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Terms of use

These terms and conditions (together with the documents referred to herein) tell you the terms of use on which you may make use of our website, whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.


Users may be granted access to the public areas of this website and to the secure private areas. References to the ‘website’ in these terms and conditions relate to both the public and private secure areas.

Other applicable terms

Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you confirm that all data provided by you is accurate.

If you purchase goods or services from our site, our Transaction Terms and Conditions will apply to the sales.

About us is a website controlled and operated by BF&M Limited, (“BF&M or “We”). BF&M is registered in Bermuda under company number 16668 and has its registered offices at Insurance Building, 112 Pitts Bay Road, Pembroke HM 08, Bermuda. Our main trading address is Insurance Building, 112 Pitts Bay Road, Pembroke HM 08, Bermuda. We are regulated by the Bermuda Monetary Authority. 

This website contains information about the BF&M group of companies (the “BF&M Group”) and its products and services and, unless otherwise stated, is provided for general information purposes only. The content of the website is not intended to be a substitute for professional advice. 

The pages of this website are, unless otherwise stated, for the information of Bermuda residents in relation to Bermuda products only. If you access this website from outside Bermuda, local legislation and regulations may not permit us to provide products in your country. For more information please contact us.

Changes to these terms

BF&M may revise these terms of use at any time without notice by amending this page. 

Please check this page from time to time to take notice of any changes we made, as they are binding on you.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. 

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

Our site is made available free of charge. 

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or any period. 

You are responsible for making all arrangements necessary for you to have access to our site. 

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these Terms of Use and other applicable terms and conditions, and that they comply with them.

Your account and password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any other person or third party. 

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use. 

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected].

Intellectual property

The content of this website including all images, text, programmes, and other intellectual property is protected by copyright law, trademark law and is the sole property of BF&M. 

BF&M and/or its licensors are the owners of the data, design, graphics, text, images, software and underlying codes for use on this website. 

All trademarks, service marks, trade names, logos and devices, whether registered or unregistered, identifying BF&M or its products and services are the proprietary marks of BF&M. Any other trademarks and service marks are the property of their respective owners. No authority is granted to any person for the use of those marks. 

You may print off and download extracts of any page(s) from our site for your personal use and you may draw the attention of others within your organization to content posted on our site. 

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. 

Our status as the authors of content on our site must always be acknowledged. 

You must not use any part of the content on our site for commercial purposes without obtaining a license to do so from us or our licensors. 

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the material you have made.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. 

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of liability

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: 

  • Use of, or inability to use, our site; or 

  • Use of or reliance on any content displayed on our site. 

If you are a business user, please note that we only provide our site for domestic and private use and in particular, we will not be liable for: 

  • Loss of profits, sales, business or revenue; 

  • Business interruption; 

  • Loss of anticipated savings; 

  • Loss of business opportunity, goodwill or reputation; or 

  • Any indirect or consequential loss or damage. 

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability for any loss of profit, loss of business, business interruption or loss of business opportunity. 

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, date or other proprietary material due to your use of our site or to your downloading of any content on it, or any website linked to it.

Links to third party website

This website may contain links to other websites owned and operated by third parties. We are not responsible for the content of any third party website. No reference to any third party or link to any website operated by a third party shall constitute or be construed as an endorsement or recommendation by BF&M of that third party. 

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them. 

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of goods by use to you, which will be set out in our Transaction Terms and Conditions.


We do not guarantee that our site will be secure from bugs and viruses. 

You are responsible for configuring your information technology, computer programs and platform in order to access our site. You should use your own virus protection software. 

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you may commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

You may link to our home page, provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. 

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. 

You must not establish a link to our site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. 

We reserve the right to withdraw linking permission without notice. 

If you wish to make any use of content on our site other than that set out above, please contact [email protected].

Applicable law

Your use of this website and any dispute arising out of such use is subject to the laws of Bermuda. Any such dispute is subject to the exclusive jurisdiction of the Bermuda courts.

Regulations and privacy

This website is regulated by the Electronic Transaction Act 1999 and the Standard for Electronic Transactions issued thereunder. 

The protection of your privacy and the confidentiality of your personal information are important to BF&M. The company has its own Privacy Policy as outlined on this website.


If you require any further information relating to these terms and conditions please contact us at [email protected].