本網站是由美商安達產物保險股份有限公司台灣分公司以及其他同屬於安達保險集團(Chubb Group)之成員公司(以下簡稱「我們」)擁有及維護。安達保險集團是由 保險及再保險公司組成，已取得營業執照或以其他方式獲批准在不同國家進行保險及／或再保險業務。安達保險集團亦包括向保險業及其他客戶提供服務之公司。 有限使用本網站－ 我們謹此授予您非專屬有限及個人許可存取本網站及作個人使用，但不可下載(除網頁暫存外)或修改本網站任何部分，惟獲我們書面同意者除外。該授權並不...
安達產物保險股份有限公司台灣分公司 網路保險服務契約（契約審閱期間至少五日）
第一條 契約之適用範圍
當事人間依電子簽章法及相關法令之規定從事保險電子交易者，適用本契約之約定。但個別網路保險服務契約對消費者之保護更有利者，從其約定。
第二條 名詞定義
x契約之名詞定義如下：
一、「保險電子交易」：指消費者經由網際網路與本保險公司資訊系統電腦連線，且利用電子簽章或其他足資辨識消費者身分之方式，直接取得本保險公司所提供之各項保險服務。
二、「電子訊息」：指本保險公司或消費者經由網際網路連線傳遞之訊息。
三、「數位簽章」：指將電子文件以數學演算法或其他方式運算為一定長度之數位資料，以簽署人之私密金鑰對其加密，形成電子簽章，並得以公開金鑰加以驗證者。
四、「私密金鑰」：指一組具有配對關係之數位資料中，由簽章製作者保有之數位資料，該數位資料係作電子訊息解密及製作數位簽章之用。
五、「公開金鑰」：指一組具有配對關係之數位資料中，用以對電子訊息加密、或驗證簽署者身分及數位簽章真偽之數位資料。
六、「加密」：指利用數學演算法或其他方法，將電子文件以亂碼方式處理。七、「電子簽章」：指依附於電子文件並與其相關連，用以辨識及確認電子文件
簽署人身分、資格及電子文件真偽者。
八、「憑證」：指載有簽章驗證資料，用以確認簽署人身分、資格之電子形式證明。
九、「資訊系統」：指產生、送出、收受、儲存或其他處理電子形式訊息資料之系統。
第三條 x線所使用之網路
x保險公司及消費者應各自與網路業者簽訂網路服務契約，並各自負擔網路使用之費用。
第四條 網頁之確認
消費者與本保險公司交易前，應先確認本保險公司正確之網址。本保險公司應盡善良管理人之注意義務，隨時維護網站的正確性與安全性，以避免消費者之權益受損。
第五條 電子訊息之接收與回應
x保險公司接收含數位簽章或經本保險公司及消費者同意用以辨識身分之電子訊息後，應立即以下列方式之一要求消費者再確認：
一、以資訊系統自動回覆通知消費者。
二、以資訊系統再次確認裝置提示消費者。
經消費者依前項規定再確認者，該項電子訊息視為已經本保險公司受理。本保險公司受理消費者之電子訊息後，應即時進行檢核或處理，並於三日內將結果通知消費者。
本保險公司應於同意承保後，將網路保險交易成功訊息（內容包含保險單號碼或交易序號、保險單生效時間、保險金額等重要資訊）傳送予消費者。本保險公司同意承保後，保險契約即為成立。
本保險公司或消費者接收來自對方任何電子訊息，若無法辨識其身分或內容時，視為傳送作業未完成。但本保險公司可確定消費者身分時，應立即將內容無法辨識之事實通知消費者。
第六條 電子訊息之不處理
有下列情形之一者，本保險公司得不處理任何接收之電子訊息：
一、 本保險公司能舉出證據有具體理由懷疑電子訊息之真實性或所指定事項之正確性者。
二、 本保險公司依據電子訊息處理，將違反相關法令或保險契約之規定者。
本保險公司不處理前項電子訊息者，應同時將不處理之具體理由及情形通知消費者。
第七條 消費者軟硬體安裝與風險
消費者申請使用本契約之服務項目，應自費安裝其所需之電腦軟體、硬體，以及其他與安全相關之設備。
消費者於使用本保險公司所交付之軟硬體設備時，如因可歸責於本保險公司之事由致受有損害，得向本保險公司請求賠償。
第八條 消費者之注意義務
消費者對使用者帳號、密碼、憑證及相關文件，應妥善保管。
消費者輸入前項密碼連續錯誤達三次時，本保險公司資訊系統即自動停止消費者使用本契約之服務。消費者如擬恢復使用，應向本保險公司提出申請。
第九條 交易核對
x保險公司於每筆交易指示處理完畢後，以電子訊息或雙方約定之方式通知消費者，消費者應核對其結果有無錯誤。如有不符，應於通知到達之日起四十五日內，通知本保險公司查明。
本保險公司對於消費者之通知，應即進行調查，並於通知到達本保險公司之日起四十五日內，將調查之情形或結果覆知消費者。
第十條 電子訊息錯誤之處理
消費者利用本契約之服務，如其電子訊息因不可歸責於消費者之事由而發生錯誤者，本保險公司應協助消費者更正，並提供其他必要之協助。
