Legal Notice

TERMS AND CONDITIONS OF USE
Your use of this website indicates your acceptance of the following terms and conditions. Please read them carefully before using this website. These terms and conditions may be revised at any time. You are bound by any such revisions and should therefore visit this page each time you wish to view this website to review the current terms and conditions to which you are bound. Last update of this page: April 20, 2011.

The information and descriptions contained within this website are not intended to be complete descriptions of all products and services, but are provided for general informational purposes. Munich American Reassurance Company  (“the Company”) will from time to time revise the products and services described in this website, and reserves the right to make such changes without the obligation to notify current or prospective clients.

LIMITATION OF LIABILITY
While Munich American Reassurance Company uses reasonable efforts to include accurate and timely information on this website, errors or omissions sometimes occur. Accordingly, under no circumstances, including but not limited to negligence, shall the Company or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if the Company has been advised of the possibility of such damages.

WARRANTY DISCLAIMER
THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, the Company DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Company DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE COMPLETENESS, ACCURACY, RELIABILITY, USEFULNESS, OR TIMELINESS OF THE MATERIALS ON THE WEBSITE. The Company DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE OF OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE. The Company DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR ITS SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU (AND NOT the Company) ASSUME THE ENTIRE COST OF ANY AND ALL DAMAGES ARISING OUT OF YOUR USE OR INABILITY TO USE THIS WEBSITE, INCLUDING ANY NECESSARY SERVICING, REPAIR, OR CORRECTION.

JURISDICTIONAL ISSUES
The Company does not represent that the information on this website is appropriate or available for use in all locations. Those who access this website do so on their own initiative and are responsible for compliance with all applicable laws. The laws of the State of Georgia, U.S.A, will govern any claims relating to this website.

PROPRIETARY RIGHTS
The selection, arrangement, and design of the entire contents of this website, as well as the original contents herein, are owned by the Company and are protected by copyright, trademark and other proprietary rights. Except as otherwise expressly permitted by the Company, no materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes without the Company's written permission.

All trademarks, services marks, trade names, logos, and icons are proprietary to the Company. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of the Company or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

The Company is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Address inquires concerning use of the Company's trademarks, service marks, copyrights or other intellectual property to Munich American Reassurance Company, General Counsel’s Office, 56 Perimeter Center East, Atlanta, GA 30346, U.S.A.

LINKS
We welcome, without permission, appropriate linking to our pages. We do not endorse or accept any responsibility whatsoever for any of the sites (or the contents thereof) to which we provide links.