When you create your Isaac Re Account, take part in an investment, initiate a transaction or similar activities, you may be required to provide personally identifiable information such as your full legal name, address, telephone number, tax identification number (i.e., Social Security Number or Employer Identification Number), e-mail address, financial professional service provider, banking account information, and/or those of the business, corporation or other entity of which you may be an owner, employee, agent or representative. You may also have to provide certain documents (e.g., tax returns) to verify your status an “accredited investor,” as such term is defined pursuant to Rule 501(a) of Regulation D of the Securities Act of 1933.
By voluntarily providing us with personally identifiable data, you are consenting to our use of it in accordance with this Policy. If you provide personally identifiable data to us via the Website, e-mail, telephone or other electronic means, you acknowledge and agree that such data may be transferred from your current location to the offices and servers of Isaac Re and/or any third party service providers authorized by Isaac Re, which may be located in the United States or other countries.
Third parties, such as credit rating agencies, may provide us with information on you. We will obtain a credit score for any business, corporation or other entity interested in becoming an investor only with the permission of an authorized representative or agent of the entity. We may also obtain additional commercially available information from third parties or public sources.
We may collect additional user behavior information during your use of the Website. Such information includes, but is not limited to:
Any of the information we collect from you may be used in one or more of the following ways:
Note: If you would like to unsubscribe from receiving e-mails at any time, please follow the “unsubscribe” instructions in any e-mail message or send us e-mail to email@example.com.
The personally identifiable information that you provide and that we collect will be stored and maintained by Isaac Re for so long as we, in our sole discretion, believe is necessary or appropriate (a) to carry out the purpose(s) for which such information was collected, in accordance with this Policy, or (b) to comply with applicable laws, contracts or other rules or regulations. When you contact Isaac Re, we may keep a record of your communication to help solve any issues you might be facing.
If you register for an Isaac Re Account, the personal information that you provide and that we collect will be stored and maintained by Isaac Re for as long as you maintain an active Isaac Re Account and for as long thereafter as may be required by any applicable law or regulation.
Upon our collection of your personally identifiable information, Isaac Re may use such personally identifiable information internally, separately or in combination with pre-existing information, for the purposes below. Such uses may be performed by Isaac Re directly or on Isaac Re’s behalf by our third party service providers. We will ask for your consent before using information for any purpose other than those described here:
When showing or providing you with tailored content, we will not associate a cookie or anonymous identifier with sensitive categories, such as those based on race, religion, sexual orientation or health. We may combine personal information about you received from several sources in order to tailor the content you may access and/or receive.
We use various technologies to collect and store personal and non-personally identifiable information when you use the Website. This may include sending one or more cookies or anonymous identifiers to your computer or mobile device, including “web beacons,” clear GIFs, pixel tags and other means. “Cookies” are small files that a website or its service provider transfers to your computer or mobile device through your Internet browser when you visit a website that enable the website’s or service provider’s system to recognize your browser and capture and remember certain information. “Pixel tags” are not visible to a user of a website and consist of a few lines of computer coding delivered with the web pages accessed. Isaac Re may use such technologies or similar technologies to obtain non-personal information from you as an online visitor.
Most browsers accept Cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. Generally, information in your browser’s “Help” section of the toolbar, or on the website of the browser designer or vendor, will explain how to turn off or modify your browser’s settings regarding Cookies. Please note that without Cookies, you may not be able to take full advantage of all of the Website’s features.
We may share information gathered using Cookies and Pixel Tags with third-party service providers to assist us in better understanding and delivering services to our site visitors.
As a user of the Website and your Isaac Re Account, you are solely responsible for maintaining the secrecy and confidentiality of your password and other account information and should take steps to protect them from misuse. You are solely responsible for all actions or activities that occur on the Website or any Isaac Re server, computer, system, network, cloud or software connected to or through the website that is performed on or through your Isaac Re Account during the time your user ID and password are logged in to the Website, whether or not expressly authorized by you. You and we acknowledge and agree that we have no duty to inquire as to the authority or propriety of any instructions given to or input on the Website or your Isaac Re Account using your ID and password or other security data or credentials and that we are entitled to act upon any such instructions or input without liability to you.
