AGREEMENT BETWEEN USER AND ACM Insurances Ltd

The ACM Insurances Ltd Web Site is comprised of various Web pages operated by ACM Insurances Ltd.

The ACM Insurances Ltd Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the ACM Insurances Ltd Web Site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

ACM Insurances Ltd reserves the right to change the terms, conditions, and notices under which the ACM Insurances Ltd Web Site is offered, including but not limited to the charges associated with the use of the ACM Insurances Ltd Web Site.

LINKS TO THIRD PARTY SITES

The ACM Insurances Ltd Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of ACM Insurances Ltd and ACM Insurances Ltd is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. ACM Insurances Ltd is not responsible for webcasting or any other form of transmission received from any Linked Site. ACM Insurances Ltd is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by ACM Insurances Ltd of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the ACM Insurances Ltd Web Site, you warrant to ACM Insurances Ltd that you will not use the ACM Insurances Ltd Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the ACM Insurances Ltd Web Site in any manner which could damage, disable, overburden, or impair the ACM Insurances Ltd Web Site or interfere with any other party's use and enjoyment of the ACM Insurances Ltd Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the ACM Insurances Ltd Web Sites.


ACM Insurances Ltd reserves the right at all times to disclose any information as 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 ACM Insurances Ltd's sole discretion.

MATERIALS PROVIDED TO ACM Insurances Ltd OR POSTED AT ANY ACM Insurances Ltd WEB SITE

ACM Insurances Ltd does not claim ownership of the materials you provide to ACM Insurances Ltd (including feedback and suggestions) or post, upload, input or submit to any ACM Insurances Ltd Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting ACM Insurances Ltd, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, reproduce, edit, translate and reformat your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. ACM Insurances Ltd is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in ACM Insurances Ltd's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

WHILST WE MAKE BEST ENDEAVOURS TO ENSURE THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE ACM Insurances Ltd WEB SITE ARE ACCURATE AND UP TO DATE, THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. ACM Insurances Ltd AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE ACM Insurances Ltd WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE ACM Insurances Ltd WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD OBTAIN PERSONAL PROFESSIONAL ADVICE TAILORED TO YOUR SPECIFIC SITUATION FROM YOUR ACM ADVISOR OR LEGAL OR MEDICAL ADVISOR BEFORE RELYING ON THE INFORMATION.

ACM Insurances Ltd AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE ACM Insurances Ltd WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. ACM Insurances Ltd AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ACM Insurances Ltd AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE ACM Insurances Ltd WEB SITE, WITH THE DELAY OR INABILITY TO USE THE ACM Insurances Ltd WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE ACM Insurances Ltd WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE ACM Insurances Ltd WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF ACM Insurances Ltd OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE ACM Insurances Ltd WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE ACM Insurances Ltd WEB SITE.

SERVICE CONTACT : acm@acmonline.co.nz

TERMINATION/ACCESS RESTRICTION

ACM Insurances Ltd reserves the right, in its sole discretion, to terminate your access to the ACM Insurances Ltd Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of New Zealand in all disputes arising out of or relating to the use of the ACM Insurances Ltd Web Site. Use of the ACM Insurances Ltd Web Site is unauthorised in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and ACM Insurances Ltd as a result of this agreement or use of the ACM Insurances Ltd Web Site. ACM Insurances Ltd's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of ACM Insurances Ltd's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the ACM Insurances Ltd Web Site or information provided to or gathered by ACM Insurances Ltd with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and ACM Insurances Ltd with respect to the ACM Insurances Ltd Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and ACM Insurances Ltd with respect to the ACM Insurances Ltd Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the ACM Insurances Ltd Web Site are: Copyright 2007 ACM Insurance and/or its suppliers. All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.