Our Terms and Conditions of Use
(effective August 1st, 2015)

Welcome to the Website for directFac ("website").

This page describes the terms and conditions under which directFac provides information on our website as well as the terms and conditions governing your use of our website.  It is important that you read these Terms & Conditions of Use carefully.  By accessing the directFac website, you are agreeing to be bound by these Terms & Conditions of Use, without limitation or qualification, as well as all applicable laws and regulations.  If you do not agree to be bound by these Terms & Conditions of Use, do not access or use our website.  Please review these Terms & Conditions of Use each time you access this website since we reserve the right to revise them from at any  time without notice.  By continuing to access or use our website after we post an update to the Terms & Conditions of Use, you are agreeing to be bound by the revised terms.


directFac is a leading reinsurance underwriting management company with operations throughout North America.  Through directfac.com you may link to other websites operated by Avoca Insurance Holdings Group Companies.  If a directFac subsidiary or affiliate has its own specific Terms & Conditions of Use, the provisions of those terms will apply to your use of their website.


This website is provided for informational purposes only.  No information on this website should be considered a solicitation, offer or recommendation to enter into any transactions or an offer to sell any of our products or services or to conclude any legal act of any kind.

The information on this website should not be considered legal, tax, business, financial or accounting advice and you should not construe it as such.


The descriptions of products and services on our website are intended to provide only general information and are not intended to be a complete description of all terms, conditions, and exclusions in the subject contracts, nor are they intended to be relied upon by potential insureds, reinsureds or third-parties.  Our Insurance and Reinsurance products may not be available in all states or countries.  The specific terms and conditions of our products available in one state or country may vary from those available in another.  By providing material in our website, directFac does not promise that the materials will be available to you or that you will qualify for the products or services we offer.  You should not consider any materials on this site a substitute for the exercise of your own judgment.  Any opinions or information are subject to change without notice and may differ or be contrary to opinions expressed by other business units within directFac or the Avoca Insurance Holdings Group Companies as they may be based on different assumptions and criteria.  Be aware that the information provided on this website may change at any time and we are not under any obligation to update or keep any information current.

directFac does not market directly to the members of the General Public.  Links or other contact information may be provided elsewhere on this site for accessing a service provider who can assist you with the inquiries about our products and services.


You agree that your use of our website (or any linked website) and its content is at your sole risk.  The materials on our website are provided on an "as is" and "as available" basis.  directFac , any service providers and content providers, each disclaim, to the fullest extent permitted by law, all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose, title or non-infringement.  directFac, its service providers and content providers, do not warrant that your use of our website or any website linked to or from this site will be uninterrupted, error-free, free from viruses, worms, trojan horses, malicious codes and other items of a destructive nature or that they will be compatible with your computer, that defects will be corrected, or that the website or the server that makes it available are free of viruses or other harmful components.

directFac, its service providers and content providers, do not warrant or make any representations regarding your use or the results of your use of the materials on our website or any linked site in terms of their correctness, accuracy, reliability, usefulness, availability, quality or otherwise.  The information and descriptions contained therein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to any products and services, but are provided solely for general informational purposes.  Please also review the disclaimers found on other documents found on our website (such as on press releases, or on informaiton provided by third parties).


Under no circumstances, including, but not limited to negligence, will directFac or any other service provider or content provider or their directors, officers, employees or agents be liable for any direct, incidental, special, consequential, indirect, or punitive damages whether to you or for damage to your computer equipment that results from your access to, use of, or browsing on our website or any linked site of your downloading of any materials, data, text, images, video or audio or obtaining products or services described on the website, even if directFac, its service provider, content providers or a directFac authorized representative has been advised of the possibility of such damages.  The limitations contained in these Terms & Conditions of Use will apply regardless of the form of action, whether in contract, tort or strict liability, and regardless of the nature or number of claims or actions.  In no event will directFac, its service providers or content providers' total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing our website.

You hereby waive any and all such claims against directFac, its service providers or content providers.  You agree that the limitations described above are fundamental elements of these Terms & Conditions of Use and that we would not provide you with access to our website and its materials, information or content absent such limitations.


You agree to defend, indemnify and hold DirectFac and their service providers or content providers harmless from any losses, damages, claims or liabilities of any nature, or any liability to third parties, including reasonable attorneys' fees, arising from or related to your use of our website or any website content or your breach of our Privacy Policy (also posted on this website) or these Terms & Conditions of Use, whether caused by your negligence, intentional acts or otherwise.


Except as otherwise expressly permitted by directFac or the content owner, no materials from this website or any other website owned, operated, licensed or controlled by directFac may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.  You may not distribute, modify, transmit, reuse, repost, or use the content of our website for public or commercial purposes, including the text, images, audio, and video without directFac's or the content owner's written permission.  You may not post on or transmit through our website any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including any material that encourages conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate applicable laws.  directFac neither warrants nor represents that your use of materials displayed on this website will not infringe the rights of third parties.

