Terms of Use & Privacy Policy

This website (the “Site”) is administered by Bermuda International Long Term Insurers and Reinsurers “BILTIR” the “Company,” “we”, “us”.  This website Terms of Use & Privacy Policy (“Terms of Use & Privacy Policy”) is being provided as a notice to you to describe the types of information we collect about you through this Site, how we use this information, and how we protect it.




Use of Site

BILTIR grants you a non-exclusive limited right to access, use and display this Site and the materials thereon.  You agree not to interrupt or attempt to interrupt the operation of the Site in any way.  BILTIR authorizes you to view and download the information and materials at this Site only for your individual use.  This authorization is not a transfer of title in the materials and copies of the materials and is subject to the following restrictions: 1) you must retain, on all copies of the materials downloaded, all copyright and other proprietary notices contained in the materials; and 2) you may not modify the materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose.  You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time.




Online Information Collection

We do not collect any personal information about you at our Site, other than the information you choose to supply to us voluntarily. 


If you do provide us with personal information on this Site, we will not sell, license, transmit or disclose this information outside of BILTIR unless (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us, (3) in order to provide our products or services to you, (4) otherwise as we are required or permitted by law.  We may also use the personal information you choose to provide to us to improve the content of our Site or to contact you as required in order to respond to your requests through our Site.


This Site does not engage in the collection of personally identifiable information about your online activities over time and across third-party websites or online services.  We have not authorized any third party to collect personally identifiable information about your online activities over time and across different web sites when you visit this Site. Thus, this Site does not respond to web browser “do not track” track signals or other similar mechanisms.


We appreciate your questions and comments about our Site and services and welcome your email messages to mailboxes listed on our Sites.  We will share your messages with those within our organization who are most capable of addressing the issues contained in your message.  We will keep a copy of your message until we have had an opportunity to address your concerns. We may archive your message for a certain period of time or discard it, but your email address will not be used for any other purpose.


Confidentiality and Security


Personal Information

As mentioned above, we do not collect personal information about you at our Site.  If you choose to provide this information to us voluntarily via this Site, we restrict access to such personal information to our Corporate Secretary or others who need to know that information to provide services to you or in the course of conducting our normal business operations.  We maintain appropriate physical, electronic, and procedural safeguards to protect such personal information.


Links to Other Sites

For your convenience, we may provide links to other sites that we do not control.  BILTIR is not responsible for the privacy practices of any sites not under our control and we do not endorse any of these sites, the services or products described or offered on such sites, or any of the content contained on those sites.



BILTIR 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 BILTIR, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.



This Site, including all materials, is copyrighted and protected by worldwide copyright, trademark and intellectual property laws and treaty provisions.  You agree to comply with all such laws in your use of this Site and to prevent any unauthorized copying of the materials.  No part of the materials on this Site, including Site text, graphics and html code, may be reproduced or transmitted in any form by any means without the express written consent of BILTIR.  Except as expressly provided herein, BILTIR does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.



You expressly understand and agree that (1) your use of this Site and the materials provided on this Site are at your sole risk, and (2) the materials may contain inaccuracies and typographical errors.  BILTIR does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed though the Site.  You acknowledge that any reliance on the material or any opinion, advice, statement, memorandum, or information shall be at your sole risk.


BILTIR reserves the right, in its sole discretion to correct any errors or omissions in any portion of the Site.  We use reasonable efforts to provide you with accurate information.  We reserve the right to make corrections and/or changes should this information prove to be inaccurate.  BILTIR may make any other changes to the Site, the materials and the products, programs, services or prices (if any) described in the Site at any time without notice.


This Site, the services, information and materials on the Site, as well as any software made available on the Site, are provided “as is” without any representation or warranty, express or implied, including, but not limited to, warranties of merchantability or fitness for any particular purpose.


Limitation of Liability

You understand and agree that BILTIR will not be liable for any direct, indirect or other damages, costs or loss of products, use, data or other tangible losses, resulting from your use of or inability to use the Site.


Change in Terms of Use & Privacy Policy

We may change this Terms of Use & Privacy Policy at any time and from time to time. The most recent version of the Terms of Use & Privacy Policy is reflected by the version date located at the bottom of this Policy.  This Terms of Use & Privacy Policy is not intended to and does not create any contractual or other legal right in or on behalf of any party.


Contacting us – If you have any questions about this Terms of Use & Privacy Policy, please write to us at:

Bermuda International Long Term Insurers & Reinsurers

P. O. Box HM 2536

Hamilton HM KX


Last Updated:  April, 2016