These Terms of Use govern the use of the Nectar Re Asia Limited T/as Pandamatics Underwriting (“Pandamatics Underwriting”) website (the “Website”) and any information exchanged by means of the Website. By accessing and using the Website, you indicate your acknowledgment and acceptance of the terms and conditions set forth in the Terms of Use.

Laws and Regulations

Your access and use of the Website are subject to all applicable international, federal, state, and local laws and regulations.

Permission to use, copy, and distribute the documentation on the Website without fee is hereby granted for non-commercial use only, provided that the above copyright notice appears in all copies and that both that copyright notice and this permission notice appear in supporting documentation, and that the name of Pandamatics Underwriting is not used in advertising or publicity pertaining to distribution of this documentation without specific, written prior permission. All images used on the Website are owned or licensed by Pandamatics Underwriting for use on the Website only. Unauthorized use is prohibited.

All product names appearing in type form different from that of the surrounding text are trademarks of Pandamatics Underwriting.

Nothing contained herein shall be construed as conferring any license or right under any Pandamatics Underwriting patent, copyright, or trademark.

Disclaimer

The information on the Website is provided “as is” without any warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Pandamatics Underwriting makes no representation or warranty that the information contained on the Website will be timely or error-free. Pandamatics Underwriting has not reviewed all the sites that may be linked to the Website and does not endorse and is not responsible for the content of any off-site pages or any other sites linked to these sites. Your decision to visit linked sites is at your own risk.

Applicable Laws

The Website [https://www.pandamatics.com] contains information about products and services which may or may not be available in any particular country, and if applicable, may have received approval or market clearance by a governmental regulatory body under certain restrictions specific to that particular country. Each country has specific laws and regulations governing the communication of information on the Internet. Nothing herein should be construed as a solicitation or promotion for any product or service which is not authorized by the laws and regulations of the country where the user resides.

Linked Internet Site

Pandamatics Underwriting prohibits unauthorized hypertext links to the Website. Pandamatics Underwriting reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the contents of any other internet sites linked to the Website. Other internet sites which are linked to the Website have their own terms and conditions of use and privacy policies. Access to any other internet sites linked to the Website is at your own risk.

You should be aware that linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Website. Pandamatics Underwriting is not responsible for such provisions, and disclaims any and all liability related to such provisions.

Jurisdiction and Venue

The Website is controlled and operated by Pandamatics Underwriting from its offices within Hong Kong. Any claim relating to the Website shall be governed by the laws of Hong Kong. You and Pandamatics Underwriting agree that any action arising out of or related to use of the Website or these terms and conditions must be submitted to the exclusive jurisdiction of Hong Kong law. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Website or these terms and conditions must be filed within one (1) year after such claim or cause of action arose. Your conduct may be subject to other laws. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

Violation of Terms and Conditions

Pandamatics Underwriting reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular Internet address or by particular users of the Website.

Miscellaneous

Pandamatics Underwriting operates the Website and reserves the right to change these Terms of Use at any time and from time to time without notice. Changes in these terms and conditions will be effective upon posting or as otherwise specified by Pandamatics Underwriting. The failure of Pandamatics Underwriting to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.