This website (the “Website”) is owned and operated by Anthea Insurance Limited and its affiliates (collectively, “Anthea”, “the Company”, “we”, or “us”). By accessing or using the Website, you acknowledge that you have read, understood, and agreed to the terms and conditions of use (“Terms”) pertaining to both the Website and any material contained therein. Anthea reserves the right to modify, amend, or update any portion of the terms, conditions, and notices under which the Website is offered at any time without prior notice. Continued use of the Website following any changes constitutes your acceptance of the revised Terms.

Intellectual Property

All content and materials available on the Website—including, without limitation, text, graphics, photographs, images, logos, trademarks, software, and design elements—are the exclusive property of Anthea and are protected by applicable intellectual property laws.

· No content on the Website shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo, image, or proprietary material without the prior written consent of Anthea.

· Downloading, copying, or transmitting any portion of the Website does not confer title or ownership of any material or software.

· Any information or content submitted or transmitted to the Website becomes the property of Anthea and may be used for any lawful purpose, including disclosure to regulatory authorities as required.

Anthea reserves all rights with respect to the copyright and trademark ownership of all Website content and will enforce such rights to the fullest extent permitted by law.

The Website is provided solely for personal, non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products, or services obtained from the Website.

User Conduct and Restrictions

By accessing the Website, you agree to comply with the Terms and all applicable laws, rules and regulations. You further agree not to engage in any activity that violates these Terms or compromises the integrity, security, or lawful use of the Website. Without limitation, you shall not:

· Copy, reproduce, or print any portion of the Website—including individual pages, research, or reports—for commercial purposes without prior written authorization from Anthea. Any use of Website materials must not alter the original Website content, including all legal notices and legends;

· All materials at the Website are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, disclosures or clauses apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download;

· Link to, frame, or mirror the Website or any portion thereof without express permission;

· Disrupt site functionality, compromise network integrity, or attempt unauthorized access to systems or data;

· Use automated systems to access, extract, or manipulate data from the Website, or take any action that imposes an unreasonable or disproportionate load on our servers;

· Circumvent access controls or security measures implemented by Anthea;

· Upload, transmit, publish, or link to any malicious content.

Anthea reserves the right to investigate, and take appropriate legal action against, any violation of these restrictions, including suspension of access, reporting to authorities, and pursuit of any legal remedies available.

No Reliance

While we strive to maintain accurate and up-to-date information on the Website, Anthea makes no representations or warranties, express or implied, regarding the accuracy, reliability, completeness, or timeliness of any content presented on the Website.

All opinions, analyses, forecasts, or other materials—including the Terms—are subject to change without notice and are provided for informational purposes only.

Third Party Content

Certain content available on the Website may be provided by third parties, including users, publishers, or external contributors. Such content is the sole responsibility of the originating party and is not reviewed, endorsed, or controlled by Anthea.

While Anthea reserves the right to monitor, review, or remove third-party content at its discretion, we do not guarantee that all content is reviewed or verified. Accessing or relying on third-party content is done entirely at your own risk.

The Terms do not apply to any external websites or services linked through the Website. Users are advised to consult the applicable terms and privacy policies of any third-party platforms.

To the fullest extent permitted by law, Anthea shall not be liable for any content submitted, posted, linked to, or otherwise made available via the Website, including but not limited to:

· Errors, omissions, or inaccuracies;

· Intellectual property infringement;

· Loss or damage resulting from reliance on or use of such content.

Statement Regarding Internet Phishing and Fraud

Unauthorized third parties may attempt to misuse Anthea’s name, brand, and reputation by creating fraudulent websites and engaging in phishing scams seeking personal or confidential information.

Anthea does not authorize any such misuse and actively investigates to protect its legal rights, reputation, and stakeholders.

When interacting with Anthea via digital platforms, users are advised to exercise caution, especially when personal information is concerned:

· Verify Website Authenticity: Ensure that you are accessing an official Anthea website.

· Confirm Identity of Contacts: Only communicate with individuals affiliated with Anthea.

· Email Domain Validation: Anthea employees and representatives conduct business exclusively through email addresses ending in “@anthea.com.” Do not engage with individuals claiming to represent Anthea who use unauthorized email domains.

· Protect Login Credentials: Never disclose your password or login information to anyone, including Anthea personnel. Anthea will never request such information outside of secure, authenticated portals designated for policyholders.

If you suspect fraudulent activity or have received suspicious communications purporting to be from Anthea, please report the matter immediately to our compliance team at hello@anthea.com.

No Warranty

All materials, contents, and functionality provided on the Website are offered on an “as is” basis, without any representations or warranties of any kind, express or implied, to the fullest extent permitted by applicable law.

We make no warranties or guarantees that:

· The Website will operate without interruption or error;

· Any defects or inaccuracies will be corrected;

· The Website or the server(s) that host it are free from viruses, malware, or other harmful components.

