Terms of Use

By accessing this website of the Swiss Re Group (the “Swiss Re Website” or “Website”) and any page thereof you agree to be bound by these terms of use (“Terms of Use”) and to comply with any applicable laws and regulations. If you do not agree to these Terms of Use, do not proceed to further pages of this Website.

Swiss Re Ltd (“Swiss Re”) reserves the right to vary or amend these Terms of Use at any time. The most recent version of the Terms of Use will govern the services on the Swiss Re Website and will always be available on the Website. By continuing to access or use this Website after any changes become effective, you agree to be bound by the revised Terms of Use. Please visit these Terms of Use on a regular basis to ensure that you have read the latest version. These Terms of Use were updated the last time on the date indicated at the end of the terms.

The headings used for each of the paragraphs of these Terms of Use do not affect its interpretation. The reference to a “person” is a reference to an individual, a body corporate and an unincorporated association of persons. “You” means a user of this Swiss Re Website. “We” means Swiss Re Ltd.

Local access restrictions and additional local information

The Swiss Re Website and all information and functionality contained within the Swiss Re 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 relevant subsidiary, branch, or representative or affiliate office of the Swiss Re Group. 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.

The Swiss Re Group is an international group of companies active in the reinsurance and insurance business in many countries. Swiss Re offices in particular countries may be subject to additional or different rules, regulations and/or supervision standards. Please note that in addition to these Terms of Use the Swiss Re Website may include legal information specific to one or several countries. Such information may, in particular, include corporate and contact information, local licensing information or other local disclosure requirements.

Company information and website operation

The Swiss Re Website is a group-wide site that includes information and material relating to the members of the Swiss Re Group and their businesses. The Website is provided by Swiss Re Ltd (group holding company), a public company incorporated under the laws of Switzerland with registered and principal office in Zurich, Switzerland and registration number CH-020.3.036.183-8 (“Swiss Re” or “we”). Swiss Re is listed on the Swiss Stock Exchange. The VAT number of Swiss Re is  CHE-116.291.855.

The Swiss Re Website is currently operated on a platform (the “Platform”) of a service provider with principal place of business in California, U.S.A. (the “Service Provider”). The Service Provider has several data centers in the United States and provides various services to Swiss Re 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 Swiss Re 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 Swiss Re Website. Hard-copies of Swiss Re publications are provided upon request as long as available and may be subject to charges if so indicated on the Website.

Services and solutions

Swiss Re makes no representation that all services and solutions described on the Swiss Re Website are appropriate or available for use in your country. Some services or solutions may not be available in all countries where the Swiss Re Group has business activities. 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 Swiss Re Website have no regard to the specific objectives, financial situation or particular needs of any specific recipient. Swiss Re 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 and may differ or be contrary to opinions expressed by other business areas or members of the Swiss Re Group as a result of using different assumptions and criteria. Swiss Re is not under any obligation to update or keep current the information about services and solutions contained in this Website.

No offer

The information contained in the Swiss Re Website is just for information purposes. No information available on this Website constitutes a solicitation, an offer, or a recommendation to buy any services or solutions, 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 Swiss Re Group.

Swiss Re does not intend to provide legal or tax advice through the Swiss Re Website.

Forward-looking statements

The Swiss Re 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 Swiss Re’s judgment and expectations, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from Swiss Re’s expectations. Therefore, users must be cautioned and not place undue reliance on forward-looking statements on this Website. Swiss Re 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.

Market Data and analysts’ views

Swiss Re uses the Swiss Re Website to provide investors with data relating to Swiss Re shares and possibly other Swiss Re instruments listed on the Swiss or another Stock Exchange as well as a link to competitors’ shares (“Market Data”). Swiss Re obtains such Market Data mainly through Reuters or another third party (“Market Data Vendor”). Swiss Re can stop providing you with Market Data at any time without prior notice. The liability of both Swiss Re and the Market Data Vendor for the accuracy or completeness of Market Data, for any delay or interruption of the supply of Market Data or for losses or damage 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 Swiss Re or the relevant Market Data Vendor. You will strictly observe forwarding restrictions, if any, contained in such Market Data.

Reuters Limited has the Intellectual Property Right (as defined hereafter) on content provided by Reuters (“Reuters Content”). It is expressly prohibited without prior written consent of Reuters to copy, re-publish or re-distribute Reuters Content. This prohibition includes caching, framing or similar means. Reuters shall not be liable for any errors or delays in content, or for any actions taken in reliance on such content.

