ACCEPTANCE OF TERMS
This Website is owned and maintained by Chubb Arabia Cooperative Insurance Company. and/or one or more of its affiliates (the “Owner”, “we”, “us” or “our”) (collectively, “Chubb”). Chubb is composed of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in Saudi Arabia. Chubb also includes companies that provide services to the insurance industry and other customers
This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services (“Products and Services”) offered by providers of insurance and insurance-related services operating within Chubb. The Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other information (collectively, “Content”), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site (“Software”)
PLEASE NOTE: Your access to and use of this Website (as well as any other websites owned by Chubb) are subject to the following Terms of Use, as well as all applicable laws and regulations stated in Saudi Arabia. Please read these terms carefully. If you do not accept and agree to be bound by any of these terms or conditions you are not authorized to access or otherwise use this Web Site or any Content, Services or Software contained on this Web Site. Your access to and use of this Web Site constitute your acceptance of and agreement to abide by each of these terms and conditions set forth below.
These Terms of Use may be changed, modified, supplemented or updated by Chubb from time to time without advance notice. Unless otherwise indicated, any new Products and Services, Content and Software added to this Web Site will also be subject to these Terms of Use effective upon the date of any such addition. You are encouraged to review the Web Site periodically for updates and changes
The information contained on this Website is only for use in Saudi Arabia. If this applies to you, you are authorized to access or use any of the information on this Web Site.
ACCESS AND CONTENT
Limited License and Site Access – CHUBB hereby grants you a limited license to access and make personal use of this Website but not to download (other than page caching) or modify it, or any portion of it, except with the express written consent of CHUBB. This license does not include any resale or commercial use of this Website or its contents; any collection or use of any product listings, descriptions, or prices; any derivative use of this Website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. Neither this Website nor any portion of it may be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose without the express written consent of CHUBB. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of CHUBB or its affiliates without their express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of the Chubb names or service marks without the express written consent of CHUBB. Any unauthorized use terminates the permission or license granted by CHUBB.
Due to various insurance and other regulatory restrictions, certain Products and Services described on this Website are not available to all users. THE INFORMATION CONTAINED ON THIS WEBSITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY CHUBB.
OWNERSHIP & RESTRICTIONS
You may download information from this Web Site and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any Content obtained from this Web Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of CHUBB and any applicable third-party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by CHUBB. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither CHUBB nor its affiliates warrant or represent that your use of Content, Services, Software, or any other materials displayed on this Web Site will not infringe the rights of third parties.
Trademarks and Service Marks – Certain trademarks, including “CHUBB”, “ESIS” and “Westchester”, are the registered service marks of Chubb Limited or one of its subsidiaries. The domain name for this Web Site (www.chubb.com), the Chubb logos, all page headers, custom graphics, and button icons are service marks, trademarks, logos, and/or trade dress of Chubb International. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Web Site are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorization of the Owner
Any information you transmit to CHUBB via this Web Site, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of CHUBB. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. The CHUBB shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to CHUBB via this Web Site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. However, nothing in these terms of use is meant to amend or conflict with any provision in a producer agreement relating to a producer’s ownership of its customer lists.
Designated Agent – We respond to notices of alleged copyright infringement under the Digital Millennium Copyright Act (the “DMCA”). If you believe content on our website is infringing your copyright(s), you can contact our designated agent at:
Chubb Arabia Cooperative Insurance Company
8th Floor, Southern Tower Khobar Business Gate
King Faisal Bin Abdulaziz Street (Coastal Road) Al Khobar, Saudi Arabia
T: +966 (0) 13 804 7600
E: saudi.arabia@chubb.com.sa
We need the following information, in writing, to process your report:
Your complete contact information including your full name, address, telephone number, and email address
A description of the copyrighted work(s) or other intellectual property that you claim has been infringed
A description of where the material that you claim infringes your copyright is located on our site and/or the web addresses (URLs) leading directly to the allegedly infringing content
A statement that: (i) you have a good faith belief that the use of the copyrighted content is not authorized by the copyright owner, its agent, or the law, (ii) the information in your notice is accurate, and (iii) under penalty of perjury, you are the copyright owner or are authorized to act on behalf of the owner of the copyright
Your electronic or physical signature
Please note that we may request additional information before removing any allegedly infringing material. In the event we do remove the allegedly infringing materials, we will notify the person responsible for posting such materials and may provide that person with your e-mail address so that they can respond to your allegations.
