Specialist Life & Living Benefits Reinsurer · Barbados
Structured. Selective. Reinsurance.
Specialist Capacity for the Selectively Chosen and Qualified
Tactful Re Ltd is a licensed specialist reinsurer incorporated in Barbados, providing structured and disciplined reinsurance capacity to selectively chosen and qualified life and living benefits insurers. We bring genuine actuarial depth, rigorous underwriting, and a long-term partnership model to every cedant relationship we accept.
"In life and living benefits reinsurance, disciplined selection is not caution. It is the foundation of every relationship we build. We do not seek volume. We seek the right cedants, and we serve them with the depth they deserve."
Tactful Re, Corporate Philosophy
Who We Are
Tactful Re Ltd is a specialist life and living benefits reinsurer incorporated in Barbados and regulated by the Financial Services Commission as a Class 2 Reinsurer. We exist to provide a carefully chosen group of cedants with structured, reliable, and actuarially disciplined reinsurance capacity from a carrier built entirely around these risk classes.
Our selection process is deliberate. We engage only with life and living benefits insurers that meet our standards for underwriting quality, portfolio management, and governance. This selective approach protects the integrity of every relationship we enter, ensuring that the cedants we work with receive our full commitment, expertise, and long-term support.
"Tactful Re means what it says: reinsurance conducted with care, precision, and genuine respect for the cedant relationships that sustain it. We choose our partnerships carefully, and we honour them completely."
Tactful Re, Founding Principles
Our Commitment
Reinsurance is a business of trust. When a qualified cedant cedes a portion of their portfolio to Tactful Re, they are trusting that we will be there when claims arise, that our capital is genuine, our reserving is adequate, and our word is reliable. We take that trust seriously, and we earn it through disciplined underwriting and transparent partnership.
It is why we maintain exclusive focus on life and living benefits reinsurance. It is why we invest in genuine actuarial depth, not just commercial capacity. It is why we operate with the governance standards of the Pelicor Group behind us, providing the financial backing and institutional credibility that the cedants we serve deserve from a long-term reinsurance partner.
And it is why the name Tactful Re is not simply branding. It is a statement of how we believe this business should be conducted: with precision, with care, and an unwavering commitment to the relationships we have deliberately chosen to build.
A Pelicor Group Company
Tactful Re Ltd is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses. Pelicor Group provides the governance, capital management, and institutional credibility that cedants deserve from a long-term reinsurance partner.
Every cedant relationship Tactful Re accepts is built on technical depth across five interconnected disciplines: the foundations of rigorous, sustainable life and living benefits reinsurance.
01
Mortality
Deep expertise in mortality underwriting, pricing, and risk transfer across long-term life insurance portfolios, including quota share and excess of loss treaty structuring, select and ultimate mortality modelling, high-sum assured underwriting, and long-term mortality trend analysis for cedants in international markets.
02
Morbidity
Specialist morbidity reinsurance across critical illness and income protection portfolios, covering multiple international benefit definitions, incidence rate analysis, benefit wording review, claims trigger protocols, and ongoing claims assessment support for cedants operating in complex multi-market environments.
03
Long Term Insurance
Structured reinsurance for long-duration risk: disability, income protection, and long-term care, with deep expertise in disability definitions, occupation classes, rehabilitation management, claim trigger analysis, and the long-duration incapacity risk management that these products demand from a committed reinsurance partner.
04
Actuarial
Beyond risk transfer, Tactful Re provides hands-on actuarial support: product development review, pricing assistance, treaty structuring, reserving methodology guidance, and experience analysis. Our actuarial engagement works through each cedant's portfolio in detail, providing the technical partnership that long-duration reinsurance demands.
05
Portfolio Experience
Ongoing and systematic claims experience analysis, tracking actual versus expected mortality and morbidity, identifying emerging trends, and generating insights that strengthen cedant pricing decisions, product design, and capital management over the full life of the treaty relationship.
How We Work
Reinsurance Built on Selective Partnership
Tactful Re is not open to all cedants seeking to cede their risk. We engage with carefully selected insurers, building partnerships that reflect the long-duration nature of life and living benefits reinsurance, where quality always comes before volume.
