Terms of Use
15 October 2022
By accessing the Ensemble Consultants sites and any page thereof, you agree to be bound by these terms of use and to comply with any applicable laws and regulations. If you do not agree to these Terms of Use, do not proceed to further pages of this Ensemble Consultants site.
Ensemble Consultants reserves the right to vary or amend these Terms of Use at any time and Ensemble Consultants is under no obligation to inform you about such variations or amendments. The most recent version of the Terms of Use will govern the services on Ensemble Consultants sites and will always be available on the Ensemble Consultants sites. By continuing to access or use this Ensemble Consultants site after any changes become effective, you agree to be bound by the revised Terms of Use. Please visit these Terms of Use on a regular basis to ensure that you have read the latest version. These Terms of Use were updated the last time on the date indicated at the end of the Terms of Use.
The headings used for each of the paragraphs of these Terms of Use do not affect its interpretation. The reference to a “person” is a reference to an individual, a body corporate and an unincorporated association of persons. “You” means a user of Ensemble Consultants sites. “We” means Ensemble Consultants.
For the purpose of these Terms of Use, “Content” means any text, written work, software, database, format, graphic, image, photo, video clip, podcast, listing or any other information or material which appears on or forms part of an Ensemble Consultants site.
Local access restrictions and additional local information
Ensemble Consultants sites and all Content and functionality contained within them are not directed to or intended for use by any person resident or located in any country where the distribution of such Content or functionality is contrary to the laws, rules or regulations of such country. The same applies to any person resident or located in any country where such distribution is prohibited without obtaining the necessary licenses or authorizations and such licenses or authorizations have not been obtained. If any such local access restriction applies to you, you are not authorized to access the relevant Ensemble Consultants site or use any of the Content on it.
Ensemble Consultants is a consulting firm active in crisis management, risk management, litigation, insurance and reinsurance business with clients and service providers in many countries. Ensemble Consultants representatives in particular countries may be subject to additional or different laws, rules, regulations and/or supervisory standards. Please note that, in addition to these Terms of Use, Ensemble Consultants sites may include legal information specific to one or several countries. Such information may, in particular, include corporate and contact information, local licensing information or other local disclosure requirements. Such information shall not be construed or interpreted as being an advice on such matters and may not be relied on.
Company information and website operation
Ensemble Consultants sites include Content relating to Ensemble Consultants and its businesses. Ensemble Consultants sites are provided by Ensemble Consultants ltd, a limited liability company (Еднолично дружество с ограничена отговорност - ЕООД) incorporated under the laws of Bulgaria with registered and principal office in Varna, Bulgaria and registered under the number BG-206709252 in the Commercial Register of the Republic of Bulgaria.
Ensemble Consultants sites are operated on platforms (the “Platforms”, each a "Platform") of a single service provider, (the “Service Provider”) : Wix Online Platforms Limited, 1 Grant's Row, Dublin 2 D02HX96. The Service Provider has servers all over the world. The Service Provider owns all right, title, and interest to all software, products, works, and other intellectual property created, used, or provided by such Service Provider including, but not limited to, the Platform and any other part of the Services. Ensemble Consultants sites may include various functionalities, including, but not limited to, log-in, commenting, posting, uploading, sharing subscription, RSS, ordering, downloading and printing functionalities. Certain functionalities of Ensemble Consultants sites may not work unless you have installed appropriate software on your local station. It is the sole responsibility of each user to install the necessary software in order to effectively use Ensemble Consultants sites.
Services and solutions
Ensemble Consultants makes no guarantee, representation or warranty that all services and solutions described on Ensemble Consultants sites are appropriate or available for use in your country. Some services or solutions may not be available in all countries where Ensemble Consultants has business activities. Furthermore, some services or solutions may only be available to certain categories of persons. Therefore, please read carefully the relevant description on the respective Ensemble Consultants site or request further information about the relevant service or solution.
Content available on Ensemble Consultants sites has no regard to the specific objectives, financial situation or particular needs of any specific recipient. Ensemble Consultants does not guarantee, represent or warrant that any services or solutions discussed on Ensemble Consultants sites are suitable for any individual or corporate recipient. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of Content, nor is Content a complete statement of the services or solutions, markets or developments referred to therein. Content should not be regarded by recipients as a substitute for the exercise of their judgment. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or members of Ensemble Consultants as a result of using different assumptions and criteria. Ensemble Consultants is not under any obligation to update or keep current the information about services and solutions contained on Ensemble Consultants sites.
