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Terms of Use

1. General

Please read these terms and conditions (the "Terms of Use") carefully as they apply to your access and/or use of any information, materials or features/functions included on this website and any subpages thereof ("zurich.com"). By accessing zurich.com, you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use zurich.com.

zurich.com is owned and operated by Zurich Insurance Company Ltd, an entity incorporated in Switzerland ("Zurich" or “we”).

2. Local access restrictions

zurich.com 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 zurich.com and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use zurich.com. You are accessing or using zurich.com on your own initiative and you are solely responsible for compliance with the applicable local laws and regulations that apply to you.

3. General disclaimer

THE MATERIAL AND INFORMATION ON ZURICH.COM ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE DISCLAIMED. NO REPRESENTATION OR WARRANTY IS MADE REGARDING CONTENT, FUNCTIONALITY, LINKS, OR COMMUNICATIONS AND NO REPRESENTATION OR WARRANTY AS TO DEFECTS OR ERRORS OR CORRECTION OF THE SAME, COMMUNICATION INTERRUPTIONS OR INTERCEPTIONS OR LOSS OF DATA, OR THE ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS ARE MADE.

In no event shall Zurich, nor any of its subsidiaries or affiliates, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use zurich.com or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through zurich.com or any website linked to or linking into zurich.com.

It is the responsibility of the user of zurich.com to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided on zurich.com is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment, medical, health or other professional advice, or as advice on specific facts or matters.

The information and features/functions contained on zurich.com are provided for your informational and educational convenience only. Nothing on zurich.com should be relied on in making any specific investment, financial planning or other decision. Users should always consider their overall personal circumstances, investment horizon and personal risk preferences. Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of zurich.com should consult their professional advisors with respect to their personal circumstances.

Although all reasonable steps have been taken to ensure that any health, medical and wellbeing information contained on zurich.com are accurate, safe, and up-to-date, no representation or warranty, express or implied, is made by Zurich as to the accuracy or completeness of the health, medical and wellbeing information and Zurich accepts no liability for any damage that may result directly or indirectly, from the use of such information. The contents on zurich.com and associated products (email, twitter feed, printed materials etc.) are intended for informational purposes only and do not act as a substitute for seeking medical advice, diagnosis, and treatment from a health or medical professional.

Please also check any disclaimers on or in respect of specific documents on zurich.com.

4. No offer

Nothing on zurich.com should be construed as a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction. For information about any specific products and/or country please visit the respective website. Nothing on zurich.com constitutes a promise or offer of employment.

5. Forward-looking statements

zurich.com may contain forward-looking statements. Forward-looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact. While such statements may represent Zurich's judgment and expectations as of publication, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from Zurich's expectations. Therefore, you must not place any reliance on forward-looking statements on zurich.com. Zurich is under no obligation to update or alter forward-looking statements on zurich.com whether as a result of new information, future events, or otherwise.

6. Intellectual property

"Zurich" and its logos are registered trademarks of Zurich. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout (including the " look and feel") contained on zurich.com are the exclusive property of Zurich, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained Zurich's express written consent (except for the below).

Nothing on zurich.com should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on zurich.com will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from zurich.com for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.

The copyright in some documents and other material available on zurich.com may belong to third parties and such documents and other material have been produced on zurich.com with the permission of the third party copyright owners. You must check copyright notices on or in respect of such documents or material.

7. Market data

Zurich uses zurich.com to provide investors with data relating to Zurich Insurance Group Ltd shares and possibly other Zurich Insurance Group instruments listed on the SIX Swiss Exchange or another Stock Exchange ("Market Data"). Zurich obtains such Market Data mainly through third party providers ("Market Data Provider"). Zurich can stop providing you with Market Data at any time without prior notice and at its sole discretion. The liability of both Zurich and the Market Data Provider for the accuracy or completeness of Market Data, for any delay or interruption of the supply of Market Data or for losses or damages that are incurred in any way in connection with the Market Data, including, but not limited to, any indirect or consequential loss or damage and lost profit, is excluded to the extent permitted by applicable law. All rights to the intellectual property of or in respect of Market Data shall be retained by Zurich or the relevant Market Data Provider, as the case may be. You have to strictly observe forwarding restrictions or any other restrictions applicable to the use of Market Data, if any, as indicated in such Market Data.

8. Links, Third-party content

The links from zurich.com to other websites are provided for your information and convenience only.

Zurich does not assume any responsibility or liability with respect to any website linked from zurich.com (or any website linking into zurich.com), including its content and operation. Zurich does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.

A link from zurich.com to another website (or a link from another website to zurich.com) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. Zurich believes that the links provided to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Some of the content on zurich.com may originate from third parties, not from Zurich. Such content is generally labelled as third party content. Zurich does not verify third party content and neither endorses nor rejects the same. Zurich does not and cannot guarantee the accuracy of any third party content and assumes no liability in connection thereto.

9. Privacy, cookies

Please refer to the separate statements/polices on Privacy and Cookies, which are incorporated into these Terms of Use by reference.

10. Submissions to this site; monitoring

Except as provided by law and subject to our privacy and data protection policy (see section above), all submissions or transmissions made to or through zurich.com shall become the property of Zurich. Zurich reserves the right to use any material (e.g., any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.

Zurich is not obligated to monitor any submissions or transmissions to or through zurich.com or any website to which zurich.com links or that links into zurich.com. Zurich, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and Zurich.

11. User Conduct

When accessing or making use of any part of zurich.com, you may not:

Post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law;
Post or transmit any information or software which contains a virus, worm, trojan horse or other harmful component;
Interfere with the functioning of zurich.com or restrict or inhibit any other user from using zurich.com;
Post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through zurich.com for commercial purposes without the prior written consent of Zurich;
Post or upload content on zurich.com, in which you don't own the respective rights.

You will indemnify Zurich for any costs or damages that Zurich incurs as the result of any such inappropriate content per the above being uploaded by you.

ANY ATTEMPT BY ANY PERSON TO DAMAGE THIS SITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. ZURICH RESERVES THE RIGHT TO TAKE LEGAL ACTION AGAINST ANY SUCH PERSON.

12. Applicable law and jurisdiction

zurich.com and any controversy or claim in connection with it is governed by the substantive laws of Switzerland, without reference to its principles of conflicts of laws. The exclusive place of jurisdiction is Zurich (City), Switzerland.

These Terms of Use are subject to amendments and changes at any time at Zurich's sole discretion. Accordingly, we suggest that you check these Terms of Use periodically for updates.

Last updated: May 2018