01
Selective Cedant Engagement
We do not accept approaches from all cedants. We seek qualified, well-governed cedants whose portfolios and underwriting philosophy align with our standards. Tactful Re engages only with cedants that meet our standards for underwriting discipline, portfolio management, product quality, and governance. This selective model is not a constraint on our growth; it is the source of the quality that defines every relationship we hold.
02
Deep Actuarial Engagement
We engage at the actuarial level, not just the commercial level, ensuring every treaty is properly understood, appropriately priced, and accurately reserved from inception. Life and living benefits reinsurance is a long-duration commitment, and we invest deeply within those relationships — thinking in decades rather than annual cycles.
03
Experience Sharing & Transparency
We share claims experience data openly, because informed cedants make better decisions, which benefits both parties across the full life of the treaty. Being honest about the risks we will not accept is as important as the capacity we provide — disciplined selection protects cedants as much as it protects Tactful Re.
04
Structured Solutions, Not Templates
Every treaty is tailored to the specific cedant, their portfolio, and their regulatory and capital requirements, never lifted from a standard template. We work collaboratively to build solutions that reflect the unique characteristics of each partnership.
05
Claims Integrity
When claims arise, we settle them fairly, promptly, and consistently. A reinsurer that chases volume at the expense of quality is not a partner worth having. Our claims philosophy mirrors our underwriting philosophy: rigorous, honest, and consistent.
A Pelicor Group Company
Tactful Re Ltd is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses.
Tactful Re Ltd was established as a specialist life and living benefits reinsurer with a clear mandate: to provide a carefully selected group of qualified cedants with structured, reliable reinsurance capacity from a Barbados-based carrier with genuine actuarial expertise in long-term risk.
Our decision to focus exclusively on life and living benefits reinsurance was deliberate. These are complex, long-duration risk classes that demand specialist actuarial knowledge, deep product understanding, and a reinsurer with the patience and discipline to manage risk over decades. Our capabilities span mortality, morbidity, long term insurance, actuarial support, and portfolio experience: the five pillars of our specialist approach.
As a Pelicor Group company, Tactful Re benefits from group-level governance, capital management, and institutional credibility, providing the stability and financial backing that the cedants we accept as partners deserve from a long-term reinsurance relationship.
"The name Tactful Re reflects our philosophy: reinsurance conducted with precision, care, and genuine respect for the cedants we have chosen to serve, and who have chosen us."
Our Principles
What We Stand For
Principle 01
Specialist Focus
We underwrite exclusively within life and living benefits reinsurance. This specialist focus is not a limitation. It is the source of the depth and quality of expertise that distinguishes us from general reinsurers who treat life and living benefits as a small component of a diversified book.
Principle 02
Selective Partnerships
We do not seek to reinsure all cedants seeking to place risk. We identify and engage with carefully selected insurers whose underwriting standards, portfolio discipline, and governance philosophy align with our own. Quality of relationship matters more than breadth.
Principle 03
Actuarial Rigour
Every risk we accept is priced with actuarial rigour, reserved conservatively, and monitored continuously. We do not accept risks we cannot adequately model, and we do not underprice to compete on volume. Sustainable portfolios require honest pricing. Always.
Principle 04
Claims Integrity
When cedant claims arise, we assess them fairly, settle them promptly, and communicate transparently. Our claims philosophy is identical to our underwriting philosophy: rigorous, honest, and consistent, every time, without exception.
Principle 05
Long-Term Commitment
Life and living benefits reinsurance is measured in years and decades, not quarters. Our capital deployment, our treaty structures, and our cedant relationships are all built with permanence in mind. We think in decades, not cycles.
Principle 06
Regulatory Integrity
We operate within the highest standards of regulatory compliance, corporate governance, and financial transparency, as required by the FSC of Barbados and consistent with the governance standards of the Pelicor Group. Our cedants can rely on our standing.
The Group Behind Tactful Re
I. Talent
Concentration of Expertise
Pelicor Group was built so that every executive function sits within the parent company and flows to each subsidiary. Tactful Re benefits from that depth directly: the same leadership that sets group strategy also sets our underwriting standards and governs our capital position.
II. Reputation
The Leverage of a Name
Reinsurance relationships are built on trust in the counterparty's governance, financial standing, and willingness to honour obligations over the long term. Tactful Re carries the Pelicor Group's reputation into every cedant relationship, a reputation built on consistent governance standards and regulatory integrity across every market the Group operates in. Reputation is a structural asset, and ours is one we protect.