前項服務因可歸責於本保險公司之事由而發生錯誤者，本保險公司應於知悉時，立即更正，並同時以電子訊息或雙方約定之方式通知消費者。
第十一條 電子文件之合法授權與責任
雙方應確保所傳送至對方之電子訊息均經合法授權。
雙方於發現有第三人冒用或盜用使用者帳號、密碼、憑證或其他任何未經合法授權之情形，應立即以電話或書面或其他約定方式通知他方停止使用該服務並採取防範之措施。
本保險公司接受通知前，已依前項服務之指示為給付者，得對抗消費者。但本保險公司有故意或過失者不在此限。
第十二條 資料安全
x保險公司對於所保有消費者及其利害關係人之個人資料檔案，應採取適當之安全措施，防止個人資料被竊取、竄改、毀損、滅失或洩露。
本保險公司違反前項規定，致個人資料遭不法蒐集、處理、利用或其他侵害當事人權利者，應負損害賠償責任。但能證明其無故意或過失者，不在此限。
第十三條 資訊保密義務
x保險公司因處理本契約及基於本契約所從事之保險電子交易，所取得之相關資
料負有保密義務。除經當事人同意或符合個人資料保護之相關法令規定外，本保險公司不得使用於與本契約無關之目的或對第三人揭露。
第十四條 損害賠償責任
因本契約雙方之故意或過失，就本契約傳送或接收電子訊息，有遲延、遺漏或錯誤之情事；或就本契約所生義務之不履行或遲延履行，而致他方受有損害時，應負賠償責任。
第十五條 紀錄保存
雙方應保存所有保險電子交易訊息（不含查詢類）紀錄，並應確保其真實性及完整性。
本保險公司對前項紀錄之保存，應盡善良管理人之注意義務。
保存期限至少為保險契約有效期限屆滿或通知消費者不同意承保後五年。第十六條 電子訊息之效力
雙方同意依本契約利用電子簽章或電子文件方式交換之電子訊息，其效力與書面簽署或書面文件相同。
第十七條 消費者終止契約
消費者得隨時通知本保險公司終止本契約。第十八條 保險公司終止契約
x保險公司欲終止本契約時，須於終止日三十日前以書面通知消費者。但消費者如有下列情事之一者，本保險公司得隨時以書面通知消費者終止本契約：
一、消費者未經本保險公司同意，擅自將本契約之權利或義務轉讓第三人。二、消費者受法院破產或重整宣告。
三、消費者違反本契約第十二條第一項之規定。
四、消費者違反本契約之其他約定，經催告改善或限期請求履行未果。第十九條 通知處所
消費者或本保險公司就本契約事項對他方為通知者，應向他方所留存本契約之最後地址或電子郵件信箱為之。
第二十條 法令適用
x契約準據法，依中華民國法律。第二十一條 管轄法院
因本契約涉訟者，雙方同意以消費者住所地地方法院為第一審管轄法院。消費者之住所在中華民國境外時，以臺灣臺北地方法院為第一審管轄法院。但不得排除消費者保護法第四十七條及民事訴訟法第四百三十六條之九小額訴訟管轄法院之適用。
第二十二條 契約修訂
x契約如有未盡事宜，得經本保險公司及消費者協議補充或修正之。第二十三條 契約分存
x契約壹式貳份，由雙方各執壹份為憑。
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商標及服務標章－某些商標，包括「CHUBB」、「ESIS」及「WestChester」，均為集團母公司 Chubb Limited 或其他安達保險成員公司的服務標章。本網站 (www.acegroup) 的網域名稱、安達的標誌、所有首頁、自定圖形、按鈕圖標均為我們的服務標章、商標、標誌及／或商業外觀。在網站內的所有其他商標、服務標章、商業外觀、產品名稱、公司名稱或標誌，無論註冊與否，均為我們之財產。除遵守所有適用的法律外，您同意未經我們事前書面同意，您將不會使用從本網站獲得的任何此類商標、服務標章、商業外觀或其他標誌。
通過本網站提交資訊的所有權－ 除了任何您提交(須按照隱私權政策)的個人資訊符合個人資料保護法定義之「個人資料」資訊，以及在以下內部網域所述之情形外，您通過本網站傳送任何其他資訊，不論是否直接輸入、提交、電子郵件或其他方式，包括數據、問題、意見或建議，將被視為非機密及非專有，並屬於我們的財產。這些資訊可用於任何目的，包括但不限於轉載、招攬、揭露、傳播、出版、廣播及刊發。我們可任意使用您通過本網站或以其他任何方式發出任何通訊予我們所載的任何意見、概念、知識或技術，不論作任何用途，包括但不限於使用這些資訊開發及營銷產品。根據本使用條款，就您通過本網站或以其他方式傳輸給安達保險的任何資訊（除個人資料），您放棄所有您可能擁有的權利。然而本條款不會修正我們與合作保經代所簽合約內關於客戶資料擁有權之約定。
