Terms and Conditions

By accessing this website you enter into a binding agreement with Premira on the terms set out below. These Terms and Conditions apply to all visitors and users of this site. Please read them carefully before proceeding. Your continued use of the site constitutes acceptance of these terms.

1. User Obligations

As a user of this website you agree to:

• 1.1Use the site only for lawful purposes and in a manner consistent with all applicable laws and regulations.
• 1.2Provide accurate information when submitting enquiries or otherwise communicating with us.
• 1.3Refrain from attempting to access restricted areas of the site, interfere with its operation, or harm its infrastructure.
• 1.4Refrain from uploading or transmitting any harmful, defamatory, offensive or unlawful content via any part of the site.
• 1.5Not use automated means to scrape, crawl or harvest data from this site without prior written consent.

This site is intended for professional use in connection with insurance brokerage and related financial services. Users must be of legal age to enter binding agreements in their jurisdiction.

2. Prohibited Activities

The following activities are expressly prohibited:

• —Impersonating Premira or any of its representatives.
• —Distributing malware, viruses or other harmful code via this site.
• —Reproducing, adapting or commercially exploiting any content from this site without permission.
• —Engaging in any conduct that could damage the reputation of Premira.
• —Using the site in a manner that could give rise to civil or criminal liability for Premira or others.

3. User Responsibilities

• 3.1Compliance: You are responsible for ensuring that your use of this site complies with all laws applicable to you, including data protection, financial services and professional conduct obligations relevant to your jurisdiction.
• 3.2Indemnification: You agree to indemnify Premira against any claims, losses or expenses arising from your breach of these terms or your unlawful use of the site.
• 3.3Third-party interactions: Any dealings you enter into with third parties identified through this site are at your own risk and are solely between you and the third party concerned.

4. Liability and Warranties

• 4.1Disclaimer of warranties: This website is provided on an "as is" and "as available" basis. Premira makes no warranty, express or implied, as to the accuracy, completeness or fitness for purpose of any content on this site.
• 4.2Limitation of liability: To the extent permitted by law, Premira shall not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of or inability to use this site.
• 4.3Consequential damages: Premira excludes all liability for loss of profits, loss of business, loss of data or any special or indirect damages, whether or not such losses were foreseeable.
• 4.4Force majeure: Premira shall not be in breach of these terms as a result of any failure or delay caused by circumstances beyond its reasonable control, including but not limited to technical failures, natural events or network outages.

5. Legal Information

• 5.1Governing law: These terms are governed by applicable law. Any dispute arising from them shall be subject to the jurisdiction of the competent courts, as applicable to the parties involved.
• 5.2Dispute resolution: In the first instance, disputes should be raised with Premira via the Contact page. We will seek to resolve matters promptly and in good faith.
• 5.3Severability: If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
• 5.4Modifications: Premira reserves the right to modify these terms at any time. The most current version is always available on this page, identified by the date above.