III. Perspective
A Global Outlook
Decades of international insurance and reinsurance experience across the Pelicor Group give us a perspective on risk, cedant behaviour, and market dynamics that a standalone specialist reinsurer could not accumulate alone. That perspective flows directly into how Tactful Re prices, reserves, and manages its long-term portfolio.
A Pelicor Group Company
Tactful Re Ltd is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses.
"Barbados provides one of the world's most respected reinsurance jurisdictions, combining sophisticated regulation with the connectivity and credibility that the cedants we serve require of their reinsurance partners."
Tactful Re, Jurisdiction Rationale
A Premier International Centre
Barbados is an internationally respected financial centre with a regulatory framework overseen by the Financial Services Commission (FSC), grounded in English Common Law, and meeting the highest international standards for transparency and cooperation. It is OECD-compliant, EU white listed, and fully FATF-approved. All Pelicor Group companies are independently audited by Deloitte.
For an international reinsurer, domicile is not merely an administrative detail. It is a signal of intent. A Barbados-licensed counterparty meets the approved reinsurer criteria applied by most international insurance regulators, giving cedants the confidence to place risk without encountering downstream objections from their own supervisors.
Barbados's extensive network of Double Taxation Agreements and Bilateral Investment Treaties facilitates efficient premium flows and reduces withholding tax friction, practical advantages that matter to the internationally operating cedants we work with.
Barbados has emerged as a growing hub for alternative risk financing structures. The Financial Services Commission's forward-looking regulatory approach includes active consideration of reinsurance adequacy frameworks and risk transfer mechanisms, positioning the jurisdiction as a centre for innovation in captive insurance and alternative risk management. This environment supports the sophisticated reinsurance strategies that modern cedants increasingly demand.
Regulatory Framework
Regulated to the Highest Standards
Tactful Re is licensed and regulated by the Financial Services Commission of Barbados as a Class 2 Reinsurer. For cedants in regulated markets, a Barbados-licensed counterparty meets the bar set by most international insurance regulators for approved reinsurer status.
"Barbados occupies a unique position as a reinsurance jurisdiction, combining the regulatory credibility of IAIS membership and FATF compliance with competitive economics, political stability, and a well-established financial services workforce."
Tactful Re, Jurisdiction Rationale
Regulatory Status
Class 2 Licensed Reinsurer
Financial Services Commission of Barbados
Permits reinsurance of unrelated third-party risk
Jurisdiction
Barbados, West Indies
Incorporated under the Companies Act of Barbados
Several of the world's largest global reinsurers have chosen Barbados for the same reasons we have.
International Standards
IAIS · FATF · OECD Compliant
EU white listed · AML/CFT compliant · English Common Law
Tactful Re Ltd is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses.
Life and living benefits reinsurance demands technical expertise at every stage, from initial product development and pricing through ongoing experience monitoring to claims assessment and settlement. Tactful Re has built capabilities across all five of these disciplines.
Mortality
Expert mortality underwriting and risk transfer across long-term life insurance portfolios in international markets, including select and ultimate mortality modelling, high-sum assured underwriting guidelines, long-term mortality trend analysis, and quota share and excess of loss treaty structuring calibrated to each cedant's specific portfolio characteristics.
Morbidity
Specialist morbidity expertise across international critical illness and income protection definitions, including benefit definition review, incidence rate analysis, claims assessment support, and claims experience monitoring. We understand the nuances of multiple CI definition standards and apply that knowledge to cedant treaty structuring and claims management.
Long Term Insurance
Long-duration disability and income protection expertise covering own-occupation and any-occupation definitions, rehabilitation management, claim trigger analysis, and disability incidence and recovery rate modelling. We understand the long-duration commitment these products represent, and we price and reserve accordingly.
Actuarial
Full-spectrum actuarial support: treaty pricing, reserving methodology, product development review, benefit definition drafting, and regulatory capital analysis. Every risk we accept is priced with actuarial rigour and reserved conservatively. Our actuarial engagement extends beyond the treaty to provide technical partnership throughout the relationship.
Portfolio Experience
Systematic, ongoing analysis of cedant claims experience data, tracking actual versus expected mortality and morbidity rates, identifying emerging experience trends, and generating insights for cedant pricing review, product management, and underwriting calibration. This turns the reinsurance relationship into a real data-sharing partnership.