安達保險內部網域 – 安達保險可能會利用內部網域讓合作保經代可以傳送資訊給我們，以便對於合作保經代或其客戶提供報價。合作保經代提供資訊時，應盡到善良管理人之注意義務以確保該資訊為真實且正確。我們可能所傳送之資訊提供報價、估價或理算。我們亦可決定根據該資訊內容來核發保單或提供相關服務。我們利用該資訊所提供之所有服務，包括但不限於報價、估價、要保書或保單，均為我們的財產。
專有軟體－通過本網站取得的任何軟體均是我們或其供應商的財產，並受美國、中華民國之專利法及著作權法及國際條約保護。您不得使用該軟體而用途是有別於導航及利用通過本網站提供擬定用途的功能。您同意不複製、分發、公開展示、更改、修改、反譯、分解、逆向工程或其他方式試圖找出軟體的源代碼。此外，當您使用服務及內容時，您同意只在通過本網站提供的並為此而設的介面(而非循其他方式)上使用有關服務及內容。
本網站所提供的軟體由我們擁有或經授權使用，並可能包含須美國、中華民國及其他國家及管轄領域內出口管制法律及法規嚴格控制的技術。您不得複製、轉讓或出口這些軟體而違反適用的出口法律及法規。我們並無授權從本網站下載或出口任何軟體或技術數據予受出口管制法律及法規禁止的任何管轄領域。
禁止使用－嚴禁任何使用或擬使用本網站如進行該行為會：(i)涉及任何非法、未 經授權、欺詐或惡意的目的，或 (ii)可能損壞、超過負荷或損害任何伺服器或連 接到任何伺服器的網路或令其失效，或 (iii)干擾任何其他方使用及享受本網站， 或 (iv)取得未經授權而通過駭客、密碼挖掘或任何其他方式連接至任何其他帳戶、電腦系統或連接到任何伺服器或系統的網路，或(v)連接至我們不擬用戶瀏覽的 系統、數據或資訊，或 (vi)嘗試通過我們不擬提供的方式獲取任何資料或資訊， 或 (vii) 擬作商業目的以外的任何使用。
此外，您一旦連線使用本網站，您即同意您將不會：
a) 上載或發送任何消息、資訊、數據、文字、軟體或圖像，或其他內容(「資料」)而屬非法、有害、威脅、辱罵、騷擾、侵權、誹謗、粗俗、情色、中傷、誹謗或以其他方式可予反對，或可能侵犯他人的隱私權或宣傳權：
b) 建立虛假身份以誤導他人或冒充任何人士或實體，包括但不限於任何安達保險業務人員，或冒用聲明或誤傳為您與某人士或實體的關係：
c) 上載或傳送根據任何法律或按照合同或信託關係(如保密協議)您沒有權利複製、展示或傳播的任何資料：
d) 上載檔案載有病毒、木馬程式、破壞程式、定時炸彈、刪除蠅、機器人、損壞的文件，或任何其他類似軟體或程式而可能損害他人電腦或其他財產的運作：
e) 刪除您上載到任何通訊功能的任何作者權、法律通知或專有名稱或標籤：
f) 以不利影響其他用戶獲得本網站資源的方式使用本網站的通訊功能（如「過度呼喚」(excessive shouting)、使用全部大寫(use of all caps)，或大量不斷重複張貼文本）：
g) 上載或傳送任何未經請求的廣告、宣傳資料、「垃圾郵件」、「濫發」、「連鎖信」、
「傳銷」或任何其他形式的邀約、商業或其他用途：
h) 違反任何適用的當地或國際的法律：
i) 上載或傳送侵犯任何一方的任何專利、商標、服務標章、商業秘密、著作權或其他專有權利的任何資料：
j) 刪除或修改任何其他人士或實體張貼的任何資料：
k) 操縱或以其他方式展示本網站而根據上述標題為「有限授權及瀏覽網站」指引使用框架(framing)、鏡像(mirroring)、網站或類似的導航技術或直接連接到網站的任何部分(而非主頁)：或
l) 註冊、訂閱、嘗試註冊、嘗試訂閱、退訂，或嘗試退訂產品或服務任何一方，倘您沒有明確授權由該方如此行事：或
m) 收取或以其他方式收集有關他人的資訊，包括電郵地址。
我們有權採取其認為適當的一切合法的行動以回應實際或涉嫌違反上述規定之事宜，包括但不限於暫停或終止用戶瀏覽及／或帳戶。我們可與執法機關及／或第三方合作調查任何懷疑或被指控的刑事罪行或民事過失。除非隱私權政策明確限制者外，我們有權在任何時候透露我們認為有必要的任何資訊，以符合任何適用法律、法規、法律程序或政府要求，或編輯、拒絕張貼或刪除任何資訊或資訊 (全部或部分)，均由我們全權決定。
安全及控制
帳號、密碼及安全－倘若您選擇在本網站上開立帳號，提供您以密碼方式存取網站內容，您必須根據我們所提供最新且正確的資訊完成申請書註冊，並選擇適當之用戶名稱及密碼。您對於密碼及帳戶之保密，以及帳戶之使用狀況有完全之責任。您同意(a)：當您發現有任何未經授權使用帳戶或其他帳戶安全問題，將立即通知我們，以及(b)使用完畢及登出帳號。我們對於其他人使用您的密碼或帳戶所導致之結果不負擔任何責任，無論您是否知悉該使用。然而，您應負責賠償其他人使用您的帳號或密碼造成我們或其他第三人之損失。此外，無論帳號擁有人是否同意，您都不得使用他人之帳號。
