THESE TERMS OF USE (THE "TERMS OF USE") ARE ISSUED BY SHANGHAI ANGUO CO., LTD ITS QINGDAO BRANCH COMPANY(TOGETHER, "ANGUO"). THEY APPLY TO ALL WEBSITES, MICRO-SITES AND OTHER ONLINE DIALOGUE PLATFORMS OWNED OR MANAGED BY OR ON BEHALF OF ANGUO UNDER THE WWW.IANGUO.COM OR WWW.IANGUO.COM.CN
BY ACESSING THE ANGUO 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 ANGUO SITE. 
 
I. Copyright statement
Texts, pictures, footage and graphics and their appearance in the Anguo website are protected under copyright law and other protective legislation. These materials or any portions thereof may be used solely for personal and non-commercial purposes. An exception shall be the use of pictures and footage downloaded from the database in the picture archive and the press footage by representatives of the media if and insofar as such pictures are used in publications with editorial relevance to Anguo. Any contents and components of the Anguo website stored, reproduced or distributed, provided that permission has been granted to do so, must contain a reference to Anguo's copyright. Pictures and footage as well as articles from newspapers and magazines appearing in the Anguo website may also in certain instances be subject to the intellectual property rights of third parties.
 
II.Disclaimer
Content contained on Anguo Site is provided “as is” and “as available”. Anguo, the Service Providers 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 Anguo Sites or their Content. Without limiting the foregoing, Anguo, the Service Provider and third party Content providers do not guarantee, represent or warrant the accuracy, timeliness, completeness, reliability or availability of Anguo Sites or the information or results obtained from them (whether based on manual access, subscriptions, RSS-feeds or otherwise), or that Anguo Sites or downloads (e.g. PDF, pictures, pod-casts, videos) from Anguo 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 Anguo Sites (e.g. disclaimers on press releases, disclaimers on documents provided by third parties). Neither Anguo, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors 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 Anguo, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any loss of profits, business or data. Neither Anguo, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors 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 Anguo Site or downloads from any Anguo Site.
 
III.Privacy policy statement
Our Privacy Policy Statement is available on each Anguo Site. You understand that your use of a Anguo 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 a Anguo 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.
 
IV. Links to third-party sites
Clicking on certain hyperlinks on the Anguo website allows you to leave the Munich Re site. The linked site is not under the control or influence of Anguo and the latter is not responsible for the contents and design of or for any changes made to the linked site. Anguo therefore shall be liable neither for offsite material contained in linked sites nor for any links contained in a linked site.
 
V. Governing law / place of jurisdiction
These Terms of Use shall be governed by and interpreted in accordance with Chinese law and we and you each submit irrevocably to the exclusive jurisdiction of People’s Republic of China.
 

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