Product Development
Actuarial support for qualified cedants developing new life and living benefits products, including benefit design review, definition drafting, pricing methodology, distribution modelling, and regulatory filing support. We help the cedants we partner with build sustainable products, backed by our full technical expertise.
Technical Capabilities
What We Bring to Every Partnership
Beyond reinsurance capacity itself, Tactful Re provides qualified cedants with access to technical capabilities that add real value to the cedant relationship.
Benefit Design Review
Definition & Wordings Analysis
Life and living benefits policy wordings are complex legal documents with significant actuarial implications. Tactful Re reviews benefit definitions, exclusion clauses, and claims trigger wording, helping qualified cedants identify ambiguities or coverage gaps before they become claims disputes. For CI and disability products operating across multiple jurisdictions, rigorous wording review is essential.
Underwriting Support
Medical & Financial Underwriting
We provide cedant partners with underwriting guidelines and support for individual life and living benefits cases, including age-sum assured limits, medical evidence requirements, and financial underwriting guidelines. For high-sum assured cases or complex medical histories, Tactful Re provides technical underwriting input to support the cedant's own underwriters.
Claims Assessment
Technical Claims Review
For cedants operating in markets where specialist CI or disability claims expertise is scarce, Tactful Re provides technical claims assessment support, reviewing medical evidence, applying benefit definitions, and providing structured opinions on borderline or complex claims scenarios. This reduces disputes, improves consistency, and builds cedant capability over time.
Data & Analytics
Portfolio Experience Monitoring
Regular, structured analysis of actual versus expected experience across all five disciplines: mortality, morbidity, long term insurance, actuarial reserving, and portfolio trends. Tactful Re tracks emerging experience, identifies portfolio drift, and shares those insights with cedant partners to support pricing, product, and capital management decisions.
A Pelicor Group Company
Tactful Re Ltd is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses.
Tactful Re engages with selectively chosen and qualified life and living benefits insurers seeking specialist reinsurance capacity and a genuine long-term partnership. Specialist life reinsurance brokers representing qualified cedants may submit enquiries on behalf of their clients. All enquiries are handled in strict confidence and receive a substantive response within five business days.
Tactful Re Ltd is a licensed Class 2 Reinsurer regulated by the Financial Services Commission of Barbados. Tactful Re does not transact direct insurance business with individuals or retail policyholders. Reinsurance is conducted exclusively with selectively chosen and qualified cedant insurance and reinsurance companies. All enquiries are handled on a strictly confidential basis.
A Pelicor Group Company
Tactful Re Ltd is a wholly owned subsidiary of Pelicor Group Inc., the parent and executive management company for a group of licensed insurance and reinsurance businesses.
This Privacy Policy explains how Tactful Re Ltd. ("Tactful", "we" or "us") collects, uses, shares, and protects your personal information when you use our website and services, in accordance with the Barbados Data Protection Act, 2019 (Cap. 579B) (as amended, the "Act"). We are committed to complying with the Act and maintaining the trust of our customers and stakeholders through the responsible and ethical use of data, and strive to handle personal data transparently, with due care, and in a fair and lawful manner.
What personal data do we collect?
We may collect various types of personal data depending on your interaction with our website and services, including:
Individual details: Name, address, email address, phone number, date of birth, gender, and other contact information
Identification details: Government-issued identification numbers as required for certain services
Financial information: Bank account details or payment information for processing premiums and claims payments
Website usage data: Information about your visits to our website, including your IP address, browser type, operating system, pages viewed, and the dates and times of your visits
Cookies and tracking technologies: We use cookies and similar technologies to collect information about your browsing activities on our website. You can manage your cookie preferences through our cookie settings
Communication data: Records of your communications with us, including emails and phone calls
How do we collect your personal data?
We collect personal data in the following ways:
Directly from you: When you provide information through our website forms, applications, or when you communicate with us
From authorised third parties: When you provide information to a third party authorised to share such information with us
Automatically: When you browse our website, we may collect certain information automatically through cookies and other tracking technologies
How do we use your personal data?
