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ITUS GmbH

Insurance broker
Karlsruher Str. 88
D-76139 Karlsruhe

Phone: + 49 (0) 721 / 96 234 - 0
Fax: + 49 (0) 721 / 96 234 - 44
Mail:   info@itusgmbh.com
www.itusgmbh.com


TERMS AND CONDITIONS OF USE

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING OR OBTAINING ANY MATERIALS, INFORMATION, OR SERVICES THROUGH THIS SITE. ITUS ("we" or "us") provides access to and use of this site ("Website") subject to your acceptance of these terms and conditions ("Terms"). By accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, "Content") through this Website, you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this Website and cease your current access.

 

LICENSING

ITUS's subsidiaries are licensed as insurance brokers in Germany. This Website is not intended as a solicitation for insurance in any state or province where ITUS or its subsidiaries are not licensed.

 

OWNERSHIP

ITUS and its content providers ("Providers") own and have copyrights on this Website and all of the Content, which is protected by German and International copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of ITUS.

Trademarks, logos, and service marks displayed on this Website ("Marks") are the registered or common law Marks of ITUS or its Providers. Your use of and access to this Website does not grant you any license or right to use any of the Marks. You may not use any technological means such as robots, spiders, or other devices to monitor materials available through this Website.

 

USE

By using this Website you warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. If you less than 18 years of age you may not use this Website and you must leave immediately. You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Website.

You may not use this Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Website or take any action that imposes an unreasonable load on ITUS's computer equipment.

You may not use this Website for any commercial, financial or other similar purpose without the express prior written consent of ITUS.

Finally, you may not use this Website for any purpose that is unlawful or otherwise prohibited by these Terms.

ITUS reserves the right, at any time and without advance notice or liability, to terminate your access to this Website or any component therein.

 

PRIVACY

Your use of this Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.

 

CO-BRANDED AREAS

In order to provide a greater breadth of services, certain functions provided on this Website are outsourced to third parties. Specifically, ITUS has contracted with a third party to help improve our technical services and operations as well as provide additional business services to our visitors. Certain pages in this Website, therefore, are operated and controlled by a third party ("Co-Branded Areas"). These Co-Branded Areas continue to display ITUS's trademarked logo at the top of the page but are nonetheless operated and managed by a third party. These Terms, in conjunction with any further terms and conditions posted in the Co-Branded Areas, govern your access and use of those areas. In all other respects, access to the Co-Branded Areas is at your own risk.

Links. This Website may contain links to other sites on the World Wide Web, other than the Co-Branded Areas. Links to outside sites do not constitute or imply endorsement by ITUS of the linked site or any material contained within, and we are not responsible or liable for the information contained, or any products or services offered, on such other sites. Access to these sites is at your own risk.

 

PRODUCTS/QUOTATIONS

Under no circumstances should you regard any information you may access in this Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through this Website does not constitute a binder of insurance coverage or the reporting of a claim. The application may be used by ITUS to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Website visitors must carefully review their own insurance policies and consult with their insurance advisors.

 

DISCLAIMER OF WARRANTIES

ITUS AND ITS PROVIDERS MAKE NO WARRANTY OF ANY KIND REGARDING THIS WEBSITE AND/OR THE CONTENT. THIS WEBSITE AND CONTENT ARE PROVIDED "AS-IS". ITUS EXPRESSLY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THIS WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED. ITUS FURTHER DISCLAIMS ANY WARRANTY AS TO THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF ANY OF THE CONTENT ON THIS WEBSITE, AND FURTHER EXPRESSLY DISCLAIMS LIABILITY RESULTING FROM OR ARISING OUT OF ANY ERRORS OR OMISSIONS CONTAINED IN THE INFORMATION OR MATERIALS ACCESSED ON OR THROUGH THIS WEBSITE. ITUS AND ITS PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS WARRANTY DISCLAIMER MAY NOT APPLY IN WHOLE OR IN PART TO YOU.

 

LIMITATION OF LIABILITY

ITUS AND ITS PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR (A) ANY DAMAGES TO OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS THE RESULT OF YOUR ACCESS TO, USE OF OR BROWSING IN THIS WEBSITE OR YOUR DOWNLOADING OF ANY CONTENT OR (B) ANY INJURY, LOSS, CLAIM, DAMAGE, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, THAT ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH (i) ANY USE OF THIS WEBSITE OR THE CONTENT FOUND THEREIN, (ii) ANY FAILURE OR DELAY (INCLUDING WITHOUT LIMITATION THE USE OF OR INABILITY TO USE ANY COMPONENT OF THIS WEBSITE TO SUBMIT APPLICATIONS FOR INSURANCE PRODUCTS OR SERVICES), OR (iii) THE PERFORMANCE OR NON-PERFORMANCE BY US OR ANY PROVIDER, EVEN IF WE HAVE BEEN, OR A PROVIDER HAS BEEN ADVISED, OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION.

 

CAUTIONARY STATEMENT ON FORWARD-LOOKING STATEMENTS

This Website contains press releases and other written statements issued by ITUS and may include forward-looking statements which reflect the current views of ITUS with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and other factors that could cause actual results to differ materially from such statements. The words "believe," "expect," "anticipate," "project," "plan," and similar expressions identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of their dates. ITUS undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

 

MISCELLANEOUS

These Terms are governed by the laws of the Federal Republic of Germany, excepting its conflicts of law principles. Any dispute arising out of this Website shall be subject to the exclusive venue of a court of competent jurisdiction in Karlsruhe, Germany. The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by ITUS to act with respect to you or another person's breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and ITUS relating to your use of the site and replaces any prior oral or written understandings or agreements.

