Revised 4/1/05

LEGAL NOTICE

Tokio Marine Management, Inc. (“Tokio Marine”) maintains this website to provide information about our companies and their products and services. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING AND USING THIS WEBSITE, YOU AGREE TO ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THE FOLLOWING TERMS AND CONDITIONS AND AGREE TO COMPLY WITH ALL APPLICABLE LAWS AND REGULATIONS. TOKIO MARINE MAY FROM TIME TO TIME REVISE THESE TERMS AND CONDITIONS BY UPDATING THIS LEGAL NOTICE. YOU SHOULD REVIEW THIS LEGAL NOTICE PERIODICALLY TO ENSURE THAT YOU UNDERSTAND THE CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.

Address and Corporate Information

Tokio Marine is a New York corporation with offices in New York City, Pasadena and San Mateo California, Atlanta, Chicago, Cincinnati, Ohio, Houston and Nashville.

Terms and Conditions

1. The information contained on this website is for informational purposes only. This website is not intended to be a solicitation or an offer to sell any product or service and does not include a complete description of all terms, conditions and exclusions for each type of insurance coverage. Any product or service referenced herein may not be available in all jurisdictions. Answers to questions or information about insurance coverage may be obtained by email at info@tokiom.com.
   
2. You may download material displayed on this website solely for non-commercial, personal use. You should assume that everything you see or read on this website is copyrighted unless otherwise noted and You may not use it except as provided in these Terms and Conditions without the written permission of Tokio Marine. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, including the text or images, for public or commercial purposes without Tokio Marine’s written permission. Tokio Marine does not warrant or represent that the use of any materials displayed on this website will not infringe the rights of third parties.
   
3. Tokio Marine uses reasonable efforts to include accurate and up-to-date information on this website. However, Tokio Marine does not make any warranties or representations as to the accuracy, reliability, or completeness of information on the site. Tokio Marine assumes no liability or responsibility for any errors or omissions in the content of the website. Neither Tokio Marine nor any other party involved in creating, producing, or delivering this website is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your use of this website.
   
4. Without limiting the foregoing, everything on the website is provided to you "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
   
5. Tokio Marine does not represent or warrant that this website will operate without error or that the website is free of computer viruses or other harmful components. WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY, INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY DUE TO YOUR ACCESS TO OR USE OF THIS WEBSITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, OR IMAGES FROM THE WEBSITE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION THAT MAY RESULT FROM YOUR USE OF THIS WEBSITE.
   
6. Any images or artwork on this website are either the property of, or used with permission by, Tokio Marine. Your use of these images is prohibited unless specifically permitted either in this Legal Notice or specific permission is provided elsewhere on this website. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes.
   
7. The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the website, are registered and/or unregistered Trademarks of Tokio Marine or others. Nothing contained on this website should be interpreted as providing, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the website without the written permission of Tokio Marine or other third party that may own the Trademark. Your use or misuse of any Trademark or any other content displayed on the website, except as provided in this Legal Notice is strictly prohibited.
   
8. Tokio Marine has not reviewed all of the sites linked to this website. Tokio Marine is not responsible for the content of any of these linked sites nor does Tokio Marine approve, endorse, or certify information available at any linked site. Your linkage to any off-site pages or to other sites is solely at your own risk.
   
9. Any information, communication or other material that You may transmit or provide to this website by electronic mail shall be handled in accordance with Tokio Marine’s Privacy Statement found on this website.

Tokio Marine Company Information

Tokio Marine Management, Inc., wholly owned by Tokio Marine & Nichido Fire Insurance Co., Ltd. (US Branch), manages or provides administrative services to the following insurance companies. Not all of these companies are admitted to do business in all jurisdictions and the products and services offered by these companies may not be available in all jurisdictions.

Tokio Marine Management, Inc., also owns or has ownership interest in the following companies:

TM Claims Services, Inc., a claims administrator that provides claims services to Tokio Marine insurers and their clients as well as other entities on an unbundled basis.

Axia Services, Inc. a loss control services company that provides loss control services to Tokio Marine insurers and their clients as well as other entities

Ergonomic Technology Corporation, a consulting corporation that provides ergonomic engineering consulting services to Tokio Marine clients and other entities.