Your access and use of this website is subject to the following Terms of Use, as well as all applicable laws and regulations. Please read these terms carefully. If you do not accept and agree to be bound by any of the terms or conditions provided in these Terms of Use, you are not authorized to access or otherwise use this website. Your access to and use of this website constitute your acceptance of and agreement to abide by each of the terms and conditions set forth below.

This website is owned, operated and controlled by Samsung Fire & Marine Insurance Co., Ltd. (U.S. Branch) ("SFMI"). The contents of this website, as well as the products and/or services as described on this website, may be changed, modified, supplemented or updated at any time, for any reason and without notice. These Terms of Use may also be changed, modified, supplemented or updated by SFMI without advance notice. You are encouraged to review this website periodically for updates and changes.

This website is directed to those individuals and entities located in the United States. The information contained on this website is not for use within any country or jurisdiction or by any person where such use would constitute a violation of the law. Additionally, not all of the products and services described on this website are available in all geographic areas of the United States. This website provides a general description of certain types of insurance products, coverage and services available through SFMI. These descriptions are not part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by SFMI.

SFMI hereby authorizes you to view, use, copy for your records and download small portions of the contents of this website(including without limitation text, graphics, software, audio and video files and photo) for your informational, non- commercial use. This website or any portion of this website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of SFMI.

Non-U.S. affiliates of SFMI that are not licensed or otherwise authorized to conduct business in the United States do not engage in or transact any business in the United States through this website or otherwise. In certain countries, non-U.S. clients and their representatives may be able to transact insurance with non-U.S. SFMI affiliates through websites that are accessible through this website.

SFMI does not monitor and is not responsible for the content found on other websites that are linked from this website. SFMI assumes no responsibility or liability for the content of any linked websites. Before entering any linked website, you should review and understand that website's terms of use, including its privacy policy. No individual or entity may link to this website without SFMI's express permission.

Except as expressly stated herein, the information contained on this website is not an offer or solicitation to sell any insurance product, or other product or service by SFMI. No insurance product or other product or service is offered or will be sold by SFMI or, if sold by SFMI, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Please contact a designated SFMI representative or your broker to find out which products and/or services are available to you in your jurisdiction.

This website may provide certain summary descriptions or other helpful information regarding products and services offered by SFMI. SFMI strives to be as accurate as possible; however, any such materials are intended to generally describe the products and services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer.

SFMI makes no warranty or guaranty about the accuracy, completeness, or adequacy of the information contained in or linked to this website or any other website maintained by SFMI.

Except as otherwise expressly stated, all content appearing on this website are the copyrighted work of SFMI and are protected by U.S. and international copyright laws. All other trademarks, service marks, product names, company names or logos, whether registered or not, on this website are the property of their respective owners. You agree that you will not use any such trademarks, service marks, or other logos from this website without the prior written consent of SFMI.

Any use or attempted use of this website in the following manner is strictly prohibited: (i) for any unlawful, unauthorized, fraudulent or malicious purpose, (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, (iii) to interfere with any other party's use and enjoyment of this website, (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, (v) to access systems, data or information not intended by SFMI to be made accessible to a user, (vi) to obtain any materials or information through any means not intentionally made available by SFMI, or (vii) for any use other than the business purpose for which this website was intended. SFMI reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing.

This website is controlled and operated by SFMI from offices within the United States of America. We make no representation that materials contained on this website are appropriate or available for use outside the United States or that access to the content from all countries and/or territories is legal. If you access this website from locations outside the United States, you are responsible for compliance with all applicable laws and regulations.

YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. ALL CONTENT IS PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND SFMI EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SFMI MAKES NO WARRANTY THAT THE CONTENT IS ACCURATE, TIMELY, UNINTERRUPTED, NON-INFRINGING, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.

