site, in which you don't own the respective rights.
You will indemnify the Company for any costs or damages that the Company incurs as the result of any such inappropriate content per the above being uploaded by you.
ANY ATTEMPT BY ANY PERSON TO DAMAGE THIS SITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. THE COMPANY RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULL EXTENT OF THE LAW.
11. APPLICABLE LAW AND JURISDICTION
Last updated: July 15, 2011