Legal and privacy

This page contains the terms and conditions for the use of the website https://www.lignoferox.com and the privacy policy for Bohyme BV | Ligno Ferox | Wood Guard, its subsidiaries and its affiliates (“Bohyme BV | Ligno Ferox | Wood Guard”). However, this policy should be read in conjunction with the relevant local privacy statement or policy and where there is a conflict, the local statement or policy shall prevail.

General terms and conditions

In this section you will find the terms and conditions under which Bohyme BV | Ligno Ferox | Wood Guard provides the information on this website https://www.lignoferox.com, as well as the terms and conditions for your use of this website https://www.lignoferox.com and the information you provide to us. By using this https://www.lignoferox.com, you have agreed to these terms and conditions as stated below (“Agreement”), as well as all applicable laws that may apply to internet use. We reserve the right to change these Terms and Conditions at any time. Please check these Terms and Conditions periodically for changes. By using this https://www.lignoferox.com after we post changes to these Terms and Conditions, you agree to accept those changes, whether or not you have reviewed them. If at any time you choose not to accept these Terms of Use, please do not use this https://www.lignoferox.com. Your continued use of these pages constitutes your agreement to and acceptance of the following terms and conditions:

Restrictions on Use of Materials The contents (“Content”) of this website https://www.lignoferox.com are protected by copyright under Dutch and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws. You must retain all copyright and other proprietary notices contained in the Content on any copy you make of any portion of the Content. You may not sell or modify any portion of the Content or reproduce, display, distribute, or otherwise use the Content for any public or commercial purpose. You may quote or reference information on this website https://www.lignoferox.com and make copies of the information for your own personal use, but that is all. You must have our written permission to distribute copies of the information to others. To request such permission, please send an email message to:

info@lignoferox.com Attn. Bohyme BV | Ligno Ferox | WoodGuard

Accuracy of the information on https://www.lignoferox.com

While Bohyme BV | Ligno Ferox | Wood Guard strives to provide accurate and up-to-date information on this website https://www.lignoferox.com, we cannot guarantee that this is the case. We make no representations about the accuracy, reliability, completeness, or timeliness of the content of the website https://www.lignoferox.com and make no warranties, express or implied, as to the content or accuracy of information of the https://www.lignoferox.com. It is your responsibility to evaluate the accuracy, completeness, or usefulness of the content herein. Should you have any questions regarding the Content of the https://www.lignoferox.com, please send an e-mail message to the e-mail address in the previous paragraph.

No Professional Advice The information on the website https://www.lignoferox.com is distributed with the understanding that Bohyme BV | Ligno Ferox | Wood Guard does not provide professional advice of any kind. Nothing on this website https:://www.lignoferox.com implies or creates a relationship of any kind for contractual, liability or any other purpose. If you wish to enter into a contractual relationship with Bohyme BV | Ligno Ferox | Wood Guard, this must be done affirmatively and with the written consent of all parties. The content of this website https://www.lignoferox.com cannot replace or substitute the services of trained professionals in any field. If you have a question or problem that requires professional consultation regarding law, insurance, tax or financial planning or any other area, you should consult a professional in the appropriate field. Any reliance on the information contained herein is solely at your risk.

Operation of https://www.lignoferox.com No representation or warranty is made that functions contained in the https://www.lignoferox.com website will be uninterrupted, error-free, virus-free, free of harmful components, or that any defects will be corrected.

Links This website https://www.lignoferox.com may contain links to websites https://www.woodguard.nl that are owned, operated or maintained by parties other than Bohyme BV | Ligno Ferox | Wood Guard. Such links are provided for your reference only. Bohyme BV | Ligno Ferox | Wood Guard has no control over external websites and is not responsible for their content. Bohyme BV | Ligno Ferox | Wood Guard’s inclusion of any link to an external website does not imply any endorsement of the material on https://www.lignoferox.com or, unless otherwise expressly stated, sponsorship, affiliation or association with the owner, operator or sponsor. If you wish to provide a hypertext link from your website https://www.example.com to our website https://www.lignoferox.com, you must obtain our permission before doing so. To obtain such permission, please send an e-mail or letter to the address provided in the “Restrictions on Use of Materials” section. In your note, please include your name and phone number, a description of your website, and the reasons you wish to link to the https://www.lignoferox.com website. We will review your website before granting you permission. If we grant you permission, we reserve the right to revoke our permission to link to our website https://www.lignoferox.com at any time.

