NORTH ASSURANCE'S GENERAL TERMS & CONDITIONS



OFFICES
North Assurance s.a.l., Sin el-Fil Blvd, Freeway Tower, Beirut, Lebanon
This Internet site is accessible at the URL http://www.northassurance.com

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following Terms & Conditions, which together with our Privacy Policy govern North Assurance s.a.l.’s relationship with you in relation to this website. We may change these Terms & Conditions from time to time without notice to you. You should review these Terms & Conditions each time you use this site to make sure you agree to them. By using this site after changes have been made to these Terms & Conditions, you are agreeing to accept and comply with those changes.

COPYRIGHT AND INTELLECTUAL PROPERTY
The intellectual property rights in this website and the materials on or accessible via it belong to North Assurance s.a.l. and its affiliates. Other images or materials for which the copyright is owned by third parties are the proprietary marks of third parties. This site is protected by national and international legislations relating to the right on the intellectual property. No permission is granted to copy, distribute, modify, post or frame any text, trademarks, graphic designs, photographs, domain name or logos. Website edited by FP netWorth Sal (Offshore). Graphic Design by Mikaël Raad. Information appearing on the site is intended strictly for personal use by the users and may not be reproduced, communicated to third parties or used in whole or in part for either commercial or non-commercial purposes. Any reproduction or, more broadly, any unauthorized use of the site or of information presented thereon becomes the responsibility of the user and may entail legal proceedings, particularly for infringement.

USE OF THIS WEBSITE
Deliberate misuse of any element of this website including, without limitation, hacking, introduction of viruses or similar code, disruption or excessive use or any use in contravention of applicable law, is expressly prohibited and we reserve the right to terminate your access to the website, and at our discretion, pass information to the legal authorities. The user acknowledges that he has checked that his computer set-up for accessing the site contains no viruses and is in good working order.

DISCLAIMER/EXCLUSIONS AND LIMITATIONS OF LIABILITY
All information on this site, including but not limited to graphics, text and links to other sites, is provided "as is" and is subject to change without prior notice. The content of the pages of this website is for your general information and use only. The information is provided by North Assurance s.a.l. and while we endeavor to keep the information up to date and correct, we cannot guarantee that all information is transcribed onto the website without risk of material error. We expressly disclaim any liability for errors or omissions therein. Any reliance you place on such information is therefore strictly at your own risk. The user acknowledges that he has been informed that the site is accessible 24 hours a day, 7 days a week except in the event of force majeure, computer problems, problems related to the telecommunications network or other technical difficulties. North Assurance s.a.l. takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

LINKS TO OTHER WEB SITES
This website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the websites. We have no responsibility for the content of the linked websites. We encourage you to read the terms of use and privacy statements of these linked sites as their policies may differ from ours. By providing access to other websites, we are not recommending the purchase or sale of products or services provided by the website's sponsoring organization.

CONFIDENTIALITY AND INTEGRITY
For your protection, we require the use of encryption technologies for certain types of communications conducted through this Website. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. It is to be borne in mind that confidentiality and data integrity are not assured on the Internet, consequently, the messages which a user sends electronically can be intercepted and/or changed. We will not be responsible for any loss or damage that could result from interception by third parties of any information you send via e-mail.

INDEMNIFICATION
You agree to defend, indemnify and hold us harmless from and against any and all claims, losses, liability, costs and expenses (including, but not limited to, attorneys’ fees and costs) arising from your violation of these Terms & Conditions, applicable laws, violation of any proprietary right and any invasion of any privacy rights.

APPLICABLE LAW
Your use of this website and any dispute arising out of such use of the website is subject to Dutch law and jurisdiction. English is its official language.

If you have any questions or comments about these Terms & Conditions, please contact: info@northassurance.com