有權監督－我們在正常情況下並無積極監察本網站的一般使用情況，亦沒有對網站任何第三方的內容、電子郵件傳輸、新聞組，或產生或從網站取得其他資料使用編輯控制權。然而，我們有權在任何其認為適當的時間監督使用情況，並在我們全權決定下清除本網站可能屬於非法、造成我們負擔賠償責任、違反本使用條款，或在我們全權決定下不符合我們的網站的目之任何資料。
超連結到第三方網站－本網站可能載有超連結連接到由我們以外的各方擁有及經營的其他網站或網頁。這些超連結僅供參考，提供方便及易於使用。我們提供連接至這些網站或網頁，並不構成我們對這些網站或網頁、其我們或其提供方的認可、授權、贊助或附屬。我們並不控制這些網站，並未核實其內容、不會承擔其內容或準確性的責任，除非我們特別說明，否則不會認可這些網站或網頁。如果本網站提供超連結至並非由我們或分支機構在其與我們處於僱傭關係或為我們提供服務期間擁有、經營或維護的其他網站或網頁，則您承認並同意（i）我
們就內容、超連結或與本網站連結的第三方網站或網頁的準確性、及時性、繼續可瀏覽性或存在性不會負責，(ii)我們就載於或從網站取得的內容、產品、服務或其他資料概不會負責及不承擔責任。我們就從第三方網站取得的任何資訊、產品、廣告、內容、服務或軟體或因您連結到這些網站而採取任何行動不承擔責任。任何這類網站可能載有具體的使用條款及隱私權政策，您應該細閱。我們沒有義務在本網站維持任何連結，且可以在任何時候全權決定以任何理由消除連結。可下載軟體網站連結僅為方便而提供，我們就與下載軟體有關的任何困難或後果均不會負責及不承擔責任。使用任何下載軟體均受到隨附或與軟體一併提供的許可協議條款(如有)的規限。我們或其關係企業就使用或依賴載於或透過任何網站取得的這類內容、產品、服務或其他資料所產生或聲稱產生的任何損害或損失毋須直接或間接負責或承擔賠償責任。
安達保險對於第三方內容並無編輯控制：並無保證其準確性－倘本網站包括的任何內容是由第三方內容供應商提供，安達保險對其內容並無編輯控制或會承擔責任。因此，任何意見、聲明、服務或第三方供應商在本網站上表達或提供的其他資訊均屬第三方所有。我們並不代表或認可而且不能保證任何意見、聲明或任何第三方提供的其他資訊的準確性、可靠性、及時性、甚至持續可瀏覽性或存在，或表示或保證您使用本網站顯示的內容或引用內容或服務，將不會侵犯安達的成員公司並不擁有或附屬的第三方之權利。
電子通訊 – 當您使用本網站或寄送電子郵件給我們您，您係以電子文件方式與我們聯繫。您同意我們以電子文件方式與您聯繫。我們將會用電子郵件或在本網站刊載通知答覆您。您同意我們用電子文件方式提供給您的合約、通知或其他通訊方式，可以符合法令規定應以書面為之者。
更新內容 – 我們得隨時更新或修正商品、服務內容或軟體之全部或一部，毋須事前通知。我們對於您或其他第三人無法繼續修正前之商品、服務內容或軟體，不負任何責任。隱私權政策－我們的隱私權政策聲明安達保險蒐集、使用及保護非公開之個人資訊，將有助於您了解我們如何保障及處理我們獲得的客戶資訊。我們敬請您閱讀我們的隱私權政策聲明。
一般約定
免責聲明－本網站所載的資訊均由我們編製，旨在方便用戶，其目的不是構成用戶可能依賴的意見或建議。我們已合理盡力蒐集、準備及提供高質素的資訊及資料，但並無保證或擔保本網站或任何我們維護的其他網站所載資訊之準確性、完整性或充分性。
以上聲明不代表用戶或保經代不能接受安達保險之報價。然而未經確認之報價、估價或理算，得根據所適用之法律，於接受前隨時撤回。
本網站所載之資訊及說明並不代表產品或服務之條款除外條款及條件之完整描述，僅提供為一般參考之用。請參考實際保單或有關產品或服務合約之全部條款、除外條款及條件。倘若您向安達保險或第三方購買安達保險的產品，應適用該交易的條款及條件，與您使用網站並無影響。
本網站為您提供規劃及教育工具，包括計算機。這些工具及計算機可以讓您模擬
「假設」情景，其結果是僅供參考，按確定的資訊及假設釐定，沒有任何保證所顯示結果的準確性或將要實現。此外，這些工具及計算機不屬於任何您可能已支付費用的規劃報告之一部分，即使工具及計算機包括由報告產生或載有的資訊。您使用本網站之風險由您個人承擔。本網站提供的所有內容及軟體是以「現狀」或「現有」基準提供。在適用法律許可的範圍內，我們明確地免除任何保證及條件，不論這些保證及條件是明示或默示，包括但不限於有關可銷售性或對某特定用途的適用性之擔保。我們不保證對於內容及軟體是否準確、及時、不間斷、不含病毒或其他將破壞您電腦系統、或任何這類問題會得到更正。
