Purpose and audience.
This website is intended for businesses, professionals, brokers, logistics operators, cargo interests and other commercial users. It provides general information about HAVENARX GmbH and its insurance activities. It is not a consumer insurance-purchasing service.
Information, not cover.
Website content is general information. It does not by itself constitute a binding insurance offer, acceptance of a risk, insurance cover, a guarantee of terms, legal advice or tax advice. Obtain professional advice appropriate to your circumstances where required.
Underwriting enquiries.
Submission of an enquiry, proposal, risk information or underwriting request through this website does not bind insurance, create provisional cover or oblige Havenarx or any insurer to accept the risk. Insurance cover exists only where and from the time it has been expressly confirmed in accordance with the applicable insurance documentation and underwriting authority.
Every risk remains subject to underwriting. Acceptance, pricing and capacity are not guaranteed. Terms may change after review of the risk, and additional information may be required.
Insurance documentation prevails.
Where general website content is inconsistent with applicable policy wording, schedules, certificates, endorsements, binders or other formal insurance documentation, the formal insurance documentation prevails.
Information supplied by users.
Users should provide accurate, complete and current information when submitting risk details or corresponding with Havenarx. Please correct material inaccuracies promptly. The consequences of incomplete or inaccurate information depend on the applicable circumstances, law and insurance documentation.
Website updates and availability.
Havenarx may update, correct, suspend or remove website content. Past website information should not be assumed to remain current indefinitely. Continuous or uninterrupted availability is not guaranteed.
Intellectual property.
The Havenarx name, logos, website design, copy, graphics, visual identity and proprietary materials are protected by applicable intellectual-property laws. Ordinary viewing and use of the website for legitimate business information is permitted. Reproduction, adaptation or commercial reuse requires permission unless allowed by law.
Third-party links.
External websites are controlled by their respective operators. A link does not make Havenarx responsible for their availability, security, content or data-handling practices.
Liability.
Havenarx is responsible in accordance with applicable law for intent and gross negligence, for death or personal injury where liability cannot be limited, and for other mandatory statutory liability. For ordinary negligence, liability may be limited, where legally permissible, to foreseeable loss resulting from breach of an essential obligation. Nothing in these Terms excludes or limits liability where exclusion or limitation would be invalid under German law.
Governing law and jurisdiction.
German law applies, subject to mandatory rules that cannot validly be displaced. Any agreement on jurisdiction applies only to the extent valid for the relevant B2B or commercial relationship.
Changes.
Havenarx may make reasonable changes to these website Terms to reflect legal, technical or operational developments. The version published on this page applies from its publication.