Copyright and Disclaimer

About this Website
This website is owned and operated by European Life and Health Underwriters’ Association (ELHUA), 50A Route De Divonne, 1260 NYON 2, Switzerland, under Swiss law  and is referred to as the ELHUA Website. Your use of the services, information, text, graphics, materials and other content on the ELHUA Website (“Material on this Website”) is governed by these Terms of Use. By using this website you agree to be bound by these Terms of Use.

Links to other websites

  • The ELHUA Website may contain links to websites which are owned or operated by third parties independent of ELHUA (“Third Party Websites”). ELHUA does not sponsor, endorse or approve of the operators of Third Party Websites, or material (including services, information, graphics, or data) which is located on such Third Party Websites (“Third Party Material”).
  • The ELHUA Website may contain or link to information about special offers, deals or promotions by persons not related to or part of ELHUA. (“Third Party Offers”). ELHUA does not sponsor, endorse, or approve of any Third Party Offers, or Third Party Material associated with these offers.
  • Subject to any applicable law which cannot be excluded, ELHUA makes no warranties or representations:
    • regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Websites; or
    • that Third Party Material does not infringe the intellectual property rights of any person.
  • ELHUA is not authorising the reproduction of Third Party Material by linking Material on this Website to Third Party Material.

Your privacy and security is very important to ELHUA. Certain data items are collected and used by the ELHUA Website in order to provide services to ELHUA members. The ELHUA Website may record and track the use you make of this website. The use of this data is subject to our Privacy Statement. Please read our Privacy Statement

Whilst reasonable steps have been undertaken to ensure that information is free from error, to the extent permitted by law, which law cannot be excluded, ELHUA does not warrant the accuracy, adequacy or completeness of Material on this Website. All information is subject to change without notice. ELHUA does not guarantee that the ELHUA Website or Third Party Websites will be free from viruses, or that access to the ELHUA Website or Third Party Websites will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

Limitation of Liability
Subject to any responsibilities implied by law and which cannot be excluded, ELHUA, and its committee and contractors, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to Material on this Website, to Third Party Material, third party services, or to access of the ELHUA Website by you, howsoever caused, whether in contract, tort including negligence, statute or otherwise.

You indemnify ELHUA in respect of any liability incurred by ELHUA for any loss, cost, damage, or expense howsoever caused, or suffered by ELHUA as a result of your breach of these ELHUA Website Terms of Use.

Availability of the ELHUA Website
As electronic services are subject to interruption or breakdown, access to the ELHUA Website is offered on an “as is” and “as available” basis only.

ELHUA may impose limits or restrictions on the use you may make of the ELHUA Website. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Terms of Use, ELHUA may withdraw the ELHUA Website at any time and without notice to you.

Restrictions on use of the ELHUA Website
You agree that you will not, (either yourself or through any third party):

  • use any robot, spider, screen scraper, data aggregation tool or other automatic device or process (“Automated Process”) to process, monitor, copy or extract any web pages on the ELHUA Website, or any of the information, content or data contained within or accessible through the ELHUA Website, without ELHUA’s prior written permission;
  • use any Automated Process to aggregate or combine information, content or data contained within or accessible through the ELHUA Website with information, content or data accessible via or sourced from any third party;
  • use any information on or accessed through the ELHUA Website for any commercial purpose or otherwise (either directly or indirectly) for profit or gain;
  • use any device, software, process or routine to interfere or attempt to interfere with the proper working of the ELHUA Website or any transaction or process being conducted on or through it;
  • take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the ELHUA Website;
  • reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the ELHUA Website; or
  • copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the ELHUA Website without ELHUA’s prior written permission.

Third party providers to ELHUA
Parts of this ELHUA Website, or the provision of services offered via this ELHUA Website, may be outsourced to third party providers. These Terms of Use apply to any outsourced services, unless you are otherwise notified of any alternate terms of use.

Copyright and Trademarks

Copyright in the Material on this Website is owned or licensed by ELHUA.

Except where necessary for and incidental to personally viewing the Material on this Website via your web browser, or as permitted under the Directive 2001/29/EC of the European Parliament or other applicable laws, no material on this Website may be reproduced, stored (for any period of time) in an electronic or other retrieval system, modified, adapted, uploaded to a third party location, framed, performed in public, or transmitted, in any form by any process whatsoever, without the specific written consent of the author.

“ELHUA” is a trade mark of the European Life and Health Underwriters’ Association. Third party trade marks are trade marks of the respective third parties.

These Terms of Use and your access to the ELHUA Website may be terminated at any time by either party without notice to the other. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of ELHUA, will survive any termination. Upon termination, you must not directly or indirectly access or use the ELHUA Website or any Material on this Website.

Acceptance and changes to Terms of Use
You acknowledge and accept that your use of the ELHUA Website indicates your acceptance of these Terms of Use and the Privacy Statement.

These are the current Terms of Use. They replace any other terms of use for the ELHUA Website published on the ELHUA Website to date. ELHUA may at any time vary the Terms of Use for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of the ELHUA Website, by publishing the varied Terms of Use on the ELHUA Website. ELHUA will indicate on the ELHUA Website that these terms of use have changed, however, ELHUA is under no obligation to specifically contact or notify you of any variation to these Terms of Use. You accept that by doing this, ELHUA has provided you with sufficient notice of the variation. By your use of the ELHUA Website after any variation, you are taken to have accepted the new Terms of Use.

The law applicable to the ELHUA Website and to disputes arising out of the ELHUA Website is the Swiss law. You irrevocably submit to the exclusive jurisdiction of the courts of Switzerland, and appeal therefrom.

Should any clause or part thereof of these Terms of Use be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

You may not rely on the words or conduct of ELHUA as a waiver of any right unless the waiver is in writing. In this clause, “conduct” includes delay in the exercise of any right. “Right” means any right of ELHUA arising under or in connection with these Terms of Use or otherwise, and includes the right to rely on this clause. “Waiver” includes an election between rights and remedies, and conduct which might otherwise give rise to an estoppels.

Linking to ELHUA
Please contact ELHUA if you would like to link to any part of the ELHUA Website.