This website (the "Website") is provided by Hannover Rück SE and affiliated companies (collectively "Hannover Re"). By entering the Website, the user agrees to abide by the following terms and conditions of use. Hannover Re reserves the right to modify or amend these terms and conditions at any time.


Hannover Re has used its best judgement and efforts in compiling information for the Website. Some of the statements on this website are based on currently available information. Naturally, such statements are subject to risks and uncertainties. Factors such as the overall economic development, future market conditions, unusual catastrophic loss events, changes in the capital markets as well as other circumstances may cause the actual events to be materially different from those anticipated. As such, Hannover Re and its affiliate companies do not assume any responsibility for the accuracy, completeness or timeliness of such statements. Likewise, in no event shall Hannover Re and its affiliate companies be liable for any decision made and action taken in conjunction with the statements on this site or for any related damages. Furthermore, Hannover Re cannot be held liable for any loss or damage caused by any virus or similar as a result of use of the Website.

Internet Links

The Website contains certain hyperlinks which enables the user to leave the Website and enter third party websites. Hannover Re has no control or influence over the contents of third party websites and as such accepts no liability for the contents of any linked third party website.


The texts contained on this website, the sound, animation and video files, the layout as well as the graphic works are copyrighted and subject to other intellectual property laws. Some of the contents and images on this website are subject to the copyrights of third parties. This website does not grant the user any licences or any other rights related to the intellectual property displayed on this site, save where explicitly stated otherwise. It may only be reproduced, changed or used for any other purpose given the express consent of Hannover Re and further authorised parties. Unless explicitly stated otherwise in particular cases, the information contained on this website may only be printed or downloaded for personal and non-commercial use.


"Hannover Rück" and various other trade names of affiliates are trademarks protected in various jurisdictions. Other product names referred to on the Website may also be protected trademarks.

Data Protection

When the user accesses the Website, possible identification data and other information may be recorded. Hannover Re will treat such information in the strictest confidence and reserves the right to use such information for statistical purposes only. If the user sends Hannover Re an e-mail, Hannover Re will only use the user's address for correspondence and in responding to the user's request.


If any clause or provision of these terms and conditions is adjudged by a competent court of law to be invalid, the remaining terms and conditions shall remain in full force and effect.

Governing Law and Jurisdiction

These terms and conditions shall be construed in accordance with the laws of the Federal Republic of Germany. The courts of Hannover shall have jurisdiction to determine any dispute relating to these terms and conditions and use of the Website.