A subsidiary of HCC Insurance Holdings, Inc. Rated AA by Standard & Poor’s and A+ by A.M. Best

Mention légale

1. Website ownership

HCC GLOBAL FINANCIAL PRODUCTS.(HCC Global Financial Products, S.L. Sole Shareholdership.) with registered office at Josep Pla, 2, 10 th Floor, Torre Diagonal Mar, 08019 Barcelona ( Spain ), VAT Reg. No. B-61956629 and entered in the Companies Register of Barcelona under Book 31639 , Page 159, Sheet B-196767 on the 26 th day of May, 1999 (information supplied in accordance with the provisions of article 10 of Information Society Services and Electronic Commerce Act 34/2002) is using the http://www.hcc-global.com website (hereinafter, the website) which is made available to Internet users in order to provide information on the services rendered by HCC GLOBAL FINANCIAL PRODUCTS.

The domain name hcc-global.com has been registered by Mr. Robert Matthew Fairfield with registered office in Josep Pla 2, 10 th Floor, Torre Diagonal Mar, 08019 Barcelona ( Spain ).

2. HCC GLOBAL FINANCIAL PRODUCTS domain names notified to the relevant Registers

HCC GLOBAL FINANCIAL PRODUCTS hereby declares that the Companies Register of Barcelona has been notified of the domain names currently in use in accordance with the provisions of article 9 of Information Society Services and Electronic Commerce Act 34/2002, 11th July.

3. General Terms of Use and Acceptance thereof

The object of these general terms for using the website along with such specific terms as may be established is regulating and informing users of the services provided by the company HCC GLOBAL FINANCIAL PRODUCTS and regulating use of the website.

By accessing and using the website services, the User full unreservedly accepts all the general terms of use, the general terms of business and such others as may be in place in relation to the provision of services by HCC GLOBAL FINANCIAL PRODUCTS.

HCC GLOBAL FINANCIAL PRODUCTS may at any time and without notice change these general terms and such others as may be included by posting amended general terms at the website in order that users may previously become acquainted with them. Notice of any amended term shall be posted on the website’s main page for as long as may be deemed reasonable.

GENERAL TERMS OF USE OF THE WEBSITE

1. Cookies

The HCC GLOBAL FINANCIAL PRODUCTS website only uses cookies in the website to collect non-personal usage data. No personal data are being collect through the website. Should their use be envisaged in the future, HCC undertakes to properly inform the user of their existence and of the means available for the user to disable the same.

2. Intellectual Property. Hyperlinks Policy

2.1. All the contents included at the website and in particular the trade marks, trade names, industrial designs, designs, texts, photographs, graphics, logotypes, icons, software or any other signs capable of being used industrially and commercially are protected by intellectual property rights of HCC GLOBAL FINANCIAL PRODUCTS or third-party proprietors who have authorised their inclusion at the website. Any use and/or reproduction of the same without the express consent of HCC GLOBAL FINANCIAL PRODUCTS is therefore forbidden.

2.2. HCC GLOBAL FINANCIAL PRODUCTS shall not be liable for the infringement of third-party intellectual property rights derived from the inclusion at the website of trade marks, trade names, industrial designs, patents, designs, texts, photographs, graphics, logotypes, icons or software belonging to third parties purporting to be their owners upon their inclusion at the website.

2.3. User access and browsing shall at no event imply an authorisation or a total or partial waiver, transfer, assignment of those rights nor the grant of any right or prospective right and specifically, to alter, transform, utilise, reproduce, distribute or publicly communicate those contents without the prior express authorisation of HCC GLOBAL FINANCIAL PRODUCTS or of the relevant owners.

2.4. No link whatsoever may be established to the Portal from any other websites without the prior express consent of HCC GLOBAL FINANCIAL PRODUCTS.

The links established shall always be to the main page of HCC GLOBAL FINANCIAL PRODUCTS or as the case may be to whatever page is established by HCC GLOBAL FINANCIAL PRODUCTS, such link to be absolute and complete in order for the User to be taken to the HCC GLOBAL FINANCIAL PRODUCTS site with the main page being shown fully on screen.

2.5. HCC GLOBAL FINANCIAL PRODUCTS shall not be liable for the contents of the destination websites established by links at the website nor indeed for the infringements of third-party rights for which those sites may be liable.

3. Liability of HCC GLOBAL FINANCIAL PRODUCTS

The User agrees and accepts that it shall be fully liable for the use of the website and its services.

HCC GLOBAL FINANCIAL PRODUCTS declares that all necessary steps have been taken to the best of its ability and as available in the state of the art to ensure website operation and prevent the existence and transmission of viruses and other components potentially harmful to the User.

4. User Obligations

The User agrees to use the website contents reasonably, properly and lawfully and undertakes to refrain from:

a) Using the contents for purposes or resulting in effects contrary to the Law, ethics and accepted principles of morality or public policy.

b) Reproducing, copying, distributing, allowing public access through any public communication whatsoever, transforming or changing the contents, other than with the relevant owner’s authorisation.

c) Using the website contents to send advertising, communications for the purpose of direct sale or any other commercial purpose, unsolicited messages addressed to a number of people irrespective of their purpose, moreover refraining from howsoever marketing or disclosing such information.

5. Applicable laws

The relations established between the User and the website owner shall be governed by the provisions of the rules in force in the matter of applicable laws and competent jurisdiction. Nevertheless, where the law allows the parties to voluntarily submit to a forum, HCC GLOBAL FINANCIAL PRODUCTS and the User, expressly waiving any other forum available to them, hereby submit to the Courts and Tribunals of Barcelona.

The rules laid down in Spanish Laws shall apply in any event.