We may use your personal data for various purposes, including:
To provide and administer our reinsurance services (Contractual necessity)
To communicate with you, respond to your enquiries, and provide customer support (Consent)
To process transactions and manage your account (Consent and Contractual necessity)
To personalise your experience on our website (Consent)
To improve our website and services (Consent)
For marketing purposes, where permitted by law, including sending you promotional materials and updates about our products and services (Consent, where required, or legitimate interests). You can opt-out of these communications at any time
To prevent fraud and ensure the security of our website and services (Consent)
To comply with legal and regulatory obligations (Legal obligation)
How and when do we disclose personal data to third parties?
We may share your personal data with third parties in the following circumstances:
Affiliates: Other companies within the Tactful Re Ltd. group
Service providers: Third-party vendors who provide services on our behalf, such as IT support, data analytics, and marketing assistance. We require these service providers to protect your personal data
Business partners: With whom we collaborate to offer certain products or services
Legal and regulatory authorities: When required by law or to comply with legal processes
In connection with a business transfer: In the event of a merger, acquisition, or sale of all or a portion of our assets
We do not share your personal data with third parties for their direct marketing purposes without your explicit consent.
Data security
We have implemented reasonable technical and organisational security measures to protect your personal data against unauthorised access, use, disclosure, alteration, or destruction. These measures are regularly reviewed and updated to maintain their effectiveness. However, we cannot guarantee the absolute security of your information.
Data retention
We will retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by the Act and any applicable laws and regulations.
Your rights regarding your personal data
Subject to applicable law, you may have the following rights regarding your personal data:
Right to Access: You have the right to request access to the personal data we hold about you
Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data
Right to Erasure: You have the right to request the deletion of your personal data under certain circumstances
Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data under certain circumstances
Right to Data Portability: You may have the right to receive your personal data in a structured, commonly used, and machine-readable format and to transmit it to another controller
Right to Object: You may have the right to object to the processing of your personal data under certain circumstances, including for direct marketing purposes
Right to Withdraw Consent: If we process your personal data based on your consent, you have the right to withdraw your consent at any time
Right to Complain: You have the right to lodge a complaint with the Barbados Data Protection Commissioner if you believe that we have not complied with applicable data protection laws
To exercise any of these rights, please contact us using the contact information provided below. We may require you to verify your identity before processing your request.
Cookies and tracking technologies
Our website uses cookies and other tracking technologies to enhance your browsing experience and collect information about how you use our site. You can manage your cookie preferences through our cookie settings.
International data transfers
Your personal data may be transferred to and processed in countries outside of Barbados. In such cases, we will ensure that appropriate safeguards are in place to protect your personal data in accordance with applicable data protection laws.
Governing law
This Privacy Policy shall be governed by and construed in accordance with the laws of Barbados and the provisions of the Barbados Data Protection Act. Any legal action or proceeding arising out of or relating to this policy shall be brought exclusively in the courts of Barbados.
Updates to this privacy policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post any changes on this page and update the "Last Updated" date. We encourage you to review this Privacy Policy periodically.
Contact details
Tactful Re Ltd. Cidel Place, Lower Collymore Rock St Michael, BB11000, Barbados info@tactfulre.com
Last Updated: April 1, 2025
Terms of Use
Last Updated: March 2026
1. About These Terms
These Terms of Use govern your access to and use of this website and any other website operated by Pelicor Group Inc. or any affiliated Pelicor group company (together, the “Websites”).
In these Terms of Use, “Pelicor,” “we,” “us,” and “our” means Pelicor Group Inc. and its affiliated companies, including, where applicable: Stasis Insurance Ltd. (“Stasis”), Aceso Insurance Ltd. (“Aceso”), and Tactful Re Ltd. (“Tactful”).
Pelicor Group Inc. is incorporated in Barbados and serves as the parent and executive management company of the group. By accessing or using any of the Websites, you agree to be bound by these Terms of Use. If you do not agree, you should not use the Websites.
2. Licensing and Jurisdictional Limitations
The products, services, and information described on the Websites are intended only for persons or entities in jurisdictions where they may lawfully be offered or made available.
The Websites are not directed at persons resident in Barbados, and are not directed at any person in any jurisdiction where publication or availability of the relevant information would be unlawful or would require additional licensing, registration, filing, or approval.
