User Agreement and Terms of Service

Last Updated: May 20, 2026

1. Acceptance of Terms

Welcome to irws.xyz insurance Times ("we," "our," or "us"). By accessing or using our website at irws.xyz (the "Site"), you agree to be bound by this User Agreement ("Agreement"). If you do not agree to these terms, please do not use our Site.

This Agreement constitutes a legally binding contract between you and irws.xyz insurance Times. We reserve the right to modify these terms at any time, and your continued use of the Site after such modifications constitutes your acceptance of the updated Agreement.

2. Description of Service

irws.xyz insurance Times is an online news publication covering the captive insurance industry. Our services include:

Access to daily news articles and analysis
Industry interviews and expert insights
Specialist features and country profiles
Issue archives and downloadable publications
Service provider directories
Event listings and emerging talent profiles
Email newsletters and RSS feeds

3. User Accounts and Registration

3.1 Account Creation

Certain features of our Site may require you to create an account. When creating an account, you agree to:

Provide accurate, current, and complete information
Maintain and update your account information
Keep your password confidential
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized use

3.2 Account Termination

We reserve the right to suspend or terminate your account at any time for violation of this Agreement or for any other reason at our sole discretion.

4. Intellectual Property Rights

4.1 Ownership

All content on the Site, including but not limited to:

News articles and features
Interviews and profiles
Photographs and images
Graphics, logos, and design
Video and audio content
Software and code

is owned by irws.xyz insurance Times or our licensors and is protected by copyright, trademark, and other intellectual property laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. This license does not include:

The right to reproduce, distribute, or create derivative works
The right to use content for commercial purposes
The right to remove or modify any proprietary notices

4.3 Prohibited Uses

You may not:

Copy, modify, or distribute any content without express written permission
Use automated tools to scrape or harvest data
Remove copyright or trademark notices
Frame or mirror any portion of the Site
Use the Site in any manner that could disable or damage it

5. User-Generated Content

5.1 Comments and Submissions

If you submit comments, articles, or other content to our Site, you grant us a non-exclusive, royalty-free, perpetual license to use, display, and distribute such content.

5.2 Content Responsibility

You are solely responsible for any content you submit. You agree not to submit content that:

Is illegal, harmful, threatening, or defamatory
Infringes on any third-party rights
Contains viruses or malicious code
Constitutes spam or unsolicited commercial messages
Violates any applicable law or regulation

5.3 Content Moderation

We reserve the right to remove or refuse to post any user-generated content at our sole discretion, without notice.

6. Third-Party Links and Advertisements

6.1 External Links

Our Site may contain links to third-party websites. We do not control or endorse these websites and are not responsible for their content, privacy policies, or practices.

6.2 Advertisements

The Site may contain advertisements from third parties. We do not endorse the products or services advertised, and we are not responsible for any transactions or interactions between you and advertisers.

6.3 Affiliate Links

Some links on our Site may be affiliate links. We may earn a commission if you make a purchase through these links.

7. Disclaimers and Warranties

7.1 Content Accuracy

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the completeness, accuracy, reliability, or timeliness of any content on the Site.

7.2 Professional Advice

Content on our Site is for informational purposes only and does not constitute legal, financial, insurance, or professional advice. Always consult with qualified professionals before making decisions based on our content.

7.3 No Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT OF THIRD-PARTY RIGHTS
UNINTERRUPTED OR ERROR-FREE OPERATION
SECURITY OR FREEDOM FROM VIRUSES
ACCURACY OR RELIABILITY OF CONTENT

8. Limitation of Liability

8.1 Damages Exclusion

TO THE MAXIMUM EXTENT PERMITTED BY LAW, irws.xyz INSURANCE TIMES SHALL NOT BE LIABLE FOR:

INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES
DAMAGES RESULTING FROM USE OR INABILITY TO USE THE SITE
UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA
CONTENT OR CONDUCT OF THIRD PARTIES

8.2 Liability Caps

Our total liability to you for any claims related to the Site shall not exceed the amount you paid, if any, for access to the Site during the twelve months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless irws.xyz insurance Times and our officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from:

Your use of the Site
Your violation of this Agreement
Your violation of any third-party rights
Any content you submit to the Site

10. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review our Privacy Policy at irws.xyz/privacyPolicy.html.

11. Digital Millennium Copyright Act (DMCA)

11.1 Copyright Infringement

We respect the intellectual property rights of others. If you believe your copyrighted work has been copied in a way that constitutes copyright infringement, please notify us immediately.

11.2 DMCA Notice

To file a DMCA notice, please provide:

Your physical or electronic signature
Identification of the copyrighted work claimed to be infringed
Identification of the material that is claimed to be infringing
Your contact information
A statement of good faith belief
A statement of accuracy and authority

Send DMCA notices to: [email protected]

12. Dispute Resolution and Governing Law

12.1 Governing Law

This Agreement is governed by the laws of the jurisdiction in which irws.xyz insurance Times is established, without regard to conflict of law principles.

12.2 Dispute Resolution

Any disputes arising from this Agreement shall be resolved through binding arbitration, except where prohibited by law. You and irws.xyz insurance Times waive any right to a trial by jury or class action.

13. Termination

13.1 Termination by User

You may terminate this Agreement at any time by discontinuing use of the Site and closing your account, if applicable.

13.2 Termination by Us

We may terminate or suspend your access to the Site immediately, without prior notice, for any reason, including but not limited to:

Breach of this Agreement
Violation of applicable laws
Fraudulent or illegal activities

13.3 Effect of Termination

Upon termination, your right to use the Site will immediately cease. Sections 4, 7, 8, 9, and 12 shall survive any termination of this Agreement.

14. General Provisions

14.1 Entire Agreement

This Agreement constitutes the entire agreement between you and irws.xyz insurance Times regarding your use of the Site, superseding any prior agreements.

14.2 Severability

If any provision of this Agreement is found to be unenforceable, the remaining provisions shall remain in full force and effect.

14.3 Waiver

Our failure to enforce any provision of this Agreement shall not constitute a waiver of such provision.

14.4 Assignment

You may not assign this Agreement without our prior written consent. We may assign this Agreement at our discretion.

14.5 Force Majeure

We are not responsible for delays or failures due to circumstances beyond our reasonable control.

15. Additional Terms for Specific Services

15.1 Newsletters

By subscribing to our newsletters, you agree to receive promotional emails. You may unsubscribe at any time using the link provided in each email.

15.2 RSS Feeds

Our RSS feeds are for personal, non-commercial use only. We reserve all rights in the feed content.

15.3 Mobile Applications

If we offer mobile applications, additional terms may apply to your use of those applications.

16. Children and Minors

The Site is not intended for children under the age of 16. We do not knowingly collect information from children under 16. If you are under 16, please do not use the Site or submit any personal information.

17. International Users

The Site is hosted and operated from our principal place of business. Access from countries where the content or services may be illegal is prohibited. If you access the Site from outside the host country, you are responsible for compliance with local laws.

18. Contact Information

If you have any questions about this User Agreement, please contact us:

irws.xyz insurance Times
Email: [email protected]
Website: https://irws.xyz
Contact Form: Contact Us

19. Modifications to This Agreement

We reserve the right to modify this Agreement at any time. Modifications will be effective immediately upon posting to the Site. Your continued use of the Site constitutes acceptance of the modified Agreement.

20. Acknowledgment

By using irws.xyz insurance Times, you acknowledge that you have read, understood, and agree to be bound by this User Agreement. If you do not agree to these terms, please discontinue use of the Site immediately.