International Insurer's Consulting Group "IICG" - Website Terms and Conditions
Welcome to the website of International Insurer's Consulting Group "IICG". These Terms and Conditions govern your use of our website. By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, please do not use our website.
"IICG," "we," "us," or "our" refers to International Insurer's Consulting Group.
"Website" refers to the online presence of IICG, accessible at the domain name or any subdomains.
"User" or "you" refers to any individual or entity accessing or using the website.
2. Intellectual Property
All content on this website, including but not limited to text, graphics, images, logos, trademarks, service marks, and software, is the property of IICG and is protected by intellectual property laws. Users are granted a limited, non-exclusive, non-transferable access and use the content for personal and non-commercial purposes only. Any unauthorized use of the content is strictly prohibited and may violate applicable laws.
The information provided on this website is for general informational purposes only. While we strive to keep the information accurate and up-to-date, we make no warranties or representations of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the information, products, or services mentioned on the website. The use of any information on this website is at your own risk.
The website may provide information about the services offered by IICG, including but not limited to establishing and managing international insurers' operations in Puerto Rico, advising and forming Segregated Asset Plan Companies under Class 3 and 5 categories, and offering in-house protected cell structures authorized for all lines of business. However, the information on the website does not constitute a contract or offer to provide these services. The engagement of our services is subject to separate agreements and terms.
6. Links to Third-Party Websites
This website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, products, or services offered by these third-party websites. Accessing these websites is at your own risk, and we recommend reviewing their respective terms and privacy policies.
7. Limitation of Liability
To the extent permitted by law, IICG and its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses arising out of or in connection with your use of the website or any information or services provided herein.
You agree to indemnify and hold IICG and its officers, directors, employees, agents, and affiliates harmless from any claims, losses, damages, liabilities, costs, and expenses, including reasonable attorney fees, arising from or related to your use of the website or any violation of these Terms and Conditions.
9. Registration Requirements
Certain areas or features of the International Insurer's Consulting Group "IICG" website may require user registration. By registering on the website, you agree to comply with the following requirements:
a. Accurate Information: You must provide accurate, current, and complete information during the registration process. You agree to promptly update your registration information to keep it accurate and up-to-date.
b. Confidentiality: You are responsible for maintaining the confidentiality of your account login credentials, such as your username and password. You agree not to share your account details with others or allow unauthorized access to your account.
c. Legal Capacity: By registering on the website, you represent that you have the legal capacity and authority to enter into these Terms and Conditions and to use the website in accordance with all applicable laws and regulations.
d. Minors: If you are under the age of 18, you may not register on the website without the consent and supervision of a parent or legal guardian.
e. Single Account: You may only have one active account on the website. Creating multiple accounts for the purpose of abusing promotions, benefits, or any other features of the website is strictly prohibited.
f. Termination of Account: IICG reserves the right to terminate or suspend your account and deny access to the website if we have reasonable grounds to believe that you have violated any of these registration requirements or any other provisions of these Terms and Conditions.
10. Account Security
While IICG takes reasonable measures to protect the security of your account and personal information, you acknowledge that no system is completely secure. It is your responsibility to maintain the security of your account, including choosing a strong password and promptly notifying IICG if you become aware of any unauthorized access or security breach related to your account.
11. User Responsibility
You are solely responsible for all activities that occur under your account. Any actions, content, or materials transmitted through your account will be considered as having been authorized by you. You agree to notify IICG immediately of any unauthorized use of your account or any other breach of security.
12. Data Collection and Use
By registering on the International Insurer's Consulting Group "IICG" website, you acknowledge that you have read, understood, and agreed to comply with the registration requirements and the obligations associated with maintaining the security of your account.
