Terms and Conditions

Effective Date: [Insert Date]

These Terms and Conditions govern your access to and use of the website operated by R&D Underwriting at https://rd-underwriting.com/. By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree with these Terms and Conditions, you should not use this website.

1. Company Information

This website is operated by R&D GLOBAL INSURANCE BROKERS LTD.

Incorporation Date: 15/10/2025.

Registration Number ΗΕ 481975.

Registered Address: Pavlou Valdaseridi 2A, Floor 1, 6018, Larnaca, Cyprus

Telephone: +40 733 502 402

Contact Page: https://rd-underwriting.com/contact/

2. Scope of Website Use

This website is provided for general informational purposes only. It is intended to present information about R&D Underwriting, its services, areas of expertise, insights, products and ways to get in touch. The content made available on this website does not constitute legal, regulatory, financial, tax, insurance, underwriting or other professional advice, and should not be relied upon as such.

Nothing on this website shall be construed as an offer to sell, solicitation to buy, binding quotation, commitment to insure, or guarantee of coverage. Any insurance-related information provided on the website is subject to underwriting review, eligibility criteria, policy terms, conditions, exclusions, limits and applicable law.

3. Eligibility and Permitted Use

You may use this website only for lawful purposes and in accordance with these Terms and Conditions. By using the website, you confirm that you are doing so in a professional and lawful manner and that you will not use the website in any way that could damage, disable, overburden or impair the website or interfere with any other party’s use of the website.

You agree not to:

• Use the website in violation of any applicable law, regulation or third-party right.
• Attempt to gain unauthorized access to any part of the website, server, hosting environment, database or connected systems.
• Introduce viruses, malware, malicious code, bots, scraping tools or other harmful technology.
• Use the website for fraudulent, misleading, defamatory, abusive or otherwise objectionable purposes.
• Copy, reproduce, distribute, modify, republish, upload, post or commercially exploit any part of the website without prior written consent, except as expressly permitted by law.

4. No Reliance on Website Content

While R&D Underwriting aims to ensure that the content on this website is accurate, clear and up to date, the website and all content are provided on an “as is” and “as available” basis. We do not warrant or represent that the website content is complete, accurate, current, error-free or suitable for any specific purpose.

Any reliance you place on information contained on this website is strictly at your own risk. You should obtain independent professional advice before making any decision or taking any action based on the content of this website.

5. Insurance and Underwriting Disclaimer

Any reference to products, classes of business, industries, claims examples, services, coverage concepts, risk appetite or underwriting capabilities is for general information only and may not be available in all jurisdictions or to all persons. The availability of any product or service depends on applicable law, licensing requirements, underwriting review, risk acceptance and any other internal or external requirements that may apply.

Nothing on this website creates a broker, client, insured, advisory, fiduciary, contractual or underwriting relationship unless and until confirmed expressly in writing by an authorized representative of R&D Underwriting. Submission of an enquiry, completion of a contact form, downloading of materials or viewing website content does not create any obligation on the part of R&D Underwriting to provide a quote, bind coverage, issue a policy or accept any risk.

6. Broker and Third-Party Relationships

Where the website refers to working with brokers, partners, intermediaries or other third parties, such references are general and subject to separate business, compliance, regulatory and contractual arrangements where applicable. Access to certain services, tools or support may be restricted, conditional or unavailable depending on your role, jurisdiction or eligibility.

7. Intellectual Property Rights

All content on this website, including but not limited to text, layout, graphics, icons, logos, photographs, visual elements, downloads, documents, branding, site structure and design, is owned by or licensed to R&D Underwriting unless otherwise stated. These materials are protected by applicable intellectual property and copyright laws.

You may view, print or download website content only for your own internal, non-commercial and lawful use, provided that you do not modify the content and that all proprietary notices remain intact. Any other use, including reproduction, republication, adaptation, framing, mirroring, distribution or commercial exploitation, is prohibited without prior written permission.

8. User Submissions and Communications

If you contact us through the website, submit an enquiry, upload information, complete a contact form or otherwise communicate with us through the website, you confirm that the information you provide is accurate, lawful and does not infringe the rights of any third party.

