Legal Policy

This Site and the information contained on this Site is the property of Skandia Insurance Company Limited or, as the case may be, its subsidiaries or affiliates (hereinafter jointly referred to as "Skandia") and are protected by copyright, trademark and other intellectual property and proprietary rights. The selection, arrangement and design of the entire contents of this Site, as well as the original contents herein, are the property of Skandia.

By accessing or downloading any materials from this Site, you agree to the terms and conditions set forth in this Legal Statement. Individual documents on this Site may have additional or alternative terms and conditions. If you do not agree to this Legal Statement or any other such terms or conditions, do not use the Site or download any materials from it.

Updates and modifications to these terms are subject to change at any time. Be sure to check these terms each time you access and/or use this Site.

Skandia shall have the right to update this Site or to discontinue the provision of access to this Site at any time.

Disclaimer of warranties

The information contained on this Site is provided "AS IS". Skandia will use reasonable efforts to include accurate, reliable and up-to-date information, but make no warranties or representations as to the truth, accuracy, reliability, usefulness, timeliness and completeness of the information provided here by Skandia. SKANDIA SHALL NOT BE LIABLE FOR DAMAGES OF ANY KIND RELATED TO OR ARISING OUT OF: (1) YOUR ACCESS OR INABILITY TO ACCESS OR YOUR USE OR YOUR INABILITY TO USE THIS SITE OR OTHER SITES OWNED OR CONTROLLED BY SKANDIA; OR (2) YOUR RELIANCE ON THE INFORMATION PROVIDED IN ANY SKANDIA SITE OR SERVICE; OR (3) FOR THE LOSS OF ANY DATA OR INFORMATION THAT YOU PROVIDE TO US.

To the fullest extent permissible pursuant to applicable law, Skandia disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, non-infringement of intellectual property and fitness for a particular purpose. Skandia does not warrant that this Site, various services provided through this Site, and any information, software or other material downloaded from this Site, will be uninterrupted, error-free, or free of viruses or other harmful components. Users of this Site are strongly advised to obtain and use appropriate anti-virus and security software.

In no event shall Skandia be liable to any party for any cost, losses or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use, this Site or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through this Site or any website linked to or linking into this Site. This limitation applies even if Skandia or a representative thereof had been aware of an error in the service.

No Legal Transactions, Offers or Advice

This Site cannot be used to carry out any legal transactions with Skandia.

The information contained on this Site cannot be considered to be a binding offer from Skandia of such information unless otherwise expressly specified in connection with such information. The products and services descriptions included are for the sole purpose of providing a Skandia reference tool concerning the nature and type of products and services available and from Skandia. The descriptions are not intended to be relied upon by customers or by potential customers. All products and services are subject to terms and conditions in separate documents relating to such product or service. Legal transactions are always carried out on the basis of a separate service agreement.

The information contained on this Site cannot be considered to be a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction.

It is the responsibility of the user of this Site to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided in this Site is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of this Site should consult their professional advisors with respect to their personal circumstances.

Trademark Information

All names, logos and trademarks are the property of Skandia or its licensors or joint venture partners.

Skandia's trademarks and brand names may be used only in accordance with the use permitted according to this Legal Statement or with the prior permission from Skandia.

Any use of Skandia's trademarks in the advertising and promotion of Skandia's products requires proper acknowledgement.

Restricted Use/Single Copy License

All content included on this Site, such as text, graphics, logos, button icons, images, audio clips and software is the property of Skandia or has been licensed or otherwise granted to be used by Skandia and is protected by Swedish and international copyright laws. Unauthorized use or distribution of any materials at this Site may violate copyright, trademark, and/or other laws and is subject to civil as well as criminal sanctions.

This Site or any portion of this Site may not be reproduced, duplicated, copied, sold, resold or otherwise exploited for any commercial use that is not expressly permitted by Skandia. You may download one copy of the information found on Skandia sites on a single computer for your personal, non-commercial, internal use only unless specifically licensed to do otherwise by Skandia in writing.

You may neither modify, use or transfer the information for any commercial purposes; nor remove any copyright or other proprietary notices from the information. You agree to prevent any unauthorized copying of the materials and to ensure that all employees - if applicable - of your organization adheres to these limitations.

Skandia does not grant any expressed or implied right to you under any patents, copyrights, trademarks or trade secret information.

Links

Certain links on this Site may lead to websites maintained by individuals or organizations over whom Skandia has no control. Skandia makes no representations or warranties regarding the accuracy or any other aspect of the information located on such servers, nor does Skandia assume any responsibility or liability with respect to any website linked from this Site (or any website linking into this Site), including its content and operation. Skandia does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.