責任限制－您明白並同意，在適用法律許可的範圍內，我們將不會負擔任何直接、間接、偶然、附帶或懲罰性損失，包括但不限於失去產品、用途、或其他無形的損失，即使我們已獲知會有關這些損害的可能性，因您使用或無法使用本網站、產品及服務、內容或軟體而產生或與其有關之事項。您明白並同意您使用本網站的前提為，對於您使用本網站導致的任何損失或損害，您放棄任何權利直接控告我們或其關係企業或參加集體訴訟。
某些法規可能禁止責任限制、隱含擔保或除外某些責任，倘若您適用該等法規，則上述米則聲明或除外條款可能不適用於您。
賠償－您同意賠償、抗辯並讓我們、關係企業、董監事、職員、承包商、代理人、授權廠商、服務提供者、轉包商及供應商免於承擔任何損失、責任、費用、損害及支出，包括合理的律師費用及法院裁判費，由於您使用本網站或違反本使用條款所致。倘若您造成本網站或系統無法傳輸資料，您同意負擔因此所造成之任何損失、責任、費用、損害及支出，包括合理的律師費用及法院裁判費。我們保留權利並以自己之費用，承受訴訟或以其他方式控制您所引起之賠償責任，在此情況下，您同意與我們合作進行抗辯事宜。
本網站包括可由各方雙方當事人執行並具有拘束力之仲裁條款。
爭議解決－凡與本使用條款或與使用條款有關的爭議或請求，應仲裁方式解決。仲裁應提交於中華民國仲裁協會並依照其有效之仲裁規則進行，惟倘若您違反或威脅要違反安達保險之智慧財產權，我們將以假扣押或其他中華民國法院之救濟方式為之。所有爭議或請求將以單一仲裁方式解決，不會與其他第三人之爭議或請求合併解決之。仲裁地為台北，而仲裁判斷得在任何管轄領域內被執行。您或我們在仲裁程序完成前得依民事訴訟法保全程序之規定申請保障權利或財產。您同意仲裁判斷應提交於位於台灣台北之法院執行。
準據法、管轄領域－本使用條款之準據法為中華民國法律。倘若任何條款被具有管轄領域內之法院認為不合法或無法強制執行，亦不會影響其餘條款的效力及可執行性。本標題只是為了方便使用，沒有任何效力或作用。
國外用戶－本網站係由我們在中華民國境內製作。我們不擔保本網站之內容是否符合其他非中華民國之法規或存取本網站之內容是否合法。倘若會違反中華民國進出口相關法令，您不應使用本網站或出口本網站資料。倘若您在中華民國境外
使用本網站，您應該負責遵循該適用法規。
我們不擔保本網站之任何資訊、資料或形式/功能適合在其他管轄領域內之使用。本網站並非針對任何人，倘若在任何管轄領域（該人之國籍地或住居所地）內本網站之刊登或適用性及內容違反該當地法規。在有前述禁止或限制之情況下，該等人員不得存取或使用本網站。當存取或使用本網站，您為自發性使用且應單獨負擔遵循適用法規之責任。
全部協議－我們在本網站之使用條款、隱私權政策，以及其他政策構成我們與您之間就使用本網站、內容及軟體達成的整個協議，替代我們與您先前就使用本網站達成的任何協議，包括舊版本之使用條款。我們可隨時更新本使用條款，在本網站張貼更新之使用條款，而無需另行通知您，您後續使用本網站表示您接受更新之使用條款拘束。本使用條款將持續有效，直到我們在任何時間終止或更新為止，而不另行通知。如果終止，使用條款中規定的免責聲明及限制仍然有效。使用條款將被視為包括所有其他通知、政策、免責聲明及載於本網站的其他條款，惟倘其他條款與使用條款之間存有衝突，則以使用條款為準。根據或關於本網站之使用，本使用條款之列印版本得適用於法律或行政程序，同於在其他商業文件或記錄原本所保存之印刷版本。
版本差異 — 如本使用條款中、英文兩個版本有任何抵觸或不相符之處，應以英文版本為準。
最後更新日期：2016 年 5 月 2 日
ACCEPTANCE OF TERMS
This Web Site is owned and maintained by Insurance Company of North America, Taiwan Branch
and/or one or more of its affiliates (the "Owner", “we”, “us” or “our”) within the Chubb Group of insurance companies (collectively, “Chubb”). Chubb is composed of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and jurisdictions around the world. 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 Web Site (as well as any other web sites owned by Chubb) are subject to the following Terms of Use, as well as all applicable laws and regulations. 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 the Owner 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 Web Site is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Web Site.