It is Chubb’s policy, in appropriate circumstances, to terminate the accounts of users who repeatedly post content that infringes someone else’s intellectual property rights, such as copyrights or trademarks.
Internet Portals for Chubb Business – Chubb may utilize internet portals specifically designed to allow producers to submit information that Chubb will utilize to issue an insurance quote to the producer or the producer’s client. By submitting such information, the producer represents that the information is true and correct to the best of the producer’s knowledge, information and belief, after performing due diligence. Chubb may utilize the information provided by the producer to develop a quote, estimate or indication, if Chubb decides to do so in its discretion. Chubb may also utilize the information in its normal course of issuing insurance policies and providing related services. Chubb’s work product developed from such information, including but not limited to quotes, estimates, applications, binders and policies, is the sole property of Chubb.
Prohibited Use – The following is prohibited: any use or attempted use of this Web Site (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) to interfere with any other party’s use and enjoyment of the Web Site, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by the Owner to be made accessible to a user, or (vi) to obtain any materials or information through any means not intentionally made available by the Owner, or (vii) for any use other than the business purpose for which it was intended.
In addition, in connection with your use of the Web Site, you agree you will not:
a) Upload or transmit any message, information, data, text, software or images, or other content (“Material”) that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity, or;
b) Create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Chubb representative, or falsely state or otherwise misrepresent your affiliation with a person or entity, or;
c) Upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements), or;
d) Upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another, or;
e) Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature, or;
f) Use the Web Site’s communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text), or;
g) Upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of solicitation, commercial or otherwise, or;
h) Violate any applicable local, state, national or international law, or;
i) Upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party, or;
j) Delete or revise any Material posted by any other person or entity, or;
k) Manipulate or otherwise display the Web Site by using framing, mirroring or similar navigational technology or directly link to any portion of the Web Site other than the main homepage, www.chubb.com.sa, in accordance with the limited license and Web Site access outlined above, or;
l) Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Product or Service if you are not expressly authorized by such party to do so, or;
(m) Harvest or otherwise collect information about others, including e-mail addresses.
CHUBB reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the suspension or termination of the user’s access and/or account. CHUBB may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as may be expressly limited by the Chubb Online Privacy Statement, CHUBB reserves the right at all times to disclose any information as the Owner deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the CHUBB’s sole discretion.
SECURITY & CONTROL
Password Accounts, Passwords, and Security – If you have been given the option to open an account on this Web Site which will provide you with access to password protected portions of the site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify CHUBB of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. CHUBB will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by CHUBB or another party due to someone else using your account or password. You may not use anyone else’s account at any time, with or without the permission of the account holder.
Right to Monitor – CHUBB neither actively monitors general use of this Web Site under normal circumstances nor exercises editorial control over the content of any third party’s web site, electronic mail transmission, news group, or other material created or accessible over or through this Web Site. However, the CHUBB does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in CHUBB’s sole discretion, may be illegal, may subject to CHUBB liability, may violate these Terms of Use, or are, in the sole discretion of the CHUBB, inconsistent with the CHUBB’s purpose for this Web Site.
Hyperlinks to Third Party Web sites – This Web Site may contain hyperlinks to other sites owned and operated by parties other than CHUBB. Such hyperlinks are provided only for ready reference and ease of use. We do not control such websites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Web Site provides hyperlinks to other web sites that are not owned, operated or maintained by the CHUBB or its affiliates, you acknowledge and agree that CHUBB is not responsible for and is not liable for the content, products, services or other materials on or available from such web sites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party web sites or for any action you may take as a result of linking to any such web site. Any such web sites are likely to set forth specific terms of use and privacy policies that you should review. CHUBB is under no obligation to maintain any link on this Web Site and may remove a link at any time in its sole discretion for any reason whatsoever. Neither CHUBB nor its affiliates shall be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such web site.