Indemnification You agree to defend, indemnify and hold harmless Bohyme BV | Ligno Ferox | Wood Guard its representatives, officers, directors and employees, agents and assigns from and against any and all liabilities, claims, costs and expenses, including attorneys’ fees, arising from your use of the https://www.lignoferox.com, your posting, downloading or transmitting any communications or material on this https://www.lignoferox.com, or your violation of any applicable law.

Limitation of Liability In no event shall Bohyme BV | Ligno Ferox | Wood Guard or any of its agents, employees, directors, officers, subsidiaries or affiliates be liable for any damages whatsoever to you, including, without limitation, any direct, actual, special or consequential damages, resulting from (1) your use of, or your inability to use, this Bohyme BV | Ligno Ferox | Wood Guard website. Wood Guard https://www.lignoferox.com or any linked website from https://www.lignoferox.com, or(2) from the content of this website https://www.lignoferox.com or any linked website, or(3) viruses, bad code or other harmful effects that may result to users of the website https://www.lignoferox.com or any linked website, or(4) disclosure of your personally identifiable information that may occur over the Internet due to your use of this website https://www.lignoferox.com or any linked website, or(5) from any other cause resulting from your use of this website https://www.lignoferox.com or any linked website, even if Bohyme BV | Ligno Ferox | Wood Guard is advised of the possibility of such damages.

Restricted Access Pages Some pages on this website https://www.lignoferox.com are restricted to authorized users only. Unauthorized use of or access to these pages is strictly prohibited and may subject you to administrative action and/or criminal prosecution and revocation of access. Bohyme BV | Ligno Ferox | Wood Guard may monitor and record your use of these pages. Evidence of your use collected during monitoring or recording may be used for administrative and/or criminal action. Your continued use of these pages constitutes consent to monitoring and recording.

Software Licenses You acknowledge that software available or provided to you on this website https://www.lignoferox.com may contain technology that is subject to strict controls by various agencies of the United States Government. You hereby agree not to transfer or export any such software from the United States except in compliance with the export laws and regulations of the United States. Bohyme BV | Ligno Ferox | Wood Guard does not authorize the downloading or export of any software or technical data from this website https://www.lignoferox.com to any jurisdiction that is prohibited by any applicable laws or regulations.

Termination You acknowledge and agree that Bohyme BV | Ligno Ferox | Wood Guard may terminate or deny access to all or any part of the services, products or materials available at this website https://www.lignoferox.com without notice if you engage in any conduct or activity that Bohyme BV | Ligno Ferox | Wood Guard believes in its sole discretion violates any of these Terms and Conditions or any other rule, regulation or applicable law. Neither Bohyme BV | Ligno Ferox | Wood Guard nor any of its officers, agents or employees shall be liable to you in the event of any such termination.

General This Agreement constitutes the entire agreement between you and Bohyme BV | Ligno Ferox | Wood Guard with respect to this website https://www.lignoferox.com and supersedes all other agreements, whether oral or written. The failure of Bohyme BV | Ligno Ferox | Wood Guard to insist upon strict performance of any term or provision of the Agreement shall not be construed as a waiver of any subsequent failure to comply with such term or provision. This Agreement is personal to you and is not assignable by you, although Bohyme BV | Ligno Ferox | Wood Guard may assign it to any successor in interest. If any provision of this Agreement is held invalid or unenforceable under law, the remaining provisions will remain in full force and effect and the invalid or unenforceable provision will be construed as nearly as possible to reflect the original intent thereof. This Agreement shall be governed by the laws of the United States and the State of Delaware as if the Agreement were wholly entered into and performed within Delaware. You agree that any violation of this Agreement by you may result in irreparable harm to Bohyme BV | Ligno Ferox | Wood Guard entitling Bohyme BV | Ligno Ferox | Wood Guard to equitable relief. Any questions or concerns regarding the terms of this Agreement should be directed to info@lignoferox.com attn. Bohyme BV | Ligno Ferox | Wood Guard

