Please read the following terms and conditions carefully.  These terms and conditions (together with the documents that they refer to) set out the basis upon which you are entitled to access and use the website (the “Website”).

By using the Website, you confirm that you accept these terms and conditions (the “Terms of Use”) and that you agree to comply with them.  If you do not agree with these terms of use, you may not access or use the Website.

  1. Other Applicable Terms

These Terms of Use also refer to our Privacy Statement, which sets out the terms on which we process any personal data we collect from you, or that you provide to us.  By using the Website, you acknowledge that you have been informed of such processing.  You warrant that all data provided by you through this Website is accurate.

  1. Information About Us

The Website is operated by Monument Re Limited (all references to “we”, “us” or “our” in these terms refer to Monument Re Limited and/or its affiliates).  We are registered in Bermuda with company number 51969 and have our registered office at 2 Church Street, Hamilton HM 10 Bermuda.

  1. Use of Website

This Website is for information purposes only, and is provided for your convenience.  We do not provide any type of advice, on or via this website, and you agree that this website will not be used by you for these purposes.

Using the Website for the purposes of browsing is permitted.  Any other use of the content and software on the Website, including the reproduction, modification, distribution, transmission, republication or display of the content on the Website without our express permission, is strictly prohibited.

The Website or any portion of the website may not be reproduced, duplicated, copied, sold, resold or otherwise exploited for any commercial purpose that is not expressly permitted by us.

You must not misuse the Website by knowingly or recklessly introducing viruses, trojans, worms, logic bombs or other material which is malicious or harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of-service attack.  You may not access or use this website using automated tools unless we have given you permission.

We reserve the right to refuse access to the Website and/or the services contained herein in our discretion, including, without limitation, if we believe that particular conduct violates applicable law, is harmful to our interests or is in breach of these Terms of Use.

  1. Intellectual Property

All content included on the Website, such as text, graphics, logos, button icons, images, audio clips and software is our property or the property of our licensors and is protected by applicable copyright and/or other intellectual property laws.

You acknowledge that you are only permitted to use any material contained on the Website as authorised by us and you further agree not to copy, reproduce, transmit, distribute or create derivative works of such material without our prior written authorisation.

You have a limited right to access and use this Website, and to print a hard copy of its contents, solely for your own personal use and reference, provided all copyright, trademark and other proprietary notices are left intact.

  1. Limitation of Liability and Disclaimer

You hereby acknowledge and agree that the Website is available for use ‘as is’ and ‘as available’, with no warranties of any kind whatsoever and that, without prejudice to the generality of the foregoing, we make no warranty regarding, and shall have no responsibility for, the accuracy, availability, reliability, security, fitness for purpose or performance of the Website or the contents thereof.

You acknowledge and agree that we may temporarily suspend access to the Website for any reason without notice, including but not limited to where there is a breakdown, error, defect or malfunction of any part of the Website.

The information and content on this Website is not guaranteed by us or any other person or entity and may not be complete, accurate or up to date.  While we endeavour to ensure that the information on this site is current, complete and accurate, we give no guarantees that this is the case.  We accept no responsibility for keeping the information in this Website up to date or liability for any failure to do so, or for any inaccuracies in the information on this Website.

Except as expressly set out in these Terms of Use, all representations, warranties, terms and conditions whether express or implied in relation to the Website or the information contained herein are hereby excluded to the fullest extent permitted by law.

Due to the fact that we cannot guarantee that the Website will be fault free or that the information contained on the Website will be correct, we do not accept any liability for any loss or damage whatsoever (and whether direct or indirect) arising out of or in connection with the Website or the contents thereof, whether under theories of contract, tort (including negligence), strict liability or otherwise.

  1. Security of Communications

While we have taken all reasonable security precautions, the nature of communication by the internet and other electronic means is such that we cannot guarantee the privacy or confidentiality of any information relating to you passing by such methods.  In accessing this Website, you accept that communications may not be free from interference by third parties and may not remain confidential. 

  1. Compliance with Applicable Laws

Due to the global nature of the Internet you are responsible for complying with all local laws regarding online conduct. You also agree to comply with any applicable rules regarding the export of any technical data from any country.

  1. Links to Other Websites

The Website may contain links to websites operated by third parties. Such links are provided for your convenience only. We have no control over these websites and we are not responsible for their availability or content. The inclusion on the Website of links to such other websites does not imply any endorsement of the material on such websites or any association with their operators.

  1. Linking to the Website

You may link to the home page of the Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to the Website in any website that is not owned by you. The Website must not be framed on any other site, nor may you create a link to any part of the Website other than the home page. We reserve the right to withdraw linking permission without notice.

If you wish to make any use of content on the Website other than that set out above, please contact

  1. Variations

These Terms of Use and any documents referred to herein may be amended from time to time by us. The Website will specify the latest date on which the Terms of Use have been amended.  Any changes, modifications, or additions to, or deletions from these Terms of Use shall be effective upon posting on this Website.  You must check these Terms of Use periodically for changes.  If you access this Website after we post changes to the Terms of Use, you shall agree to be bound by them through your access and use of the Website.

We reserve the right, in our sole discretion, to change, modify, add or remove the content of this Website, or to terminate this Website in whole or in part, at any time.

  1. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Ireland and you hereby submit to the exclusive jurisdiction of the Courts of Ireland.

  1. Contact Us

To contact us, please email

These Terms of Use were last updated on 28th November, 2018.