Conditions of Web site Use

Factory Mutual Insurance Company owns and maintains this Web site. (All references to "FM Global" include Factory Mutual Insurance Company and its affiliates and subsidiaries, including FM Insurance Company Limited which is regulated by the Financial Services Authority in the UK, registered number 755780, Vat number GB 792 427602.) Your use of this Web site is subject to the following terms and conditions of use.

FM Global has the sole and exclusive right to maintain and control this Web site and to make changes to it without prior notice. The material on this Web site is offered strictly for informational purposes; it is provided "as is" and without warranty or representation. FM Global does not warrant or represent that any function will be free of error, interruption, virus, or defect. FM GLOBAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

You are responsible for any damages to your computer equipment or other property arising out of your use of (including downloading any material from) this Web site. FM Global will have no liability to you for damages of any kind, including, but not limited to, direct, indirect, consequential, special, incidental (including loss of profits or damages from lost data or business interruption) or punitive damages that may result from your use of this Web site or any material contained on it. Unless otherwise indicated, all trademarks, service marks, trade names, logos, and icons are the property of FM Global. Without the written consent of FM Global, you may not distribute, modify, transmit, reuse, re-post, link, or use any of the material of our Web site for a public or commercial purpose.

The information contained on this Web site is not, and should not be understood to be, an offer to sell any insurance product or service.

This Web site may contain hyperlinks to other Web sites that FM Global does not own or control. FM Global is not responsible for such sites, and our hyperlinks to them do not imply our approval or endorsement.

FM Global's Privacy Statement also applies to use of this Web site.