Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

Gan Direct Insurance Ltd and its corporate and mutual company affiliates (“Gan Direct”) reserve the right to modify the Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Copyright / Trademark
Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Gan Direct. All logos and other trademarks and service marks used on this site are owned by Gan Direct.

Permission is hereby granted to use copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of Gan Direct, on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site's content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Gan Direct, is prohibited. Linking from another Web site to any page in this Web site is strictly prohibited without prior written permission.

Third-Party Sites
This site contains links to other Internet Web sites ("Third-party Sites") that are not maintained by us. These links are provided solely for your convenience. Gan Direct makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Privacy & Security
Please review our Privacy & Security Policy, which also governs your visit to this web site.

Password Registration
The Gan Direct online service Web site is restricted and requires a user identification code ("User ID") and a password for access. Unauthorized use or access of the online service sites is strictly prohibited.

In accessing the online service sites, you agree that:

• Gan Direct is entitled to act on instructions received under your User ID and password.
• Gan Direct is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Gan Direct.
• You will keep your password confidential and you will notify Gan Direct immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
• Gan Direct may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Disclaimer of Warranty
The content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. Gan Direct expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Gan Direct does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Gan Direct are free of viruses or other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability
Gan Direct shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Gan Direct, the unauthorized access to or alteration of your transmissions or data, even if Gan Direct has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.