 

REVISIONS

ITUS reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the "Terms and Conditions" link on this Website's home page. Any material changes to the Terms will be brought to your attention when you next visit this Website. In addition, the last time these Terms were revised is set forth below. If the date displayed is later in time than your last visit, you must re-read these Terms. Your continued use of this Website after the date of the last revision indicates your acceptance of any revisions.


PRIVACY NOTICE

This privacy notice describes how ITUS generally handles personal information collected through www.itusgmbh.com and other websites controlled by ITUS. This privacy notice may be revised from time to time to reflect changes in law or changes in ITUS’ business operation. This privacy notice was last updated on 4 November 2015.

 

1.      SCOPE OF THIS PRIVACY NOTICE

This privacy notice only applies to itusgroup.com and any other website of ITUS where a link to this privacy notice is provided. These websites are controlled by the Group IT function of the ITUS Group (“ITUS”), a company incorporated in the Federal Republic of Germany.

Websites and specific web pages linked from itusgroup.com may be subject to separate terms of use (including separate privacy notices). You must not provide personal information if you do not accept such terms of use.

Where links from itusgroup.com are provided to non-ITUS websites, ITUS is not responsible for those websites. These third-party websites will be governed by different terms of use (including privacy notices) and you are solely responsible for viewing and using each such website in accordance with the applicable terms of use. ITUS is not responsible for how your personal information is handled by such third-party websites.

 

2.     ITUS WEBSITE

Itusgmbh.com and other ITUS websites to which this privacy notice apply (including our web-based client and carrier tools and our job application portal) are hosted in Germany. If you are located outside Germany, your provision of personal information or other access to or use of our websites result in your personal information being transmitted to Germany, a jurisdiction where the laws protecting personal information may not be equivalent to the laws of your own country.

ITUS maintains appropriate technical and organizational security measures to protect the security and confidentiality of your personal information. Despite this, the security of the transmission of information via the Internet cannot always be guaranteed, and you acknowledge this in your access and use of our websites.

 

3.     INFORMATION WE MAY COLLECT FROM YOU

The information we may collect through our websites includes:

1.        your name, address, occupation and other contact information;

2.       information regarding your dealings with us;

3.       any interest you have in relation to our services or our practice areas (including job openings);

4.       any information you may voluntarily submit to us by completing any form on our websites; and

5.        details of your visits to and usage of our website including the date and time of your visit, the internet address from which you visited and the resources on our website that you viewed.


We may collect the information in various ways:

 6.       from any form you may complete and submit through our websites, for example information collected from the “Contact Us” page of our website;

7.        from the content of surveys that you may complete on our website;

8.       from ‘cookies’ and other similar tools deployed on our ;

9.       when you provide information as a client in connection with us providing professional services to you. Such information may be collected through itusgroup.com when clients access ITUS client links within this website. Access will be subject to the terms of business we have with clients and any additional terms and conditions of use attached to those sites; and

 

4.     WHAT WE MAY DO WITH YOUR PERSONAL INFORMATION

We may use information held about you in the following ways and for purposes specified in the relevant parts of the website:

1.        to facilitate your participation in interactive features you may choose to use on our websites;

2.       to correspond with you, notify you of events or changes to our service, or otherwise to respond to your queries and requests for information, which may include marketing to you; and

3.       for the purposes of providing professional services to you via ITUS applications; such services will be subject to additional terms and conditions of use including privacy.

 

5.     DISCLOSURE OF YOUR INFORMATION

ITUS may disclose your personal information to any company affiliated or associated with ITUS for the uses and purposes set out above. We may disclose your personal information to independent third parties:

1.        if we are obliged to disclose your personal information under applicable law or regulation, or in order to enforce or apply our website terms of use, or to protect the rights of ITUS, our clients, or other parties;

2.       in accordance with the separate terms and conditions of use that may attach to ITUS website links; and

3.       where this is necessary for the uses and purposes set out above (for example, where some aspects of our websites’ operations are outsourced to a third-party service provider).

 

6.     COOKIES AND INFORMATION COLLECTED FROM YOUR COMPUTER

When you visit our website, our server may record your IP address for the purposes of systems administration. In most cases, your IP address is not linked to any of your personal information, but in limited circumstances (e.g. if you log into restricted parts of our website), your IP address can be linked to your personal information. ITUS may also gather other non-personal information from you (from which ITUS cannot identify you), such as the type of your internet browser, which ITUS uses to provide you with a more effective service.

Additionally, when you visit our websites, ITUS may store a ‘cookie’ on the hard drive of your computer. Cookies are small text files that a website transfers to your hard drive to store and sometimes collect information about your usage of websites. You can control the way in which cookies are used by altering your browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org.

You may refuse to accept cookies by activating the setting on your browser that allows you to reject cookies. However, if you select such a setting, this may affect the functioning of our websites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you access or log on to our websites.

Please note that our websites do not recognize or respond to any signal which your browser might transmit through the so-called ‘Do Not Track’ feature your browser might have. Enabling such feature on your browser will not necessarily affect the way in which our websites operate, and if you wish to disable cookies on our websites, you should not rely on any ‘Do Not Track’ feature your browser might have.

 

7.     SECURITY

ITUS maintains appropriate technical and organizational security measures to protect the security of your data against loss, misuse, unauthorized access, disclosure or alteration. Despite this, the security of the transmission of information via the Internet cannot always be guaranteed and you acknowledge this in your access and use of our websites.

 

8.     CHANGES TO OUR PRIVACY POLICY

From time to time, we may change our privacy notice and post those changes to our website located at www.ITUSgmbh.com. The effective date of this privacy notice, as indicated at the beginning of this privacy notice, indicates the last time this privacy notice was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy. We will notify you of changes to this privacy notice by posting the revised privacy notice on our website.

 

9.     CONTACT

If you have any question or comment regarding ITUS’ use of personal information you provided through our websites, please contact us.