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WeatherPredict Consulting Inc. 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 WeatherPredict Consulting Inc. or one or more of its affiliates (“WeatherPredict”). 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 WeatherPredict 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:

  1. resell or transfer any Content of this Website;
  2. impersonate, or otherwise misrepresent your affiliation with any other person or entity;
  3. 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;
  4. 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);
  5. violate, attempt to violate or assist, intentionally, negligently or otherwise, in any violation of the confidentiality or security of any information provided to WeatherPredict by other Website users;
  6. 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 WeatherPredict; or
  7. 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.

WeatherPredict 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 WeatherPredict 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 WeatherPredict 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 WeatherPredict 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 WeatherPredict. 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 WeatherPredict 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 WeatherPredict companies and its products and services are proprietary marks of WeatherPredict. 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 WeatherPredict 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 WeatherPredict. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. WeatherPredict shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to WeatherPredict 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 WeatherPredict 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 WeatherPredict 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 WeatherPredict, or (vii) other than the business purpose for which it was intended, is prohibited.

Right to Monitor

WeatherPredict 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, WeatherPredict does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in WeatherPredict’s sole discretion, may be illegal, may subject WeatherPredict to liability, may violate these Terms of Use, or are, in the sole discretion of WeatherPredict, inconsistent with WeatherPredict’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 WeatherPredict. 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 WeatherPredict or its affiliates, you acknowledge and agree that WeatherPredict 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. WeatherPredict 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 WeatherPredict 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 WeatherPredict, 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 WeatherPredict or any of our affiliates.

No WeatherPredict 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, WeatherPredict 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. WeatherPredict 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 WeatherPredict member companies.

Modification to Content

WeatherPredict may, at its discretion, modify or discontinue any of the Content, or any portion thereof, with or without notice. WeatherPredict 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 WEATHERPREDICT 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 WEATHERPREDICT 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 WEATHERPREDICT 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 WEATHERPREDICT 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 WEATHERPREDICT AND ITS AFFILIATES, THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, ATTORNEYS, INDEPENDENT CONTRACTORS, PROVIDERS, SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, THE “WEATHERPREDICT GROUP AND AFFILIATES”) FROM AND AGAINST ANY AND ALL CLAIM, LOSS, EXPENSE, OR DEMAND OR LIABILITY, INCLUDING ATTORNEYS’ FEES AND COSTS, INCURRED BY WEATHERPREDICT 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 WeatherPredict 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 WeatherPredict.

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 WEATHERPREDICT GROUP AND AFFILIATES.

WeatherPredict 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” or “RenaissanceRe Group of Companies” is used, this reference does not indicate or infer that any individual company within the RenaissanceRe Group 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 WeatherPredict 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

WeatherPredict 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 WeatherPredict 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, WeatherPredict 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 WeatherPredict 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@nullrenre.com.

WeatherPredict Consulting Inc. Privacy Statement

Personal Information We Collect and Use at this Website

We define “personal information” as information that is unique to you and might include your phone number, name, age, address or Social Security number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

We use data and information to enhance our ability to provide the coverages and services we offer. If you do provide us with personal information, we will not sell, license, transmit or disclose this information outside of our groups of companies unless (1) you expressly authorize us to do so, (2) it is necessary to allow our affiliates, attorneys, adjusters, contractors, vendors or agents to provide services for us, (3) in order to provide our products or services to you, (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements, or (5) otherwise as we are required or permitted by law.

Email

We appreciate your questions and comments about this Website and services and welcome your email messages to mailboxes listed on this Websites. We may share your messages with others within our organization, such as our personnel who are most capable of addressing the issues contained in your message. We may retain copies of your message, and may archive your message for a certain period of time or discard it.

Use of “Cookies” or Other Data Collection Tools

A cookie is a piece of information which a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single website session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

We may use cookies for a number of purposes – for example, to maintain continuity during a user session, to gather data about the usage of this Website for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to this Website.

Our cookies will track only your activity relating to your online activity on this Website, and will not track your other Internet activity. Our cookies do not gather personally identifiable information.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain features of this Website.

We may occasionally use other companies to set cookies on this Website and gather cookie information for us. In some cases we may also use another company to operate web servers for this Website. We use the cookie information gathered by these companies in the same manner as stated above.

In addition to the information we collect from cookies, we also obtain information which you provide to us online – for example, when you use our tools and calculators or when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online – for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases – for example, when you use our tools and calculators – we only retain the cookie and/or online information you give us if you request us to do so for your use in subsequent sessions.

Governing Law

You agree that your use of this Website, these Terms of Use and any disputes relating to any of them shall be governed in all respects by the laws of the State of New York.  Any dispute relating to the above shall be resolved solely in the state or federal courts located in New York, New York.

Contacting Us

If you have any questions about these Terms of Use or would like to learn more about how we protect privacy, please contact us at secretary@nullrenre.com.