This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website https://www.ajg.com/gallagherre/ (the “site”), whether as a guest or a registered user, as applicable, together with certain legal and regulatory information. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
1. INFORMATION ABOUT US
1.1 https://www.ajg.com/gallagherre/ is a site operated by and containing information about the products and services offered by Gallagher Re.
“Gallagher Re” is the brand name for companies forming part of the Arthur J. Gallagher & Co. group of companies. From this site you can also follow links to other sites operated by Gallagher.
Wherever the name “Gallagher Re” or the words “we” or “our” are used on the site, this implies one or more of the companies within the Arthur J. Gallagher & Co. group, which may offer products or services on the site, including, but not necessarily limited to, the entities detailed in our Electronic Communications Disclosure.
| 1.2 Electronic Communication Disclosure | |
| Gallagher Reinsurance Australia Limited | Gallagher Reinsurance Australia Limited is a company incorporated in Australia (ABN 22 000 235 914) and authorised and regulated by the Australian Securities & Investments Commission (000 235 914), with a registered address at Level 36, 60 Margaret Street, Sydney NSW 2000 Australia. |
| Nordic Försäkring & Riskhantering AB |
Gallagher Re is a trading name of Nordic Försäkring & Riskhantering AB (“Nordic”). Nordic is authorised by the Swedish Financial Supervisory Authority and incorporated in Sweden under company number 556418-5014 with registered address at Mölndalsvägen 22, 412 63 Göteborg, Sweden. Nordic also offers and performs insurance distribution services/activities through its branches in Belgium and Denmark. The Belgian branch has its registered office at Posthofbrug 6-8 bus 5/134, 2600 Berchem, company number 0743.567.257. The Danish branch has its registered office at Rundforbivej 303, 2850 Nærum, Denmark, company number 42764698. Nordic is also deemed authorised and regulated by the UK Financial Conduct Authority under the Temporary Permissions Regime. UK branch registered in England and Wales under branch number BR021003, with registered address at The Walbrook Building, 25 Walbrook, London EC4N 8AW. |
| Gallagher Re Bermuda Limited | Gallagher Re Bermuda Limited is authorised and regulated by the Bermuda Monetary Authority (registered number 41307), with a registered address Wessex House, 45 Reid Street, Hamilton HM 12, Bermuda. Our authorization can be verified by visiting the Bermuda Monetary Authority web site which is http://www.bma.bm or by contacting the Bermuda Monetary Authority on (441) 295 5278. |
| Gallagher Reinsurance Brokers Bermuda Limited | Gallagher Reinsurance Brokers Bermuda Limited is authorised and regulated by the Bermuda Monetary Authority. Incorporated in Bermuda with registered address Belvedere Building 69 Pitts Bay Road Pembroke HM08. |
| Gallagher Re Latin America Corretora De Resseguros Ltda | Gallagher Re Latin America Corretora de Resseguros Ltda., sociedade limitada, registrada na SUSEP (FIP SUSEP 77747), com sede na Alameda Santos, nº 415, 10º andar, conjuntos 101 e 102, CEP 01419-913, São Paulo, SP, e inscrita no CNPJ/MF 09.674.690/0001-39 |
| Gallagher Re Canada Inc. | Gallagher Re Canada Inc. 333 Bay Street, Suite 2400, Toronto, ON M5H 2T6, Canada |
| Arthur J. Gallagher Re Colombia Ltda. Corredores De Reaseguros | Arthur J. Gallagher Re Colombia Ltda. Corredores de Reaseguros es una Sociedad de responsabilidad limitada de carácter privado, registrada en Colombia mediante Escritura Pública Número 3865 del 26 de octubre de 1995 en la Notaría 45 de Bogotá, D.C. Por escritura Pública no. 1190 de la notaria 12 de Bogotá D.C. del 23 de septiembre de 2015, inscrita el 28 de septiembre de 2015 bajo el número 02023014 del libro IX. La sociedad de la referencia cambio su nombre de ARM RE Ltda. Corredores de Reaseguros, por el de Arthur J. Gallagher Re Colombia Ltda. Corredores de Reaseguros. Por documento privado del 1 de diciembre de 2015, inscrito el 2 de diciembre de 2015 en la Cámara de Comercio de Bogotá, se configuró una situación de control de la Compañía, por parte de la Sociedad Matriz Arthur J Gallagher & Co y se configura situación de Control y Grupo Empresarial sobre la sociedad Referida a través de las sociedades extranjeras Arthur J Gallagher & Co (Canadá) Ltd, Arthur J Gallagher (Bermuda) Holding Partnership y Gallagher Colombia Limited (Reino Unido). El objeto principal de la sociedad es el de actuar como intermediaria entre asegurado, asegurador y reasegurador, con el fin de ofrecer reaseguros, así como promover su celebración y obtener su renovación. Arthur J. Gallagher Re Colombia Ltda. Corredores de Reaseguros, desarrolla sus actividades única y exclusivamente con Compañías de Seguros en Colombia y con Compañías Reaseguradoras locales y del exterior. Sus ingresos son recibidos de estas entidades, las cuales son vigiladas por la Superintendencia Financiera de Colombia. De otra parte, esta compañía no tiene transacciones con terceros diferentes a las compañías mencionadas. |
