RenRe Energy Advisors Ltd. Disclaimer and Terms of Use Agreement

This Website is for the education of visitors only and is not intended to constitute an offer to solicit business.

Acceptance of Terms

This Website is owned and maintained by RenRe Energy Advisors Ltd. or one or more of its affiliates ("RenRe Energy Advisors"). This Website provides users with access to an online collection of information and materials, including text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively, "Content").

PLEASE NOTE: Your access to and use of this Website are subject to the following Terms of Use, as well as all applicable laws and regulations. Please read these terms carefully. If you do not accept and agree to be bound by any of these terms or conditions you are not authorized to access or otherwise use this Website or any information or Content contained on this Website. Your access to and use of this Website constitute your acceptance of and agreement to abide by each of these terms and conditions set forth below. These Terms of Use may be changed, modified, supplemented or updated by RenRe Energy Advisors from time to time without advance notice. The most recent version of these Terms of Use is reflected by the version date located at the bottom of these Terms of Use. Unless otherwise indicated, any new Content added to this Website will also be subject to these Terms of Use effective upon the date of any such addition. You are encouraged to review this Website periodically for updates and changes.

Limited License and Site Access

You warrant that when using this Website you shall not:

resell or transfer any Content of this Website;
impersonate, or otherwise misrepresent your affiliation with any other person or entity;
modify, falsify, or delete any attributions, legends, marks, notices, or any other proprietary designation of the origin or source of any material (including Content) appearing on this Website;
copy, transmit, reproduce, modify, create derivative works of, distribute or in any way exploit any information, content, component or other material obtained through this Website (other than as expressly permitted by these Terms of Use);
violate, attempt to violate or assist, intentionally, negligently or otherwise, in any violation of the confidentiality or security of any information provided to RenRe Energy Advisors by other Website users;
use any robot, spider, or other automatic device, or manual process to monitor or copy Website pages or the contents contained therein without the prior, expressed written permission of RenRe Energy Advisors; or
violate or facilitate any violation of any applicable local, state, federal, or international law, statute, regulation, code, or ordinance, including, without limitation, regulations promulgated by or the rules of any national or other securities exchange. The permission to use this Website granted by these Terms of Use automatically terminates if you breach any of the terms and conditions contained herein. Upon termination, you must immediately leave this Website and destroy any downloaded or printed materials.

RenRe Energy Advisors reserves its right to prevent you from accessing this Website if you do not comply with any part of these terms and conditions.

Copyright

Except as otherwise expressly stated, all Content appearing on this Website is the copyrighted work of RenRe Energy Advisors or one or more of its affiliates, or third party content suppliers, and is protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content is also the exclusive property of RenRe Energy Advisors and is protected by U.S. and international copyright laws.

You may download information from this Website and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Website, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of RenRe Energy Advisors or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by RenRe Energy Advisors. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither RenRe Energy Advisors nor its affiliates warrant or represent that your use of Content or any other materials displayed on this Website will not infringe rights of third parties.

Trademarks and Service Marks

The names, logos, taglines and other marks identifying any of the RenRe Energy Advisors companies and its products and services are proprietary marks of RenRe Energy Advisors. Any other trademarks and service marks are the property of their respective owners.

Ownership of Information Submitted via this Website

With the exception of any personal data or information you submit, any information you transmit to RenRe Energy Advisors via this Website, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of RenRe Energy Advisors. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. RenRe Energy Advisors shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to RenRe Energy Advisors via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Connection Requirements

You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Website, and RenRe Energy Advisors reserves the right to change the access configuration of this Website at any time without prior notice.

Prohibited Use

Any use or attempted use of this Website (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) to interfere with any other party's use and enjoyment of this Website, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by RenRe Energy Advisors to be made accessible to a user, or (vi) to attempt to obtain any materials or information through any means not intentionally made available by RenRe Energy Advisors, or (vii) other than the business purpose for which it was intended, is prohibited.

Right to Monitor

RenRe Energy Advisors neither actively monitors general use of this Website under normal circumstances nor exercises editorial control over the content of any third party's website, electronic mail transmission, news group, or other material created or accessible over or through this Website. However, RenRe Energy Advisors does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in RenRe Energy Advisors's sole discretion, may be illegal, may subject RenRe Energy Advisors to liability, may violate these Terms of Use, or are, in the sole discretion of RenRe Energy Advisors, inconsistent with RenRe Energy Advisors 's purpose for this Website.

Hyperlinks to Third Party Websites

This Website may contain hyperlinks to and Content from other sites owned and operated by parties other than RenRe Energy Advisors. Such hyperlinks and Content are provided only for ready reference and ease of use. We do not control such websites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Website provides hyperlinks to or Content from other websites that are not owned, operated or maintained by RenRe Energy Advisors or its affiliates, you acknowledge and agree that RenRe Energy Advisors is not responsible for and is not liable for the content, products, services or other materials on or available from such websites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party websites or for any action you may take as a result of linking to any such website. Any such websites are likely to set forth specific terms of use and privacy policies that you should review. RenRe Energy Advisors is under no obligation to maintain any link on this Website and may remove a link at any time in its sole discretion for any reason whatsoever. Neither RenRe Energy Advisors nor its affiliates shall be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such website.

Industry Research

The information that appears on the Industry Research pages of this Website may not be current and should not be relied upon for any reason without first independently verifying the data. We undertake no obligation to update, correct or supplement any of such information.

Access to the Industry Research pages is made available with the understanding that no affiliate or employees of RenRe Energy Advisors, nor any third party whose content may be made available, is engaged in rendering insurance, financial, coverage, investment, accounting or other professional advice. If you require professional advice or other expert assistance, you must not rely on information provided on this Website. Consult your own competent, professional advisors for such advice or assistance.