Privacy Statement

Bohyme BV | Ligno Ferox | Wood Guard respects and values the privacy of personally identifiable information (“PII”). Accordingly, Bohyme BV | Ligno Ferox | Wood Guard has adopted a Privacy Policy regarding privacy practices in our business operations and for our website https://www.lignoferox.com . Our business operations and information provision through our website https://www.lignoferox.coms are not directed to individuals under the age of 18. The purpose of this Privacy Statement is to disclose the privacy practices of Bohyme BV | Ligno Ferox | Wood Guard.

If you have any questions or comments about the contents of this notice, please contact us at:

 info@lignoferox.com Attn. Bohyme BV | Ligno Ferox | WoodGuard

Information gathering

Personally Identifiable Information We collect PII as required to operate our business, including, but not limited to, the following:

• _ Information we receive in connection with the processing of claims, such as the claimant’s occupation, employer, social security and driver’s license numbers, protected health information (“PHI”, as further defined below), nonpublic personal financial information (“NPFI” as further defined below), and trade secrets (as defined below);

• _ Information relating to your transactions with us, our affiliates or previous insurers or employers, such as your policy coverage, claims information, premiums and payment and claims history;

• _ Data necessary to process your application with us;

• _ Information to better understand your needs as they relate to the products

and services of Bohyme BV | Ligno Ferox | Wood Guard; and

• _ Other parties as required by our business operations on websites “PHI” is defined as personally identifiable health information maintained or transmitted by our company in the course of performing our contractual obligations with customers. This type of information includes information in electronic, paper, and oral form. “NPFI” is defined as information of a financial nature shared with us by a current, potential, or prior customer in the course of providing products and services to that customer. This type of information is not otherwise available to the public and includes, but is not limited to, the following: credit history, financial benefits, national identifiers, account numbers, business records, accounting information relating to the customer, contracts to which the customer is a party, claims to which the customer is a party, customer policy information, and any other customer information that is financial in nature.

“Trade Secrets” are defined as any proprietary information of a current, potential or prior customer acquired through the conduct of our business with that customer or through the provision of products and services provided by us to the customer. Such information is not otherwise available to the public and includes, but is not limited to, the following: business records, contracts, claims, products, business methods, data processing procedures, marketing strategies, ongoing projects or proposals, mailing lists, and any other information relating to a customer’s business, products or services, whether or not protected by or protected under applicable patent laws. Bohyme B.V. | Ligno Ferox | Wood Guard’s policy is to collect, process and disclose sensitive PII only as necessary to comply with legal or contractual obligations or with your consent. Sensitive PII includes PHI and medical information if relevant to a claim.

Cookies and Click Streams “Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive for record-keeping purposes. Cookies and other user tracking devices (e.g., local shared objects) are used to determine whether a visitor is unique or whether a visitor has previously viewed our website https://www.lignoferox.com, and for other website https://www.lignoferox.com improvement purposes. We may use these tracking devices, including “persistent cookies” that remain on your computer even after you close your browser, to give you access to your personalized content without having to log in each time you visit. Although most browsers are set to accept cookies and other tracking devices by default, you can set yours to refuse tracking devices or to warn you before accepting them. By disabling tracking devices, you may not have access to the full set of features of our website https://www.lignoferox.com. Your browser manufacturer has information about how to change the default setting for your particular browser.

In addition to information that you voluntarily provide to us, we may collect other non-personally identifiable information in connection with the operation of our website https://www.lignoferox.com, including, but not limited to, Internet Protocol (“IP”) addresses and browser or operating system information. We may also capture clickstreams, which record where you click while surfing the Internet, to help us learn which parts of our website https://www.lignoferox.com are most popular and among which audiences. The typical data we look at includes, but is not limited to, audience size, return visit rate, pages visited, time spent on pages, and similar data. This information is used to optimize our user interface, improve content, and customize our website https://www.lignoferox.com content and layout to better serve our customers and visitors. Such information is collected or maintained by us or by service providers acting on our behalf. If you have provided us with your email address, we may use this information to contact you or to identify the pages you view when you visit our website https://www.lignoferox.coms, the amount of time spent on them and other similar data.

