Terms of Use

This website is maintained by Everest Group, Ltd. on behalf of itself and its affiliates (which are sometimes collectively referred to as the "Everest ", "Company," "we" or "us"), for use by the insurance, reinsurance, and investment communities, as well as individuals interested in insurance information (collectively referred to as " user", "you" or "your"). Portions of this site may be unique to one or more of Everest Group, Ltd. affiliates. 

 

I. ACCEPTANCE OF TERMS

Your access and use of this website are subject to the following terms and conditions and all applicable laws and regulations. Please read these terms carefully. If you do not agree with all of these Terms and Conditions, do not access or otherwise use this website or any information contained on the website.

II. COPYRIGHT AND OTHER INTELLECTUAL PROPERTY RIGHTS

Unless otherwise noted, all materials, including images, designs, information and other material on this website or any other website maintained by Everest Group, Ltd. or its affiliates, are copyrights, trademarks, trade dress and/or other intellectual properties owned or licensed by Everest or its affiliates and are protected by U.S. and international intellectual property laws. No material from this website or from any other website or portal maintained by us may be copied, republished, uploaded, posted, transmitted, modified, distributed, or publicly displayed, other than for your own non-commercial use, except as expressly permitted by prior written consent of Everest. You may not remove, alter, or block any copyright or other proprietary notice on this website, or any other website maintained by us. The use of this website, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by Everest. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither Everest nor its affiliates warrant or represent that your use of the website or any other materials displayed on this website will not infringe rights of third parties.

III. WEBSITE PRIVACY POLICY

With the exception of any personal data or information you submit which is maintained in accordance with our Privacy Notices, any information you transmit to the Everest via this website, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Everest. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Subject to the data that is the subject of Privacy Notices, the Company does not share with any non-affiliated person or entity any information provided by a user of this website unless otherwise permitted by law.

For information on the collection, processing, and sharing of personal data, refer to our Privacy Notices accessible on our Privacy, Security and Trust page. To find out more on how we keep information secure, refer to our Privacy, Security and Trust page.

For information on Cookies, please see our Cookies Policy.

IV. PASSWORD/ACCOUNT PROTECTION AND USE

If applicable, you will receive a password to access certain restricted website areas and/or Company applications, which may be governed by separate terms and conditions. Subject to any separate agreements between you and the Company, you may provide a password only to persons who you obligate to comply with these Terms and Conditions. If you receive multiple passwords, you are responsible for assigning them to persons for whom you are responsible and are responsible for terminating their passwords and account designations when you no longer retain responsibility for their use of the password and account designation you assigned to them. You are responsible for maintaining the confidentiality of your password and account and are fully responsible for all activities using your password or account. You agree to (a) immediately notify us of any unauthorized use of your password or your account or any other breach of security, and (b) exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to comply with this Section.

Even if your use of this website does not require a password, you agree to obligate your employees, agents, and others in your control to abide by these Terms and Conditions and you agree to be responsible for their compliance with these Terms and Conditions. 

V. LINKS TO THIRD PARTY WEBSITES

We may provide, or third parties may provide, links to other websites or resources for reference or ease of use. Because we have no control over such websites and resources, you agree that we are not responsible for the availability of such external sites or resources, and we do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further agree that we shall not be responsible or liable, directly, or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products, or other materials on or available from any such website or resource.  Everest is under no obligation to maintain any link on this website and may remove links at any time and in its sole discretion.

VI. NO WARRANTIES - THIS WEBSITE IS PROVIDED "AS-IS"

THE MATERIALS IN THIS WEBSITE ARE PROVIDED "AS-IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

Information contained on this website has been prepared as a convenience to its users and is not intended to constitute advice upon which a user may rely. We have used reasonable efforts in collecting, preparing, and providing information and material, but make no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this website or any other website maintained by us. Users relying on information from this website do so at their own risk. 

The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions, and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant Product or Services agreement for complete terms, exclusions, and conditions. Should you purchase an Everest product from Everest or a third party, the terms, and conditions applicable to that transaction will govern such purchase, and your use of this website does not affect that purchase in any manner.