Although we strive to develop and maintain adequate safeguards designed to protect personal information, please be aware that no security measures are completely secure or impenetrable. We cannot guarantee that only authorized persons will view your information or that information you share on the Website or via e-mail or other electronic communication with Isaac Re will not become publicly available or intercepted by third parties. By your continued use of the Website, you acknowledge and agree that Isaac Re and its service providers will not be liable for any harm or damage you may experience by transmitting or submitting personal or confidential information to Isaac Re by e-mail or other electronic communications or via the Website.
If you become aware of any unauthorized use of, loss or theft of your username, password, or other account information or credentials, you should immediately inform us at firstname.lastname@example.org.
We will not trade, sell or share your personal information with or to any third party except in the following circumstances:
You and we acknowledge and agree that Isaac Re shall have no liability to you or any other person for, or resulting from, any acts or omissions by any agent, representative or third-party service provider whom you may at any time delegate, or who is acting on your behalf, while such person is using your Isaac Re Account. You hereby agree to indemnify, save and hold harmless Isaac Re, its affiliates and subsidiaries and its and their respective successors, assigns, shareholders, partners, members, officers, directors, managers, licensors, independent contractors, consultants, employees and advisors in their individual and representative capacities from and against any suit, action, claim, demand, penalty or loss, including reasonable attorneys’ fees and expenses and any amount paid in settlement to a third party, brought by or resulting from any third party (including any government agency or body) due to, in connection with or arising out of any such act or omission by your agent, representative or third-party service provider while such person is using your Isaac Re Account, regardless of whether the specific use was authorized by you.
We attempt to keep your files complete, up-to-date, and accurate. We offer several ways for you to update your personal information or notify us about information needing correction:
We reserve the right to deny access to your personally identifiable information (a) when such denial of access is required by law, (b) when granting you access is reasonably likely to negatively impact other people's privacy, (c) to protect our rights and property and (d) when such requests are frivolous or made for fraudulent purposes or in bad faith.
The Website is intended for persons 18 years of age and older. We do not knowingly collect personal information from persons under 18 years of age. Accordingly, the provisions of the Children’s Online Privacy Protection Act do not apply to the Website.
The data and privacy protection applicable or available to your personal information may differ from the protections required by the laws of certain countries or territories, such as the European Union. We make no claims that the Website or any of its contents may be downloaded or accessed outside of the United States or are appropriate for or comply with the laws of any other country or territory. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your country. You may not use or export any content of the Website in violation of U.S. export laws and regulations or any other U.S. or foreign statutes, rules or regulations, or international treaties.
We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information under our control. However, please note that transmissions via the Internet, telephone, e-mail, mobile networks and other electronic means are never completely private or secure. You acknowledge that (i) any messages or personal information you send to us or the Website, including by e-mail, may be read or intercepted by third parties and (ii) in the unlikely event of a security breach, the servers containing your information could become accessible. If you have any questions about the security of personally identifiable information we collect, please contact us at email@example.com.
We use secure technology to encrypt your personal information such as user IDs, passwords and account information over the Internet. Any information we send you is encrypted en route and decoded once it reaches your browser. Also, when you submit information through an online form, we’ll encrypt it to help keep your information secure. To the extent such technology is utilized on a given page, you may be unable to use certain account or customization features of the Website unless your web browser software supports such encryption. Please note that no technology can be considered completely secure or impenetrable and Internet protocols and other public and/or proprietary technology used or accessed by the Website may be vulnerable to exploitation or compromise by persons engaged in criminal conduct. We and you each acknowledge and agree that we shall have no liability to you for any such exploitation or criminal conduct by third parties.
You acknowledge and agree that all rights not otherwise expressly granted to you by this Policy are reserved to Isaac Re. This Policy which is hereby incorporated by referenced herein in their entirety, constitutes the sole and entire agreement between you and us with respect to the subject matter hereof and thereof and supersedes all other prior or contemporaneous negotiations, discussions, agreements, understandings, representations and warranties, both written and oral, between you and us with respect to such subject matter. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Isaac Re as a result of this Policy or any use of the Website. The failure of Isaac Re to exercise or enforce any right or provision of this Policy shall not constitute a waiver of such right or provision. If any provision of this Policy is found by a court of competent jurisdiction to be invalid, void, unlawful or unenforceable, the Parties agree that the court should give effect to the Parties' intentions as reflected in such provision, and the other provisions of this Policy shall remain in full force and effect. The section titles in this Policy are for convenience only and have no legal or contractual effect. Neither the course of conduct between you and Isaac Re nor trade or industry practice shall serve to modify or waive any provision of the Policy. For purposes of this Policy, the terms “include,” “includes,” “including,” “such as” and “for example,” shall be construed as if each term were followed by the words, “without limitation.” Except where context requires otherwise, use of the singular form of any noun includes the plural, use of the plural includes the singular, and use of any masculine, feminine or neutral pronoun includes any other gender.