The permission to use our website automatically terminates if you fail to comply with any provision of these Terms & Conditions of Use or our Privacy Policy (which is also posted on this website).  Further, directFac reserves the right to prevent you from accessing our website or the content for any reason, including, without limitation, your failure to comply with any provision of these Terms & Conditions of Use or our Privacy Policy.

directFac reserves the right to alter or discontinue this website or any of its features or contents in any way, at any time, for any or no reason, without prior notification.


These Terms & Conditions of Use will be construed, enforced and performed in accordance with the law of the State of Illinois and the United States of America without reference to principles of conflict of laws.  Those who choose to access our website provide on their own initiative and are responsible for compliance with all applicable laws.  Our website is not intended for use in any state or country where the distribution of its information or functionality is contrary to law, nor does it apply to any person in a state or country where distribution of the particular materials is prohibited without licensure or regulatory approval.  directFac does not imply that the materials on this website or its products are available in all states or countries.


Any information, other than personal data or information, you transmit to us via our website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of directFac.  Such information, other than personal data, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting.  directFac is free to use any ideas, concepts, "know how", or techniques contained in any communication you send to us via our website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products or services using such information.


All Intellectual Property (including copyrights, trademarks, service marks, database rights, patents, designs, know-how, confidential information and other proprietary rights) in the pages or material available on our website belongs to directFac or their service providers or other third parties.

You will not acquire by using our website, any rights, title or interest in any of the Intellectual Property Rights in the content of our website.

Nothing contained on our website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any such Intellectual Property without the written permission of directFac, the service provider or content provider.

Your use of the Intellectual Property displayed on our website, or any other content on our website, except as otherwise provided, is strictly prohibited.  You may not distribute, modify, transmit, reuse, repost, or use the content of our website for public or commercial purposes without directFac, the service provider or content provider's written permission.   If permission is granted you must retain all trademark, service mark, copyright or other proprietary notices.

Images displayed on our website are either the property of, or used with permission by, directFac, the service provider or content provider.  The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by directFac, the service provider or content provider.  Any unauthorized use of images may violate copyright, trademark, privacy, publicity laws, or other laws.

Please see the contact information for any third party content provided on this website.  Inquiries concerning the use of directFac, the service provider or content provider trademarks, service marks, copyrights or other intellectual property can be sent by mail to Donald S. Lilley, c/o Avoca Risk Underwriting Solutions Inc., 1000 Elm Street, Suite 1900, Manchester NH 03101, U.S.A. or sent via email to info@directfac.com


Our website may contain links to or from sites which we do not maintain or control.  We provide these links solely for your information.  Our inclusion of these links does not mean we approve or endorse any of these websites or their content.

directFac does not own, operate, control or review the information, products, services, content or operation of these linked sites.  Similarly the presence of any link does not mean that it is an endorsement or association of these external websites or the companies or organizations that operate them.  We are not responsible for, accept no liability for, and do not make any representation or warranty regarding the completeness, accuracy, reliability, usefulness, availability, quality, title, or ownership of such sites or their products or services or the security of such sites or of the results to be obtained from your use of such sites or their products or services.

We have no knowledge of and are not responsible for the linked sites data collection, privacy or security practices or for any transmission to or from the linked sites, or any information you provided on such sites.  directFac hereby disclaims all liability regarding your use of any linked site, as well as any link in a linked site.  If you access such linked sites you do so entirely at your own risk.

We encourage you to carefully review the terms & conditions and privacy policy of every website you visit and any questions should be directed to the owner of the site.


The Career Page of our website describes open positions with our companies.  If you decide to apply for a position, we will use your curriculum vitae and any other information you provide to us solely for considering your application for employment.  Please read our Privacy Policy if you have any questions about how we use your personal data.

In acknowledging your application we are not verifying content, accepting applications or making an offer of employment.  Our companies are not obligated to accept any application for employment.

directFac are equal opportunity employers (in accordance with applicable legislation).  They do not discriminate on the grounds of gender, race, ethnic origin, religion, sexual orientation, disability or any other basis covered by local legislation.  All employment related decisions are based on merit.


The website of directFac may contain forward-looking statements.  Forward looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact.  While such statements may represent our best judgment and expectations at the time, various risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations.  Therefore, please do not place reliance on forward-looking statements of the directFac website.  We are under no obligation to update or  alter forward looking statements on our website whether as a result of new information, future events or otherwise.


By using our website, you understand and agree that we may process your personal data as described in our Privacy Policy.  Our Privacy Policy which is included in these Terms & Conditions of Use by reference is included on another page of this website.  You agree that you will comply with any applicable data protection laws in performing your obligations to us and in using our website.


directFac may exercise its rights under these Terms & Conditions of Use as often as necessary. Our rights are cumulative and not exclusive of other rights or remedies provided by law.  Our rights may only be waived by an officer of directFac in writing and any such waiver must be specific.

If any provision of these Terms & Conditions of Use is or becomes illegal, invalid or unenforceable in any state or country, it will not affect the legality, validity or enforceability of any other provision in that same state or country or of that same or other provision in any other jurisdiction.  Our failure or delay in enforcing any of our rights will not be a waiver of our right to enforce such right at another time.


If you have any questions or concerns about our Terms & Conditions of Use please email us at privacy@directfac.com

Copyright © 2015 directFac.  All rights reserved.