Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("the User", "you", or "your") and Guarant Reinsurance Limited ("GUARANT RE", "the Company", "we", "us", or "our"), a wholly-owned subsidiary of Amberstone Capital Group SPC (a Segregated Portfolio Company regulated by the BVI Financial Services Commission), incorporated and regulated in the Turks & Caicos Islands under the supervision of the TCI Financial Services Commission (TCIFSC).

By accessing, browsing, or using the GUARANT RE website located at www.guarantre.com (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must discontinue use of the Website immediately. Your continued use of the Website following any modification to these Terms constitutes your acceptance of the revised Terms.

These Terms should be read in conjunction with our Privacy Policy, which governs the collection, use, and protection of personal information obtained through the Website.

Effective Date: 1 January 2026  |  Last Updated: 1 January 2026

2. Company Information

3. Use of the Website

The Website is provided for general informational purposes about GUARANT RE, its reinsurance services, corporate information, and related subject matter. You may access and use the Website subject to the following conditions:

4. Intellectual Property Rights

All content, materials, and intellectual property on the Website — including but not limited to text, graphics, logos, trademarks, service marks, trade names, images, icons, page layout, design, data compilations, and software — are the exclusive property of Guarant Reinsurance Limited or its licensors and are protected by applicable intellectual property laws of the Turks & Caicos Islands and international conventions.

The GUARANT name, GUARANT RE name, associated logos, and all related product and service names, designs, and slogans are trademarks of Guarant Reinsurance Limited. You must not use such marks without prior written permission from the Company. Use of the GUARANT name or brand materials for editorial or media purposes requires prior approval in accordance with our brand usage guidelines, as described on our Media & Insights page.

No license, right, title, or interest in any intellectual property is granted or transferred to you by virtue of your access to or use of the Website. You may view, download, and print pages from the Website for your own personal, non-commercial use, provided that you do not modify the content, remove any copyright or proprietary notices, or use the material for any commercial purpose without our express written consent.

5. Disclaimer of Warranties and Information Accuracy

6. Limitation of Liability

To the fullest extent permitted by applicable law, Guarant Reinsurance Limited, its directors, officers, employees, agents, and affiliates shall not be liable for any loss, damage, cost, expense, or liability — whether direct, indirect, incidental, consequential, special, or punitive — arising out of or in connection with:

This limitation of liability applies regardless of whether the claim is based in contract, tort (including negligence), strict liability, statute, or any other legal theory, and whether or not GUARANT RE has been advised of the possibility of such loss or damage. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

7. Indemnification

You agree to indemnify, defend, and hold harmless Guarant Reinsurance Limited, its directors, officers, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: your use of the Website in violation of these Terms; your breach of any representation or warranty contained herein; your violation of any applicable law, regulation, or third-party right; or any content or information you submit, post, or transmit through the Website.

8. Third-Party Links and Content

The Website may contain hyperlinks to third-party websites, resources, or services that are not owned, operated, or controlled by GUARANT RE. These links are provided solely for your convenience and informational purposes. GUARANT RE does not endorse, approve, or assume any responsibility for the content, privacy practices, terms of service, or availability of any third-party websites or resources.

Access to any third-party website through a link on this Website is entirely at your own risk. We strongly recommend that you review the terms and conditions and privacy policies of any third-party website before engaging with it or providing any personal information.

9. Website Availability and Modifications

GUARANT RE does not warrant that the Website will be available at all times or without interruption. We reserve the right, at our sole discretion and without notice, to modify, suspend, or discontinue the Website (or any part thereof) at any time, whether temporarily or permanently, for maintenance, security, operational, or any other reason. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Website.

We further reserve the right to modify, update, supplement, or remove any content on the Website at any time without prior notice. Information published on the Website is current only as of its stated publication date and may not reflect subsequent developments, changes in law, or changes in market conditions.

10. Governing Law and Jurisdiction

11. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the remaining provisions of these Terms, which shall continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to render it valid and enforceable, while preserving its original intent to the greatest extent possible.

12. Waiver

No failure or delay by GUARANT RE in exercising any right, power, or remedy under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, or remedy preclude any other or further exercise of that right, power, or remedy or the exercise of any other right, power, or remedy. The rights and remedies provided herein are cumulative and are not exclusive of any other rights or remedies available at law or in equity.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and GUARANT RE with respect to your use of the Website and supersede all prior or contemporaneous communications, representations, or agreements — whether oral or written — relating to the same subject matter. Nothing in these Terms shall affect the terms of any separate written agreement between you and GUARANT RE relating to the provision of reinsurance, insurance, or other professional services.

14. Amendments

GUARANT RE reserves the right to amend, modify, or replace these Terms at any time at its sole discretion. Any changes will be effective immediately upon posting of the revised Terms on the Website with an updated "Last Updated" date. It is your responsibility to review these Terms periodically. Material changes may be communicated through a notice on the Website homepage or by other appropriate means. Your continued use of the Website after any such changes constitutes your binding acceptance of the revised Terms.

15. Contact Information

If you have any questions, concerns, or comments regarding these Terms and Conditions, please contact us: