By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. When you visit this site again the conditions of use may have changed and you will be bound by the revised conditions of use.

To the fullest extent permissible under applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Malbun Insurance AG disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Malbun Insurance AG 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. Malbun Insurance AG 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 Malbun Insurance AG) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. This website may be linked to other websites which are not maintained by Malbun Insurance AG. Malbun Insurance AG 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 Malbun Insurance AGof the websites or the content thereof.

While Malbun Insurance AG uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. Malbun Insurance AG makes no warranties or representations as to the accuracy of the content of this website. To the fullest extent permissible under applicable law, neither Malbun Insurance AG nor any party involved in creating, producing, or delivering the website shall be liable to you in tort or contract for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Malbun Insurance AG or an authorized representative of Malbun Insurance AG has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, Malbun Insurance AG 's total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website. To the fullest extent permissible under applicable law, Malbun Insurance AG also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Insurance coverages are subject to underwriting, and may not be available in all countries and jurisdictions.

This website is owned and operated by Malbun Insurance AG. Except as otherwise expressly permitted by Malbun Insurance AG, no materials from this website or any website owned, operated, licensed or controlled by Malbun Insurance AG may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Malbun Insurance AG s written permission. Malbun Insurance AG neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Malbun Insurance AG.

Unless otherwise expressly set forth herein, Malbun Insurance AG 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 specifically set forth on this website 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. No security, insurance product or other product or service is offered or will be sold 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.

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks ("Trade-marks") of Malbun Insurance AG or of third parties and used under license by Malbun Insurance AG. The display of Trademarks on pages at this website does not imply that any license has been granted to any third party. All information in this website is protected under copyright legislation. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of Malbun Insurance AG. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this website. Any unauthorized downloading, re-transmission, or other copying or modification of Trademarks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action. Images displayed on this website are either the property of, or used with permission by, Malbun Insurance AG. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Any unprotected e-mail communication over the internet is subject to possible interception or loss, and is also subject to possible alteration. Malbun Insurance AG is not responsible for and will not be liable to you or anyone else for any damages resulting from interception, loss or alteration in connection with an e-mail sent by you to Malbun Insurance AG or an e-mail sent by Malbun Insurance AG to you.

This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the website, ensure that you check this notice.