By using this site, you agree at all times during your use of this site to abide by these terms of use and any additions or amendments to these terms. Please read the terms of use carefully. Hooghuis, Inc. reserves the right, in their sole and absolute discretion, to change, modify, add or remove portions of these terms at any time. In addition, when using this site or a service of this site, you will be subject to any posted guidelines, rules or policies for the service. Those guidelines, rules and policies, whether now existing or adopted in the future, are incorporated by reference into these terms of use.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND HOOGHUIS, INC. AND ITS SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, "HOOGHUIS, INC.") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. HOOGHUIS, INC. DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. HOOGHUIS, INC. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT HOOGHUIS, INC.) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL 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.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY HOOGHUIS, INC.. HOOGHUIS, INC. IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY HOOGHUIS, INC. OF THE WEBSITES OR THE CONTENT THEREOF.

JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, HOOGHUIS, INC. makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by HOOGHUIS, INC.. No security, insurance product or other product or service is offered or will be sold by HOOGHUIS, INC. or, if sold by HOOGHUIS, INC., will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

PROPRIETARY RIGHTS

Hooghuis Inc. (hereinafter "HOOGHUIS, INC." or sometimes "us" or "we") maintains this Internet site as a service to the Internet community. The design of this site and information contained within are protected by copyright, trademark and other intellectual property and proprietary rights. The selection, arrangement and design of the entire contents of this Internet site, as well as the original contents herein, are the property of HOOGHUIS, INC..®

This site may be viewed and its contents downloaded by you for your own personal non-commercial use or your company's use internally or for HOOGHUIS, INC.'s clients. You must keep intact all copyright and other proprietary notices. The site and its contents may not be displayed, modified, transmitted, reproduced, copied, licensed, sold, broadcast, published, re-published or distributed in whole or in part in any manner without the prior written consent of HOOGHUIS, INC..

Any information, other than personal data or information, you transmit to HOOGHUIS, INC. via this website, by 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 HOOGHUIS, INC.. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. HOOGHUIS, INC. is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to HOOGHUIS, INC. via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

All trademarks, services marks, trade names, logos, and icons are proprietary to HOOGHUIS, INC.. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of HOOGHUIS, INC.. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, HOOGHUIS, INC.. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by HOOGHUIS, INC.. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. HOOGHUIS, INC. does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

COPYRIGHT COMPLAINTS

HOOGHUIS, INC. respects the intellectual property of others, and we ask our visitors and clients to do the same. HOOGHUIS, INC. may, in appropriate circumstances and at its discretion, terminate access by a visitor or client who infringes the intellectual property rights of others. If you believe that your work has been copied and is accessible on the HOOGHUIS, INC. site in a way that constitutes copyright infringement, please notify HOOGHUIS, INC. by providing its Copyright Agent with the following information:

• an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
• a description of the copyrighted work that you claim has been infringed;
• a description of where the material that you claim is infringing is located on the HOOGHUIS, INC. site;
• your address, telephone number, and email address;
• a statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and
• a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

DISCLAIMER

This site has been established for the benefit of HOOGHUIS, INC. clients. If you are a client user of one of our extranets, you may also be able to perform certain functions via the site, including but not limited to:

• obtaining bound premium and loss run information;
• generating submissions;
• receiving indications, quotations and insurance binders;
• obtaining access to a library of disclosure practices; and
• accessing our policy forms and applications

HOOGHUIS, INC. does not undertake to respond to any electronic mail, submissions or requests from visitors who are not clients of HOOGHUIS, INC.. HOOGHUIS, INC. makes no promise or undertaking that it will insure any risk submitted through this site or by email. By using this site, you acknowledge that it has been provided for the convenience of HOOGHUIS, INC. and for its clients.

HOOGHUIS, INC. acts as underwriting managers on behalf of certain Underwriters at Lloyd’s of London. WE WILL USE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION, BUT MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE INFORMATION PROVIDED HERE. WE SHALL NOT BE LIABLE FOR DAMAGES OF ANY KIND ARISING OUT OF YOUR ACCESS, OR INABILITY TO ACCESS THE HOOGHUIS, INC. SITES OR OTHER SITES OWNED OR CONTROLLED BY HOOGHUIS, INC. OR FOR YOUR RELIANCE ON THE INFORMATION ON THE HOOGHUIS, INC. SITES, OR OTHER SITES CONTROLLED BY HOOGHUIS, INC., OR FOR THE LOSS, CORRUPTION, OR MISDIRECTION OF ANY DATA OR INFORMATION THAT YOU PROVIDE TO US.

The products and services descriptions included are for the sole purpose of providing a general reference tool concerning the nature and type of products and services available from HOOGHUIS, INC.. The descriptions are not intended to be relied upon by clients or by potential clients. The descriptions of policy and contract provisions in this web site provide only a broad overview of coverages. All coverages are subject to conditions, coverage limits, limits of liability, limitations and exclusions as contained in the quoted and bound policy or contract. See the policy or contract itself for an exact description of the coverage provided. If you are interested in a particular product or service, please contact a properly licensed broker.

