Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the EarthRe Insurance IFSC Limited (“EarthRe”, “we”, “us”, or “our”) website located at earthre.in (the “Website”) and any information, content, or services made available through it.

EarthRe is a reinsurer licensed by the International Financial Services Centres Authority (IFSCA) and operating from Unit No 47, The Platform, 11T2, Block 11, TS2, Sangath, Ground Floor, Block 11, Road 1A, Zone 1, GIFT SEZPA, GIFT City, Gandhinagar, Gujarat, India. The Website is intended primarily for institutional users, including cedants, brokers, reinsurance intermediaries, investors, and other sophisticated market participants.

By accessing or using the Website, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree, please discontinue use of the Website immediately.

These Terms apply to:

• All visitors to and users of the Website, regardless of the purpose of access
• Cedants, brokers, reinsurance intermediaries, and business partners who engage with EarthRe through or in connection with the Website
• Job applicants who submit information through the Website
• Any person who accesses, downloads, or uses any content published on the Website

These Terms do not govern any reinsurance treaty, facultative contract, or other commercial arrangement entered into with EarthRe. Such arrangements are governed exclusively by the terms of the relevant executed agreement.

For the purposes of these Terms:

• Website: the EarthRe website at earthre.in, including all pages, subdomains, and content published thereon.
• User / you: any individual or entity accessing or using the Website.
• Content: all text, data, articles, publications, images, graphics, logos, and other material published on the Website.
• Catalyst: EarthRe’s thought-leadership publication series, comprising research papers, market commentary, and technical articles published on the Website.
• Services: any information, tools, or features made available by EarthRe through the Website.
• IFSCA: the International Financial Services Centres Authority, the regulatory authority governing EarthRe’s operations.
• Applicable Law: all laws, regulations, directions, and guidelines applicable to EarthRe and to users in their respective jurisdictions, including Indian law and IFSCA regulations.

Permitted use

You may access and use the Website for lawful, non-commercial informational purposes, subject to these Terms. Permitted uses include:

• Reviewing information about EarthRe’s reinsurance solutions, leadership, and governance
• Reading and downloading Catalyst publications for personal or professional reference
• Submitting enquiries or contact requests through the Website’s contact form
• Applying for employment opportunities listed on the Website

Prohibited use

You must not:

• Use the Website for any unlawful, fraudulent, or harmful purpose
• Scrape, crawl, mine, or extract data or content from the Website using automated tools without our prior written consent
• Reproduce, distribute, modify, or create derivative works from Website content without express written authorisation from EarthRe
• Attempt to gain unauthorised access to any part of the Website, its servers, or associated systems
• Upload or transmit any malicious code, virus, or disruptive software
• Impersonate EarthRe or any of its directors, officers, or employees
• Use the Website in any manner that could damage, disable, or impair its availability or performance

All content published on the Website, including but not limited to the EarthRe name and logo, Catalyst publications, research papers, graphics, and design elements, is the exclusive intellectual property of EarthRe or its licensors and is protected under applicable copyright, trademark, and intellectual property laws.

Nothing in these Terms grants you any licence or right to use EarthRe’s intellectual property, including its trademarks or trade names, without our prior written consent.

You may share links to publicly available pages of the Website and reference Catalyst publications for non-commercial purposes, provided that:

• EarthRe is clearly attributed as the source
• The content is not modified, reframed, or presented in a misleading manner
• The sharing does not imply any endorsement or partnership with EarthRe

The Website and its content, including Catalyst publications, are provided for general informational and educational purposes only. They do not constitute:

• An offer or solicitation to enter into any reinsurance, insurance, investment, or financial arrangement
• Legal, actuarial, regulatory, tax, or professional advice of any kind
• A representation or warranty that any information on the Website is complete, accurate, or current

EarthRe makes no representations or warranties, express or implied, regarding the accuracy, reliability, completeness, or timeliness of any content on the Website. All content is provided “as is” without warranty of any kind.

Market data, statistics, and third-party information referenced in Catalyst publications reflect the views of the authors at the time of publication and may be subject to change. EarthRe does not undertake any obligation to update such content.