| Gallagher Re S.A.S | GALLAGHER RE SAS – SAS au capital de 3 746 817 euros Société de courtage de réassurance 127 avenue Charles de Gaulle - 92521 Neuilly-sur-Seine - Tél. 33 1 70 72 69 70 341 303 089 R.C.S. Nanterre - N° TVA Intracommunautaire FR 74 341 303 089 Intermédiaire immatriculé à l’ORIAS sous le n° 07 031 071 (http://www.orias.fr) Sous le contrôle de l’ACPR, Autorité de Contrôle Prudentiel et de Résolution – 4 place de Budapest – CS 92459 – 75436 Paris Cedex 10 |
| Gallagher Re GmbH |
Die Gallagher Re GmbH ist ein unabhängiger Versicherungsmakler mit Sitz in München, HRB 172690, Versicherungsvermittlerregister D-P4U0-3BMWD-89. Geschäftsführer sind die Herren Anthony John Melia und Dirk Spenner. Das Unternehmen hält keine direkte oder indirekte Beteiligung von über 10 % an den Stimmrechten oder dem Kapital eines Versicherungsunternehmens; umgekehrt hält kein Versicherungsunternehmen entsprechende Anteile an unserem Unternehmen oder an unseren Obergesellschaften. Die Schlichtungsstellen für die außergerichtliche Beilegung von Streitigkeiten sind: Versicherungsombudsmann e.V., Postfach 08 06 32, 10006 Berlin, Ombudsmann Private Kranken- und Pflegeversicherung, Kronenstraße 13, 10117 Berlin |
| Gallagher Re Italia S.p.A | Gallagher Re Italia S.p.Ais authorised and regulated by IVASS (registration number B000060821), with a registered address at Via Leonida Bissolati 20, 00187, Roma, Italy. Our authorisation can be verified by visiting the IVASS Register which can be found on the website https://servizi.ivass.it/RuirPubblica/ or by contacting IVASS on +39.06.421331. |
| Gallagher Re Labuan Limited | Gallagher Re Labuan Limited, a Broker licensed under the Labuan Financial Services & Securities Act 2010 (BS200755) with a registered address at Menara Dion #26-03, 27 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia Willis Re Labuan Limited has a Representative Office in the Philippines operating from Level 6, Paseo de Roxas corner Makati Avenue, Makati City, Metro Manila, Philippines 1226. |
| Crombie Lockwood NZ Ltd | Crombie Lockwood (NZ) Limited is authorised and regulated by the Financial Markets Authority (FSP 39921), with a registered address at Tower L 23/191 Queen Street, Auckland CBD, Auckland 1010, New Zealand. More information about our company can be found here: https://www.crombielockwood.co.nz/about/our-company/terms-of-business/ |
| Gallagher Re Nordic AS | Gallagher Re Nordic AS, Dokkveien 1, 0250 Oslo, Norway. Business registration no.: 989 098 527 in Norwegian business registry Brønnøysundregistrene (brreg.no) |
| Gallagher Re (Pty) Limited | Gallagher Re (Pty) Limited is an Authorised Financial Service Provider, Licence No. 24845. Company Registration No. 2005/026120/07. The physical address is 155 West Street, Sandton, Johannesburg, Gauteng 2196, South Africa. The postal address is P.O. Box 411775, Craighall, 2024, South Africa. If you wish to access records held by Gallagher Re (Pty) Limited or wish to access, correct, delete or object to the processing of your personal information, please see our PAIA and POPI Manual. |
| BH Sigorta ve Reasürans Brokerligi A.S. | BH Sigorta ve Reasürans Brokerligi A.S. is authorised and regulated by the Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu, the Insurance and Private Pension Regulation and Supervision Agency (SEDDK). Registered Business Address: BH Sigorta ve Reasürans Brokerligi A.S., Kuleli Cd., Hasanpaşa Setti Çıkmazı Aşağı Sok., No: 4/1, Çengelköy – Üsküdar/İstanbul. Registered in Turkey. License Number: 58-3953. |
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Arthur J. Gallagher (UK) Limited |
Gallagher Re is a trading name of Arthur J. Gallagher (UK) Limited (company no. 1193013), which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. |
| Willis Re Inc | Willis Re Inc. is an authorised insurance and reinsurance intermediary domiciled in New York, with a registered address at 200 Liberty Street 3rd Floor New York, NY 10281 United States |
| Gallagher Reinsurance Brokers (Miami) Inc | Gallagher Reinsurance Brokers Miami Inc. is a corporation organised in the State of Delaware, regulated by the Florida Department of Financial Services, with its Head Office at 1000 Brickell Avenue, Suite 590, Miami, FL33131 and its registered address at Corporation Trust Center, 1209 Orange Street, Wilmington, New Castle County, Delaware 19801. |
| Gallagher Securities Inc. |
Gallagher Securities is a trade name used by Gallagher Securities, Inc. Gallagher Securities Inc. is a licensed broker dealer authorized and regulated by FINRA and a member of SIPC. |
| Gallagher Securities Limited |
Gallagher Securities Limited, a company registered in England and Wales (company number 2908053 and ARBN number 604 264 557) with a registered address at 51 Lime Street, London, EC3M, is authorised and regulated by the Financial Conduct Authority and exempt from the requirement to hold an Australian Financial Services License under ASIC Class Order [03/1099]. |