 

 VII. SAFE HARBOR

The information contained in this web site has been prepared as a convenience to the users of this web site and is not intended to constitute any advice or recommendation upon which a user may rely. All statements made in this website that are not purely historical may be deemed to be forward-looking statements. Such statements, including in particular those related to future performance of a company, are subject to various risks and uncertainties, including but not limited to, the impact of competition, product demand, insurance and reinsurance pricing, trends in paid and incurred losses, catastrophes, interest rates and other risks detailed from time to time in the Company's filings with the Securities and Exchange Commission. We have used reasonable efforts in collecting, preparing, and providing information and material, but make no warranty, representation or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this web site or any other web site maintained by us. Users relying on information from this web site do so entirely at their own risk.

Nothing in this web site is intended to provide any investment recommendation, advice or service or constitute an offer to buy or sell any securities or financial instruments.

VIII. DISCLAIMERS

TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR REPRESENT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR ANY OTHER WEBSITE MAINTAINED BY US OR THE SERVER(S) THAT MAKES THE WEBSITES AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE USER (AND NOT US) ASSUMES THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. 

IX. EXCLUSIONS/LIMITATIONS

UNDER NO CIRCUMSTANCES, REGARDLESS OF WHETHER BASED ON CONTRACT, TORT OR NEGLIGENCE, OR IN LAW OR IN EQUITY, SHALL WE BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS) THAT ARISE OUT OF OR ARE IN CONNECTION WITH ANY ERRORS, INACCURACIES, OMISSIONS, DEFECTS, OR UNTIMELINESS OF ANY CONTENT ON THIS WEBSITE, OR THE USE, INTERRUPTION OF USE, TERMINATION OF USE, OR INABILITY TO USE THIS WEBSITE, THE MATERIALS IN THIS WEBSITE OR ANY OTHER WEBSITE MAINTAINED BY US, OR OTHERWISE RELATING TO THIS WEBSITE, EVEN IF WE OR AN AUTHORIZED REPRESENTATIVE OF US HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

X. CONNECTION REQUIREMENTS

You are responsible for providing and maintaining, at your own option and expense, all hardware, software, and communication lines required to access and use this website. We reserve the right to change the configuration at any time, so you are encouraged to review these Terms and Conditions regularly. 

XI. ACCEPTABLE USE POLICY

The following are not permitted on this website:

Illegal use. Using this website to transmit any material (by email, uploading, posting, or otherwise) that, intentionally or unintentionally, violates any applicable local, state, national or international law, or any rules or regulations promulgated thereunder;

Harm to minors. Using this website to harm, or attempt to harm, minors in any way;

Threats. Using this website to transmit any material (by email, uploading, posting, or otherwise) that threatens or encourages bodily harm or destruction of property;

Harassment. Using this website to transmit any material (by email, uploading, posting, or otherwise) that harasses another;

Fraudulent activity. Using this website to make a false identity or fraudulent offers to sell or buy products, items, or services or to advance any type of financial scam such as "pyramid schemes," "Ponzi schemes," and "chain letters;"

Forgery or impersonation. Adding, removing, or modifying identifying network header information in an effort to deceive or mislead, or attempting to impersonate any person by using forged headers or other identifying information;

Unsolicited commercial email/Unsolicited bulk email. Using this website to transmit any unsolicited commercial email or unsolicited bulk email, or facilitating unsolicited commercial email or unsolicited bulk email whether or not that email is commercial in nature;

Unauthorized access. Using this website to access, or to attempt to access, the accounts of others, or to penetrate, or attempt to penetrate, our security measures or another entity's computer software or hardware, electronic communications system, or telecommunications system, whether or not the intrusion results in the corruption or loss of data;

Copyright or trademark infringement. Using this website to transmit any material (by email, uploading, posting, or otherwise) that infringes any copyright, trademark, patent, trade secret, or other proprietary rights of any third party, including, but not limited to, the unauthorized copying of copyrighted material, the digitization and distribution of photographs from magazines, books, or other copyrighted sources, and the unauthorized transmittal of copyrighted software; 

Collection of personal data. Using this website to collect, or attempt to collect, personal information including email addresses and telephone numbers about others without their knowledge or consent;

Reselling the services. Reselling access, any content or any aspect of this website without our authorization; and