The Swiss Re Website may include analysts’ views relating to the Swiss Re shares on the investor relations page. Analysts’ views that are made accessible on this Website are not necessarily shared by Swiss Re and Swiss Re does not confirm the content of analysts’ views by placing them on this Website. This applies also in situations where Swiss Re would in fact draw a more positive or more negative picture based on internal information that has not been available to the analysts. Swiss Re does not and is under no obligation to verify the content of the analysts’ views. The liability of Swiss Re for the accuracy or completeness of analysts’ views made accessible on this Website shall be excluded to the extent permitted by applicable law.

Storytelling, opinions and pictures

The Swiss Re Website may include stories about reinsurance or insurance related topics (e.g. climate change). The stories may be incomplete or not entirely correct in a scientific sense. Furthermore, the Swiss Re 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 Swiss Re. Moreover, the Swiss Re 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 Swiss Re.

Swiss Re allows storytelling, opinions and pictures on the Swiss Re Website. Users must not understand them as statement of facts or review them applying scientific criteria. Swiss Re 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 Swiss Re 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.

Third party statements and quotes

The Swiss Re Website may include statements and quotes of third parties relating to the Swiss Re Group and its business operations. Such statements and quotes are generally labeled as information provided by third parties. Swiss Re does not and is under no obligation to verify the content of third party statements or quotes on this Website. The liability of Swiss Re for the accuracy or completeness of such third party statements and quotes shall be excluded to the extent permitted by applicable law.

Event information

The Swiss Re Website may include information about future Swiss Re 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. Swiss Re 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. Swiss Re will not be liable for any costs incurred based on wrong event information on this Website.

No warranties

The information and materials that are contained on the Swiss Re Website are provided “as is” and “as available”. Swiss Re, the Service Provider and third party content providers give no representation, warranty or condition, express or implied, statutory or otherwise, as to condition, satisfactory quality, performance, fitness for purpose, non-infringement, merchantability or otherwise in respect of the Swiss Re Website or its Content. Without limiting the foregoing, Swiss Re, the Service Provider and third party content providers do not warrant the accuracy, timeliness, completeness, reliability or availability of the Swiss Re Website or the information or results obtained from the Swiss Re Website (whether based on manual access, subscriptions, RSS-feeds or otherwise), or that the Swiss Re Website or downloads (e.g. PDF, pictures, podcasts, videos) from the Swiss Re Website are virus-free or error-free. All such representations, warranties and conditions are excluded, except to the extent that their exclusion is not permitted by applicable law. For the purpose of these Terms of Use, “Content” means any text, software, database, format, graphic, images, photo, video clips, written work, databases, listings, and all other materials developed by, or on behalf of, us which are or form part of the Swiss Re Website. Please also check disclaimers on or in respect of individual documents on the Swiss Re Website (e.g. disclaimers on press releases; disclaimers on documents provided by third parties).

Both Swiss Re and the Service Provider (without limiting the foregoing) disclaim all warranties with respect to the operation of the Platform and related software for the Swiss Re Website, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for particular purpose and the non-infringement. Swiss Re and the Service Provider disclaim all warranties that the Platform and related software are not interrupted or error free. Swiss Re and the Service Provider disclaim all warranties as to the results that may be obtained from the use of this Website.

No liability

Neither Swiss Re, 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 Swiss Re, 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 Swiss Re, 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 Swiss Re Website or downloads from the Swiss Re Website (whether based on manual access, subscriptions, RSS-feeds or otherwise).

Intellectual Property Rights

Intellectual Property Rights in the pages of the Swiss Re Website and the Content available through it belong to Swiss Re and/or its affiliated undertakings or to the Service Provider or other third parties. You do not acquire, by virtue of your use of this Website, any rights, title or interest in any of the Intellectual Property Rights in the Content and the Website. For the purpose of these Terms of Use, “Intellectual Property Rights” means (i) copyright, patents, database rights and rights in trademarks, designs, know-how and registered or non-registered confidential information; (ii) applications for registration and the right to apply for registration for any of these rights; and (iii) all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world.

Individual pages and/or sections of the Swiss Re Website and its Content may be printed or saved 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 Swiss Re Website without the prior written permission of Swiss Re. It is prohibited to systematically retrieve Content from the Swiss Re Website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the Swiss Re Website without written permission from Swiss Re.

The copyright in some documents and other material available on this Website belongs to third parties (“Third Party Documents”) and such documents and other material have been produced on this Website with the permission of the third party copyright owners. You must check copyright notices on or in respect of individual Third Party Documents. Unless otherwise specified in the copyright notice for a Third Party Document or permitted by applicable law, you are not allowed to copy (except to the extent required for the use of this Website in accordance with these Terms of Use), store in any medium (including in any other website), distribute, transmit, re-transmit, broadcast, modify, or otherwise make available or communicate to the public all or any part of the Third Party Document or systematically extract material from it or in any other way exploit for commercial purposes all or any part of it.