Anthea shall not be liable for any damage to, or viruses that may infect, your computer systems, devices, or other property resulting from your access to or use of the Website. This includes any costs associated with servicing, repairs, or corrections required due to such damage.

Please note that certain jurisdictions may not permit the exclusion of implied warranties. Accordingly, some or all of the disclaimers above may not apply to you depending on your location.

Limitation of Liability

To the fullest extent permitted by applicable law, Anthea shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any other damages of any kind—including, without limitation, loss of use, loss of profits, loss of data, or business interruption—arising out of or in connection with your access to or use of the Website, or any content, materials, or services made available through the Website, whether based on contract, tort (including negligence), strict liability, or otherwise.

In no event shall Anthea’s total aggregate liability for any and all claims, damages, or causes of action arising from your use of the Website exceed the amount, if any, paid by you to Anthea for such use.

Certain jurisdictions may not permit the exclusion or limitation of implied warranties. Accordingly, some of the above limitations may not apply to you, and you may have additional rights under applicable laws.

Severability and Prevailing Agreements

If any provision of these Terms is determined to be invalid, illegal, or unenforceable under applicable law, such provision shall be deemed modified to the extent necessary to render it enforceable while preserving its original intent. If modification is not possible, the provision shall be deemed severed from these Terms, and the remaining provisions shall remain in full force and effect and be construed as if the invalid or unenforceable provision had not been included. These terms and conditions shall be subject to any other agreements you have entered into with Anthea.

Dispute Resolution

All claims, disputes, or controversies arising out of or relating to the interpretation, performance, or use of the Website, including any other Anthea-affiliated sites, shall be subject to the exclusive jurisdiction of the courts of Bermuda.

You acknowledge and agree that any breach of these Terms may result in irreparable harm to Anthea, for which monetary damages may be inadequate. Accordingly, Anthea shall be entitled to seek injunctive relief, in addition to any other remedies available at law or in equity.

Professional Advice Disclaimer

Prior to engaging in any transaction involving Anthea’s products or services, users are strongly encouraged to consult with independent professional advisors—including legal counsel, tax consultants, and financial advisors—regarding the suitability, pricing, value, and associated risks of any transaction.

Information presented on the Website, including pricing and analytics derived from third-party data or proprietary models, may not reflect actual market conditions or values available at the time of purchase, sale, or settlement.

Certain statements on the Website may reflect Anthea’s internal views, projections, or estimates, which are subject to change without notice and may be based on proprietary models and assumptions that are not guaranteed to be accurate or complete. Actual performance may differ materially from such estimates due to market volatility, regulatory developments, or other external factors.

Anthea and its affiliates, directors, officers, employees, and representatives make no representation or warranty, express or implied, regarding the accuracy, completeness, or reliability of any information provided on the Website. All such parties expressly disclaim any liability arising from reliance on or use of the Website’s content.

‍Jurisdictional Considerations

The materials, products, and services presented on the Website are intended for Bermuda viewers only. Anthea makes no representation that the Website or its content is appropriate for use in all locations, or that transactions, products, instruments or services discussed at the Website are available or appropriate for sale or use in all jurisdictions, or by all investors or counter parties. Users accessing the Website from outside Bermuda are solely responsible for ensuring that their access to and use of the Website complies with all applicable laws and regulations in their respective jurisdictions. The information presented on or accessible through the Website is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation, or would subject Anthea to any registration, licensing, or regulatory obligation within that jurisdiction.

Anthea reserves the right to restrict access to the Website or its services to any individual, geographic region, or jurisdiction at its sole discretion. No software, data, or content from the Website may be downloaded or exported in violation of relevant Bermuda regulations. By continuing to access the Website, you represent and warrant that the laws and regulations of your jurisdiction permit you to do so.

Applicable Law and Regulations

These Terms shall be governed by and construed and enforced solely in accordance with the laws of Bermuda. You agree to submit exclusively to the jurisdiction of the courts of Bermuda for the purposes of litigating any dispute arising out of these Terms against Anthea, except with regard to injunctive or equitable relief.

Anthea Insurance Limited is licensed and regulated by the Bermuda Monetary Authority, pursuant to the terms of the Insurance Act 1978 and all related regulations. Applications for Anthea’s insurance products will be received and reviewed exclusively by its offices in Bermuda. Anthea does not solicit the offer nor the sales of its products in any jurisdiction other than Bermuda. The contents of this website are not a solicitation to buy, sell, or submit an application for the purchase of any insurance product. Neither Anthea Insurance Limited nor its affiliates are lawyers, investors, or accountants. As such, they do not provide legal, investment, or tax advice. Individuals interested in purchasing our products are responsible for obtaining their own legal, investment, and tax advice from licensed professionals. 

This Terms and Conditions page was last updated on July 24, 2025.