TERMS & CONDITIONS
Dated: February 2020
This document sets out the terms that you agree to abide by when using this site and other Akrea Insurance content. All references to “Akrea Insurance” mean Akrea Ltd., an EU company, registered and domiciled in Bulgaria, corporate ID 205518172, which is as well an EU licensed insurance broker and risk management advisor, FSC Licence № 53-ЗБ/21.01.2020.
The following rules and regulations apply to all visitors to or users of the Akrea Insurance website, Akrea Insurance social media, and other content created by Akrea / Akrea Insurance (collectively, the “Site”), including all pages maintained by Akrea Insurance and accessed through the Site, the home page of which is at www.akreains.com. Please carefully read and review the following terms and conditions (collectively, the “Terms”), as they govern your use of the Site. By accessing our Site, you agree to abide by these Terms. If at any time you do not agree to these Terms, please do not enter or use our Site.
BY USING THIS SITE, YOU INDICATE YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS.
These Terms constitute the entire Agreement and understanding between you and Akrea Ltd. regarding your access and use of the Site. We are providing you access to our Site conditioned upon your complying with these Terms. If you violate these Terms, we reserve the right to seek any and all available legal remedies available to us. We may terminate your access to our Site at any time for any reason in our sole discretion and without prior notice to you.
These Terms may be revised periodically and you are responsible for complying with any changes posted on the Site, and your continued use of our Site following our posting any revisions to these Terms constitutes your agreement to be bound by the revised Terms. We reserve the right, at any time and in our sole discretion, to revise these Terms & Conditions, as we deem necessary. Any and all changes will take effect once posted.
You agree (i) not to use the Site to upload or distribute in any way files that contain viruses, bugs, corrupted files, or any other similar software or programs that may damage the operation of computer hardware or software; (ii) not to interfere or disrupt the Site or any networks connected to the Site; (iii) not to use any device, software or routine or attempt to interfere with the proper functioning of the Site or any transactions being offered at the Site; (iv) not to take any action that imposes an unreasonable or disproportionately large load on Akrea Insurance’s infrastructure; (v) not to use the Site to collect or harvest personal information, including, without limitation, financial information, about other participants at the Site; (vi) not to impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity; and (vii) not to post any misleading, fraudulent, defamatory, obscene or otherwise illegal information on the Site. You agree not to use the services available at the Site for illegal purposes, and to comply with all regulations, policies and procedures of networks connected to the Site.
- Intellectual Property
All information and material including data, images, text and audio on the Site is the property of Akrea Ltd. and/or its licensors and is subject to copyright. All trademarks on the Site are the property of Akrea Ltd. and/or its licensors. You are entitled to view, copy and print any documents from the Site but only for your own internal business purposes. Any sale, transmission or redistribution of the Site or its content, and any copying, modification or other use of the site or its contents for any purposes other than your own internal business purposes, are strictly prohibited.
All software used on the Site is the property of Akrea Ltd. or its software suppliers. Akrea Ltd. hereby grants you a non-exclusive, royalty-free, non-transferable, revocable license to use software it owns solely for the purposes of this agreement. Other than, to the extent permitted by law, you may not decompile, reverse engineer or otherwise translate such software.
The Site may contain links to (i) non-Akrea Insurance sites, or (ii) Akrea Insurance material that is hosted on third-party websites. These links are provided to you only as a convenience. Such linked sites are not under the control of Akrea Ltd. and Akrea Ltd. is not responsible for the contents of any linked site, or any link contained in a linked site. The inclusion of any link does not imply endorsement by Akrea Ltd. of the site, and Akrea Ltd. shall have no responsibility for information which is referenced by or linked to the Site. To the maximum extent allowed by law, you further acknowledge and agree that Akrea Ltd. 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 information, goods or services available on or through the Site. If you decide to access any of the third party sites linked to the Site, you do so entirely at your own risk. Akrea Ltd. has a no-tolerance policy regarding the use of our trademarks or names in metatags and/or hidden text. Specifically, the use of our trademarks or names in metatag keywords is trademark infringement, and the use of trademarks or names in page text, metatags, and/or hidden text for purposes of gaining higher rankings from search engines is unfair competition. Linking to any of our web pages is prohibited absent express written permission from us. Framing, inline linking or other association of the Akrea Ltd. And/or Akrea Insurance Site or its materials with links, advertisements and/or other information not originating from our Site is expressly prohibited.
- No Warranties
Without limiting the foregoing, Akrea Insurance does not make any warranty that (i) the services offered on the Site will meet your requirements, (ii) the services offered on the Site will be uninterrupted, timely, secure or error-free, (iii) the results that may be obtained from the use of the services will be accurate or reliable, (iv) the content or information available on the Site is complete, accurate or available, or (v) the quality of any products, services, information, or other material purchased or obtained by you through the services will meet your expectations. No advice or information, whether oral or written, obtained by you from Akrea Ltd. or through this Site shall create any warranty not expressly made herein.