13. Prohibited Activities
When using the website of International Insurer's Consulting Group "IICG," you agree not to engage in the following prohibited activities:
a. Unauthorized Access: Attempting to access or use any part of the website, server, or network that you are not authorized to access, including attempting to probe, scan, or test the vulnerability of the system or network.
b. Interference: Interfering with or disrupting the proper functioning of the website, servers, or networks connected to the website, or disobeying any requirements, procedures, policies, or regulations of networks connected to the website.
c. Malicious Actions: Engaging in any action that may harm, compromise, or exploit the website or its users, including the distribution of viruses, malware, or any other harmful computer code.
d. Unauthorized Use: Using the website for any purpose that is not expressly permitted by these Terms and Conditions or applicable laws.
e. False Information: Providing false, inaccurate, or misleading information in connection with your use of the website.
f. Unlawful Conduct: Engaging in any illegal, fraudulent, or deceptive activities on or through the website.
g. Harassment or Abuse: Harassing, threatening, or abusing other users or individuals through the website.
h. Intellectual Property Violation: Infringing on the intellectual property rights of IICG or any third party, including but not limited to copyrights, trademarks, patents, or trade secrets.
i. Data Mining: Engaging in any systematic or automated data extraction or data harvesting from the website without the express written consent of IICG.
j. Impersonation: Impersonating any person, company, or entity, or falsely stating or misrepresenting your affiliation with any person, company, or entity.
k. Reverse Engineering: Reverse engineering, decompiling, disassembling, or otherwise attempting to derive the source code or underlying algorithms of any part of the website.
l. Excessive Use: Engaging in activities that impose an unreasonable or disproportionately large load on the website's infrastructure or interfere with its proper functioning.
m. Violation of Law: Violating any applicable laws, regulations, or ordinances while using the website.
IICG reserves the right to take appropriate action, including but not limited to suspension or termination of your access to the website, if you violate any of the prohibited activities listed in Clause 13. We may also cooperate with law enforcement authorities or take legal action if we believe that your actions may result in legal liability for you, us, or any third party.
15. Reporting Violations
If you become aware of any violation of these Terms and Conditions or any suspicious or harmful activity on the website, please report it to us immediately.
16. Payment Details
If you engage in any paid services provided by IICG through the website, the following payment details shall apply:
a. Payment Method: IICG accepts payment through various methods, including but not limited to credit cards, bank transfers, or other agreed-upon payment methods.
b. Fees and Charges: You agree to pay all fees and charges associated with the services provided by IICG in accordance with the agreed terms or as specified on the website.
c. Currency: All fees and charges are quoted and payable in the currency specified by IICG.
d. Payment Processing: Payments made through the website will be processed securely. However, IICG shall not be responsible for any unauthorized access to or breach of your financial information.
e. Refunds: Refunds for services provided by IICG will be subject to the terms and conditions of the specific service agreement. In the event of a refund, IICG will process the refund using the original payment method, or another method agreed upon by both parties.
f. Taxes and Duties: You are responsible for any applicable taxes, duties, or other governmental charges associated with the services provided by IICG.
17. Entire Agreement
These Terms and Conditions, along with any additional agreements or policies referenced herein, constitute the entire agreement between you and IICG concerning the use of the website, superseding any prior or contemporaneous communications and proposals, whether oral or written, between you and IICG.
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
The failure of IICG to enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision, unless acknowledged and agreed to in writing.
20. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of Puerto Rico without regard to its conflict of laws principles. Any dispute arising from or relating to these Terms and Conditions, or your use of the website shall be subject to the exclusive jurisdiction of the courts of Puerto Rico.
IICG reserves the right to terminate or suspend your access to the website at any time and for any reason, without prior notice or liability. Reasons for termination may include, but are not limited to, violation of these Terms and Conditions or engaging in conduct that we deem inappropriate or harmful to the website or other users. Upon termination, you must cease all use of the website, and any provisions of these Terms and Conditions that would reasonably be expected to survive termination shall remain in effect.
22. Updates to Terms and Conditions
IICG may update or modify these Terms and Conditions from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any modifications will be effective immediately upon posting on the website. Your continued use of the website after any modifications signify your acceptance of the updated Terms and Conditions.
By using this website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions, including the Termination Clause and Payment Details Clause.
23. Contact Information
If you have any questions or concerns regarding these Terms and Conditions or our website, please contact us at:
International Insurer's Consulting Group "IICG"
Postal Address: 5 Calle Domingo Marrero Suite 4 San Juan P.R. 00925