Terms Governing Your Use of Our Website

Website Purpose

The Codino Insurance website provides information about our insurance products, services, risk management resources, educational materials, and business solutions. The information provided is intended to help users understand our services and make informed decisions. Website content does not constitute personalised insurance, legal, financial, or professional advice.

Accuracy of Information

We make reasonable efforts to ensure that information published on our website is accurate, current, and reliable. However:

• Information may change periodically
• Products and services may vary by jurisdiction
• Policy terms and conditions apply to all insurance arrangements
• Specific advice should be obtained before making insurance decisions

Codino Insurance does not guarantee that all website information will always be complete, current, or free from errors.

Insurance Products and Services

Information relating to insurance products, including:

• Commercial Insurance
• ERM Insurance
• ESG Insurance
• Financial Guarantee Bond (FGB)
• Claims services
• Risk management solutions

is provided for general information purposes. Actual coverage, eligibility, exclusions, limits, obligations, and conditions are determined by applicable policy documents, contracts, and agreements.

Responsible Website Use

Users agree to use this website responsibly and must not:

• Use the website for unlawful purposes
• Attempt unauthorised access to website systems
• Introduce malicious software or harmful code
• Interfere with website operations
• Copy or misuse website content without permission
• Misrepresent information submitted through website forms

We reserve the right to restrict access where misuse is identified.

Ownership of Website Content

Unless otherwise stated, all content on this website, including:

• Text
• Graphics
• Logos
• Designs
• Branding
• Documents
• Educational materials
• Digital resources

is owned by or licensed to Codino Insurance. Content may not be reproduced, modified, distributed, or used commercially without prior written permission.

External Resources

Our website may include links to external websites, services, or resources provided by third parties. These links are provided for convenience and information purposes only. Codino Insurance does not control or endorse third-party websites and is not responsible for their:

• Content
• Availability
• Security
• Privacy practices
• Terms and conditions

Users should review third-party terms before using external services.

Limitation of Liability

To the extent permitted by applicable law, Codino Insurance is not responsible for losses arising from:

• Reliance on general website information
• Website interruptions
• External links or third-party services
• Unauthorised access beyond reasonable security measures
• Decisions made without obtaining appropriate professional advice

Insurance products and services remain subject to their applicable terms, conditions, and contractual agreements.

Personal Information

Your use of this website is also subject to our Privacy Policy. The Privacy Policy explains how Codino Insurance collects, uses, stores, and protects personal information.

Updates to Terms of Use

Codino Insurance may update these Terms of Use from time to time to reflect:

• Changes to our services
• Legal or regulatory requirements
• Improvements to our website
• Changes in business practices

Updated terms will be published on this page.

Applicable Law

These Terms of Use are governed by applicable laws and regulations relevant to the jurisdiction in which Codino Insurance operates. Where required, specific jurisdictional terms may apply to particular products, services, or users.