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Terms and Conditions of Use

This website is maintained by Odyssey Re Holdings Corp. ("OdysseyRe") on behalf of itself and its affiliates. Your use of this website is subject to the terms and conditions set forth below. By accessing this website, you acknowledge that you have read and accept these terms and conditions.

Disclaimer of Warranty

This website has been prepared solely for the purpose of providing information about OdysseyRe and its products and services. This website and the information provided herein, including any references to our products and services, are provided "as is," without any warranty or implied term of any kind. OdysseyRe will make reasonable efforts to maintain accurate, reliable and current information on the website, but OdysseyRe makes no warranty or representation as to the completeness or accuracy of the information contained on this website. You understand and acknowledge that this information may be incomplete, may contain errors or may have become out-of-date. OdysseyRe makes no commitment, and expressly disclaims any duty, to update any such information or reports contained on the website. OdysseyRe reserves the right to add, modify or delete any information on this website at any time without notice.

Intellectual Property

The materials contained on this website, including its design and the images, information, and other content are the property of OdysseyRe and are protected by copyrights, trademarks and other intellectual property and proprietary rights. No material from this website may be copied, downloaded, published, broadcast or distributed, in whole or in part, other than for your own non-commercial reasons, without the express written consent of OdysseyRe.

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 OdysseyRe 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 following: the occurrence of catastrophic events with a frequency or severity exceeding OdysseyRe's estimates; the lowering or loss of one of OdysseyRe's financial or claims-paying ratings, including those of OdysseyRe's subsidiaries; 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 LAE reserves; changes in key management personnel; changes in general market or economic conditions; and other factors which are described in OdysseyRe's filings with the Securities and Exchange Commission.

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.

Limitation of Liability

In no event will OdysseyRe 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 related to (i) your access to, or use of, this website, (ii) your failure to be able to access the website, or (iii) your reliance upon any of the information provided on this website.

Hyperlinks

This website provides links to other sites. Because those other websites are not under the control of OdysseyRe, OdysseyRe is not responsible for and cannot guarantee the quality, accuracy, or timeliness of those websites. You agree that you visit linked websites at your own risk and that it is your responsibility to take all necessary protective measures against viruses, worms and other items of a destructive nature. You acknowledge that the linkage to such websites does not represent or constitute an endorsement or adoption by OdysseyRe 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 authors. If you would like to provide a hypertext link from your website to this website, please request our permission before doing so. To request such permission, send a message via e-mail to: marketingdepartment@odysseyre.com

Privacy

OdysseyRe does not collect personally identifying information from visitors to this website unless provided by the visitor or the visitor's browser. OdysseyRe will not use information provided through your use of this website, except to respond to direct inquiries or to measure traffic and traffic trends at this website. OdysseyRe does not provide or sell any of this information to third parties. OdysseyRe does not currently use "cookies," i.e., files written to the visitor's computer that are used by some websites for record keeping or to remember certain information about visitors.

OdysseyRe reserves the right to change its policy regarding cookies and the collection of information from visitors at any time without advance notice. Should any new policy be put into effect, OdysseyRe will post it on this website, and the new policy will apply only to information collected thereafter. Any such policy will permit visitors to "opt out" of the collection of any personally identifying information.

Jurisdiction

These terms and conditions of use will be governed by and construed in accordance with the laws of the State of Connecticut, without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or relating to these terms and conditions 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 and conditions shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions.