regarding the use of the Hannover Re internet website.
This website (the "Website") is provided by Hannover Rück SE and affiliated companies (collectively "Hannover Re"). By entering the Website, the user agrees to abide by the following terms and conditions of use. Hannover Re reserves the right to modify or amend these terms and conditions at any time.
Hannover Re has used its best judgement and efforts in compiling information for the Website. Some of the statements on this Website are based on currently available information. Naturally, such statements are subject to risks and uncertainties. Factors such as the overall economic development, future market conditions, unusual catastrophic loss events, changes in the capital markets as well as other circumstances may cause actual events or results to be materially different from those anticipated or estimated. As such, Hannover Re and its affiliated companies do not assume any responsibility for the accuracy, completeness or timeliness of such statements. Likewise, in no event shall Hannover Re and its affiliated companies be liable for any decision made and action taken in conjunction with the statements on this Website or for any related damages. Furthermore, Hannover Re cannot be held liable for any loss or damage caused by any virus or similar as a result of use of the Website.
The Website contains certain hyperlinks which enable the user to leave the Website and enter third-party websites. Although the linked pages or third-party content were carefully checked at the time of initial linking, the possibility cannot be ruled out that content may subsequently be changed by the respective external providers. Hannover Re has no influence over the content of such third-party websites and it is not reasonable to continuously check all hyperlinks without due cause. Hannover Re therefore expressly excludes any liability for the content of third-party websites. Should you believe any content (including linked external pages or content) violates applicable law or is otherwise inappropriate, please let us know so that we can respond without delay.
The texts, sound, animation and video files, layout and graphics as well as other protected content contained on this Website are subject to copyright protection and other protective legislation. Some content and images on this Website are subject to third-party copyright. This Website only grants a simple right of use exclusively for the intended use of this Website. Unless expressly indicated otherwise in individual cases, no licence or other rights of use to the protected intellectual property on this Website are granted. Reproduction, modification or other use in any form, including decompiling or reverse engineering, in order to obtain the source code of content is only permitted with the express consent of Hannover Re or other entitled parties, unless expressly permitted by law. The information contained on the Website may only be printed out or downloaded for personal and non-commercial use, unless expressly indicated otherwise in individual cases.
The right to make reproductions of content protected by copyright for the automated analysis of individual or multiple digital or digitalised works in order to gather information, in particular regarding patterns, trends and correlations, and to carry out text and data mining (Section 44b Copyright Act [UrhG]) is expressly reserved. Spidering, screen scraping and any other automated retrieval of protected content is prohibited, as is the use of content for the development and refinement (training) of applications and systems in the field of artificial intelligence (AI), including so-called generative AI, language models such as large language models (LLMs), neural networks and machine learning.
"Hannover Rück" / "Hannover Re" and various other trademarks, company logos and work titles, including those of affiliated companies, are legally protected in various jurisdictions. Other product names referred to on the Website may similarly be legally protected designations, potentially also of third parties. Hannover Re and our licensors reserve all rights not expressly granted. The mere making available to the public of trademarks, company logos and work titles does not constitute such a granting of rights.
When the user accesses the Website, possible identification data and other information may be recorded. Hannover Re will treat such information in the strictest confidence and reserves the right to use such information for statistical purposes only. If the user sends Hannover Re an e-mail, Hannover Re will only use the user's address for correspondence and in responding to the user's request.
If any clause or provision of these terms and conditions is adjudged by a competent court of law to be invalid, the remaining terms and conditions shall remain in full force and effect.
To the extent permitted by law, these terms and conditions shall be construed in accordance with the laws of the Federal Republic of Germany. The courts of Hannover shall have jurisdiction to determine any dispute relating to these terms and conditions and use of the Website.
All press releases issued by Hannover Re (including all affiliated companies) are intended solely for informational purposes, unless expressly communicated otherwise or published in connection with information required by law and statutory duties of notification. Certain statements in this press release that are forward-looking or contain specific expectations for the future are based on currently available information. They are made on an "as is" basis without any express or implied warranty, fitness for purpose or merchantable quality and may be subject to change without notice. Such statements inherently entail risks and uncertainties. Circumstances such as general economic developments, future market conditions, extraordinary loss expenditures due to catastrophes, movements on capital markets and other circumstances may cause actual events or results to differ substantially from those projected in forward-looking statements. Insofar as press releases do not contain information required by law and are not subject to statutory duties of notification, Hannover Re (including all affiliated companies) assumes no responsibility for the correctness, completeness, accuracy, reliability and timeliness of the statements. All claims for damages in connection with decisions and actions taken on the basis of this press release are also excluded, insofar as legally permissible, and are expressly rejected.