1.3 Our ultimate holding company is a US corporation which is listed on the New York Stock Exchange. Consequently, all of the legal entities in our group (and our affiliates) are subject to certain US, EU, UN and UK sanctions laws, regulations and restrictions which may prohibit them from placing or arranging cover for certain individuals or entities, and types of activities in or connected with certain countries and territories.
2. ACCESSING OUR SITE
2.1 Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
2.2 From time to time, we may restrict access to some parts of our site, or our entire site, to guest users or users who have registered with us, as applicable.
2.3 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
2.4 When using our site, you agree:
- not to reproduce, duplicate, copy or re-sell any part of our site in contravention of these terms of use,
- not to access or use the site in any way that breaches any applicable local, national or international law or regulation,
- not to access or use the site in any way be unlawful, libelous, defamatory, threatening, malicious, abusive, pornographic, obscene or embarrassing to any person,
- not to access without authority, interfere with, damage or disrupt any part of our site, any equipment or network on which our site is stored, any software used in the provision of our site or any equipment or network or software owned or used by any third party,
- not to use the site in any way which infringes or may reasonably infringe on any other person’s copyright, trade mark, trade secret, know how or any other intellectual property rights.
2.5 You agree to, at all times, indemnify and hold harmless each Gallagher Re company and its officers, employees and agents ("those indemnified”) from and against any loss (including reasonable legal costs and expenses) or liability reasonably incurred or suffered by any of those indemnified arising from or in connection with:
- a breach by you or your employees, agents, contractors or permitted assignees of this Legal & Regulatory Information document; or
- any wilful, unlawful or negligent act or omission on your part or on the part of your employees, agents, contractors or permitted assignees.
2.6 You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
3. INTELLECTUAL PROPERTY RIGHTS
3.1 We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
3.2 You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.
3.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
3.4 Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
3.5 You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
3.6 If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
4. RELIANCE ON INFORMATION POSTED
4.1 Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
5. OUR SITE CHANGES REGULARLY
5.1 We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
6. OUR LIABILITY
6.1 The material displayed on our site is provided on an “as is” and “as available” without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
- All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
- Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
6.2 The contents of the site are for general informational purposes only (and do not constitute any form of professional advice) and should not be used or relied upon as a substitute for detailed advice specific to you or your organisation. Where the contents of this site include a recommendation or an assessment of risk, such recommendation or assessment of risk is an expression of opinion only and not a statement of fact. Any decision to rely upon any such recommendation or assessment (or any other part of this site) will be solely at your own risk, for which we accept no liability. The contents of this site do not replace the need for you to make your own assessment. Before taking any action based upon any of the contents of this site, you should consult one of our professionals or other appropriate advisor.
6.3 This does not affect our liability for death or personal injury arising from our negligence, nor any other liability which cannot be excluded or limited under applicable law.
7. INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
7.1 We process information about you in accordance with our Privacy Policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
8. VIRUSES, HACKING AND OTHER OFFENCES
8.1 You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
8.2 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
9. LINKING TO OUR SITE
9.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
9.2 You must not establish a link from any website that is not owned by you.
9.3 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permissions without notice.
10. LINKS FROM OUR SITE
10.1 Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. We do not endorse or recommend any views, advice, products or services offered on site accessible via this site.
11. JURISDICTION AND APPLICABLE LAW
11.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
11.2 These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
12. TRADE MARKS
12.1 The Gallagher logo is a registered trademark of Arthur J. Gallagher & Co.
13. VARIATIONS
13.1 We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.