EarthRe is licensed by IFSCA to conduct reinsurance business from IFSC, GIFT City. Any reinsurance capacity, treaty, or facultative arrangement discussed through the Website is subject to:

• Completion of EarthRe’s internal due diligence, underwriting evaluation, and credit assessment
• Execution of a formal reinsurance agreement in accordance with applicable IFSCA regulations and market practice
• Satisfaction of all applicable AML/CTF/KYC requirements

No binding reinsurance commitment is created by any communication through the Website, including contact form submissions or email enquiries, unless and until a formal agreement is duly executed by authorised signatories of both parties.

The Website may contain links to third-party websites, platforms, and resources, including LinkedIn and other external sites referenced in our publications. Such links are provided for convenience only.

EarthRe does not control, endorse, or assume any responsibility for the content, privacy practices, accuracy, or availability of any third-party website. Access to and use of third-party websites is at your own risk and is subject to the terms and policies of those sites.

Your use of the Website is also governed by EarthRe’s Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and protection of personal data.

By using the Website, you consent to the collection and use of your information as described in the Privacy Policy.

EarthRe implements reasonable technical and organisational measures to protect the Website and its systems. However, we do not warrant that the Website will be free from errors, interruptions, security breaches, or the presence of viruses or malicious code.

You are responsible for ensuring that your own devices and systems are adequately protected when accessing the Website. You must not attempt to probe, scan, or test the vulnerability of the Website or any associated network or system.

If you discover a security vulnerability in our Website, please report it responsibly to compliance@earthre.in. We request that you refrain from publicly disclosing the vulnerability until we have had a reasonable opportunity to investigate and remediate it.

To the fullest extent permitted by applicable law, EarthRe and its directors, officers, employees, and advisors shall not be liable for any:

• Direct, indirect, incidental, special, or consequential loss or damage arising from your use of or inability to use the Website
• Loss of data, business, profits, or goodwill resulting from reliance on Website content
• Unauthorised access to or alteration of your data transmitted to or from the Website
• Errors, interruptions, or unavailability of the Website, for whatever reason

Nothing in these Terms excludes or limits EarthRe’s liability for death or personal injury caused by its negligence, fraud, or any other liability that cannot be excluded by applicable law.

You agree to indemnify, defend, and hold harmless EarthRe and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of or access to the Website in violation of these Terms
• Your violation of any applicable law or regulation
• Any content or information you submit to EarthRe through the Website
• Any infringement by you of the intellectual property or other rights of any third party

EarthRe reserves the right to modify or update these Terms at any time. Changes will be effective upon posting of the revised Terms on the Website, with the updated effective date noted at the top of the page.

It is your responsibility to review these Terms periodically. Your continued use of the Website following the posting of changes constitutes your acceptance of the updated Terms.

EarthRe reserves the right, in its sole discretion and without prior notice, to:

• Suspend or terminate your access to the Website if you violate these Terms or any applicable law
• Restrict, suspend, or discontinue any feature or content on the Website at any time
• Block access to the Website from specific IP addresses or jurisdictions for regulatory or security reasons

Provisions of these Terms that by their nature should survive termination shall do so, including those relating to intellectual property, indemnity, limitation of liability, and governing law.

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Any dispute, controversy, or claim arising out of or in connection with these Terms or your use of the Website shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, the dispute shall be subject to the exclusive jurisdiction of the competent courts at Ahmedabad, Gujarat, India.

Severability: If any provision of these Terms is held to be invalid, unlawful, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. The remaining provisions shall continue in full force and effect.

Entire agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and EarthRe with respect to your use of the Website and supersede all prior agreements, representations, or understandings.

Waiver: Failure by EarthRe to enforce any provision of these Terms shall not constitute a waiver of that provision or any other right.

Force majeure: EarthRe shall not be liable for any delay or failure in the performance of its obligations under these Terms to the extent such delay or failure results from causes beyond its reasonable control.

If you have any questions or concerns regarding these Terms, please contact:

Compliance Officer EarthRe Insurance IFSC Limited Unit No 47, The Platform, 11T2, Block 11, TS2, Sangath, Ground Floor, Block 11, Road 1A, Zone 1, GIFT SEZPA, GIFT City, Gandhinagar, Gujarat, India CIN: U65020GJ2025PLC170845 Email: compliance@earthre.in