YOU UNDERSTAND AND AGREE THAT SFMI WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF SFMI HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OF OR INABILITY TO USE THIS WEBSITE, PRODUCTS AND SERVICES, CONTENT OR SOFTWARE, OR ANY OTHER MATTER RELATED TO THIS WEBSITE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEBSITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE SFMI.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

You agree to indemnify, defend and hold harmless SFMI, its affiliates and their officers, directors, employees, contractors, agents, licensors, service providers, subcontractors and suppliers from and against any and all liability for any judgments, awards, losses, fines, penalties, expenses, damages and costs, including reasonable attorneys' fees and court costs, or other claims for damages arising or resulting from your use of this website or any violation of these Terms of Use. If you cause a technical disruption of this website or the systems transmitting this website to you or others, you agree to be responsible for any and all liability for any judgments, awards, losses, fines, penalties, expenses, damages and costs, including reasonable attorneys' fees and court costs, or other claims for damages arising or resulting from that disruption. SFMI reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with SFMI in the defense of such matter

Any dispute or claim arising out of or relating to these Terms of Use or use of this website shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association, except that, to the extent you have in any manner violated or threatened to violate SFMI's intellectual property rights, SFMI may seek injunctive or other appropriate relief in any state or Federal court in the State of New York, and you consent to exclusive jurisdiction and venue in such courts. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in New York, New York, and the judgment of the arbitrator may be entered and/or enforced in any jurisdiction competent to do so. Either you or SFMI may seek any interim or preliminary relief from a state or Federal court of competent jurisdiction in New York, New York, as may be necessary to protect the rights or property of you or SFMI pending the completion of arbitration. You agree that any action to enforce this arbitration provision will be brought in the Federal or state courts located in New York, New York.

These Terms of Use are governed by the laws of New York and controlling United States Federal law without regard to any conflicts of law provisions, unless such law cannot be applied in a particular jurisdiction under prevailing applicable law. If any provision of these Terms of Use is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions.

SFMI strongly believes in maintaining the privacy of nonpublic personal information collected from individuals who visit this website. SFMI does not collect any personal information about you on this website unless you choose to provide it voluntarily. "Personal information" is defined as information that is unique to you and might include your phone number, name, age, address or Social Security Number. If you encounter a screen or page that requests information you do not want to share with SFMI, do not enter the information and do not proceed with that screen or page.

If you do provide SFMI with personal information, it will be used only for the purposes described where it is collected, and it will not be sold, licensed, transmitted or disclosed outside of SFMI unless (1) you expressly authorized SFMI to do so, (2) it is necessary to allow our contractors or agents to provide services for SFMI, (3) in order to provide SFMI products or services to you, (4) it is disclosed to entities that perform marketing services on SFMI's behalf or to other entities with whom SFMI has joint marketing agreements, (5) in connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring, or (6) otherwise as required or permitted by applicable law. Please be advised that electronic communications, including the Internet, are not completely secure, and we cannot guarantee the security of your information conveyed in this manner.

For your convenience, SFMI may provide links to other websites and web pages that SFMI does not control. SFMI cannot be responsible for the privacy practices of any websites or pages not under SFMI's control, and SFMI does not endorse any of those websites or pages, the services or products described or offered on such websites or pages, or any of the content contained on those websites or pages. Before providing any personal information to such websites, please be sure to carefully review the website's privacy policy.

A cookie is a piece of information that a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. SFMI may use cookies for a number of purposes -- for example, to maintain continuity during a user session, to gather data about the usage of its website for research and other purposes, or to enable its servers to recognize your computer so that your preferences and/or authentication credentials can be recognized for the convenience of not having to provide this information every time you return to this website. SFMI's cookies, if used, will track only your online activity on this website, and will not track your other Internet activity. SFMI's cookies, if used, will not gather personally identifiable information.

If you have any questions about this website's Terms of Use or would like to learn more about how SFMI protects your privacy, please write to us at Samsung Fire & Marine Insurance Co., Ltd. (U.S. Branch), Legal Department, 105 Challenger Road, 6th Floor, Ridgefield Park, New Jersey 07660 or e-mail us at Compliance@sfmmc.samsung.com. Last Updated: Jan.6 2026