No offer
Content contained on Ensemble Consultants sites is just for information purposes. The information is subject to, and must be read in conjunction with, all other publicly available information published by Ensemble Consultants. No Content available on an Ensemble Consultants site constitutes a solicitation, an offer, or a recommendation to buy any services or solutions, to effect any transactions or to conclude any legal act of any kind whatsoever. You or your company may not rely on Content on an Ensemble Consultants site for making any decision relating to services or solutions of Ensemble Consultants.
In making Content available, Ensemble Consultants gives no advice and makes no recommendation to buy, sell or otherwise deal in its shares, or in any other securities or investments whatsoever. The Content does not constitute or form part of, and should not be construed as, an offer for sale or subscription of, or solicitation of any offer or invitation to subscribe for, underwrite or otherwise acquire or dispose of any securities of Ensemble Consultants and it does not constitute an invitation or inducement to engage in investment activity under section 21 of the UK Financial Services and Markets Act 2000. None of the Ensemble Consultants securities have been, or will be, registered under the US Securities Act of 1933, as amended (the "Act"), and such securities may not be offered or sold in the United States except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Act and in compliance with state securities laws. The Content does not constitute an invitation to effect any transaction with, or to make use of any services provided by, Ensemble Consultants. Statements in Content as to historical performance or historical share price are not intended to mean that future performance or historical share price for any period will necessarily match or exceed those of any prior year. Nothing in Content should be construed as a profit forecast. The information and opinions are subject to change without notice.
Ensemble Consultants does not intend to provide legal or tax advice through any Ensemble Consultants site.
Storytelling, personal opinions and pictures
Ensemble Consultants sites may include stories about reinsurance or insurance related topics (e.g. climate change). The stories may be incomplete or not entirely correct in a scientific sense. Furthermore, Ensemble Consultants sites may include personal opinions that are provocative and arguable. Such personal opinions are based on the author’s interpretation of information available at the given time and do not necessarily reflect the view of Ensemble Consultants. Moreover, Ensemble Consultants sites may include pictures that may be understood by users as not entirely appropriate in a particular context. The use of a picture in a particular context is based on the author’s discretion and does not necessarily reflect the view of Ensemble Consultants.
Ensemble Consultants allows storytelling, personal opinions and pictures on Ensemble Consultants sites. Users must not understand them as statement of facts or review them applying scientific criteria. Ensemble Consultants does not wish and is under no obligation to verify the content of stories or personal opinions or the use of pictures on Ensemble Consultants sites. The liability of Ensemble Consultants for any required accuracy or completeness of stories, the defensibleness of opinions and the appropriateness of the use of pictures shall be excluded to the extent permitted by applicable law, rules and regulations.
Third party statements and quotes
Ensemble Consultants sites may include statements and quotes of third parties relating to Ensemble Consultants and its business operations. Such statements and quotes are generally labeled as information provided by third parties. Ensemble Consultants does not and is under no obligation to verify the content of third party statements or quotes on Ensemble Consultants sites. The liability of Ensemble Consultants for the accuracy or completeness of such third party statements and quotes shall be excluded to the extent permitted by applicable law, rules and regulations.
Event information
Ensemble Consultants sites may include information about future Ensemble Consultants or other events. Such information may not be accurate, for example, if an event is canceled due to an insufficient number of registrations after the event information has been placed on an Ensemble Consultants site. Ensemble Consultants is under no obligation to update or alter its information about future events as a result of new or revised information. Therefore, please verify all event information directly with the event organizer. Ensemble Consultants will not be liable for any costs incurred based on wrong event information on Ensemble Consultants sites.
No warranties
Content contained on Ensemble Consultants sites is provided “as is” and “as available”. Ensemble Consultants, the Service Provider and third party Content providers give no guarantee, representation, warranty or condition, express or implied, statutory or otherwise, as to condition, satisfactory quality, performance, fitness for purpose, non-infringement, merchantability or otherwise in respect of Ensemble Consultants sites or their Content. Without limiting the foregoing, Ensemble Consultants, the Service Provider and third party Content providers do not guarantee, represent or warrant the accuracy, timeliness, completeness, reliability or availability of Ensemble Consultants sites or the information or results obtained from them (whether based on manual access, subscriptions, RSS-feeds or otherwise), or that Ensemble Consultants sites or downloads (e.g. PDF, pictures, podcasts, videos) from Ensemble Consultants sites are virus-free or error-free. All such guarantees, representations, warranties and conditions are excluded, except to the extent that their exclusion is not permitted by applicable laws, rules and regulations. Please also check disclaimers on or in respect of individual Content on Ensemble Consultants sites (e.g. disclaimers on press releases, disclaimers on documents provided by third parties).
