This website is maintained by Hudson Insurance Group (“Hudson”) on behalf of itself and its affiliates. Your use of this website is subject to the terms and conditions (collectively the “Terms”) set out below. By accessing, browsing or using this website, you acknowledge that you have read, understood and accept these Terms and Hudson’s Privacy Policy, which is incorporated herein by reference, and agree to comply with all applicable laws and regulations.
The material on this website is divided between general content for guests and certain services, features and content for registered users (including policyholders and agents). Additional terms and conditions may apply to specific portions, services or features of this website. All such additional terms and conditions are hereby incorporated by reference into these Terms.
Disclaimer of Warranty
This website and the information provided herein, including any references to Hudson’s products and services, are provided “as is” without any warranty or implied term of any kind. Hudson will make reasonable efforts to maintain accurate, reliable and current information on the website, but makes no warranty or representation as to the completeness or accuracy of such information. You understand and acknowledge that this information may be incomplete, may contain errors or may have become out-of-date. Hudson makes no commitment, and expressly disclaims any duty, to update any information or reports contained on the website. Hudson reserves the right to modify these Terms and to add, modify or delete any information on this website at any time without notice. All changes are effective immediately when Hudson posts them and apply to all access to and use of this website thereafter. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.
No Advice
This website is not intended to provide specific insurance, reinsurance or other advice for any individual or business entity and should not be relied on for such. Persons seeking insurance or other advice should contact a licensed professional, such as an independent insurance or reinsurance broker, who can take their individual circumstances into account.
Intellectual Property
The materials contained on this website, including its design and images, information and other content, are the property of Hudson and are protected by copyright, trademarks, trade names, service marks and other intellectual property and proprietary rights.
No material from this website may be copied, reproduced, downloaded, published, broadcast or distributed, in whole or in part, other than for your own non-commercial reasons, without the express written consent of Hudson.
Safe Harbor
This website may from time to time contain information that may constitute forward-looking statements and such statements are made pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of Hudson to be materially different from any future results, performance or achievements, expressed or implied, by such forward-looking statements. Such factors include, among others, the occurrence of catastrophic events with a frequency or severity exceeding Hudson’s estimates; the lowering or loss of one of Hudson’s financial or claims-paying ratings, including those of Hudson’s subsidiary companies; changes in interest rates; changes in premium volumes; increased competition; regulatory and legislative changes; changes in loss payment patterns; changes in estimated overall adequacy of loss and loss adjustment expense reserves; changes in key management personnel; changes in general market or economic conditions; and other factors which are described in Hudson’s filings with its regulators.
Nothing in this website is intended to provide any investment recommendation, advice or service or to constitute an offer to buy or sell any securities or financial instruments.
Use of this Website
You are responsible for obtaining access to use this website and that access may involve third party fees (such as internet service provider or airtime charges). You are responsible for those fees. In addition, you must provide and are responsible for all equipment necessary to access this website and are responsible for ensuring that all persons who access the website through your internet connection are aware of the Terms and comply with them.
In consideration of your use of this website, you agree that you are at least eighteen (18) years of age and that you are of sound mind to form a binding contract with Hudson and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the website. To access some of the resources this website offers, you may be asked to provide certain registration details or other information. If prompted by a registration form, you agree to provide true, accurate, current and complete information about yourself and agree to maintain and update this information to ensure it remains true, accurate, current and complete. Without limiting any available remedy, if any information provided by you is untrue, inaccurate, not current or incomplete, your account may be terminated. You agree that all information you provide to register with this website or otherwise including, but not limited to, the use of any interactive features on this website, is governed by Hudson’s Privacy Policy and you consent to all actions Hudson takes with respect to your information consistent with Hudson’s Privacy Policy.
If you are provided with a user name, password or any other piece of information as part of Hudson’s security procedures, you must treat such information as confidential and not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this website or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer, in order that others are not able to view or record your password or other data containing confidential or personally identifying information (also referred to as Confidential Personal Information, or “CPI”). You also agree not to resell or transfer your user name or password or your use of or access to this website.
You may use this website only for lawful purposes and in accordance with the Terms. You agree not to use this website:
- in any way that violates any applicable laws or regulations;
- to transmit or procure the sending of any advertising or promotional material, including any “junk mail,” “chain letter” or “spam” or any other similar solicitation;
- to impersonate or attempt to impersonate Hudson, an Hudson employee, another user or any other person or entity; or
- to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of this website or which, as determined by Hudson, may harm Hudson or users of this website or expose them to liability.
Additionally, you agree not to:
- use this website in any manner that could disable, overburden, damage or impair the site or interfere with any other party’s use of the website;
- use any robot, spider or automatic device, process or means to access this website for any purpose, including monitoring or copying any of the material on the website;
- use any manual process to monitor or copy any of the material on this website or for any other unauthorized purpose;
- use any device, software or routine that interferes with the proper working of this website;
- introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful;
- attempt to gain unauthorized access to, interfere with, damage or disrupt any part of this website, the server on which this website is stored or any server, computer or database connected to this website;
- attack this website via a denial-of-service attack or distributed denial-of-service attack; or
- otherwise attempt to interfere with the proper working of this website.
Hyperlinks
Links on this website to other websites not under the control of Hudson are provided solely for your convenience. Hudson is not responsible for and cannot guarantee the quality, accuracy or timeliness of those websites. You agree that you visit any and all such linked websites at your own risk and that it is your responsibility to take all necessary protective measures against computer viruses, worms and any other cyber-security risks. You acknowledge that Hudson’s linking to such websites does not represent or constitute an endorsement or adoption by Hudson of the views expressed or of the products and services sold on those websites. Questions about the content of those websites should be directed to their respective authors.
A hypertext link from your website(s) to this website is not permitted, unless Hudson has provided prior written permission. To request such permission, please send a message via e-mail to communications@odysseygroup.com.
Limitation of Liability
In no event will Hudson or any of its affiliates have any responsibility or liability to any party for any damages of any kind arising out of or in any way involving: (i) your access to or use of this website, including your downloading of any document from this website; (ii) your failure to be able to access the website; (iii) your reliance upon any of the information provided on this website; or (iv) your accessing of any other website not under the control of Hudson by means of a hyperlink located on this website.
Other Important Information
These Terms will be governed by and construed in accordance with the laws of the State of New York of the United States of America (“U.S.”) without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or involving these Terms shall be filed only in the state or U.S. federal courts located in New York and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, that provision shall be deemed severable from the remainder of the Terms and shall not affect the validity and enforceability of any remaining provisions.
You agree that, regardless of any statute or law to the contrary, any claim or cause of action arising out of or involving use of the website, the Terms or the Privacy Policy must be filed within one (1) year of such claim or cause of action arising or it will be forever barred.
The failure of Hudson to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
If there is a conflict between these Terms and additional terms available within a particular part of this website, those additional terms will prevail for that conflict.
Privacy
Hudson is committed to protecting the CPI of its customers. For more information, please read Hudson’s Privacy Policy.
Legal Notice
Hudson Insurance Company is a Delaware domiciled company, with its principal place of business at 100 William Street, New York, NY 10038.