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Privacy Policy

 IMPORTANT! These terms of use govern your use of this site. By accessing this site, you are indicating your acknowledgment and acceptance of these terms of use. These terms of use are subject to change, update, and/or revision (collectively “change”) by SRC at any time, without notice, in its sole direction. Your use of this site after any such change is implemented constitutes your acknowledgment and acceptance of such change. Please consult these terms of use regularly. 

PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE. 

srcreinsurance.com (the “Site”) is subject to these Terms of Use. For purposes of these Terms of Use, the term “SRC” refers to the Sequoia Reinsurance Company, Incorporated, and all of its affiliated and subsidiary companies, without limitation. SRC may at any time revise these Terms of Use by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the most current Terms of Use. These Terms of Use have been updated as of the date noted at the end of the terms.

The headings used in these Terms of Use are for navigation purposes and do not affect the interpretation of the Terms of Use. Reference to “you” or “your” means a user of the srcreinsurance.com Website. Reference to “we” means Sequoa Reinsurance Company, Incorporated.


Restrictions on Use
You may use this Site for purposes expressly permitted by this Site. You may not use this Site for any other purpose, including any commercial purpose, without SRC’s prior written consent, which consent may be withheld at its sole discretion. For example, you may not (and may not authorize any other party to) (i) co-brand this Site, (ii) frame this Site, or (iii) hyperlink to this Site without the express prior written consent of an authorized representative of SRC. For purposes of these Terms of Use, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party, in a manner that is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or content accessible within this Site. You agree to cooperate with SRC in causing any unauthorized co-branding, framing, or hyperlinking immediately to cease.

Proprietary Information
The material and content accessible on this Site, and any other site owned, operated, licensed, or controlled by SRC (the “Content”) is proprietary information of SRC and its subsidiaries or the party that provided the Content to SRC, and it or the party that provided the Content to SRC retains all right, title, and interest in and to the Content. Content may not be copied, reproduced, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of SRC, which may be withheld in its sole discretion, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms of Use violates SRC’s intellectual property rights. 

You must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer, or use in any other way for commercial or public purposes in whole or in part any Content obtained from the Site without the prior written permission of the owner of the relevant Intellectual Property Rights (whether that be SRC or another third party). It is prohibited to systematically retrieve content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory (whether through robots, spiders, automatic devices or manual processes) without written permission from SRC. 

Intellectual Property Rights
Intellectual Property Rights in the pages of the Site and the Content available through them belong to SRC or other third parties. You do not acquire, by virtue of your use of an SRC Site, any rights, title, or interest in any of the Intellectual Property Rights in the Content or the Site. For the purpose of these Terms of Use, “Intellectual Property Rights” means (i) copyright, patents, database rights, and rights in trademarks, designs, know-how, and registered or non-registered confidential information; (ii) applications for registration and the right to apply for registration for any of these rights; and (iii) all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world.

Hyperlinks
This Site may be hyperlinked to other sites which are not maintained by or related to SRC. Hyperlinks to such sites are provided as a service to users and are not sponsored by or affiliated with this Site or SRC. SRC has not reviewed such sites and is not responsible for their content. Hyperlinks are to be accessed at the user’s own risk, and SRC makes no representations or warranties about the content, completeness, or accuracy of such hyperlinks or the sites hyperlinked to this Site. SRC is not responsible for any hyperlinked site’s privacy policies or terms of use and SRC takes no responsibility for such sites. A hyperlink to a service or site is not an endorsement of the service of the site, its content, or its sponsoring organization. Furthermore, SRC shall not be liable for any direct or indirect system damage or other problems you may incur as a result of linking to a Website, including consequences arising from your accessing third-party technologies, site information, and/or programs.

Submissions
You hereby grant to SRC the royalty-free, perpetual, irrevocable, worldwide, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to SRC through this Site (together, the “Submission”), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. SRC will not be required to treat any Submission as confidential, and may use any Submission in their businesses (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future operations. SRC will treat any Personal Information that you submit through this Site in accordance with the SRC Privacy Policy. 