Stasis and Aceso are Class 2 licensed long-term insurers in Barbados, and Tactful is a Class 2 licensed reinsurer in Barbados, each regulated by the Financial Services Commission of Barbados. Tactful provides reinsurance services to insurance companies and does not issue policies directly to the public.
You are responsible for ensuring that your access to and use of the Websites is lawful in your jurisdiction.
3. Information Only
The content on the Websites is provided for general informational purposes only. Nothing on the Websites constitutes legal, tax, regulatory, investment, insurance, brokerage, or other professional advice; constitutes an offer, solicitation, or invitation to purchase any insurance, reinsurance, or other product or service in any jurisdiction where such offer or solicitation would be unlawful; or creates any client, advisory, fiduciary, insurance, reinsurance, brokerage, or other contractual relationship between you and any Pelicor group company.
Submission of an enquiry through a Website does not constitute an application for insurance or reinsurance, does not bind coverage, and does not create any obligation on the part of any Pelicor group company to issue any policy, enter into any contract, or accept any risk.
Any product descriptions, summaries, examples, or illustrations on a Website are general in nature and may not describe all relevant terms, conditions, exclusions, limitations, or eligibility requirements.
In the event of any inconsistency between information on a Website and the terms of any issued policy, contract, or reinsurance agreement, the relevant policy, contract, or agreement will govern.
4. Accuracy of Information
We aim to ensure that information on the Websites is accurate and up to date. However, we do not represent or warrant that any content is complete, accurate, current, or free from error. Information on the Websites may be updated, changed, or removed at any time without notice.
You should not rely on the Websites as the sole basis for making any legal, tax, insurance, financial, or commercial decision. You should obtain independent professional advice appropriate to your circumstances.
5. Website Availability and Security
We may amend, suspend, withdraw, or restrict the availability of all or any part of the Websites at any time without notice. We do not warrant that the Websites will be available on an uninterrupted, timely, secure, or error-free basis, or that they will be free from viruses, malware, or other harmful components.
6. Intellectual Property
All content on the Websites, including text, graphics, logos, images, design, layout, software, and underlying materials, is owned by Pelicor, its affiliated companies, or its licensors, and is protected by applicable intellectual property laws.
Pelicor, Stasis, Aceso, Tactful, and their respective logos are trademarks of the Pelicor Group. You may view, download, and print material from the Websites for your own lawful, internal, and non-commercial use only, provided that you do not modify the material and that all proprietary notices remain intact.
7. Third-Party Links
The Websites may contain links to third-party websites or resources for convenience only. We do not control and are not responsible for the content, availability, security, or privacy practices of any third-party websites.
8. User Conduct
You agree not to use the Websites in any way that violates applicable law or regulation; to upload, transmit, or distribute any malicious code; to attempt to gain unauthorised access to any part of the Websites; to interfere with the proper operation of the Websites; or to copy, scrape, harvest, or systematically extract Website content or data except as permitted by law.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Pelicor and its subsidiaries, affiliates, directors, officers, employees, and agents shall not be liable for any loss, damage, liability, cost, or expense arising out of or in connection with your access to, use of, or inability to use the Websites, reliance on any content on the Websites, any interruption or unavailability of the Websites, or any third-party website linked from the Websites. This limitation applies to direct, indirect, incidental, consequential, special, punitive, and economic loss.
10. Indemnity
You agree to indemnify and hold harmless Pelicor, its subsidiaries, and their respective directors, officers, employees, and agents from and against claims, liabilities, damages, losses, costs, and expenses arising from your misuse of the Websites or your breach of these Terms of Use.
11. Governing Law and Jurisdiction
These Terms of Use and any dispute or claim arising out of or in connection with them or the Websites shall be governed by and construed in accordance with the laws of Barbados. The courts of Barbados shall have exclusive jurisdiction.
12. Severability and Waiver
If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. No failure or delay by us in exercising any right or remedy shall operate as a waiver of that right or remedy.
13. Changes to These Terms
We may revise these Terms of Use from time to time. Any updated version will be posted on the relevant Website with a revised “Last Updated” date. Your continued use of a Website after any changes are posted constitutes acceptance of the revised Terms of Use.
14. Contact Us
If you have questions about these Terms of Use, please contact the relevant Pelicor group company through the contact details provided on the applicable Website, or contact Pelicor Group Inc., Holetown, Saint James, Barbados.
