1. Introduction

Welcome to Bermax Specialty Underwriters (“Bermax”, “we”, “us”, “our”).
These Terms of Service (“Terms”) govern your access to and use of our website, online platforms, services, and any information provided therein.
By accessing or using our services, you agree to be bound by these Terms and all applicable laws and regulations.

If you do not agree to these Terms, please do not use our services.

2. Use of Services

Bermax provides specialty insurance underwriting, advisory, and claims support services.
Use of our website and services is limited to lawful purposes only. You agree not to:

• Violate any applicable local, national, or international laws or regulations.

• Engage in any activity that would interfere with or disrupt our services or systems.

• Attempt unauthorized access to any part of the platform, other accounts, computer systems, or networks.

3. No Offer or Advice

The content on our website and platforms is provided for general information purposes only and does not constitute:

• A solicitation or offer to sell insurance.

• Professional advice (legal, financial, insurance, or otherwise).

Specific insurance coverage is subject to individual underwriting review, policy terms, conditions, exclusions, and local regulatory approvals.

Clients should seek professional advice tailored to their circumstances.

4. Intellectual Property

All materials on our website, including text, graphics, logos, images, software, and other content (“Content”) are the property of Bermax Specialty Underwriters or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may:

• View and print Content for personal or internal business use.

You may not:

• Modify, reproduce, distribute, create derivative works from, or commercially exploit any Content without express written permission from Bermax.

5. Privacy

Your use of our services is also governed by our Privacy Policy which describes how we collect, use, and protect personal information.

By using our services, you consent to the processing of your information as described in the Privacy Policy.

6. Third-Party Links

Our website or platforms may contain links to third-party websites or services not owned or controlled by Bermax.
We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third parties.

Use of third-party websites is at your own risk.

7. Disclaimers

• Our services and Content are provided “as is” and “as available” without any warranties, express or implied.

• We do not guarantee that the website will be error-free, uninterrupted, or free from viruses or other harmful components.

• We disclaim all warranties regarding merchantability, fitness for a particular purpose, and non-infringement to the fullest extent permitted by law.

8. Limitation of Liability

To the maximum extent permitted by law, Bermax Specialty Underwriters shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages.

• Losses including (without limitation) loss of profits, loss of data, loss of goodwill, or business interruption arising out of or in connection with the use or inability to use our services.

Our total liability for any claims shall not exceed the amount paid by you (if any) for the use of our services.

9. Indemnity

You agree to indemnify, defend, and hold harmless Bermax Specialty Underwriters, its affiliates, directors, employees, agents, and contractors from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or related to:

• Your violation of these Terms; or

• Your use or misuse of our services.

10. Changes to Terms

Bermax reserves the right to modify or update these Terms at any time without prior notice.
Changes will be effective immediately upon posting to the website. Your continued use of the services constitutes your acceptance of the revised Terms.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with:

• The laws of the Dubai International Financial Centre (DIFC), United Arab Emirates.

Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the Courts of the DIFC.