No Chubb Editorial Control of Third Party Content; No Statement as to Accuracy – To the extent that any of the Content included in the Web Site is provided by third party content providers, CHUBB has no editorial control or responsibility over such Content. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Web Site are those of such third party suppliers. CHUBB does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Web Site or referenced content of service providers will not infringe rights of third parties not owned by or affiliated with Chubb.
Electronic Communications – When you visit this Web Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Modification of Content – CHUBB may, at its discretion, modify or discontinue any of the Products and Services, Content or Software, or any portion thereof, with or without notice. Neither the Owner nor its affiliates will be liable to you or any third party for any modification or discontinuance of any of the Products and Services, Content or Software.
GENERAL PROVISIONS
Disclaimer – Information contained on this Web Site has been prepared by the Owner as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Owner has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Web Site or any other web site maintained by the Owner.
Nothing herein is meant to state that a quote issued by a Chubb insurer may not be accepted by an insured or by a producer on the insured’s behalf. However, estimates, indications, or any other statements that are not clearly identified as bindable quotes may not be accepted. Quotes may be withdrawn or modified at any time prior to the policy inception date, subject to applicable law stated in Saudi Arbia.
The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant Product or Services agreement for complete terms, exclusions and conditions. Should you purchase a Chubb product from Chubb or a third party, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Web Site does not affect that purchase in any manner.
This Web Site may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model “what-if” scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report.
YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK. ALL CONTENT AND SOFTWARE ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS, AND THE OWNER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE OWNER MAKES NO WARRANTY THAT THE CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, NON-INFRINGING, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.
LIMITATION OF LIABILITY – YOU UNDERSTAND AND AGREE THAT THE OWNER WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF THE OWNER HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OF OR INABILITY TO USE THE WEB SITE, PRODUCTS AND SERVICES, CONTENT OR SOFTWARE, OR ANY OTHER MATTER RELATED TO THE WEB SITE, PRODUCTS AND SERVICES, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEB SITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE THE OWNER OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE
Indemnification – You agree to indemnify, defend and hold harmless the Owner, its affiliates and their officers, directors, employees, contractors, agents, licensors, service providers, subcontractors and suppliers from and against any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys’ fees and court costs, arising or resulting from your use of the Web Site or any violation of these Terms of Use. If you cause a technical disruption of the Web Site or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys’ fees and court costs, arising or resulting from that disruption. The Owner reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with the Owner in the defense of such matter.
Dispute Resolution-
The laws of the Kingdom of Saudi Arabia alone shall be applicable in all matters relating to disputes that may arise as a result of the use of this website, and you hereby agree to submit exclusively to the judicial authorities of the Kingdom of Saudi Arabia with respect to all claims and disputes arising out of your use of this website.
Without prejudice to the international responsibility, the visitor/user bears all responsibilities in the event of any dispute or claim arising due to a violation of the policies and terms of use or misuse of the website or any of its contents, in accordance with the international agreements.
The Arabic language will be the official language used to resolve any disputes arising from your use of the website or any of its contents. Without prejudice to the English language to resolve international disputes and claims
Governing Law- These Terms of Use are governed by the laws Stated in Saudi Arabia and the user shall be subject to the Anti-Cybercrime Law and personal data protection law stated in Saudi Arabia in the event of committing any breach described in that Law. The user shall be legally accountable in case he misuses the website.
Entire Agreement – These Terms of Use, the Chubb Online Privacy Statement, and other policies the Owner may post on this Web Site constitute the entire agreement between the Owner and you in connection with your use of this Web Site and the Content, and Software, and supersedes any prior agreements between the Owner and you regarding use of this Web Site, including prior versions of these Terms of Use. The Owner may update these Terms of Use from time to time by posting revised Terms of Use on this Web Site, without notice to you, and your subsequent use of the Web Site indicates your acceptance of and is governed by those new Terms of Use. These Terms of Use are effective until terminated or updated by the Owner, at any time without notice. In the event of termination, the disclaimers and limitations of liabilities set forth in these Terms of Use will survive. These Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Web Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Use, these Terms of Use will control. A printed version of these Terms of Use shall be admissible in judicial or administrative proceedings based on or relating to use of the site to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.