A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. Skandia believes that the links it may provide to other publicly accessible websites, webpages, newsgroups, and other sources are legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Skandia is under no obligation to maintain any link on this Site and may remove a link at any time in its sole discretion for any reason whatsoever.

Without the written consent of Skandia no person and no website may make a link to this Site, whether to its homepage or to any internal page.

Transmissions

This Site may from time to time contain threaded discussions groups, bulletin boards and chat rooms. Unless Skandia specifically is identified as the author of a message, the responsibility for any opinions, advice, statements or other information contained in any messages posted or transmitted by any third party on this Site resides solely with the author.

Except as provided by law, all submissions or transmissions made to or through this Site shall become the property of Skandia. Skandia reserves the right to use any material (e.g., any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.

If you submit material to this Site or post on the discussion forum, by doing so, you warrant that to the best of your knowledge and belief the information contained therein is truthful, does not violate the rights or property interests of others, and is not unlawful, threatening, defamatory, vulgar, obscene or otherwise objectionable. You will not use the forum for solicitation, advertisement or promotion of any business or activity that is inconsistent with the purposes and intent of Skandia or for any illegal or unlawful purpose. You declare that we may use and reproduce the material submitted for any purpose and grant us a non-exclusive, perpetual royalty-free license to such material. As a condition of submitting materials, you agree to waive any "moral rights" (droit moral) or other rights of authorship which may accrue or have accrued to you under any laws of any jurisdiction. We reserve the right to investigate complaints that visitors may make about the content on the Site or the discussion forum. We reserve the right to remove any content from the Site, in our sole and absolute discretion at any time and to terminate the privilege of any visitor to post on the forum or to participate in other Skandia services if they misuse the posting privilege or violate other terms of use.

By continuing to access this Site, and by submitting material to us, you agree that you shall have no recourse against Skandia for any alleged or actual infringement or misappropriation of any proprietary rights in your communication to us. By submitting material, you hereby confirm your understanding that you will not be entitled to any compensation or other remuneration because of our use or disclosure of such other similar or identical material. You hereby acknowledge that no fiduciary or confidential relationship exists between you and us, either now or by reason of your submitting any information to us, unless we have made and executed a separate written agreement to the contrary.

This Legal Statement does not create a confidential relationship between you and us. We shall have no liability whatsoever for the results of your postings and submissions to this Site or by means of this Site.

Copyright Complaints

Skandia respects the intellectual property of others, and we ask our users and visitors to do the same. Skandia may, in appropriate circumstances and at its discretion, terminate access to a user or visitor who infringes the intellectual property rights of others. If you believe that your work has been copied and is accessible on the Skandia Site in a way that constitutes copyright infringement, please notify Skandia by regular mail or electronic mail at the following addresses:

Skandia Insurance Company Limited
Corporate Law
SE-103 50 Stockholm
Sweden

info@skandia.se

Monitoring

Skandia is not obligated to monitor any submissions or transmissions to or through this Site or any website to which this Site links or that links into this Site. Skandia, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and Skandia.

Interpretation

The provisions of this Legal Statement are intended as guidelines and are not meant to be exhaustive. Generally, conduct that violates law, regulation, or the accepted norms of the Internet community, whether or not expressly mentioned in this Legal Statement, is prohibited. Skandia reserves the right at all times to prohibit activities that damage its commercial reputation and goodwill or the commercial reputation and good will of its vendors and customers. We may modify our policy at any time. We may add, delete, or modify any provision of this Legal Statement at any time without notice. We may take whatever action we deem appropriate, including (among other things) investigating allegations of improper activities, making reports to law enforcement authorities or suspending or terminating service to you, if we believe that there has been a violation of this Legal Statement.

Applicable Law and Jurisdiction

This Site and this Legal Statement shall be construed, enforced and performed in accordance with the substantive laws of Sweden without reference to principles of conflicts of laws.

Any dispute, controversy or claim arising out of or in connection with this Legal Statement or the use of this Site shall be settled by arbitration in accordance with the Rules of the Arbitration Institute of the Stockholm Chamber of Commerce. The arbitral tribunal shall be composed of a sole arbitrator. The place of arbitration shall be Stockholm, Sweden. The language to be used in the arbitral proceedings shall be English.

Skandia makes no representation that any information, materials or features/functions included are appropriate for use in any other jurisdiction. The Site is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of the Site and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use this Site. By accessing or using this Site you do so on your own initiative and are solely responsible for compliance with the applicable local laws and regulations.