We offer this Website as a service for the Internet community. The views expressed on this Website are not necessarily those of RenRe Energy Advisors or any of our affiliates.

No RenRe Energy Advisors Editorial Control of Third Party Content; No Statement as to Accuracy

To the extent that any of the Content included in this Website is provided by third party content providers, RenRe Energy Advisors has no editorial control or responsibility over such Content. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Website are those of such third party suppliers. RenRe Energy Advisors does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Website or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with RenRe Energy Advisors member companies.

Modification to Content

RenRe Energy Advisors may, at its discretion, modify or discontinue any of the Content, or any portion thereof, with or without notice. RenRe Energy Advisors will not be liable to you or any third party for any modification or discontinuance of any of the Content.

No Warranties

YOU ACKNOWLEDGE THAT RenRe Energy Advisors PROVIDES THE CONTENT OF THIS WEBSITE FOR INFORMATIONAL PURPOSES ONLY AND ON AN “AS IS” BASIS WITH NO WARRANTIES OF ANY KIND. YOUR USE OF THIS WEBSITE AND USE OR RELIANCE UPON ANY OF THE MATERIALS ON IT IS SOLELY AT YOUR OWN RISK.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT RenRe Energy Advisors WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF RenRe Energy Advisors OR ITS AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR CONTENT, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THIS WEBSITE, OR STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THIS WEBSITE OR CONTENT. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEBSITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE RenRe Energy Advisors OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THIS WEBSITE.

Indemnity

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS RenRe Energy Advisors AND ITS AFFILIATES, THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, ATTORNEYS, INDEPENDENT CONTRACTORS, PROVIDERS, SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, THE “RenRe Energy Advisors GROUP AND AFFILIATES”) FROM AND AGAINST ANY AND ALL CLAIM, LOSS, EXPENSE, OR DEMAND OR LIABILITY, INCLUDING ATTORNEYS' FEES AND COSTS, INCURRED BY RenRe Energy Advisors GROUP AND AFFILIATES ARISING OUT OF (I) ANY CLAIM BY A THIRD PARTY THAT YOUR USE OF THIS WEBSITE, INCLUDING BUT NOT LIMITED TO THE POSTING, DISTRIBUTION, COPYING, MODIFICATION, ALTERATION OR ANY USE BY YOU OF ANY CONTENT OR SOFTWARE AVAILABLE ON THIS WEBSITE, INFRINGES A THIRD PARTY'S RIGHT, OR (II) YOUR USE OF THIS WEBSITE IN VIOLATION OF THESE TERMS OF USE OR IN VIOLATION OF ANY APPLICABLE LAW.

You agree to cooperate with us as reasonably required in the defense of any such claims. The RenRe Energy Advisors Group and Affiliates reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of RenRe Energy Advisors.

Availability of Products and Services

THIS WEBSITE PRESENTS GENERAL INFORMATION REGARDING OUR OPERATION AND IS NOT INTENDED AND DOES NOT CONSTITUTE AN OFFER TO SOLICIT BUSINESS, AND DOES NOT CONTAIN A COMPLETE DESCRIPTION OF ANY PRODUCT, OR SERVICE, WHICH MAY BE OFFERED FOR SALE BY ANY COMPANY IN THE RenRe Energy Advisors GROUP AND AFFILIATES.

RenRe Energy Advisors is indirectly owned by RenaissanceRe Holdings Ltd. (“RenaissanceRe”) whose subsidiaries include insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and various states of the United States. When the term “RenaissanceRe”, “RenaissanceRe Group”, “RenaissanceRe Group of Companies”, “Glencoe”, “Glencoe Group”, or “Glencoe Group of Companies” is used, this reference does not indicate or infer that any individual company within the RenaissanceRe Group or the Glencoe Group conducts or conducted specific activities, offers a specific product, or has a particular licensing status in a jurisdiction.

Safe Harbor Statement

This Site may from time to time contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. That Act provides a statutory "safe harbor" for forward-looking statements. Any written or oral statements made by or on behalf of RenRe Energy Advisors or its affiliates or operating divisions reflect current views with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement.

Please refer to RenaissanceRe’s filings with the Securities and Exchange Commission, including the most recent Forms 10-K, and 10-Q, and any Forms 8-K since the most recent Form 10-K, for further information on such uncertainties and inherent risks and the "safe harbor" under the Private Securities Litigation Reform Act of 1995.

Security

RenRe Energy Advisors takes appropriate technical and organizational measures against unauthorized or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. However, although RenRe Energy Advisors takes appropriate measures to protect the security of the information communicated through this Website, the Internet is an open network that is not secure and there is an inherent risk that any transmission via the Internet may be intercepted, modified, misdirected, or not be delivered to the intended recipient. In addition, there is also an inherent risk that information stored on a computer connected to the Internet may be accessed without authorization. As no Internet-connected computer system can be made absolutely secure from intrusion, RenRe Energy Advisors cannot and does not guarantee that information displayed on this Website has not been modified by others without authorization or that information communicated by you to us will be received or that it will not be altered before or after its transmission. Please see the “Privacy” page of this Website.

You agree not to hold the RenRe Energy Advisors Group and Affiliates liable for any loss or damage of any sort incurred as a result of any such misappropriation, interception, modification, deletion, destruction, or use of information provided through this Website.

We welcome suggestions to improve our systems or processes regarding confidentiality and security. Please contact us at secretary@renre.com.

Last updated: March, 2010