ACCESS AND CONTENT
Limited License and Site Access – The Owner hereby grants you a limited license to access and make personal use of this Web Site but not to download (other than page caching) or modify it, or any portion of it, except with the express written consent of the Owner. This license does not include any resale or commercial use of this Web Site or its contents; any collection or use of any product listings, descriptions, or prices; any derivative use of this Web Site or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. Neither this Web Site 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 the Owner. 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 the Owner 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 their owners. Any unauthorized use terminates the permission or license granted by the Owner.
Availability of Products and Services –
Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site are not available to all users. Also, Products and Services may vary by jurisdiction and may
not be offered by all of the Chubb companies, nor are all Products and Services available or suitable for all jurisdictions. EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEB SITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY CHUBB. No security, insurance
product or other product or service is offered or will be sold by Chubb or, if sold by Chubb, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.
From time to time, as the context requires, “Chubb” or “Chubb Group” may be used to refer to combined financial results or aggregate activities of the members of Chubb. When so used, those references are not intended to infer that Chubb Limited or any other individual member company of Chubb conducted specific activities, had a particular licensing status in a jurisdiction or generated specific results.
Please contact a designated Chubb representative, your broker or agent to find out which Products and Services are available to you in your jurisdiction.
Safe Harbor Statement – This Web Site may from time to time contain forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995 (U.S.). That Act provides a statutory "safe harbor" for forward-looking statements. Any written or oral statements made by or on behalf of Chubb Limited or any of its subsidiaries or operating divisions reflect current views with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement.
Please refer to Chubb Limited's filings with the Securities and Exchange Commission, including the most recent Forms 10-K and 10-Q, and any Forms 8-K since the most recent Form 10-K, for further information on such uncertainties and inherent risks and the "safe harbor" under the Private Securities Litigation Reform Act of 1995.
OWNERSHIP & RESTRICTIONS
Copyright – Except as otherwise expressly stated, all Content and Software appearing on this Web Site are the copyrighted work of Chubb or third party content suppliers and are protected by U.S., Taiwan and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content and Software is also the exclusive property of Chubb and is protected by U.S., Taiwan and international copyright laws.
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 the Owner 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 the Owner. 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 the Owner 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 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 (xxx.xxxxxxxx.xxx), the Chubb logos, all page headers, custom graphics, and button icons
are service marks, trademarks, logos, and/or trade dress of Chubb. 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.
