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This Legal Notice is required reading for all visitors and users of this website:

Thank you for visiting the home website of Ensurent.com LLC. ("Ensurent"). Ensurent maintains this website (the "Site") for your information, education and communication.

The Site contains information about products which may or may not be available in any particular country, may be available under different trademarks in different countries, and where applicable, may be approved or cleared by a government regulatory body for sale or use with different indications and restrictions in different countries. Nothing contained on the Site should be construed as a solicitation or promotion for any product or for the use of any product in a particular way which is not authorized by the laws and regulations of the country where the reader is located. Specific questions about the availability and use of products described on the Site should be directed to the company. Further, nothing contained on the Site and its affiliated sites is intended to offer legal advice

The Site contains information concerning Ensurent that may be useful to our customers, employees and the general public. Ensurent makes no representations or warranties as to the accuracy of any information contained on the Site. Further, Ensurent expressly disclaims any obligation to update or correct information contained on the Site and explicitly disclaims any duty to do so. Ensurent assumes no liability or responsibility for any errors or omissions in the content of the Site.

This Site contains forward-looking statements that involve substantial risks and uncertainties. Forward-looking statements provide Ensurent's current expectations or forecasts of future events. Any or all of Ensurent's forward-looking statements contained on the Site and in any other public statements may turn out to be wrong. Inaccurate assumptions made by Ensurent and known or unknown risks and uncertainties can affect Ensurent's forward-looking statements. Consequently, no forward-looking statement can be guaranteed and actual results may differ materially from those expressed or implied by Ensurent's forward-looking statements. Each forward-looking statement contained on the Site represents Ensurent's judgment as of the date such statement was posted to the Site or is otherwise dated. Ensurent undertakes no obligation to publicly update any forward-looking statements, whether as a result of new information, future events or otherwise.

When you access and use the Site, you accept, without limitation or qualification, the terms and conditions ("Terms and Conditions") set forth below.

TERMS AND CONDITIONS

1. You may freely browse the Site. You may freely download material from the Site. Any and all downloaded materials may be used by you. You may not, however, distribute, modify, transmit, reuse, repost or use any of such materials for public or commercial purposes, without the express written permission of Ensurent. All copyright and other proprietary notices contained in downloaded materials from the Site must be retained.

2. You should assume that all contents of the Site are copyrighted unless otherwise noted and may not be used except as provided herein and without the express written permission of Ensurent. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any Ensurent copyright.

3. All product names, logos and service marks displayed on the Site that are identified by ® or ™ or appearing in type form different from that of the surrounding text (collectively, the "Trademarks") are registered or unregistered trademarks owned by or licensed to Ensurent or our affiliates, unless otherwise identified as being owned by another entity. Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right, either express or implied, under any patent or Trademark of Ensurent or any third party. No use of any Trademark may be made without the prior written authorization of Ensurent, except to identify the product or services of the company.

4. Images of people or places displayed on the Site are either the property of, or used with permission by, Ensurent. The use of these images by you is prohibited unless specifically permitted by these Terms and Conditions or by specific permission provided elsewhere on the Site. Unauthorized use of the images may violate copyright, trademark, privacy and/or publicity laws as well as communications regulations and statutes.

5. Each person assumes full responsibility and all risks arising from use of the Site. IN NO EVENT SHALL ANY OF Ensurent, OUR AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, INFORMATION PROVIDERS AND LICENSORS AND THEIR RESPECTIVE HEIRS AND ASSIGNS BE LIABLE FOR ANY DAMAGES OF ANY KIND OR NATURE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, SPECIAL (INCLUDING LOSS OF PROFIT), PUNITIVE OR OTHER DAMAGES ARISING FROM OR IN CONNECTION WITH THE EXISTENCE OR USE OF THE SITE, REGARDLESS OF WHETHER Ensurent OR ANY OF THE OTHER ENTITIES OR PERSONS LISTED ABOVE HAS BEEN ADVISED AS TO THE POSSIBILITY OF SUCH DAMAGES. This includes damages to, or for viruses that may infect, your computer equipment. Without limiting the foregoing, everything on the Site is provided to you "AS IS" AND Ensurent MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE WITH RESPECT TO THE SITE. Ensurent HEREBY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS OR IMPLIED, CREATED BY LAW, CONTRACT OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. Ensurent MAKES NO REPRESENTATION OR WARRANTY THAT ACCESS TO THE SITE WILL BE AVAILABLE ON A TIMELY BASIS, WILL BE UNINTERRUPTED, OR THAT THE INFORMATION CONTAINED ON THE SITE WILL BE TIMELY OR ERROR FREE. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.