Akrea Ltd. does not it convey legal, accounting, tax, career, or other professional advice of any kind. Anyone viewing information contained in this site should not act upon it without seeking professional counsel. In short, the Site’s content should not be relied upon or used as a substitute for consultation with professional advisors. The Site’s content concerns topics selected by Akrea Insurance for dissemination to the general public, and is offered on a blind basis, without any knowledge as to your industry, identity, or specific circumstances.
- Limited Liability
TO THE MAXIMUM EXTENT ALLOWED BY LAW, AKREA LTD. AND ITS OFFICERS, DIRECTORS, SHAREHOLDERS AND AFFILIATES SHALL NOT BE LIABLE FOR ANY LOSS OF BUSINESS, LOSS OF USE OR OF DATA, INTERRUPTION OF BUSINESS, LOST PROFITS OR GOODWILL, OR INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING OUT OF THIS AGREEMENT, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS AND WHETHER OR NOT THEY HAD ANY KNOWLEDGE, ACTUAL OR CONSTRUCTIVE, THAT SUCH DAMAGES MIGHT BE INCURRED. THIS EXCLUSION INCLUDES, WITHOUT LIMITATION, ANY LIABILITY THAT MAY ARISE OUT OF THIRD-PARTY CLAIMS AGAINST YOU.
You shall indemnify, defend, and hold harmless Akrea Ltd. and its shareholders, affiliates, employees, agents, successors, officers, and assigns, from any suits, losses, claims, demands, liabilities, costs and expenses (including legal and accounting fees) that they may sustain or incur arising from (i) your use of content available at the Site, (ii) your failure to comply with any applicable laws and regulations or to obtain any licenses or approvals from the appropriate government agencies necessary to purchase or sell the subject services, (iii) your use of the content available on the Site in any way contrary to this agreement (iv) your breach of any of your representations, warranties or obligations set forth in this agreement, (v) the sale or purchase, or purported sale or purchase, of services by you, or any loss suffered by or harm to any person or property in any way relating to or caused in whole or in part by the services sold or purchased by you (including to the extent permissible by law, without limitation, any personal injuries or death of any third person caused in whole or in part by such services), (vi) any taxes attributable to the services or due on the purchase or sale of the services, (vii) any dispute between you and a Vendor or Buyer arising out of a transaction initiated via the Site, (viii) alleged errors or omissions or misrepresentations in the information provided by you to Akrea Ltd. hereunder or in the listings of services on the Site. You are prohibited from settling any action, claim or demand on our behalf without our prior written consent. Akrea Ltd. shall have the right to conduct any litigation, with counsel of its choice, at your expense.
You acknowledge that Akrea Ltd. or its designees reserves the right to, and may from time to time, monitor any and all activity or information transmitted or received through the Site. Akrea Ltd., in its sole discretion and without further notice to you, may (but is not obligated to) review, censor or prohibit any activity or the transmission or receipt of any information which Akrea Ltd. in its sole discretion deems inappropriate or that violates any term or condition of this Terms & Conditions Agreement. During monitoring, information may be examined, recorded, copied, and used for authorized purposes. Use of the Site, authorized or unauthorized, constitutes consent to such monitoring.
- Provision of Data
Solely to enable Akrea Insurance to use information you supply us with, you grant to Akrea Ltd. a non-exclusive license to (i) convert such information into digital format such that it can be read, utilized and displayed by Akrea Insurance’s computers or any other technology currently in existence or hereafter developed capable of utilizing digital information, (ii) use, reproduce, modify, display, market, publish, distribute, and transmit the information in connection with operating, demonstrating, or marketing the Site or Akrea Ltd.’s services, and (iii) combine the information with other content provided by Akrea Insurance, in each case by any method or means or in any medium whether now known or hereafter devised. The foregoing licenses shall include the right to grant sublicenses to the users of the Site to print all or any portion of the information for internal business purposes. Akrea Insurance retains all ownership rights in and to any modifications, enhancements or other contributions made by or on behalf of Akrea Insurance to any information provided by you.
You agree that Akrea Ltd. may, in its sole discretion, deny you access to the Site and disable any user name and password associated with you for any reason, including, without limitation, if Akrea Ltd. believes in its sole discretion that you have violated or acted inconsistently with the letter or spirit of this agreement. Akrea Ltd. / Akrea Insurance reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the services offered under the Site (or any part thereof) with or without notice. You agree that Akrea Ltd. shall not be liable to you or to any third party for any modification, suspension or discontinuance of the services offered under the Site. Notwithstanding any other provisions herewith, paragraphs 5 (No Warranties), 6 (Limited Liability), 7 (Indemnity), 10 (Termination) and 11 (General) shall survive its termination and shall continue in full force and effect.