By communicating a Submission, you guarantee, represent, and warrant that the Submission complies with applicable laws, rules, and regulations and in particular:

  • Is legal, decent, and truthful and not defamatory, unreliable, misleading, or otherwise objectionable;
  • That you own or have the necessary rights, licenses, consents, and permissions, without the need for any permission from or payment to any other person or entity, to exploit, and to authorize SRC to exploit, such Submission in all manners contemplated by these Terms of Use;
  • Does not harm others, in particular minors, or infringe their personal rights.

Disclaimer
You understand that SRC cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses, or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for the accuracy of data input and output, and for maintaining a means external to this Site for the reconstruction of any lost data. SRC does not assume any responsibility or risk for your use of the Internet, nor does SRC assume any responsibility for any products or services or hypertext links to third parties or for any breach of security associated with your use of this Site or your transmission of sensitive information through the Site or any hyperlinked sites. The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by SRC. Investors, borrowers, and other persons should use the Content in the same manner as any other informational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals. Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. SRC DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. SRC DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. SRC DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND SRC MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT SRC, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. SRC ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information on this Site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Site, and SRC does not undertake any obligation to update such information after it is posted or to remove such information from this Site if it is not, or is no longer, accurate or complete. All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by SRC executives that relates to SRC’s future performance or financial results, are considered forward-looking statements. These forward-looking statements involve uncertainties that could cause actual performance or results to materially differ, and readers are cautioned not to place undue reliance on them. All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in our Securities and Exchange Commission reports, including any SRC annual report.

These forward-looking statements involve known and unknown risks, uncertainties, and other factors, which may cause SRC’s actual results of operations, financial condition, solvency ratios, capital or liquidity positions or prospects to be materially different from any future results of operations, financial condition, solvency ratios, capital or liquidity positions or prospects expressed or implied by such statements or cause SRC to not achieve its published targets. Such factors include, among others:

  • the frequency, severity, and development of insured claim events, particularly natural catastrophes, man-made disasters, pandemics, acts of terrorism, and acts of war;
  • the cyclicality of the insurance and reinsurance sectors;
  • instability affecting the global financial system;
  • deterioration in global economic conditions;
  • the effect of market conditions, including the global equity and credit markets, and the level and volatility of equity prices, interest rates, credit spreads, currency values, and other market indices, on SRC’s investment assets;
  • changes in SRC’s investment result as a result of changes in SRC’s investment policy or the changed composition of SRC’s investment assets, and the impact of the timing of any such changes relative to changes in market conditions;
  • SRC’s ability to maintain sufficient liquidity and access to capital markets, including sufficient liquidity to cover potential recapture of reinsurance agreements, early calls of debt or debt-like arrangements, and collateral calls due to actual or perceived deterioration of SRC’s financial strength or otherwise;
  • changes in legislation and regulation, and the interpretations thereof by regulators and courts, affecting us or SRC’s ceding companies;
  • uncertainties in estimating reserves;
  • policy renewal and lapse rates;
  • uncertainties in estimating future claims for purposes of financial reporting, particularly with respect to large natural catastrophes and certain large man-made losses, as significant uncertainties may be involved in estimating losses from such events and preliminary estimates may be subject to change as new information becomes available;
  • extraordinary events affecting SRC’s clients and other counterparties, such as bankruptcies, liquidations, and other credit-related events;
  • legal actions or regulatory investigations or actions, including those in respect of industry requirements or business conduct rules of general applicability;
  • changes in accounting standards;
  • changing levels of competition, including from new entrants into the market; and
  • operational factors, including the efficacy of risk management and other internal procedures in managing the foregoing risks and the ability to manage cybersecurity risks.

Limitation of Liability
SRC, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS (“SRC PARTIES”) WILL NOT BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN, AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE SITE, EVEN IF SRC OR A REPRESENTATIVE AUTHORIZED BY SRC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF SRC AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. 