Information Use and Consumer Choice In the course of our business, we use the information you provide to handle and analyze claims, to process job applications, or to provide you with information about our products and services. We may share information you provide to us on a need-to-know basis or as otherwise required by law. In certain situations, we share information about you:

• _ With government agencies, but only to the extent we are required to disclose PII pursuant to legal process served on us by the government agency;

• _ With law enforcement agencies;

• _ With our affiliated companies or a third party as reasonably necessary to enable them to assist in providing our services to customers, fulfilling requests you make, or business transactions you conduct, relating to claims handling and analysis, employment inquiries and on or otherwise solely to provide contracted services to us;

• _ With credit reference and fraud prevention agencies and other third parties, including insurers and claims adjusters, to prevent and detect fraud;

• _ To protect or defend our legal rights or property or the interests of customers or users of our website https://www.lignoferox.coms;

• _ To respond to claims that postings or other content violate the rights of third parties;

• _ To protect the health and safety of users of our website https://www.lignoferox.com or the general public when there is an emergency.

How we use your Personal Data

We use this Personal Data to:

• _ Communicate with you and other interested parties to manage your claim.

• _ To retain your employment data while you are an employee and for a period thereafter

• _ To send you important information about your claim and other administrative information.

• _ To make decisions about damage assessment, processing and settlement.

• _ Manage claim disputes, if applicable.

• _ Ensuring better quality, training and security (for example, with regard to recorded or monitored telephone calls to our telephone numbers).

• _ Preventing, detecting and investigating crime, including fraud and money laundering, and analysing and managing other commercial risks.

• _ To conduct market research and analysis, including satisfaction surveys.

• _ Manage our business operations in order to comply with internal policies and procedures including those relating to financial, accounting and billing controls, IT systems, data and website https://www.lignoferox.com hosting, business continuity, document and print management.

• _ Resolve complaints and handle requests for data access or correction.

Sharing of Personal Data

Bohyme BV | Ligno Ferox | Wood Guard may share your personal data with the following parties for the purpose of assessing the claim or as required by law:

• _ Our gorep companies.

• _ Other insurance and distribution parties.

• _ In the context of claims processing, we may make Personal Data available to third parties such as reinsurance brokers, appointed representatives, distributors, financial institutions, securities firms and other business partners

• _ Our service providers.

• _ External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical care providers.

• _ IT systems, support and hosting service providers, document and records management providers and outsourced service providers that help us carry out business activities.

• _ Banks and financial institutions that service our accounts, third party claims administrators, claims investigators, construction consultants, engineers, examiners, jury consultants, translators and similar third party providers.

• _ Payroll providers if you are an employee and other employee benefits providers.

• _ Authorities and third parties involved in legal proceedings.

• _ We may share Personal Data with government or other governmental agencies (including, but not limited to, workers’ compensation boards, courts, law enforcement agencies, tax authorities, and criminal investigation agencies); and outside civil litigants and their accountants, auditors, attorneys and other advisors and representatives, as we believe necessary or appropriate:

▪ _ to comply with applicable laws and regulations, including those outside your country of residence

▪ _ to comply with legal processes

▪ _ to respond to requests from government and public authorities, including government and public authorities outside your country of residence

▪ _ to protect our operations or those of any of our group companies

▪ _ to protect our rights, privacy, safety or property and/or that of our group companies, you or others

▪ _ to allow us to pursue available remedies or limit our damages.

• _ Other third parties.

• _ We may share Personal Data with emergency services (fire, police and emergency medical services); retailers; medical organisations and providers; travel carriers; credit bureaus; credit reporting agencies; and other persons involved in an incident for which a claim has been made; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganisation, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business. In order to verify information provided and to detect and prevent fraudulent claims, Personal Data (including details of injuries) may be placed on claims registers and shared with other insurers. We may search these registers when handling claims to detect, prevent and investigate fraud.