The Site is created, controlled and maintained by Akrea Ltd., an EU company, registered and domiciled in Bulgaria, corporate ID 205518172, and the laws of Bulgaria govern this Terms & Conditions Agreement. Akrea does not imply that the materials published on the Site are appropriate for use outside of the European Union. If you access the Site from outside of the European Union, you do so on your own initiative and you are responsible for compliance with local laws.
Any waiver of any right or provision of this Terms & Conditions Agreement will be effective only if signed by an officer of Akrea Ltd. and the failure of Akrea Ltd. to exercise or enforce any term or condition shall not constitute a waiver of such right or provision.
The provisions of these Terms are intended to be interpreted in a manner which makes them valid, legal, and enforceable. In the event any provision of these Terms is found to be partially or wholly invalid, illegal or unenforceable, such provision shall be modified or restricted to the extent and in the manner necessary to render it valid, legal, and enforceable. It is expressly understood and agreed between the parties that such modification or restriction may be accomplished unilaterally by us, or alternatively, by disposition of an arbitrator or a court of law. If such provision cannot under any circumstances be so modified or restricted, it shall be excised from the Terms without affecting the validity, legality or enforceability of any of the remaining provisions.
Akrea Ltd. reserves the right to make changes to the Site and this agreement at any time.
Akrea Ltd. reserves the right to refuse to list or to discontinue the listing of any services as it may choose in its sole discretion and without notice. Without limiting the generality of its right to exclude or discontinue the listing of services, Akrea Ltd. may, in its sole discretion, exclude services from the Site if they are believed not to meet applicable industry standards or if Akrea Ltd. receives complaints from users of the Site regarding listed services.
The rights and limitations in this Terms & Conditions Agreement are for the benefit of Akrea Ltd. and a person who is not a party to this agreement has no right to enforce any term of this Terms & Conditions Agreement.
Akrea Insurance respects the intellectual property rights of third parties. If you believe that anything on our Site infringes upon any copyright which you own or control, please notify us at firstname.lastname@example.org.
Akrea Ltd. and its affiliated companies retain all rights regarding their trademarks, trade names, brand names and trade dress. These marks, names or trade dress, and all associated logos or images, are registered and/or common law trademarks of Akrea Ltd. or its affiliates or licensors and are protected by Bulgarian, European Union and international laws and treaties. No license to the use of such marks, names or trade dress is granted to you under these terms and conditions or by your use of the Akrea Insurance Site. Your misuse of the trademarks displayed on the Akrea Insurance Site is strictly prohibited.
You may not issue any press release or make any public statement regarding your use or participation in the Site without the prior written permission of Akrea Insurance.
You and Akrea Insurance are independent contractors, and no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship or similar relationship between you and Akrea Insurance is intended or created by this Terms & Conditions Agreement.
“Akrea Insurance” is a trademark of Akrea Ltd. and its affiliates.
- Buyers and Vendors
All Providers/Suppliers/Vendors of services and/or Insurers/Risk Carriers are herein referred to as “Providers/Suppliers/Vendors of services and/or Insurers/Risk Carriers”. All buyers of services or/and insurance coverage are herein referred to as “Insureds/Clients/Buyers.” You are responsible for verifying the identity of Insureds/Clients/Buyers or Providers/Suppliers/Vendors of services and/or Insurers/Risk Carriers and for your decision to enter into a transaction with any of them. We will have no obligation for and we undertake no obligation to verify the credit rating of, or other information with respect to, unless specifically and explicitly assigned as your Broker of Record, any Insured/Clients/Buyers or Providers/Suppliers/Vendors of services and/or Insurers/Risk Carriers and we make no representation or warranty to you with respect to any Insureds/Clients/Buyers or Providers/Suppliers/Vendors of services and/or Insurers/Risk Carriers or their services.
- Akrea Insurance’s role in the transaction
Akrea Insurance is a marketing and information platform not involved as such and per se in the actual transaction between any Providers/Suppliers/Vendors of services and/or Insurers/Risk Carriers, and Insureds/Clients/Buyers, unless specifically and explicitly assigned as your Broker of Record. As a result, Akrea Insurance has no control over the quality, fitness for purpose or legality of the services advertised the truthfulness, completeness or accuracy of the listings, and the abilities and qualifications of the Providers/Suppliers/Vendors of services and/or Insurers/Risk Carriers, and Insureds/Clients/Buyers, unless specifically and explicitly assigned as your Broker of Record.
- Regulatory Provisions+
- You Are Responsible for Selecting Products & Services. We and our affiliates, if specifically and explicitly assigned as your Broker of Record, may provide a venue through which you can obtain information and you find third-party service providers and other professionals (“Service Providers”).
- No Guarantee of Quotes, Fees, Terms, Rates, Coverage or Services. We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers, unless specifically and explicitly assigned as your Broker of Record. We do not guarantee, unless specifically and explicitly assigned as your Broker of Record, that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available based on your specific needs.
- You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered.
- You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider’s products or services, including any fees charged by a Service Provider, unless specifically and explicitly assigned as your Broker of Record.