Travel Guard Travel Insurance Terms of Use

Conditions of use

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

Disclaimer

To the fullest extent permissible under applicable law, the materials on this Web site are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Chartis Inc. and its subsidiaries and affiliates (collectively, "Chartis") disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Chartis does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Web site or the server that makes it available are free of viruses or other harmful components. Chartis does not warrant or make any representations regarding the use or the results of the use of the materials on this Web site in terms of their correctness, accuracy, reliability, or otherwise. You (and not Chartis) 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 Web site may be linked to other Web sites which are not maintained by Chartis. Chartis is not responsible for the content of those Web sites. The inclusion of any link to such Web sites does not imply approval of or endorsement by Chartis of the Web sites or the content thereof.

Limitation of liability

While Chartis uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. Chartis makes no warranties or representations as to the accuracy of the content of this Web site. To the fullest extent permissible under applicable law, neither Chartis nor any party involved in creating, producing or delivering the Web site shall be liable to you in negligence 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 Web site, even if Chartis or a Chartis  authorised representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, Chartis' 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 Web site. To the fullest extent permissible under applicable law, Chartis 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 Web site or your downloading of any materials, data, text, images, video, or audio from this Web site.

If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this Web site) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude Chartis' liability for death or personal injury resulting from Chartis' negligence.

Insurance coverage

Insurance benefits are offered by member companies of Chartis. Insurance benefits are subject to underwriting, and may not be available in all countries and jurisdictions. Please refer to the actual policy for scope and limitations of coverage.

Restrictions on use of materials

This Web site is owned and operated by Chartis. Except as otherwise expressly permitted by Chartis, no materials from this Web site or any Web site owned, operated, licensed or controlled by Chartis may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download material displayed on this Web site 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, repost or use the content of this Web site for public or commercial purposes, including the text, images, audio and video without Chartis' prior written permission. Chartis neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties not owned by or affiliated with Chartis.

Jurisdiction

Unless otherwise expressly set forth herein, Chartis makes no representation that materials on this Web site are appropriate or available for use in any location. Those who choose to access this Web site do so on their own initiative and are responsible for compliance with local laws in force. Except as specifically set forth on this Web site, the information contained on this Web site 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.

Ownership of information

Any information, other than personal data or information, that you transmit to Chartis via this Web site, by 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 Chartis. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Chartis is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Chartis via this Web site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Web site may constitute trade names, registered or unregistered trademarks or service marks ("Trademarks") of Chartis or of third parties and used under license by Chartis. However, the display of Trademarks on pages at this Web site does not imply that any license has been granted to any third party. All information in this Web site is protected under the copyright laws of Italy, the U.S.A. and/or other countries. Users of this Web site 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 Chartis. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Web site. Any unauthorised downloading, re-transmission, or other copying or modification of Trademarks or other contents of this Web site may be a violation of rights under the law which could subject the violator to legal action. Images displayed on this Web site are either the property of, or used with permission by, Chartis. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted herein. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Internet email

Any unprotected email communication over the Internet is subject to possible interception or loss, and is also subject to possible alteration. Chartis is not responsible and will not be liable to you or any one else for any damages resulting from interception, loss or alteration in connection with an email sent by you to Chartis or an email sent by Chartis to you.

Legal notice

Chartis Travel Guard Insurance is underwritten in Italy by Chartis Europe S.A. (Italian Branch Office)

Chartis Europe S.A. - Rappresentanza Generale per l’Italia
Head Office and General Management: 20123  Milano - Italy
Via della Chiusa, 2 - Phone: (+39) 023690.1, Fax: (+39) 023690.222
Web: www.chartisinsurance.com

Customer Service:

The Customer Service Manager,
Phone: (+39) 02 91 483 100
Email: travelguard.it@travelguard.com

Claims:

The Claims Manager,
Travel Guard Assist - PO Box 2157 Shoreham by Sea BN43 9DH England
Email: travelassist.it@travelguard.com
Phone: Claims: (+39) 02 91 483 100 - Assistance: (+44) 1273 400945

Software licenses

You acknowledge that any software which may be available or provided to you on this Web site may contain technology that is subject to strict controls pursuant to export control laws and regulations of Italy, the United Kingdom, the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Chartis does not authorise the downloading or exportation of any software or technical data from this Web site to any jurisdiction prohibited by such export controls laws and regulations.

Update of legal notice and terms of use

This Legal Notice will be updated and modified from time to time without any prior notice. Accordingly, whenever you access the Web site, ensure that you check this notice.