Welcome to the website of Candidus Reinsurance Services S.A. (“Candidus”, “we”, “us”, or “our”). By accessing or using this website (the “Site”), you agree to be bound by these Terms of Use and all applicable laws and regulations of the Republic of Panama. If you do not agree with these terms, please do not use the Site.

1. Purpose of the Site

This Site is intended to provide general information about our company, services, and business activities. It is not intended to provide professional advice, including but not limited to legal, tax, or insurance advice. For specific guidance, you should consult with a qualified professional.

2. Eligibility

By using the Site, you represent that you have the legal capacity to enter into a binding agreement. If you are using this Site on behalf of a legal entity, you confirm that you are authorized to do so.

3. Intellectual Property

All content on this Site, including text, images, logos, graphics, layout, software, and other materials (“Content”), is owned or licensed by Candidus and is protected by copyright, trademark, and other intellectual property laws.

You may view, download, and print materials from the Site for your personal, non-commercial use only. You may not copy, modify, distribute, transmit, display, or create derivative works from any part of the Site without our prior written consent.

4. Prohibited Use

You agree not to use the Site to:

• Violate any laws or regulations;
• Infringe upon or violate our intellectual property or that of others;
• Distribute malware, viruses, or other harmful software;
• Engage in unauthorized data collection, scraping, or similar activities;
• Interfere with the security or operation of the Site;
• Misrepresent your identity or affiliation.

5. Disclaimer of Warranties

The Site and all content are provided “as is” and “as available,” without any warranties of any kind, express or implied. While we make reasonable efforts to maintain accurate and current information, we do not warrant the completeness, accuracy, reliability, or availability of the Site or its content.

To the fullest extent permitted by law, Candidus disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

6. Limitation of Liability

To the maximum extent permitted by law, Candidus shall not be liable for any direct, indirect, incidental, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or business interruption, arising out of or in connection with your use or inability to use the Site.

7. Third-Party Links

This Site may contain links to external websites. These links are provided for your convenience only. We do not endorse and are not responsible for the content, security, or privacy practices of any third-party websites.

8. Privacy

Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information.

9. Changes to These Terms

We reserve the right to modify or update these Terms of Use at any time without prior notice. Your continued use of the Site after any changes are made constitutes acceptance of those changes. We encourage you to review this page periodically.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of Panama. Any disputes arising out of or related to the use of this Site shall be subject to the exclusive jurisdiction of the courts of Panama City, Panama.

11. Contact Us

If you have any questions or concerns regarding these Terms of Use, please contact us at:

• Candidus Reinsurance Services S.A.
• Email: info@candidusre.com
• Website: www.candidusre.com