You should not submit confidential, highly sensitive or unnecessary personal information through website forms unless specifically requested and appropriate safeguards are in place. We reserve the right, but not the obligation, to review, reject, delete or disregard communications submitted through the website where appropriate.

9. Privacy and Data Protection

Your use of this website may involve the collection and processing of personal data. Any such processing will be handled in accordance with our applicable privacy practices and any privacy notice or policy made available on the website from time to time. By using the website and submitting information through it, you acknowledge that such information may be processed for the purposes of responding to enquiries, administering communications, improving services, maintaining website security and complying with legal or regulatory obligations.

If you wish to contact us regarding privacy-related matters, please use the details set out on our contact page: https://rd-underwriting.com/contact/.

10. Links to Third-Party Websites

This website may contain links to third-party websites, platforms or resources for convenience or reference purposes. Such links do not imply endorsement, approval or responsibility by R&D Underwriting for the content, products, services, policies or practices of any third party.

We are not responsible for the availability, security, content or accuracy of third-party websites, and your use of any such website is at your own risk and subject to the terms and policies of the relevant third party.

11. Website Availability

We do not guarantee that the website, or any content on it, will always be available, uninterrupted, secure or free from errors or omissions. Access to the website may be suspended, restricted, withdrawn or limited at any time for operational, maintenance, legal, regulatory or business reasons without notice.

12. Limitation of Liability

To the fullest extent permitted by applicable law, R&D Underwriting, its affiliates, officers, employees, agents, service providers and licensors shall not be liable for any loss or damage of any kind arising out of or in connection with your use of, inability to use, or reliance upon this website or its content. This includes, without limitation, any direct, indirect, incidental, consequential, punitive or special damages, loss of profits, loss of revenue, loss of opportunity, loss of anticipated savings, business interruption, loss of data, loss of goodwill or reputational damage.

Nothing in these Terms and Conditions excludes or limits liability where such exclusion or limitation would be unlawful, including liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded.

13. Indemnity

You agree to indemnify, defend and hold harmless R&D Underwriting, its affiliates, directors, officers, employees and agents from and against any claims, demands, actions, liabilities, losses, damages, costs and expenses, including reasonable legal fees, arising out of or in connection with your breach of these Terms and Conditions, your misuse of the website, or your violation of any law or third-party right.

14. Compliance With Laws

You are responsible for ensuring that your access to and use of this website is lawful in your jurisdiction. The website is not directed at any person in any jurisdiction where, by reason of nationality, residence, location or otherwise, the publication or availability of the website would be contrary to law or regulation or would subject R&D Underwriting to any registration, licensing or other requirement within that jurisdiction.

15. No Waiver

No failure or delay by R&D Underwriting in exercising any right, remedy, power or privilege under these Terms and Conditions shall operate as a waiver of that right or remedy, nor shall any single or partial exercise preclude any other or further exercise of that or any other right or remedy.

16. Severability

If any provision of these Terms and Conditions is held to be invalid, unlawful or unenforceable by a court or competent authority, that provision shall be deemed severed to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

17. Changes to These Terms and Conditions

We may revise these Terms and Conditions at any time by updating this page. Any changes become effective when posted, unless otherwise stated. You are responsible for checking this page periodically to take notice of any changes, as they are binding on you from the date of publication.

18. Governing Law and Jurisdiction

These Terms and Conditions and any dispute or claim arising out of or in connection with them, their subject matter or their formation, whether contractual or non-contractual, shall be governed by and construed in accordance with the laws applicable in Cyprus, unless otherwise required by mandatory law.

You agree that the courts of Cyprus shall have jurisdiction to resolve any disputes arising in connection with these Terms and Conditions or your use of the website, subject to any mandatory rights or jurisdictional rules that may apply under applicable law.

19. Contact Information

If you have any questions about these Terms and Conditions or the use of this website, you may contact us using the details below:

R&D Underwriting
Pavlou Valdaseridi 2A, Floor 1, 6018, Larnaca, Cyprus
Telephone: +40 733 502 402
Contact Page: https://rd-underwriting.com/contact/

20. Entire Agreement

These Terms and Conditions constitute the entire agreement between you and R&D Underwriting in relation to your use of the website and supersede any prior understandings, communications or arrangements relating to that use, except where separate written agreements apply.