Both Ensemble Consultants and the Service Provider (without limiting the foregoing) disclaim all guarantees, representations, warranties and conditions with respect to the operation of the Platform and related software for Ensemble Consultants sites, express or implied, including, but not limited to, the implied guarantees, representations, warranties or conditions of merchantability, fitness for particular purpose and the non-infringement. Ensemble Consultants and the Service Provider disclaim all guarantees, representations, warranties or conditions that the Platform and related software are not interrupted or error free. Ensemble Consultants and the Service Provider disclaim all guarantees, representations, warranties or conditions as to the results that may be obtained from the use of Ensemble Consultants sites.
No liability
Neither Ensemble Consultants, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisers or agents will be liable for any indirect, special, incidental, consequential, punitive or exemplary loss, liability or costs, whether arising from negligence, breach of contract or otherwise and regardless whether the damage was foreseeable or not. Neither Ensemble Consultants, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisers or agents will be liable for any loss of profits, business or data. Neither Ensemble Consultants, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisers or agents will be liable for any damage or loss (especially loss of data, alteration of data, or downtime) that may be caused to any equipment or software due to any viruses, defects or malfunctions in connection with the access or use of any Ensemble Consultants site or downloads from any Ensemble Consultants site (whether based on manual access, subscriptions, RSS-feeds or otherwise).
Intellectual Property Rights
Intellectual Property Rights in the pages of Ensemble Consultants sites and the Content available through them belong to Ensemble Consultants and/or to the Service Provider or other third parties. You do not acquire, by virtue of your use of an Ensemble Consultants site, any rights, title or interest in any of the Intellectual Property Rights in the Content or the Ensemble Consultants site. For the purpose of these Terms of Use, “Intellectual Property Rights” means (i) copyright, patents, database rights and rights in trademarks, designs, know-how and registered or non-registered confidential information; (ii) applications for registration and the right to apply for registration for any of these rights; and (iii) all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world.
Individual pages and/or sections of an Ensemble Consultants site and its Content may be printed or saved for personal or internal use only. Such print-outs or savings, however, must retain all applicable copyright or other proprietary notices. You must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in part any Content obtained from an Ensemble Consultants site without the prior written permission of the owner of the relevant Intellectual Property Rights (whether that be Ensemble Consultants, the Service Provider or another third party). It is prohibited to systematically retrieve Content from any Ensemble Consultants site to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) without written permission from Ensemble Consultants.
The copyright in some Content available on Ensemble Consultants sites belongs to third parties (“Third Party Content”).You must check copyright notices on or in respect of individual Third Party Content.
User Generated Content
You may provide Content to Ensemble Consultants by using relevant functionalities on Ensemble Consultants sites, by logging-in, by e-mail or otherwise ("Submissions"). Furthermore, Ensemble Consultants may invite users to provide Submissions in own or third party surveys or polls and on a particular issue raised. If you provide Submissions to Ensemble Consultants, Ensemble Consultants is entitled, but not in any way obliged, to use and make available all or parts of your unmodified or modified Submissions on any Ensemble Consultants site. Ensemble Consultants will not mention your name or contact details, unless you have agreed and you have logged in with an identified account. If you provide Submissions to Ensemble Consultants, you grant Ensemble Consultants all necessary rights, if any, or license to use, reproduce, distribute, modify, and publicly display your Submissions on any Ensemble Consultants site for an unlimited period of time.
By communicating a Submission, you guarantee, represent and warrant that the Submission complies with applicable laws, rules and regulations and in particular:
• Is legal, decent and truthful and not defamatory, unreliable, misleading or otherwise objectionable;
• That you own or have the necessary rights, licenses, consents and permissions, without the need for any permission from or payment to any other person or entity, to exploit, and to authorize Ensemble Consultants to exploit, such Submission in all manners contemplated by these Terms of Use;
• Does not harm others, in particular minors, or infringe their personal rights.