As noted above, we will retain your information for as long as your Isaac Re Account is active or as needed to provide you services or as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If you wish to cancel your Isaac Re Account or request that we no longer use your information to provide you services, contact us in accordance with the contact information above.
This Policy and all disputes, claims or controversies (whether in tort, contract or otherwise) arising out of or relating in any way to this Policy, the Website or the Content, the interpretation, validity or performance of this Policy, the rights and obligations of you and us under this Policy or any transaction contemplated by the Website shall be governed by and construed in accordance with the laws of the State of Delaware without regard to the rules or principles of conflict of laws of such State or any other jurisdiction that would permit or require the application of the laws of any other jurisdiction.
We and you each hereby irrevocably and unconditionally consent to submit to the sole and exclusive jurisdiction of the courts of the State of Delaware and of the United States of America located in the State of Delaware, City of Wilmington (the “Delaware Courts”) for any litigation, lawsuit or proceeding between you and us arising out of or relating in any way to this Policy (including any non-contractual claims), the Website, the interpretation, validity or performance of this Policy, the rights and obligations of you and us hereunder or any transaction contemplated by the Website. You and we each waive (give up) any objection to the laying of venue of any such litigation in the Delaware Courts and agree not to plead or claim in any Delaware Court that such litigation brought therein has been brought in an inconvenient forum or that there are indispensable parties to such litigation that are not subject to the jurisdiction of the Delaware Courts. You and we each hereby irrevocably waive any and all rights which you or we, respectively, may have, or may have had, to bring such litigation in or before any other court or tribunal (whether domestic or foreign), or before any similar domestic or foreign authority or body, and agree not to claim or plead any such rights.
WE AND YOU EACH ACKNOWLEDGE AND AGREE THAT ANY CONTROVERSY THAT MAY ARISE UNDER THESE TERMS IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES AND, THEREFORE, EACH PARTY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LEGAL ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS POLICY OR THE WEBSITE AND FOR ANY COUNTERCLAIM THEREIN. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT (I) NO REPRESENTATIVE OF THE OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH THE PARTY WOULD NOT SEEK TO ENFORCE THE FOREGOING WAIVER IN THE EVENT OF A LEGAL ACTION, (II) SUCH PARTY HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III) SUCH PARTY MAKES THIS WAIVER VOLUNTARILY AND (IV) SUCH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS PROVISION.
WE AND YOU EACH AGREE THAT THERE WILL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT, HEARD OR ARBITRATED AS A CLASS ACTION (INCLUDING WITHOUT LIMITATION OPT OUT CLASS ACTIONS OR OPT IN COLLECTIVE CLASS ACTIONS), OR IN A REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL CAPACITY ON BEHALF OF A CLASS OF PERSONS OR THE GENERAL PUBLIC. ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY.
The Website may also contain advertisements or other links to websites that are not controlled or operated by us. This Policy does not apply to such third party websites, and we are not responsible for the content of such websites or the privacy practices of the third parties controlling or operating such websites. We encourage you to request and review the privacy policies of any third parties before disclosing your information such parties or visiting such third party websites. Any links to third party websites or information do not imply that we sponsor, endorse or have reviewed such websites or information.
We support Do Not Track (“DNT”) with respect to your usage of the Website. DNT is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For all the details, including how to turn on Do Not Track, visit donottrack.us.
When you turn on DNT in your browser, we stop collecting the information that allows us to optimize the services and communications we provide you and offer additional Isaac Re products and services that may be of interest to you based on your recent visits to websites that have integrated our buttons or widgets. Specifically, we stop collecting the unique browser cookie that links your browser to your previous visits to these websites.
Third parties may collect personally identifiable information about your online activities over time and across different websites when you use the Website.