GENERAL EXCLUSIONS:

We will not cover any claim by you under this policy arising directly or indirectly from the following:

1. Any event or circumstances which were known to you prior to inception of this policy that could reasonably lead to an Insured event under this policy.
2. Any action or omission of you or any misbehavior of you which is intentional, malicious, deliberate or reckless.
3. Any action or omission in your capacity as employee or self-employed person as well as any professional or business activity.
4. Loss of or damage to tangible property and any consequential losses resulting therefrom, including the loss of use of tangible property.
5. Investment or trading losses including without limitation any inability to sell, transfer or otherwise dispose of securities.
6. Bodily injury, psychological harm shall not apply to anxiety or mental stress as set forth in Identity Theft.
7. Misappropriation, theft, infringement or disclosure of any intellectual property (such as patents, trademarks, copyrights). However, theft, infringement, misuse or abuse of patents will always remain excluded.
8. Third party claims made by family members, any person residing with the Insured, made from Insured or any joint account holder with the Insured.
9. Any contractual liability.
10. Any costs of betterment of your personal device beyond the state existing prior to the Insured event, unless unavoidable.
11. Loss, misplacement, destruction, modification, unavailability, inaccessibility of and/or delay in trading with cryptocurrencies, consisting of coins (e.g. Bitcoin, Ethereum, Ripple, IOTA), tokens (e.g. EOS, Nem, Tether) or public and/or private keys being used in conjunction with the aforementioned.
12. Gambling online and or otherwise.
13. Any Director and Officer Liability or any professional liability.
14. Any loss sustained by you by accessing any restricted or websites banned by the relevant authority over internet.
15. Losses sustained by the Insured Person(s) resulting directly or indirectly from any fraudulent or dishonest acts committed by Insured Person(s)’s employee or family member, acting alone or in collusion with others.
16. Losses due to the failure, outage/disturbance of infrastructure (e.g. electricity, gas, water, internet service, satellite, cable, telecommunications, or other utility services).