WE DISCLAIM ALL LIABILITY FOR ANY COMPUTER VIRUSES OR OTHER DISABLING COMPUTER CODE THAT MAY BE LOADED INTO YOUR COMPUTERS WHEN YOU DOWNLOAD DOCUMENTS FROM THIS WEB SITE. HOOGHUIS, INC. PROVIDES ACCESS TO TOOLS, INCLUDING DOWNLOADABLE TOOLS, BUT DOES NOT GUARANTEE THEIR SUITABILITY FOR ANY TASK, THEIR ACCURACY, RELIABILITY OR USEFULNESS, OR THEIR FUNCTIONALITY ON THE USER'S COMPUTER. Users of this site are advised to obtain and use appropriate anti-virus and security software. The access provided to the tools does not include any proprietary rights in the tools. The rights to any such tools shall at all times be retained by HOOGHUIS, INC. or its licensors. ALTHOUGH WILL NOT KNOWINGLY INFRINGE THE RIGHTS OF THIRD PARTIES, IT MAKES NO REPRESENTATION OR WARRANTY THAT THE TOOLS PROVIDED DO NOT INFRINGE THE RIGHTS OF OTHERS.

By clicking on certain links you can visit other sites selected within the HOOGHUIS, INC. site. The linked sites are not under the control of HOOGHUIS, INC. and HOOGHUIS, INC. is not responsible for the contents of any linked site or any link contained in a linked site. HOOGHUIS, INC. is providing these links to you only as a convenience, and inclusion of any link does not imply endorsement by us of a linked site. HOOGHUIS, INC. is under no obligation to maintain any link and may remove a link at any time in its sole discretion for any reason whatsoever.

This agreement does not create a confidential relationship between you and us. We shall have no liability whatsoever for the results of submissions of information or requests to this site or by means of this site.

We reserve the right to change the products and services referred to in the HOOGHUIS, INC. sites, to discontinue the sites and to change this legal statement and the terms and conditions of use at any time.

PRIVACY

We understand that Web-enabled clients are concerned about the privacy of information. We have established policies and procedures concerning the collection, use and security of information that will help protect the privacy of registered clients. Our information privacy standards are designed to help us serve our customers while maintaining our own strict security standards.

We will only collect personal information from clients based on their usage of this site. This information is collected in order to enable HOOGHUIS, INC. to better identify and serve its clients and to respond better to their needs. We also collect and store certain information in order to answer your email and to measure your interest in the various products offered by HOOGHUIS, INC.. We will not intentionally disclose this information to anyone outside HOOGHUIS, INC., and the subsidiaries and affiliates without the client's express permission, unless disclosure is disclosure is: (1) necessary to effect, administer or enforce a transaction requested or authorized by a consumer; (2) required by law, or is in compliance with legal process; (3) is necessary to protect our rights or our business reputation; or (4) to act in an emergency situation to protect personal safety or to prevent harm to persons or property.

We will collect information about the ISP and the Browser that clients use to visit the HOOGHUIS, INC. site and we will use this information to compile statistics to serve our clients better. This site does not use cookies, but may add this function in the future. A cookie is a small file that is only created to help clients navigate around the site, and for us to track the traffic to our site. You may refuse the cookies.

SECURITY

We cannot provide any assurance of privacy over a network that is not a secure network or over a network that we do not control. The Internet is not a secure network and, aside from our own servers, not within our control. However, HOOGHUIS, INC. will collect and store personal details and risk submissions using the Secure Socket Layer (SSL) protocol, a secure server and security protocol to help safeguard the information you provide while interacting with us. SSL encrypts your information so a third party cannot easily read the information while in transit.

Electronic Message and E-Mail Security – Messages traveling through the Internet using your Internet provider's e-mail process are subject to viewing, alteration and copying by others. We are not responsible for the security or confidentiality of communications you send to HOOGHUIS, INC. through the Internet using the e-mail process.

TERMINATION

These terms of use are effective until terminated by either party. You may terminate your registration by discontinuing use of this site and destroying any materials obtained from this site. HOOGHUIS, INC. may terminate this agreement at any time without notice, and remove and discard the site or any content within the site, for any reason, including, without limitation, for lack of use. HOOGHUIS, INC. may terminate your registration and use of this site if it believes that you have violated or acted inconsistently with the letter or spirit of the terms of use.

LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND THAT UNDER NO CIRCUMSTANCES SHALL HOOGHUIS, INC. BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS SITE, EVEN IF HOOGHUIS, INC. OR A HOOGHUIS, INC. AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES ANY STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE.

SINCE SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL HOOGHUIS, INC.'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS U.S.

INTERPRETATION

The terms and conditions of use in this statement are intended as guidelines and are not meant to be exhaustive. Generally, conduct that violates law, regulation, or the accepted standards of the Internet community, whether or not expressly mentioned in this statement, is prohibited. HOOGHUIS, INC. reserves the right at all times to prohibit activities that damage its commercial reputation and goodwill or the commercial reputation and goodwill of its vendors and clients. We may modify the terms and conditions of this statement at any time. We may add, delete or modify any provision of this statement at any time without notice. We may take whatever action we deem appropriate, including (among other things) investigating allegations of improper activities, making reports to law enforcement authorities or terminating service to you, if we believe that there has been a violation of the terms and conditions of this statement or a breach of our agreement with you.

CHOICE OF LAW AND JURISDICTION

These terms of use will be governed by and construed in accordance with the laws of the United States and the State of New York, without giving effect to any conflict of law principles. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the state or federal courts located in New York and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.