Terms and Conditions

By accessing this web site you agree to be bound by the terms & conditions noted below. If you are not prepared to agree to these terms and conditions, then you must desist from accessing this web site immediately.

This web page is updated and modified from time to time. You should check this page every time you access this web site.

The materials contained in this web site are for general information purposes only. The accuracy, adequacy and completeness of the information are not warranted or otherwise guaranteed. Lavaretus accepts no liability for the contents of this web site to the extent permitted by applicable law in any jurisdiction that would or could otherwise arise from or as a result of reliance on the contents of this web site.

Lavaretus does not represent or warrant that any of the information presented on its web pages, this web site or on the Internet generally will be uninterrupted or error free, that defects will be corrected, or that this web site or the server from which it is accessed are free from viruses, worms, Trojan Horses or other harmful components.

Under no circumstances (except for death and personal injury arising from the negligence of Lavaretus) shall Lavaretus be liable in contract, tort, or otherwise, for any loss or damage whatsoever arising from use of or in any way connected with this web site or any hyper linked web site, including, without limitation, damages for loss of business, loss of profits, business interruption, loss of business information, loss of programs or other data on the user's information handling system or otherwise maintained, or any other pecuniary loss (even where Laveratus has been advised of the possibility of such loss or damage arising).

No part of this web site may be permanently copied or reproduced in any form or reproduced on any other web site or stored in or transmitted to or from any other electronic or digital form in whole or in part, nor may links to this web site be included in any other web site without the prior written permission of Lavaretus.

All copyright and other intellectual property rights whatsoever arising in the contents' of this web site and any underlying computer code are owned by or licensed to Lavaretus or its affiliates. All moral rights and equivalent rights are hereby asserted and reserved.

No endorsement, approval or verification of the content of hyperlinks from this web site is given by Lavaretus. Laveratus is unable to guarantee the confidentiality or security of any data passing via this web site. Accordingly, your use of this web site is at your own risk.

These terms and conditions are governed by and are to be construed in accordance with Swedish law and both you and Lavaretus hereby irrevocably submit to the exclusive jurisdiction of the Swedish Courts.

For the purposes of these terms and conditions, the following definitions shall apply:

"Lavaretus" means Laveratus Underwriting AB and its Affiliates.

"Affiliate" means in relation to an entity, any other entity that is, directly or indirectly, controlling, controlled by or under common control with such an entity; where "control" means the possession, direct or indirect, of the power to direct or cause the direction of management and policies of an entity, whether through direct or indirect ownership of voting securities, by contract or otherwise.

Trading Address (Helsinki): Lavaretus Underwriting AB, Pohjoisesplanadi 21 B 7, FI-00100 Helsinki, Finland.

Trading Address (Copenhagen): Lavaretus Underwriting AB, Vesterbrogade 4A, 2nd floor, DK-1620 Copenhagen, Denmark.

Lavaretus is Authorised and Regulated by the Swedish Financial Supervisory Authority, Finansinspektionen (SFSA).

Registered Office: Nybrogatan 27, Stockholm, Sweden, SE-114 39.

Registered in Sweden No. 556795-2212.