SRC PARTIES WILL BE NOT LIABLE FOR ANY DAMAGE OR LOSS (ESPECIALLY LOSS OF DATA, ALTERATION OF DATA, OR DOWNTIME) THAT MAY BE CAUSED TO ANY EQUIPMENT OR SOFTWARE DUE TO ANY VIRUSES, DEFECTS, OR MALFUNCTIONS IN CONNECTION WITH THE ACCESS OR USE OF THE SITE OR DOWNLOADS FROM THE SITE (WHETHER BASED ON MANUAL ACCESS, SUBSCRIPTIONS, RSS-FEEDS OR OTHERWISE).

Indemnity
You will indemnify and hold SRC, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify the Indemnified Parties against any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this Site.

Information You Provide
You may not post, send, submit, publish, or transmit in connection with this Site any material that: 

  • you do not have the right to post, including proprietary material of any third party; 
  • advocates illegal activity or discusses an intent to commit an illegal act; 
  • is vulgar, obscene, pornographic, or indecent; 
  • does not pertain directly to this Site; 
  • threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening, or offensive; 
  • infringes any intellectual property or another right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity; 
  • violates any law or may be considered to violate any law; 
  • impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content; 
  • advertises any commercial endeavor (e.g. offering for sale products or services) or otherwise engages in any commercial activity (e.g. conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this Site; 
  • solicits funds, advertisers, or sponsors; 
  • includes programs that contain viruses, worms, and/or Trojan horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware, or telecommunications; 
  • disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise acts in a way that affects the ability of other people to engage in real time activities via this Site; 
  • includes MP3 format files; 
  • disobeys any policy or regulations established from time to time regarding the use of this Site or any networks connected to this Site; or 
  • contains hyperlinks to other sites that contain content that falls within the descriptions set forth above. 

SRC and its subsidiaries reserve the right to monitor the use of this Site to determine compliance with these Terms of Use, as well as the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither SRC nor any third party that provides Content to SRC shall not assume or have any liability for any action or inaction by SRC or such third party with respect to any submission.

Access to the Site
This Site is controlled by us from our offices within the United States. Except as specifically stated, we make no representation that Content on this Site is appropriate or available for use in other jurisdictions. Access to this Site’s Content from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site in violation of U.S. export laws and regulations. SRC and its subsidiaries are not authorized to do business in every jurisdiction. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content. Information published on this Site may contain references or cross-references to products, programs, or services that are not available in your state or country.

Services, Programs, and Products Offered
SRC makes no representations regarding the availability of all the services, programs, and products described on the Site as appropriate or available for use in your country. The materials and product descriptions available on the Site have no regard for the specific objectives, financial status, or unique needs of any specific recipient or user of the Site. SRC does not represent that the services, programs, or products presented on the Site are suitable for any individual or corporate entity. No representation or warranties, either express or implied, are made with regard to the accuracy, completeness, or reliability of the services, programs, and products described on the Site, nor should they be considered a complete statement regarding the services, programs, or products referred to therein. The description of the services, programs, and products on the Site should not be considered by the user as a substitute for the exercise of judgment. Any opinions expressed, or other statements, are subject to change without notice and may differ or be contrary to opinions expressed or statements made by other business areas within SRC as a result of different assumptions and criteria. SRC is under no obligation to keep the Site current with regard to the services, programs, or products it offers.

The information contained on the Site is for informational purposes only. Consult your local SRC representative for information regarding the products, programs, and services which may be available to you.

No Solicitation of Offers, Selling, or Provision of Investment Advice
The information contained on the Site does not constitute investment advice and is not an offer to sell, a solicitation, or a recommendation to buy any service, program, or insurance product. All transactions require signed agreements between an SRC company and its clients, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of the Site constitutes your agreement to the additional Terms of Use applicable to such use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.