6. Any communication or material that you transmit to, or post on, the Site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like, is, and will be treated as, non-confidential and non-proprietary information, and Ensurent shall have no obligation of any kind with respect to such information. Ensurent and any of our affiliates may use such information for any purpose whatsoever, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and further posting. Further, Ensurent and any of our affiliates shall be free to use such information, including, but not limited to, any ideas, concepts, know-how or techniques contained therein, for any purpose whatsoever, including, but not limited to, researching, developing, manufacturing and marketing products incorporating such information.

7. To enable Ensurent to provide customized and personalized services, Ensurent may use cookies to store and sometimes track information about you. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer. Cookies, by themselves, do not tell us any personally identifiable information about you. However, if you choose to furnish the site with personally identifiable information (such as your email address), that information could be linked to the data stored in the cookie. At this time, Ensurent does not link personally identifiable information to cookies. Generally, we use cookies to alert us that a computer has previously visited the Site in order to bypass our introductory graphics sequence. Ensurent reserves the right to change our use of cookies and our practices regarding linkage to personally identifiable information without any prior notification.

8. You may need to visit other sites to find out more about Ensurent’s products or other related products. This Site may link you to other sites on the Internet. We believe that our links from the Site meet regulatory guidelines and linked sites are checked periodically for appropriate content. However, Ensurent has not reviewed all of the sites that may be linked to the Site and we are not responsible for the content of any off-Site pages or any other sites linked to the Site that are outside of our control. Your linking to any other off-Site pages or other sites is at your own risk. Please remember that such sites are not Ensurent sites and the content on such sites could change without our knowledge. The opinions, claims, comments, or software contained in hyperlinked sites are those of the companies responsible for such sites and should not be attributed to Ensurent in any manner. Ensurent has not attempted to verify the truth or accuracy of any such opinion, claim or comment, nor do we endorse or support them. Ensurent does not warrant, nor are we in any way responsible for, software on hyperlinked sites that are outside of our control.

9. You are prohibited from posting or transmitting to the Site any unlawful, threatening, libelous, defamatory, obscene, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or would otherwise violate the law. Ensurent will fully cooperate with any law enforcement authorities or court order requesting or directing Ensurent to disclose the identity of anyone posting any such information or materials. Ensurent assumes no responsibility or liability arising from the content of the Site nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within the Site.

10. Ensurent reserves the right to make additions, deletions, or modifications to the information or materials on the Site at any time without any prior notification.

11. You are solely responsible for deciding whether any of our products or services are suitable for your purposes. If you need any advice before recommending any insurance policy please contact your usual Ensurent Account Manager or Insurance Support Manager.

12. It is a condition of using this site or trading with Ensurent that Ensurent bears no responsibility for any loss suffered by you, through our website or telecommunications becoming unavailable for any reason, but in particular because of faults with our telecommunications providers, Internet Service Providers or faults suffered by other infrastructure providers elsewhere on the Internet.

13. All information or services within this Website is intended to be general in nature and you should not rely on it in connection with any insurance decision. Ensurent is not liable for any action you may take as a result of relying on such information or advice or for any loss or damage suffered by you as a result of you taking this action.

14. Ensurent may change the format and content of this web site (or of any warranty, insurance or other products or services offered via this web site) at any time.

15. Ensurent may suspend the operation of this web site for support or maintenance work, in order to update the content or for any other reason.

16. Ensurent reserves the right to terminate access to this web site (and to products and services offered via the web site) at any time and without notice.

17. Warranty obligations available on this website are underwritten by an insurance product from a domestic US insurance company for from certain syndicates of Lloyd's of London. All insurance policies available on this web site are arranged through insurance companies that are domestic US insurance carriers or through certain syndicates of Lloyd's of London.

18. You will be able to view insurance policy summaries on this Web site. Full policy wordings will be available in hard copy on request.

19. Ensurent will notify you of any changes to the terms and conditions of any insurance policy and will give reasonable notice for any changes which are due to take effect. Notification of changes will be provided to you in hard copy or electronically.

20. Any terms and conditions are governed by this Website and the products and services offered for sale are to be interpreted in accordance with Minnesota State law intended for residents in within the state.

21. Ensurent will use its best endeavors to reply promptly to all correspondence. Such reply may be by Email or in writing.

22. If you have a question or complaint, please contact us in writing to the Claims and Administration Manager, Ensurent LLC, 6256 34th Avenue NW, Rochester, MN 55901, USA.

23. You should keep a copy of all information submitted to or received from us for your records.

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Contact inquiry@Ensurent.com with questions or problems, as appropriate.

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