Terms and Conditions of Use

This website is maintained by Odyssey Group Holdings, Inc. (“Odyssey Group”) on behalf of itself and its subsidiary companies. Your use of this website is subject to the terms and conditions set out below (collectively the “Terms”). By accessing, browsing or using this website, you acknowledge that you have read, understood and accept these Terms and Odyssey Group’s Privacy Policy, which is incorporated herein by reference, and agree to comply with all applicable laws and regulations.

This website has been prepared in the English language and any translations made available are provided for information only; Odyssey Group provides no warranty or guarantee as to the accuracy or completeness thereof. In the event of a discrepancy between the English version of this website and any translation, the English version will control.

Disclaimer of Warranty

This website has been prepared solely for the purpose of providing information about Odyssey Group and its products and services. This website and the information provided herein, including any references to Odyssey Group’s products and services, are provided “as is” without any warranty or implied term of any kind. Odyssey Group will make reasonable efforts to maintain accurate, reliable and current information on the website, but makes no warranty or representation as to the completeness or accuracy of such information. You understand and acknowledge that this information may be incomplete, may contain errors or may have become out-of-date. Odyssey Group makes no commitment, and expressly disclaims any duty, to update any information or reports contained on the website. Odyssey Group reserves the right to modify these Terms and to add, modify or delete any information on this website at any time without notice. All changes are effective immediately when Odyssey Group posts them and apply to all access to and use of this website thereafter. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

No Advice

This website is not intended to provide specific insurance, reinsurance or other advice for any individual or business entity and should not be relied on for such. Persons seeking insurance or other advice should contact a licensed professional, such as an independent insurance or reinsurance broker, who can take their individual circumstances into account.

Intellectual Property

The materials contained on this website, including its design and images, information and other content, are the property of Odyssey Group and are protected by copyright, trademarks, trade names, service marks and other intellectual property and proprietary rights.

No material from this website may be copied, reproduced, downloaded, published, broadcast or distributed, in whole or in part, other than for your own non-commercial reasons, without the express written consent of Odyssey Group.

Safe Harbor

This website may from time to time contain information that may constitute forward-looking statements and such statements are made pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of Odyssey Group to be materially different from any future results, performance or achievements, expressed or implied, by such forward-looking statements. Such factors include, among others, the occurrence of catastrophic events with a frequency or severity exceeding Odyssey Group’s estimates; the lowering or loss of one of Odyssey Group’s financial or claims-paying ratings, including those of Odyssey Group’s subsidiary companies; changes in interest rates; changes in premium volumes; increased competition; regulatory and legislative changes; changes in loss payment patterns; changes in estimated overall adequacy of loss and loss adjustment expense reserves; changes in key management personnel; changes in general market or economic conditions; and other factors which are described in Odyssey Group’s filings with its regulators.

Nothing in this website is intended to provide any investment recommendation, advice or service or to constitute an offer to buy or sell any securities or financial instruments.

Use of this Website

You are responsible for obtaining access to use this website and that access may involve third party fees (such as internet service provider or airtime charges). You are responsible for those fees. In addition, you must provide and are responsible for all equipment necessary to access this website and are responsible for ensuring that all persons who access the website through your internet connection are aware of the Terms and comply with them.

In consideration of your use of this website, you agree that you are at least eighteen (18) years of age and that you are of sound mind to form a binding contract with Odyssey Group and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the website.

You may use this website only for lawful purposes and in accordance with the Terms. You agree not to use this website:

• in any way that violates any applicable laws or regulations
• to transmit or procure the sending of any advertising or promotional material, including any “junk mail,” “chain letter” or “spam” or any other similar solicitation
• to impersonate or attempt to impersonate Odyssey Group, an Odyssey Group employee, another user or any other person or entity
• to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of this website or which, as determined by Odyssey Group, may harm Odyssey Group or users of this website or expose them to liability
• in any manner that could disable, overburden, damage or impair this website or interfere with any other party’s use of this website

Additionally, you agree not to:

• use any robot, spider or automatic device, process or means to access this website for any purpose, including monitoring or copying any of the material on the website
• use any manual process to monitor or copy any of the material on this website or for any other unauthorized purpose
• use any device, software or routine that interferes with the proper working of this website;
• introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful
• attempt to gain unauthorized access to, interfere with, damage or disrupt any part of this website, the server on which this website is stored or any server, computer or database connected to this website
• attack this website via a denial-of-service attack or distributed denial-of-service attack
• otherwise attempt to interfere with the proper working of this website

Hyperlinks

Links on this website to other websites not under the control of Odyssey Group are provided solely for your convenience. Odyssey Group is not responsible for and cannot guarantee the quality, accuracy or timeliness of those websites. You agree that you visit any and all such linked websites at your own risk and that it is your responsibility to take all necessary protective measures against computer viruses, worms and any other cybersecurity risks. You acknowledge that Odyssey Group’s linking to such websites does not represent or constitute an endorsement or adoption by Odyssey Group of the views expressed or of the products and services sold on those websites. Questions about the content of those websites should be directed to their respective authors.

A hypertext link from your website(s) to this website is not permitted, unless Odyssey Group has provided prior written permission. To request such permission, please send a message via e-mail to communications@odysseygroup.com.

Limitation of Liability

In no event will Odyssey Group or any of its affiliates have any responsibility or liability to any party for any damages of any kind arising out of or in any way involving: (i) your access to or use of this website, including your downloading of any document from this website; (ii) your failure to be able to access the website; (iii) your reliance upon any of the information provided on this website; or (iv) your accessing of any other website not under the control of Odyssey Group by means of a hyperlink located on this website.

Other Important Information

These Terms will be governed by and construed in accordance with the laws of the State of Connecticut of the United States of America (“U.S.”) without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or involving these Terms shall be filed only in the state or U.S. federal courts located in Connecticut and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, that provision shall be deemed severable from the remainder of the Terms and shall not affect the validity and enforceability of any remaining provisions.

You agree that, regardless of any statute or law to the contrary, any claim or cause of action arising out of or involving use of the website, the Terms or the Privacy Policy must be filed within one (1) year of such claim or cause of action arising or it will be forever barred.

The failure of Odyssey Group to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

If there is a conflict between these Terms and additional terms available within a particular part of this website, those additional terms will prevail for that conflict.

Privacy

Odyssey Group is committed to protecting the Personal Data, Sensitive Personal Data and personally identifiable information (collectively, “PII”) of its customers and the users of this website. For more information, please read Odyssey Group’s Privacy Policy.

Legal Notice

Odyssey Group Holdings, Inc. is a Delaware domiciled company, with its principal place of business at 300 First Stamford Place, Stamford, CT 06902 U.S.A.

Slavery and Human Trafficking Statement Pursuant to UK Modern Slavery Act

Odyssey Group’s Slavery and Human Trafficking Statement in accordance with the requirements of the UK Modern Slavery Act.

Last Updated: February 10, 2022