User comments

You may provide comments to Swiss Re by using the commenting functionality of the Swiss Re Website, by e-mail or otherwise. Furthermore, Swiss Re 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 Swiss Re, Swiss Re 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 Swiss Re Website. If so doing, Swiss Re will label the comments, without mentioning your name, as third party comment, survey result or in another appropriate way. Swiss Re will not mention your name, unless you have expressly agreed otherwise. If you provide comments to Swiss Re you agree to grant Swiss Re all necessary rights, if any, or license to use, reproduce, distribute, modify, and publicly display your comments on the Swiss Re 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 the Swiss Re Group or any third party, are not defamatory, unreliable or misleading or otherwise objectionable. 

Contacting users

If you subscribe to mailing services, provide comments or otherwise communicate with Swiss Re through the Swiss Re Website or e-mails provided on the Swiss Re 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 Swiss Re retains your contact information and may contact you, in particular for the following reasons: requesting for clarifications or additional comments; sending Swiss Re publications, sending information about Swiss Re events; asking for your participation in surveys or polls; sending information about services and solutions or other marketing information of Swiss Re. However, Swiss Re will not send out mass unsolicited e-mails or mails.

Please note that you may when first contacting Swiss Re or at any time thereafter inform Swiss Re that you would rather not receive any information or not receive any specific information (e.g. promotion material) from Swiss Re. You may inform Swiss Re through the general contact functionality as indicated at the end of these terms.

Links to and Feeds from External Websites

From the Swiss Re Website you are able to obtain access to websites operated by third parties (“External Websites”) by means of links or RSS functionality. We do not endorse those other websites nor do we accept any responsibility for any damage or loss you may suffer arising out of access to External Websites, including, but not limited to, damage or loss arising from your use of documents or other information found on External Websites. Links to External Websites and RSS-feeds from External Websites are not monitored or maintained by us. We are not responsible for the content of any External Website. Please read all copyright and legal notices on each External Website prior to downloading or printing items to ensure that such actions are permitted under the site’s copyright notices, legal notices and/or general terms of use.

Recruitment

The Swiss Re Website allows online applications. If you apply for a position at any company of the Swiss Re Group advertised in the careers section of this Website, your curriculum vitae and other information and documents you provide to us will be used solely for considering your application and for recruitment purposes, as set out in the Privacy Policy Statement.

In acknowledging an application the Swiss Re Group is not verifying the content, accepting the application or making any offer of employment or engagement. The Swiss Re Group is not obliged to accept any applications.

Companies of the Swiss Re Group are equal opportunity employers (in accordance with applicable legislation). They do not discriminate on the grounds of gender, race, ethnic origin, age, religion, sexual orientation, disability or any other basis covered by local legislations. All employment related decisions are made entirely on merit.

Website Privacy

Our Privacy Policy Statement is placed on this Swiss Re Website. You understand that your use of this Website will result in our processing of personal data that you provide. The Privacy Policy determines the basis on which we will use personal data. By using this Website, you agree with the terms of the Privacy Policy. In performing your obligations under these Terms of Use, you commit to comply with applicable data protection laws.

General provisions

If a provision of these Terms of Use is or becomes illegal, invalid or unenforceable in any country, that will not affect the legality, validity or enforceability in that country of any other provision or in other jurisdictions of that or any other provisions of these Terms of Use.

Certain pages or areas on the Swiss Re Website may contain additional terms, conditions, disclosures or disclaimers (the “Additional Terms”). In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms will govern for those pages or areas.

Our rights under these Terms of Use may be exercised as often as necessary. They are cumulative and not exclusive of rights or remedies provided by law. They may be waived only in writing and specifically. Delay in the exercise or non-exercise of any such right is not a waiver of that right. An express or implied waiver of any of the provisions or of any breach of or default in performing any of the provisions of these Terms of Use will not constitute a continuing waiver and that waiver will not prevent the waiving party from subsequently enforcing any of the provisions of these Terms of Use not waived or from acting on any subsequent breach of or default by the other party under any of the provisions of these Terms of Use.

Any notice or other communication given under or in connection with these Terms of Use will be in English. All other documents provided under or in connection with these Terms of Use will be in English. A document in another language must be accompanied by a certified English translation. In such a situation the English translation will prevail, unless the document is a statutory or other official document.

Governing law / place of jurisdiction

These Terms of Use shall be governed by and interpreted in accordance with Swiss law and we and you each submit irrevocably to the exclusive jurisdiction of the competent courts of Zurich, Switzerland. 

Contact

If you have any questions relating to these Terms of Use, please contact us using the general contact functionality provided on this Website.

Latest update: 23 May 2011