Information submitted via this Web Site – With the exception of any personal data or information you
submit (which shall be maintained in accordance with our Chubb Online Privacy Statement), and except
as otherwise stated below under “Internet Portals for Chubb Business,” any information you transmit to the Owner 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 the Owner. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. The Owner shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Owner 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.
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. Xxxxx’x work product developed from such information, including but not limited to quotes, estimates, applications, binders and policies, is the sole property of Chubb.
Proprietary Software – Any Software accessible through this Web Site is the property of the Owner or its suppliers and is protected by U.S. and Taiwan patent and copyright laws and/or international treaties. Any use of the Software by you other than as required to navigate and to utilize the intended functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Content by any means other than the interface provided by the Owner through this Web Site for your use in accessing the Content.
The Software provided on this Web Site is owned by or licensed to the Owner, and may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America, Taiwan and other countries and jurisdictions. You shall not copy, transfer or export such software in violation of such applicable export laws and regulations. The Owner does not authorize the downloading or exportation of any software or technical data from this Web Site to any jurisdiction prohibited by such export controls laws and regulations.
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;
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;
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);
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;
e) Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;
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);
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;
h) Violate any applicable local, state, national or international law;
i) Upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party;
j) Delete or revise any Material posted by any other person or entity;
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,
xxx.xxxxxxxx.xxx, in accordance with the limited license and Web Site access outlined above;
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.
The Owner 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. The Owner 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, the Owner 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 Owner'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 the Owner 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. The Owner 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 the Owner 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 – The Owner 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 Owner does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in the Owner's sole discretion, may be illegal, may subject the Owner to liability, may violate these Terms of Use, or are, in the sole discretion of the Owner, inconsistent with the Owner'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 the Owner. Such hyperlinks are provided only for ready reference and ease of use. We do not control such web sites 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 Owner or its affiliates, you acknowledge and agree that the Owner 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. The Owner 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 the Owner 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, the Owner 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. The Owner 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 – The Owner 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.
Privacy Policy – Our Privacy Policy describes Xxxxx’x collection, use and protection of nonpublic personal information and will help you understand how we secure and treat information that we obtain.
We urge you to read our Chubb Online Privacy Statement.
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.
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.
Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.
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.
This Web Site Contains a Binding Arbitration Provision Which May Be Enforced by the Parties.
Dispute Resolution – Any controversy or claim arising out of or relating to these Terms of Use or use of this Web Site shall be settled by binding arbitration in accordance with arbitration rules of the Chinese Arbitration Association of R.O.C, except that, to the extent you have in any manner violated or threatened to violate Xxxxx’x intellectual property rights, the Owner may seek injunctive or other appropriate relief in
any court in Taiwan, and you consent to exclusive jurisdiction and venue in such courts. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Taipei, Taiwan, and the judgment of the arbitrator may be entered and/or enforced in any jurisdiction competent to do so. Either you or the Owner may seek any interim or preliminary relief from a court of Taipei, Taiwan, as may be necessary to protect the rights or property of you or the Owner pending the completion of arbitration. You agree that any action to enforce this arbitration provision will be brought in the courts located in Taipei, Taiwan.
Governing Law; Severability of Provisions – These Terms of Use are governed by the laws of the Taiwan without regard to any conflicts of law provisions, unless such law cannot be applied in a particular jurisdiction under prevailing applicable law. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.
International Users – This Web Site is controlled and operated by the Owner from offices within Taiwan. We make no representation that materials at this Web Site are appropriate or available for use outside Taiwan or that access to the Content from all countries and/or territories is legal. You may not use the Web Site or export the Web Site materials in violation of Taiwan export laws and regulations. If you access this Web Site from locations outside Taiwan, you are responsible for compliance with all applicable laws and regulations.
Owner makes no representation that any information, materials or features/functions included are appropriate for use in any other jurisdiction. This Web 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 Web Site and its content is contradictory to local laws or regulations. Persons with respect to whom such restrictions or prohibitions apply must not access or use this Web Site. By accessing or using this Web Site you do so on your own initiative and are solely responsible for compliance with the applicable local laws and regulations.
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.
Last Updated: May 2, 2016