1. Acceptance of Terms 

By accessing or using this website (“Website”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, you must not use the Website. These Terms apply to all visitors, users and others who access or use the Website. 

2. Who We Are 

This Website is operated by Mission Underwriting Europe Limited, trading as Kyntra Specialty, a company registered in Ireland (Company No. 657936), with its registered office at 13–18 City Quay, Dublin 2, D02 ED70, Ireland, and regulated by the Central Bank of Ireland (Reference No. C423592). 

3. Use of the Website 

You agree to use the Website in compliance with all applicable laws and regulations, including Irish and EU law. You must not use the Website: 

• For any unlawful purpose; 

• To solicit others to perform or participate in unlawful acts; 

• To violate any international, national or local regulations or laws; 

• To infringe upon or violate our intellectual property rights or the rights of others; 

• To upload or transmit viruses or malicious code. 

We reserve the right to restrict or terminate your access to the Website without notice if you violate these Terms. 

4. Intellectual Property 

Mission Underwriting Europe Limited (including its Kyntra Specialty trading name) retains all right, title and interest, including all intellectual property rights, in and to the Website, its branding, and all content, software, databases and other technology used to operate it (together, “Mission Property”), together with any additions, improvements, updates and modifications. 

You receive no ownership interest in, and are granted no right or licence to use, the Mission Property, other than your ability to access and browse the Website under these Terms. The “Kyntra Specialty” name and logo, and the Mission name and logo, are trademarks of Mission Underwriting Europe Limited and its licensors, and you are granted no right or licence to use them. 

5. Third-Party Links 

The Website may contain links to third-party websites. We have no control over, and accept no responsibility for, the content or practices of these websites, or for any loss or damage arising from your use of them. 

6. Disclaimer of Warranties 

The Website and its content are provided “as is” and “as available” without warranties of any kind, express or implied. While we aim to keep content accurate and up to date, we do not guarantee its correctness, completeness or reliability. It is your responsibility to verify the accuracy and relevance of any information before relying on it. 

7. Limitation of Liability 

To the fullest extent permitted by applicable law, Mission Underwriting Europe Limited shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, arising from your use of, or inability to use, this Website. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation, where such exclusion or limitation is not permitted by applicable law. 

8. Data Protection & Cookies 

We are committed to protecting your personal data. Please refer to our Privacy Notice and Cookie Policy for information on how we collect, use and protect your data in compliance with applicable data protection legislation. 

9. Governing Law and Jurisdiction 

These Terms shall be governed by and construed in accordance with the laws of Ireland. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Ireland. 

10. Changes to These Terms 

We may update these Terms from time to time. Changes will be posted on this page with an updated “Effective Date”. You are advised to review this page periodically. Continued use of the Website after changes are posted constitutes acceptance of those changes. 

11. Complaints 

If you wish to raise a complaint about our products, services or claims handling, please contact us at complaints@kyntraspecialty.com. 

We aim to acknowledge your complaint promptly and to resolve it as quickly as possible, and in any event within the timeframe required under the Central Bank of Ireland’s Consumer Protection Code. If we are unable to resolve your complaint within that time, we will write to you explaining why and when you can expect a decision. 

If you remain dissatisfied with our final response and you qualify as an eligible complainant, you may refer your complaint to the Financial Services and Pensions Ombudsman (FSPO), Lincoln House, Lincoln Place, Dublin 2, D02 VH29, Ireland (www.fspo.ie), normally within six months of our final response. 

If your complaint relates to how we process your personal data, please refer to our Privacy Notice for further information on your rights and our contact details. 

12. Contact Us 

If you have any questions about these Terms, please contact us at: info@kyntraspecialty.com