Zurich Insurance AG - Terms of Use (the "Terms")
Zurich Insurance AG maintains the www.benelux.zurich.com website.

Please read the following information carefully before using our website. If you do not agree to be bound by these Terms you must stop using this website immediately.

1. Changes to Terms

We reserve the right to make any changes to these Terms at any time. Please check this page regularly for any changes.

2. Privacy

We are committed to safeguarding the privacy of our customers. Please click herefor our policy in relation to privacy and how we use any data you supply us.

3. International Use

We make no representation that materials on our website are appropriate or available for use in locations outside Belgium or the Netherlands, and accessing our website from territories where its contents are illegal or unlawful is prohibited. If you choose to access our website from locations outside outside Belgium or the Netherlands, you do so on your own initiative and are responsible for compliance with local laws.

4. Access to our website

Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet - whether from us to you or from you to us. Due to the nature of the internet and the fact that your access to our website involves features outside our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use the 'contact us' facility on this website.

5. Intellectual property

Unless we have clearly stated otherwise, all intellectual property rights are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website. You may not copy or distribute our website, except for your own personal use, in whole or in part, without our prior written consent. Zurich and/or other Zurich marks referenced on our website are trade marks (registered or otherwise) which belong to companies within the Zurich Financial Services group in Belgium or the Netherlands and/or other countries. You may not use such trade marks without our prior written consent. Other product and company names reproduced on our website may be the trade marks (registered or otherwise) of their respective owners.

6. Hyperlinks

You may not create a hyperlink to this website without our prior written consent. In order to provide you with the best web-based service, we have included within our website several links to other websites. We cannot be responsible for those websites and their content which are beyond our control and we make no representation as to their quality, suitability, functionality or legality and you waive any claim you may have against us with respect to such websites.

7. User conduct

When accessing or using any service provided on this website, you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.

8. Disclaimer

Whilst we have taken all reasonable care to ensure the information contained within these pages is accurate we do not guarantee the accuracy or completeness of any information contained on or provided in connection with our website. We are not responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with our website. You are responsible for the security of any data which you transfer to or from our website.We shall not be responsible for any loss or damage caused, directly or indirectly, by your use of our website or the information contained on our website. We disclaim all conditions, warranties, or other terms whether expressed or implied by statute, custom or usage relating to the information contained in or omitted from the service offered via our website.

9. Limitation of Liability

We shall not be liable for any direct, indirect, incidental, special or consequential damages or for loss of profit or opportunity, whatsoever, whether in contract, tort or otherwise arising from (1) the use of our website or the information contained on our website or (2) the inability to use our website or (3) unauthorised access to or alteration of your transmissions or data or (4) third party services outside our reasonable control (including, but not limited to, telephone and browser services), whether such services are used by you to access our website or used by us to comply with your instructions.For the avoidance of doubt, this provision shall apply whether or not the relevant loss or damage arises by reason of our negligence.

Nothing in these Terms should exclude our liability to you in the tort of deceit or for personal injury or death caused by our negligence.

10. Indemnity

You shall be liable to us for any loss we suffer as a result of your use of our website or any breach of these Terms by you.

11. Miscellaneous

If a competent authority finds any or part of these Terms invalid, unlawful or unenforceable to any extent, we shall delete the relevant term or part from the remaining Terms which shall continue to be valid and enforceable to the fullest extent permitted by Belgian and/or Dutch law.

No act, omission or delay by us shall be a waiver of our rights or remedies under these Terms unless otherwise agreed in writing by us.

We may assign our rights and obligations under these Terms and upon such assignment we may be relieved of any further obligation to you under them.

These Terms are governed by and construed in accordance with Belgian and/or Dutch. For our exclusive benefit should a dispute arise connected with you using our website, it shall be resolved through the exclusive jurisdiction of courts in Brussels, Belgium or The Hague, the Netherlands.

Zurich Insurance AG, a public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Frascati Road, Blackrock, County Dublin, A94 X9Y3, Ireland and is authorized by the Central Bank of Ireland. The Belgium branch is also subjected to limited regulation by the FSMA (http://www.fsma.be/en.aspx) and is registered under no. 2079 having its seat at Da Vincilaan 5, 1930 Zaventem, Belgium. The Netherlands Branch is also subjected to limited regulation by the AFM (http://www.afm.nl/en) and is registered under no. 11000386 having its seat at Prinses Margrietplantsoen 65, 2595BR The Hague, the Netherlands. Further details are available from us on request. These details can also be checked on the website mentioned.

Communications may be monitored or recorded to improve our service and for security and regulatory purposes.

12. Third Party Account (Stichting Derdengelden)

Pursuant to article 7.4 sub 2f of the Code of Conduct of the Netherlands Legal Profession (Verordening op de Advocatuur) we inform you that mr. G. Lee and mr. I. Ghazarian do not have a Third Party Account (Foundation).

13. Practice areas

Mr T.Y.G. Lee has registered the following principal (and secondary) legal practice areas in the Netherlands Bar’s register of legal practice areas (rechtsgebiedenregister):

• Insurance Law.

Based on this registration, he/she is required to obtain ten training credits per calendar year in each registered principal legal practice area in accordance with the standards set by the Netherlands Bar.