1. Introduction

These Terms of Use (“Terms”) govern your use of the websites, platforms, and services provided by Mandarin Re LTD and its affiliated companies (“Mandarin Re”, “we”, “us”, “our”).

By accessing or using our services, you confirm that you have read, understood, and accepted these Terms.

If you do not agree with these Terms, you must discontinue use of the services immediately.

These Terms should be read together with our Privacy Notice and all applicable laws and regulations.

2. Definitions

“Services”

All services, systems, platforms, and information provided by Mandarin Re in connection with insurance and reinsurance operations.

“You” / “Your”

Any client, customer, cedant, broker, contractor, subcontractor, vendor, prospective client, individual, or organization using the Services.

“Website”

mandarinre.com and any related online platform operated by Mandarin Re.

3. Scope of Services

Mandarin Re operates within the insurance and reinsurance ecosystem and provides services to insurers, brokers, reinsurers, retrocessionaires, and business partners.

All information and services are provided for business and informational purposes only and do not constitute binding offers, recommendations, or solicitations unless expressly stated.

We reserve the right to modify, suspend, restrict, or discontinue any part of the Services at any time without prior notice.

4. Eligibility and Authority

By using the Services, you represent and warrant that:

• You have legal capacity to enter into contractual obligations; and

• If acting on behalf of another entity, you are authorized to do so.

5. User Obligations

You agree to:

• Comply with all applicable laws and regulations

• Provide accurate and truthful information

• Use the Services in good faith and for lawful purposes only

You must not:

• Engage in illegal, deceptive, or fraudulent activities

• Disrupt or interfere with the Services

• Attempt unauthorized access to systems or databases

• Upload malicious software or harmful code

• Use the Services in any way that may damage Mandarin Re’s reputation

6. Intellectual Property

All intellectual property rights related to the Website and Services belong to or are licensed to Mandarin Re.

You may not reproduce, distribute, modify, or otherwise use any content without prior written consent.

These Terms do not grant you ownership rights over any part of the Services.

7. Reliance on Information

All information provided through the Services is for general informational purposes only.

Nothing on the Website constitutes professional, financial, legal, or underwriting advice.

We make no guarantees regarding the accuracy, completeness, or reliability of any information provided.

Any reliance on such information is entirely at your own risk.

8. Third-Party Participants

The Services may contain information or involvement from third parties including:

• Cedants

• Brokers

• Reinsurers

• Retrocessionaires

• Loss adjusters

• Professional advisors

Mandarin Re is not responsible for the actions, omissions, or content of any third party.

All dealings with third parties are solely at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Mandarin Re shall not be liable for any loss or damage, including:

• Loss of profits or revenue

• Loss of business opportunities

• Loss of data or reputation

• Business interruptions

• Underwriting-related losses

This limitation applies regardless of whether claims arise in contract, negligence, tort, or otherwise.

10. Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis.

We disclaim all warranties, express or implied, including:

• Merchantability

• Fitness for a particular purpose

• Non-infringement

We do not guarantee uninterrupted, secure, or error-free operation of the Services.

11. Indemnity

You agree to indemnify and hold harmless Mandarin Re, its affiliates, directors, officers, employees, and agents from any liabilities, damages, losses, costs, or expenses arising from:

• Your breach of these Terms

• Misuse of the Services

• Violation of applicable laws or third-party rights

12. Suspension and Termination

We reserve the right to suspend, restrict, or terminate your access to the Services at any time without notice where necessary to:

• Enforce these Terms

• Comply with legal or regulatory obligations

• Protect the interests of Mandarin Re

13. Governing Law

These Terms are governed by the laws of Malaysia.

Any disputes shall fall under the exclusive jurisdiction of the courts of Malaysia, including matters subject to Labuan Financial Services Authority oversight where applicable.

14. Relationship with Privacy Notice

Your use of the Services and submission of personal data are also governed by our Privacy Notice.

The Privacy Notice forms an integral part of your relationship with Mandarin Re.

15. Amendments

Mandarin Re may update these Terms at any time without prior notice.

Updated Terms become effective immediately upon publication on the Website.

Continued use of the Services constitutes acceptance of the revised Terms.

16. Contact Information

Head Office

Main Office Tower, Financial Park Labuan
Jalan Merdeka, 87000
Federal Territory of Labuan, Malaysia

Kuala Lumpur Office

Unit Level 11 (D)
C4-3A-12, Solaris Dutamas
No. 1, Jalan Dutamas 1
50480 Kuala Lumpur, Malaysia

Phone: +60 3 9213 1577
Email: info@mandarinre.com