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Terms of Use

Japanese

This website (http://ms-ad-hd.com/), hereafter referred to as “the Website”, is managed under the administration of MS&AD Insurance Group Holdings, Inc. (“the Company”). We ask that you please read the following cautionary statement and understand its contents before using the website.

1. Forecasts and Estimates

Information contained in this Website includes data of all MS&AD Insurance Group (including the Company) and a wide range of information including the news releases aimed at news media. Although we pay utmost attention to the truthfulness of the information and update of them, we do not guarantee complete accuracy.
This Website only functions as a supplementary method for disclosure of information mandated by law or the stock exchange to be disclosed. We recommend that you also consult the original information disclosed according to the regulations of the stock exchange, such as in our annual securities reports and TDnet (Timely Disclosure Network system).
Also, not all information released by news media are presented in the site, and they are often excerpts taken from the complete content.

2. Future Forecasts

The Website includes statements regarding future performance forecasts for the Company and Group companies. These statements entail certain risks and uncertainties, and the actual performance may differ from the figures forecasted depending on the economic trend, fluctuations in the exchange rate, and changes in various systems including taxation.

3. Stock Quotation

Stock price information on this site is provided by Euroland.com.While Euroland.com makes every effort to ensure the accuracy of this information, neither Euroland.com nor the Company makes any warranty regarding the content. Neither company shall be responsible for any damages arising based on this information.

4. Disclaimers

The Company will not be held responsible for any trouble or damages caused by using the Website. In addition, the Company will not be held responsible for any trouble or damages caused due to interruptions or discontinuations of the site, or alterations in the disclosed information.

5. Copyrights

All content on the Website (information, design, logo marks, and other matter) is copyrighted by the Company. The reproduction, use, or editing of content without prior consent is prohibited.

6. Security

The Company makes the utmost effort to prevent illegal access, falsification, and other illegal activities in regard to customer information through the Website. Toward this end, Secure Sockets Layer (SSL) data-signal codification is used for the input of customer data. In addition, firewalls have been installed to protect information on the Website.

7. Handling of Customer Information

Please go to the following link for information on handling of customer information.

8. Recommended Browsers

Web browser

Following web browsers are recommended for viewing this website.

Windows
· Internet Explorer 8 or higher
· Mozilla Firefox Latest version
· Google Chrome Latest version
Mac OS X
· Safari Latest version
· Mozilla Firefox Latest version
· Google Chrome Latest version

Plugins

This Website requires you to install various plugin software such as Adobe Flash Player, Real Player or Windows Media Player to view videos, and Adobe Reader to view PDF data.
These can be downloaded at the following links:

JavaScript

This Website uses JavaScript. You may experience errors in viewing or navigating the page if you have turned JavaScript functions off on your browser. Please turn on JavaScript in your browser settings when viewing the site.

Style Sheets

Some pages on this Website are structured using CSS (Cascading Style Sheets) technology. Please turn on CSS to view the pages properly.

Popup Sites

The Website may inevitably use popups at times. You may experience errors in viewing these pages if you have blocked popups in your browser. To view the pages properly, please unblock popups in your browser settings.

Regarding Frames

Some pages of this site use a technology known as “frames” (including iframe), and depending on your browser environment, may not display correctly. If that is the case, please use one of the browser versions suggested above.

9. Accessibility

Website accessibility refers to efforts to create a site more easily usable by all visitors, while considering the needs of the elderly, the physically challenged, and beginning computer users.
In working to build an accessible site, we established our own proprietary guidelines based on the “Guidelines for Web Construction with Consideration for the Elderly and Disabled – Equipment, Software, and Services in Information Communication. Part 3: Web Contents,” based on the Japanese Industrial Standard (JIS X8341-3) established in June, 2004.

Example of Accessibility Orientation

Sound Browser

Since it is designed in line with the Web standards, one can sufficiently gain the desired information from the sound browser. The written texts are also created with consideration to the sound browser's reading-aloud function.

Changing Font Size

To make it easy for visitors to this site to adjust text display size according to their needs, a button for changing text size has been added.

Icons used on this website

The following icons are used throughout this site to clearly represent linked pages and other actions available on this site.

  • In-site links
  • Links to external sites
  • PDF file
  • Excel/CSV file
  • Word file
  • In-site links
  • PowerPoint file
  • Compressed file (Zip format)
  • Audio content
  • Video content

10. Use of Cookies

The Website uses cookies in some cases with the aim of recording data on use, providing and enhancing core services, and otherwise facilitating business activities.

11. Other Matters

Japanese laws and ordinances apply to all matters regarding use of the Website.
The Tokyo District Court of Japan is the first court with special legal jurisdiction over any legal disputes or litigation.

*Microsoft Internet Explorer and Windows Media are registered trademarks or trademarks of Microsoft Corporation, of the United States, in the United States and other countries.
*RealPlayer is a registered trademark or filed for approval as a trademark by RealNetwork, Inc., of the United States in the United States and other countries.
*Adobe Flash Player and Adobe Reader are trademarks of Adobe Systems Incorporated.

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