TERMS OF USE
Terms for using the Coastlight digital experience
-
These Terms of Use govern access to the public Coastlight Global Risk website, its content, interactive features and downloadable materials.
Separate agreements, professional information and engagement terms govern any advisory, insurance-intermediation or other professional relationship with Coastlight.
-
-
The website presents Coastlight’s perspective, capabilities, research, public risk architecture, Executive Briefs and institutional information.
Public content is prepared for general information, orientation and discussion.
A professional recommendation arises only through a defined engagement, the relevant evidence and the applicable review and decision process.
-
Accessing the website, using an interactive feature, downloading a document or contacting Coastlight creates no advisory, brokerage, fiduciary or contractual relationship by itself.
A professional relationship begins only through express agreement and the completion of any required regulatory, conflict-of-interest, scope, information and acceptance steps.
Insurance placement, policy analysis, claims support, legal interpretation, financial analysis and company-specific risk conclusions require the relevant facts, documents and professional review.
-
Research, Executive Briefs, diagrams, scenarios, visualisations and interactive outputs may combine sourced information, analytical structure and clearly identified illustrative assumptions.
Their purpose is to explain risk architecture, market context and decision logic.
Company-specific use requires validation against the relevant enterprise, jurisdiction, contracts, policies, controls, financial information and current evidence.
-
Verify Independently enables users to examine or explore the source logic behind selected public statements and analytical views.
External research tools, search systems and third-party sources may produce different, incomplete or changing results.
The feature supports scrutiny and further research. Coastlight’s published statement remains governed by the sources, scope and limitations identified in the relevant Coastlight material.
-
Public website content may be viewed, downloaded and printed for lawful personal, internal business and evaluation purposes.
Any permitted use should preserve:
- the context of the material;
- source and copyright notices;
- the date and version where shown;
- the distinction between Coastlight content and third-party material;
- the stated limitations of the analysis.
Use beyond these purposes may require prior written permission.
-
Website text, research structures, diagrams, visual systems, interactive features, code, design, graphics, Executive Briefs, trademarks, names and other original material may be protected by copyright, trade-mark, database and other intellectual-property laws.
All rights remain with Coastlight or the respective rights holder.
Publication on the website grants access to the material for the permitted uses described above. It transfers no ownership, licence for commercial exploitation or right to create misleading adaptations.
-
The website and its systems should be used lawfully and in a manner that preserves security, availability and integrity.
Prohibited activity includes:
- attempts to gain unauthorised access;
- interference with website operation or security controls;
- malicious code, automated abuse or excessive request activity;
- extraction or replication intended to appropriate protected content or system logic;
- misrepresentation of Coastlight material, identity or endorsement;
- use that infringes the rights of Coastlight, another user or a third party;
- use connected to unlawful, fraudulent or harmful activity.
Reasonable search-engine indexing and ordinary browser access remain unaffected.
-
Information sent through the website or contact route should be accurate, lawful and appropriate for the stated purpose.
Sensitive company, policy, claim, financial, contractual or personal information should be transmitted only through an agreed and suitable channel.
Receipt of unsolicited material creates no obligation to accept an engagement, retain the material indefinitely or act on the information.
Personal data is handled according to the Privacy Notice.
-
The website may refer or link to official registers, legislation, research sources, insurers, authorities and other external services.
These links provide context, verification or access to third-party material.
External content, availability, security, terms and data practices remain governed by the relevant third party. Coastlight reviews and updates links where appropriate within the scope of its control.
-
The website, its pages and its interactive features may be updated, extended, suspended or withdrawn as Coastlight’s work, evidence, technology and regulatory obligations develop.
Coastlight seeks to preserve the integrity and availability of the digital experience while maintaining the ability to correct, improve and secure it.
-
Coastlight applies its Research & Evidence Standards to material public content.
Sources, markets, laws, technology and company circumstances change over time. Dates, versions, assumptions and limitations should therefore be considered as part of the content.
Where a material defect or superseded source is identified, Coastlight may correct the affected material and preserve an appropriate revision record.
-
Responsibility for use of the website and its public content is determined by the applicable law and the circumstances of the individual case.
Coastlight remains liable wherever liability is mandatory, including liability that cannot lawfully be excluded or limited.
Company-specific decisions should be based on current evidence and the appropriate professional advice rather than on general website content alone.
-
Personal-data handling is described in the Privacy Notice.
The use of cookies and similar technologies is described in the Cookie Policy. Preferences can be reviewed through Cookie Settings.
Accessibility information and the feedback route are provided in the Accessibility Statement.
PRIVACY NOTICE
COOKIE POLICY
COOKIE SETTINGS
Cookie Settings
ACCESSIBILITY STATEMENT
-
Language versions of the website may be provided to support global access.
-
These Terms may be updated to reflect changes in the website, Coastlight’s activities, applicable law or professional requirements.
The current version is identified by its publication and review date.
PREPARED ON
24 July 2026
LAST REVIEWED
24 July 2026
-
Questions concerning these Terms may be directed to Coastlight’s Compliance address.
COMPLIANCE
-
These Terms preserve a clear boundary between public information, protected intellectual property and professional work undertaken through an agreed Coastlight relationship.