Users must not provide Submissions which:
• Contain a virus, so-called Trojan Horse, or any other program that could damage data;
• Amount to advertising material or unsolicited (so-called "spam") material;
• Contain inaccurate warnings of viruses, defects or similar material;
• Solicit or requests participation in any lottery, snowball system, chain letter, pyramid game or similar activity.
You hereby agree to indemnify, defend, and hold Ensemble Consultants harmless from and against any and all losses, damages, liabilities and costs (including settlement costs and any legal or other fees and expenses for investigating or defending any actions or threatened actions) incurred by Ensemble Consultants in connection with any claim arising out of any breach by you of these Terms of Use or claims arising from your use of Ensemble Consultants sites. You shall use your best efforts to cooperate with Ensemble Consultants in the defense of any claim. We reserve the right, at our own expense, to employ separate counsel and assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
Ensemble Consultants may deny you access to Ensemble Consultants sites at any time, in particular if you breach any of the above provisions.
Contacting users
If you subscribe to mailing services, provide comments or otherwise communicate with Ensemble Consultants through an Ensemble Consultants site or e-mails provided on an Ensemble Consultants site, you may be requested to provide your contact details, in particular your e-mail address. By providing your contact details you expressly agree that Ensemble Consultants retains your contact information and may contact you, in particular for the following reasons: requesting clarifications or additional comments; sending Ensemble Consultants publications; sending information about Ensemble Consultants events; asking for your participation in surveys or polls; sending information about services and solutions or other marketing information of Ensemble Consultants. However, Ensemble Consultants will not send out mass unsolicited e-mails or mails.
You may when first contacting Ensemble Consultants or at any time thereafter inform Ensemble Consultants that you would rather not receive any information or certain information (e.g. promotion material) from Ensemble Consultants. You may inform Ensemble Consultants through the general contact functionality provided on any Ensemble Consultants site.
Links to and Feeds from External Websites
From certain Ensemble Consultants sites you are able to obtain access to websites operated by third parties (“External Websites”) by means of links or RSS functionality. External Websites are not monitored or managed by Ensemble Consultants and we do not endorse or accept any responsibility for their content or operation. You access External Websites at your own risk. Ensemble Consultants does not accept any responsibility for any damage or loss you may suffer arising out of access to External Websites, including, but not limited to, damage or loss arising from your use of documents or other information found on External Websites.
Website Privacy
Our Privacy Policy Statement is available on each Ensemble Consultants site. You understand that your use of an Ensemble Consultants site will result in our processing of personal data that you provide. The Privacy Policy Statement sets out the basis on which we will use personal data. By using an Ensemble Consultants site, you are deemed to agree with the terms of the Privacy Policy Statement. In performing your obligations under these Terms of Use, you commit to comply with applicable data protection laws.
General provisions
If a provision of these Terms of Use is or becomes illegal, invalid or unenforceable in any country, that will not affect the legality, validity or enforceability in that country of any other provision or in other jurisdictions of that or any other provisions of these Terms of Use.
Certain pages or areas on Ensemble Consultants sites may contain additional terms, conditions, disclosures or disclaimers (“Additional Terms”). In the event of a conflict between these Terms of Use and the Additional Terms, the Additional Terms will govern for those pages or areas.
Ensemble Consultants' rights under these Terms of Use may be exercised as often as necessary. They are cumulative and not exclusive of rights or remedies provided by law, rules and regulations. They may be waived only in writing and specifically. Delay in the exercise or non-exercise of any such right is not a waiver of that right. An express or implied waiver of any of the provisions or of any breach of or default in performing any of the provisions of these Terms of Use will not constitute a continuing waiver and that waiver will not prevent the waiving party from subsequently enforcing any of the provisions of these Terms of Use not waived or from acting on any subsequent breach of or default by the other party under any of the provisions of these Terms of Use.
Any notice or other communication given under or in connection with these Terms of Use will be in English. All other documents provided under or in connection with these Terms of Use will be in English. A document in another language must be accompanied by a certified English translation. In such a situation the English translation will prevail, unless the document is a statutory or other official document.
Governing law / place of jurisdiction
These Terms of Use shall be governed by and interpreted in accordance with Bulgarian law and we and you each submit irrevocably to the exclusive jurisdiction of the competent courts of Bulgaria.
Contact
If you have any questions relating to these Terms of Use, please contact us using the general contact functionality provided on any Ensemble Consultants site.