These Terms of Use (the “Terms”) govern your access to and use of https://SoteriaRe.com (this “website”). In continuing to access or use this website, you agree to be bound by these terms and conditions. In addition, by continuing to use this website, you agree to any amendments, changes or modification of these terms and conditions.

These Terms of Use were last modified in January 2023.

Use of Website

• This website is operated by Soteria Reinsurance Holdings LLC (“SoteriaRe^SM”) (all references to “we”, “us” or “our” in these terms refer to SoteriaRe^SM and/or its affiliates), who may modify these Terms at any time without notice to you. The most current version of the Terms can be reviewed by clicking on the “Terms of Use” link located at the bottom of this website. Any continued use of the website after such modifications shall constitute acceptance by you of such changes.

Limitations on advice and reliance on website

• This website is for information purposes only and is provided for your convenience. This website is not intended to provide tax, investment, legal, compliance, or other advice.

Intellectual Property

• SoteriaRe either owns or licenses from third parties all intellectual property related to this site. This website is protected by applicable copyright and/or intellectual property laws. Accordingly, you may not copy, distribute, modify, post or frame-on this website, including any text, graphics, video, audio, software code, user interface design or logos.
• All trademarks and service marks on this website belong to FMR LLC or one of its affiliates, except third-party trademarks and service marks, which are the property of their respective owners.

Linking to This Website

• Unless you and SoteriaRe have agreed otherwise, links from another website to this website must resolve to the top-level homepage of https://SoteriaRe.com. In order to avoid confusion, if you do link from another website to the top-level homepage of https://SoteriaRe.com, then your website (and the link itself) must not suggest that SoteriaRe endorses, sponsors or is affiliated with any non-affiliated website, entity, service or product, and may not make use of any of SoteriaRe’s or any of its affiliate’s trademarks or service marks other than those contained within the text of the link.
• If you wish to make any use of content on this website other than that set forth above, please contact.

Third-party content and research

• This website may contain links to websites operated by companies that are not affiliated with SoteriaRe (“Third-Party Content”). On this website, Third-Party Content is available through framed areas, through hyperlinks to third-party websites or is simply published on the site. The Third-Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third-Party Content provider(s) credited.
• SoteriaRe has not been involved in the preparation of Third-Party Content and does not endorse or approve such content. The Third-Party Content providers do not give advice or advocate the purchase of any product or service.
• Third-Party Content is provided for informational purposes only and SoteriaRe and the Third-Party Content providers specifically disclaim any responsibility for Third-Party Content available on the site and for any advertising, products or other materials on or available from third-party sites. Your use of Third-Party Content is at your own risk. THE THIRD-PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD-PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
• THE THIRD-PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD-PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Timeliness of content

• All content on this website is presented only as of the date published or indicated and may be superseded by subsequent events or for other reasons. Users are cautioned not to place undue reliance on any forward-looking statements (indicated by language such as “believe,” “anticipate,” “expect” or similar words), which were based on information available at the time they were made and not based on your particular circumstances or requirements. SoteriaRe undertakes no obligation to publicly update or revise any dated or forward-looking statements.

Prohibited uses

• You may use this website only as permitted by applicable law.
• Do not use this website in any manner that would interfere with any other party's use of this website. Do not introduce or permit any person to introduce into this website any code or malicious or hidden mechanisms that would impair the operation of this website, or of SoteriaRe computers, networks, or other devices of software.
• No content made available on this website may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose, without express written consent of SoteriaRe.
• You acknowledge and agree that no Sensitive Personal Information is intended to be provided by you in connection with your use of this website. “Sensitive Personal Information” means any social security, driver’s license, state identification card, or passport number; any financial account, debit card, or credit card number in combination with the applicable security or access code, password, or credentials; any GPS data or similarly precise geolocation information (other than physical addresses); any information describing racial or ethnic origin, religious or philosophical beliefs, or union membership; contents of a person’s mail, email or text messages; genetic data; biometric information; health information; and information regarding a person’s sex life or sexual orientation.

Security of Electronic Communications

• Electronic (including wired and wireless) communications to or from SoteriaRe, including via this website, may not be encrypted. You acknowledge that there is a risk that data, including e-mail, electronic and wireless communications and personal data, may be accessed by unauthorized third parties when communicated between you and SoteriaRe or between you and other parties.

DISCLAIMER OF WARRANTIES

• SOTERIARE DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THIS WEBSITE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THIS WEBSITE IS MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE".
• ALTHOUGH SOTERIARE TRIES TO INCLUDE ACCURATE AND TIMELY INFORMATION ON THE WEBSITE, THERE MAY BE INADVERTENT INACCURACIES AND ERRORS, AND SOTERIARE DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THIS WEBSITE OR ANY INFORMATION, TEXT, GRAPHICS, LINKS, OR OTHER SOTERIARE OR THIRD-PARTY CONTENT ON THIS WEBSITE. SOTERIARE DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED OR THAT THEY WILL BE CORRECTED IN A TIMELY MANNER. SOTERIARE MAY CHANGE THIS WEBSITE AND ANY CONTENT THEREON AT ANY TIME WITHOUT NOTICE.
• SOTERIARE DOES NOT WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED, OR SECURE. IF YOU DOWNLOAD ANY MATERIALS FROM THIS WEBSITE, YOU DO SO AT YOUR RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA THAT RESULTS.
• SOTERIARE ALSO DOES NOT WARRANT THAT THE RESULTS OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE, OR THAT THIS WEBSITE OR ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS WEBSITE WILL MEET YOUR NEEDS OR EXPECTATIONS.
• IF YOU LIVE IN A STATE OR JURISDICTION THAT DOES NOT ALLOW WARRANTIES TO BE LIMITED OR DISCLAIMED, SOME OR ALL OF THESE PROVISIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

• SOTERIARE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, WHETHER CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, INDIRECT OR OTHERWISE, IN CONNECTION WITH THIS WEBSITE. SOTERIARE EXPRESSLY DISCLAIMS LIABILITY FOR LOST PROFITS OR ANY DAMAGES THAT RESULT FROM USE OF, OR LOSS OF USE OF, THIS WEBSITE AND MATERIALS ON THIS WEBSITE (WHETHER PROVIDED BY SOTERIARE OR THIRD PARTIES). THIS DISCLAIMER OF LIABILITY APPLES EVEN IF SOTERIARE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
• SOTERIARE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SOTERIARE DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE, AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.

Indemnification

• As a condition of your use of this website, you agree to indemnify and hold SoteriaRe and its affiliates and Third-Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this website or any SoteriaRe content or Third-Party Content on this website or from your violation of these Terms.

Compliance with Applicable Laws

• Due to the global nature of the Internet, you are responsible for complying with all local laws regarding online conduct. You also agree to comply with any applicable rules regarding the export of any technical data from any country.

Termination and Modification

• SoteriaRe may terminate or suspend your access to this website, in whole or in part, for any reason, without prior notice. Unless otherwise agreed, SoteriaRe may modify this website at any time without prior notice to you, and you accept those modifications if you continue to use this website.

Governing law

• These Terms and their enforcement are governed by the laws of the Commonwealth of Massachusetts, without regard to conflicts of law, and shall inure to the benefit of SoteriaRe’s successors and assigns, whether by merger, consolidation, or otherwise.

Severability

• If a court of competent jurisdiction deems any provision of these Terms to be unenforceable or in conflict with applicable laws, rules, or regulations, either present or future, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Contact

• To contact us, please email contact@SoteriaRe.com.