Violations of Rules and Regulations
SRC reserves the right to seek any remedy available at law or in equity for any violation of these Terms of Use, including the right to block access from a particular Internet address to this Site. 

Security
Passwords used to access any features of this Site (if any) are for individual use only. You will be responsible for the security of your password. SRC will be entitled to monitor your password and, at their discretion, require you to change it. If you use a password that SRC considers insecure, SRC will be entitled to require the password to be changed and/or terminate your account. 

You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password-guessing programs, cracking tools, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, SRC reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. SRC reserves the right to investigate suspected violations of these Terms of Use.

You agree that SRC shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your password. If you permit access to your password by third parties, then you agree to defend, indemnify and hold SRC harmless against any liability, losses, damages, or costs and expenses (including attorneys’ fees) arising out of, or resulting from, such access and related use of this Site. SRC reserves the right to block access to this Site for any reason. You also agree to immediately notify SRC if you: 

  • become aware of any loss or theft of your password, or 
  • become aware of any unauthorized use of your password. 

Finally, you acknowledge and agree that you will not: (i) collect or store data about other users of this Site, or (ii) upload, e-mail, or otherwise transmit any material that contains viruses or any other computer code, files, or programs that might interrupt, limit, or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased, or used by SRC.

For your protection, SRC may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry-standard security measures to protect against the loss, misuse, and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. While there is no such thing as “perfect security” on the Internet, we will take reasonable steps to ensure the safety of the information transmitted. There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. SRC is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not SRC, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

SRC reserves the right to fully cooperate with any law enforcement authorities, regulatory authorities, or court order requesting or directing them to disclose the identity of anyone posting any e-mail messages or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THESE TERMS, YOU WAIVE AND HOLD HARMLESS SRC AND ITS SUBSIDIARIES FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY SRC DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER SRC OR LAW ENFORCEMENT AUTHORITIES.

E-Mail
Certain portions of this Site may offer you the ability to e-mail a message to SRC. E-mail functionality, if any, is provided to you to facilitate communications between you and SRC. SRC shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders, or instructions. Moreover, SRC shall have no liability for any loss or damage that result from interception and/or unauthorized use by third parties of any information you send by e-mail.

Equal Employment Opportunity (EEO)
SRC is proud to be an equal opportunity workplace and is committed to protecting its employees and qualified applicants against discrimination on the basis of age, color, creed, disability, marital status, familial status, national or ethnic origin, ancestry, citizenship, race, religion, veteran status, socio-economic background, gender, sexual orientation, genetic information, gender identity or expression, and/or any other basis protected under federal, state, and local laws. We celebrate different perspectives and are committed to creating an inclusive environment for all employees. Our policy is to seek out and employ qualified people at all Company locations, to provide all employees equal opportunity based on merit, and to administer these and all employment-related activities in a non-discriminatory manner.

The Company’s equal employment commitment applies to all aspects of the employment relationship, including, but not limited to, advertising, recruitment, hiring, placement, compensation, benefits, training, professional development, promotion, working conditions, transfer, or termination. Furthermore, SRC does not discriminate against qualified disabled persons or disabled veterans because of physical and mental disabilities.

SRC complies with all federal, state, and local laws and strives to promote a positive workplace free from unlawful discrimination and harassment, where our employees can thrive. SRC investigates complaints thoroughly and promptly. Retaliation is prohibited against any employee who files a complaint of discrimination, participates in a covered proceeding, or otherwise opposes discrimination under applicable laws.

Miscellaneous
These Terms of Use will be governed and interpreted pursuant to the laws of the State of Oklahoma, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Oklahoma in connection with any dispute between you and SRC arising out of these Terms of Use or pertaining to this Site. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in any the state or federal court in Oklahoma. If any part of these Terms of Use is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Site will govern the items to which they pertain. SRC may revise these Terms of Use at any time by updating this posting. These Terms of Use constitute the entire agreement between SRC and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must commence within one (1) year after the claim or cause of action arises.