Network disruptions and unfriendly activity. Using this website for any activity which adversely affects the ability of other people or systems to use the website, including "denial of service" attacks against another network host or individual user, interfering with or disrupting other network users, network services or network equipment. This includes uploading or transmitting files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files or any other similar software or programs that may damage the operation of another’s computer or network;

Manipulate or otherwise display the website by using framing, mirroring or similar navigational technology or directly link to any portion of the website other than the main homepage, www.everestglobal.com, in accordance with the limited license and website access outlined above, or;

We may take any one or more of the following actions in response to actual or suspected violations above:

issue warnings: written or verbal;
suspend access or posting privileges;
suspend or terminate the user's account;
charge the user for administrative costs and/or reactivation charges; or 
bring legal action to enjoin violations and/or to collect damages, if any, caused by violations. 

We may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as may be expressly limited by our Privacy Notices Everest reserves the right at all times to disclose any information it deems necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Everest’s sole discretion.

XII. RIGHT TO MONITOR

We neither actively monitor use of this website under normal circumstances, nor exercise editorial control over the content of any third party's website, electronic mail transmission, news group, or other material created or accessible through this website. We, in our sole discretion, reserve the right to remove any materials from this website. 

XIII. TERMINATION

We, in our sole discretion, and without prior notice, may terminate your password, account (or any part thereof), access or use of this website, and remove and discard any content within the website, for any reason, including, without limitation, for lack of use or if we believe that you have violated or acted inconsistently with these Terms and Conditions or the purpose of this website.

XIV. DATA SECURITY

This website has what we believe to be reasonable security measures to protect the loss, misuse, and alteration of the information under our control. While we take steps we believe to be reasonable to protect the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent third-party "hackers" from illegally obtaining this information. 

XV.  INTERNATIONAL USERS

 

This website is controlled and operated by Everest from offices within the United States of America. We make no representation that materials at this website are appropriate or available for use outside the United States or that access to the content, materials or features/functions from all countries and/or territories is legal. You may not use the website or export the Web Site materials in violation of export laws and regulations. This website is not directed to any person in any jurisdiction and by accessing this website, you are responsible for compliance with all applicable laws and regulations.

 

XVI. MISCELLANEOUS

We may not be qualified to offer for sale in all jurisdictions where this website is accessible all of the products and services described in this website.

These Terms and Conditions, the Privacy Policy and the Company's other policies posted on this website constitute the entire agreement between you and the Company with respect to your use of this website and may be amended only: (i) by an authorized officer of the Company "executing a writing" amending these Terms and Conditions; or (ii) the Company posting a revised statement of these Terms and Conditions, the Privacy Policy and any other user policies and agreements. Users are deemed to be aware of and bound by any such changes. We shall not be deemed to have waived any rights or remedies accruing to it hereunder without "executing a writing" regarding such waiver. No delay or omission by us in exercising any right shall operate as a waiver of said right on any future occasion. For purposes hereof and notwithstanding any law recognizing electronic signatures or records, "executing a writing" shall mean only an amendment or waiver in a tangible form bearing an actual "wet" signature in ink manually applied by each party's authorized representative, unless both parties agree otherwise by making a specific reference to this Article.

You agree to indemnify, defend, and hold harmless Everest, its affiliates and their officers, directors, employees, contractors, agents, licensors, service providers, subcontractors, and suppliers from and against any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys' fees and court costs, arising or resulting from your use of the website or any violation of these Terms of Use. If you cause a technical disruption of the website or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys' fees and court costs, arising or resulting from that disruption.  The Owner reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with the Owner in the defense of such matter.  All of Everest’s rights and remedies hereunder shall be cumulative and may be exercised singularly or concurrently.

This Agreement is governed by New Jersey law without regard to conflict of law provisions.

The federal and state courts located in New Jersey alone have jurisdiction over all disputes arising out of or relating to this Agreement and the website. You consent to the personal jurisdiction of such courts sitting in the aforementioned State with respect to such matters or otherwise between you and us, and waive your rights to removal or consent to removal.

Any provision of these Terms and Conditions that by their nature extend beyond the expiration of this agreement shall survive expiration or termination of this agreement and shall remain in effect until all such obligations are fully satisfied.

If any provision of these Terms and Conditions or the application thereof to any party or circumstances shall, to any extent, are found to be unenforceable, the remainder of these Terms and Conditions shall remain valid and enforceable.