• _ We may also outsource certain functions, including the operation of certain website https://www.lignoferox.com features that require access to information you provide online. In such cases, however, we require that the companies acting on our behalf adhere to our privacy practices and maintain safeguards to protect the confidentiality of your information.

• _ We may contact you in response to your comments or questions, as part of servicing your account with us (if you have one), or to complete a transaction that you have requested. We may also contact you to tell you about other products or services we think may be of interest to you, but we offer you the opportunity to opt out of receiving such communications. If you decide that you do not want to be contacted by Bohyme BV | Ligno Ferox | Wood Guard, or to request that we limit the use and disclosure of your PII, you can send an email to info@lignoferox.com attn. Bohyme BV | Ligno Ferox | Wood Guard with such requests.

If our business or assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization or liquidation, we may transfer, sell or assign information concerning your relationship with us to third parties, including, but not limited to, personally identifiable information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our website https://www.lignoferox.com and such third parties will assume the rights and obligations with respect to such information as described in this Privacy Statement.

Outside of the recipients and purposes listed above, we do not use, disclose, sell or transfer PII without consent, unless required or permitted by law or regulation. Please note that if you choose not to provide such consent and are required by law to do so before we use, disclose, sell or transfer your PII, including sensitive PII, we may not be able to process your claim, application request or other transaction. The recipients of our information may be located in countries around the world. If the recipient is not affiliated with Bohyme BV | Ligno Ferox | Wood Guard, except as noted above, the privacy practices of the recipient will apply to its use and disclosure of the transferred information.

In the context of an onward transfer from Bohyme BV | Ligno Ferox | Wood Guard, the ISP will be responsible for the processing of personal data it receives, under the Privacy Shield, and subsequently transfers to a third party acting as an agent on its behalf. Bohyme BV | Ligno Ferox | Wood Guard will remain liable under the Principles if its agent processes such personal data in a manner inconsistent with the Principles, unless the organization proves that it is not responsible for the event giving rise to the damage (https://www.privacyshield.gov/article?id=7-RECOURSE-ENFORCEMENT-AND-LIABILITY).

Toegang en correctie Als claims managementbedrijf kennen we het belang van nauwkeurige gegevens. Daarom streven we ernaar om de nauwkeurigheid van de informatie die we verzamelen te behouden. We bieden u toegang tot PII die u ons verstrekt zolang we die informatie in een gemakkelijk toegankelijk formaat bewaren. Evenzo staan wij u toe en moedigen wij u aan om onjuistheden in de informatie die u ons verstrekt te corrigeren. Waar wettelijk vereist, staan we u ook toe om verwijdering te vragen of bezwaar te maken tegen de verwerking van uw gegevens. Houd er rekening mee dat we, zoals vermeld in de bovenstaande algemene voorwaarden, geen verklaringen afleggen over de nauwkeurigheid, betrouwbaarheid, volledigheid of tijdigheid van de inhoud van onze website https://www.lignoferox.com en geen garanties geven, expliciet of impliciet, voor de inhoud of nauwkeurigheid van informatie op onze website https://www.lignoferox.com. Als u toegang wilt tot PII die u ons hebt voorgelegd, om de correctie te vragen van alle onjuiste informatie die u ons hebt verstrekt, om verwijdering te vragen, om bezwaar te maken tegen de verwerking van uw gegevens of om een papieren kopie van deze Privacyverklaring aan te vragen, stuur dan een e-mail met uw contactgegevens naar:

info@lignoferox.com t.a.v. Bohyme B.V. | Ligno Ferox | Wood Guard.

Beveiliging We erkennen het belang van beveiliging voor uw PII en gebruiken redelijke administratieve, technische en organisatorische beveiligingen om deze te beschermen tegen verlies, misbruik, ongeoorloofde openbaarmaking of ongeoorloofde wijziging. Houd er echter rekening mee dat we niet kunnen garanderen dat onbevoegde derden nooit in staat zullen zijn om onze beschermingsmethoden te verslaan of uw informatie voor ongepaste doeleinden te gebruiken, of dat er geen fouten in de overdracht zullen optreden, en als zodanig wijzen we elke aansprakelijkheid voor dergelijk oneigenlijk gebruik, openbaarmaking, verlies of misbruik in de sectie Algemene Voorwaarden hierboven af en beperken we deze. We beperken de toegang tot PII tot werknemers en door ons ingeschakelde derde partijen die namens ons werken en die toegang nodig hebben om hun taken uit te voeren. We handhaven fysieke, elektronische en procedurele waarborgen die voldoen aan alle toepasselijke wetten die uw PII beschermen. De computers en servers waarin wij PII opslaan worden in een beveiligde omgeving bewaard.

Links naar https://www.lignoferox.com

Zoals vermeld in de algemene voorwaarden hierboven, kunnen onze website https://www.lignoferox.coms links bevatten naar andere websites die geen eigendom zijn van of door ons worden beheerd en waarvan we denken dat ze nuttig of interessant voor u kunnen zijn. Wij zijn echter niet verantwoordelijk voor de privacypraktijken die door andere website eigenaren worden gebruikt of de inhoud of nauwkeurigheid op die andere websites. U kunt rechtstreeks contact opnemen met die websites voor hun individuele privacybeleid.

Wijzigingen in de privacyverklaring Wij behouden ons het recht voor om deze Privacyverklaring van tijd tot tijd te herzien om wijzigingen in onze privacypraktijken weer te geven. We raden u aan om onze website https://www.lignoferox.com, en deze Privacyverklaring in het bijzonder, regelmatig te bekijken voor updates of wijzigingen in onze privacypraktijken. Uw voortdurende toegang tot of gebruik van een van onze website https://www.lignoferox.coms wordt beschouwd als uw aanvaarding van alle privacypraktijken die in deze Privacyverklaring worden beschreven, inclusief eventuele wijzigingen, ongeacht of u ze al dan niet hebt beoordeeld. Houd er rekening mee dat dit beleid niet bedoeld is om contractuele of andere wettelijke rechten te creëren in of namens Bohyme B.V. | Ligno Ferox | Wood Guard of u of een andere partij.

Bohyme B.V. | Ligno Ferox | Wood Guard voldoet aan het EU-VS Privacy Shield Framework zoals uiteengezet door het Amerikaanse Ministerie van Handel met betrekking tot het verzamelen, gebruiken en bewaren van persoonlijke informatie die van de Europese Unie naar de Verenigde Staten wordt overgedragen. Bohyme B.V. | Ligno Ferox | Wood Guard heeft aan het Ministerie van Handel verklaard dat het zich houdt aan de Privacy Shield Principles. Als er een conflict is tussen de voorwaarden in dit privacybeleid en de Privacy Shield Principles, zijn de Privacy Shield Principles van toepassing. Ga voor meer informatie over het Privacy Shield- programma en om onze certificering te bekijken naar https://www.privacyshield.gov/.

In overeenstemming met de Privacy Shield Principles verbindt Bohyme B.V. | Ligno Ferox | Wood Guard zich ertoe klachten over onze verzameling of gebruik van uw persoonlijke gegevens op te lossen. EU-personen met vragen of klachten over ons privacybeleid moeten eerst contact opnemen met Bohyme B.V. | Ligno Ferox | Wood Guard via: info@lignoferox.com

Bohyme B.V. | Ligno Ferox | Wood Guard heeft zich er verder toe verbonden om samen te werken met de EU- gegevensbeschermingsautoriteiten (DPA’s) met betrekking tot onopgeloste klachten over het Privacy Shield. Als u niet tijdig een bevestiging van uw klacht van ons ontvangt, of als we uw klacht niet naar tevredenheid hebben behandeld, neem dan contact op met de EU-DPA’s voor meer informatie of om een klacht in te dienen. De diensten van EU-DPA’s worden kosteloos aan u geleverd. De Federal Trade Commission is bevoegd voor Bohyme B.V. | Ligno Ferox | Wood Guard naleving van het Privacy Shield. Houd er rekening mee dat personen zich in bepaalde omstandigheden kunnen beroepen op bindende arbitrage voor klachten die niet door andere Privacy Shield-mechanismen zijn opgelost. De volgende link geeft meer informatie: https://www.privacyshield.gov/.

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