Terms and Conditions
Last updated: 5 November 2025
Our site https://maxis-gbn.com/, including the OneClient and OneMember portals linked on the site, (together the “Site”) is a Site operated by MAXIS GBN S.A.S for and on behalf of itself and its subsidiaries (“we”, “us”, “our”).
The MAXIS Global Benefits Network (“Network”) is a network of locally licensed MAXIS member insurance companies (“Members”) founded by AXA France Vie, Paris, France (“AXA”) and Metropolitan Life Insurance Company, New York, NY (“MLIC”). MAXIS GBN S.A.S, a Private Limited Company with a share capital of €4,650,000, registered with ORIAS under number 16000513, and with its registered office at 313, Terrasses de l’Arche – 92727 Nanterre Cedex, France, is an insurance and reinsurance intermediary that promotes the Network. MAXIS GBN S.A.S is jointly owned by affiliates of AXA and MLIC and does not issue policies or provide insurance; such activities are carried out by the Members. MAXIS GBN S.A.S operates in the UK through its UK establishment with its registered address at 1st Floor, The Monument Building, 11 Monument Street, London EC3R 8AF, Establishment Number BR018216 and in other European countries on a services basis. MAXIS GBN S.A.S operates in the U.S. through MAXIS Insurance Brokerage Services, Inc., with its registered office located in New York, USA, a New York licensed insurance broker. MLIC and Delaware American Life Insurance Company are the only Members licensed to transact insurance business in New York. The other Members are not licensed or authorised to do business in New York and the policies and contracts they issue have not been approved by the New York Superintendent of Financial Services, are not protected by the New York state guaranty fund, and are not subject to all of the laws of New York.
To contact us, please use our Contact Form or telephone us on +44 (0)20 3859 7766.
Your acceptance of these terms
By using our Site, you confirm that you accept these Terms of Service and that you agree to comply with them. If you do not agree to these Terms of Service, you must not use our Site.
We may amend these terms from time to time. It is your responsibility to check these Terms of Service periodically for changes, but if you have access to our portals, we will use reasonable efforts to notify you of any material changes to these Terms of Service. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.
2. Other terms that may apply to you
These Terms of Service refer to the following additional terms, which also apply to your use of our Site:
Our Privacy Policy, which explains how we collect, use and store your personal data.
Our Cookie Policy, which sets out information about the cookies on our Site.
If you have signed a contract as part of your engagement with us (such as a MAXIS Global Captive Agreement, MAXIS Global Pool Solution Agreement, MAXIS Member Agreement, or a Health and Wellness Services Agreement) please also refer to the terms of such contract which takes precedence over these Terms of Service.
3. Who our Site is aimed at
Our Site is largely aimed at corporate firms (such as our clients, potential clients, Members, brokers and consultants). Where our Site is accessed by employees, secondees, contractors or agents acting on behalf of any corporate firm (“authorised users”), the corporate firm remains fully responsible for all actions taken by such authorised user.
Our Site is mostly made available free of charge with the exception of our OneClient and OneMember portals, which are only available to those corporate firms (and their authorised users) who pay for relevant services pursuant to their contract.
4. Availability of our Site
We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons.
5. Disclaimers
The content on our Site is provided for general information or guidance only. It is not intended to amount to advice on which you should rely, and it may not apply to your particular circumstances. 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 and to ensure that is has been obtained from reliable sources, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date, and we are not responsible for any errors or omissions in such content. The information on our Site may be subject to change at any time without notice. Any reliance you place on this information is therefore strictly at your own risk, and we are not responsible for any reliance you place on, or the output from your use of, any such content.
Where our Site refers to third party services, websites or resources, this information is provided for your information only. Such information should not be interpreted as approval by us of the third parties, their services, websites or resources. You are responsible for carrying out your own checks on such third parties. You acknowledge that we may receive fees, commissions and/or other remuneration from third parties in connection with the services we carry out for you.
You acknowledge that not all of the services listed on our Site are available from all of our Members or to all clients. The services are subject to local market practices, and compliance with all applicable legal and regulatory requirements.
6. Viruses
We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform to access our Site. You should use your own virus protection software.
7. The portals accessible via our Site
If we grant you access to our portals (including the OneClient and OneMember portals), the following terms apply to your use of such portals:
You must keep your account secure. You will receive log-in credentials which you must not disclose to any person or otherwise allow any person to access a portal using your log-in credentials. If you know or suspect that anyone other than you knows your log-in credentials, you must promptly notify us via our Contact Form.
We may disable your account. We have the right to disable your account and/or the account of other authorised users within your organisation if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Service.
Your responsibilities to us. You agree that you will:
provide us with all necessary co-operation and access to information as we may require in relation to your use of a portal;
ensure that your network and systems comply with any relevant specifications notified to you, including without limitation a stable internet connection and using the latest version of web browser;
not access all or any part of the portal to build a product or service which competes with the portal;
not use the portal to provide services to third parties or otherwise share or make the portal available to any third party;
Uploading content to a portal. If you upload any content to a portal, you hereby grant a worldwide, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, prepare derivative works of and display that content: (i) to us so that we can exercise our obligations under these Terms of Service, our contract with you and/or any other relevant contract and (ii) to any client to which the content relates for their internal purposes. You agree to indemnify us for any claim by a third party alleging that their rights have been infringed resulting from our and/or our clients use of the data you upload to our Site.
Dashboards. You acknowledge that, in the event of any discrepancy between any dashboard contained on a portal and the applicable Microsoft Excel Report to which the dashboard relates, the Microsoft Excel Report shall take precedence.
Open Source Software. You acknowledge that the portals may include certain free and open source software components (together "open source software"). Notwithstanding any other term of these Terms of Service, your use of the open source software is governed exclusively by the terms applicable to the open source software and not these Terms of Service. You acknowledge that any open source software is provided on an “as is” basis, as between us and you.
8. Your acceptable use of our Site
Except as expressly set out in these Terms of Service or as permitted by any local law, you shall not:
use the Site to store, access, publish, disseminate, distribute or transmit any material which: (i) is unlawful, harmful, threatening, defamatory, obscene, infringing, harassing or racially or ethnically offensive; (ii) facilitates illegal activity, (iii) depicts sexually explicit images, (iv) promotes unlawful violence, (v) is discriminatory based on race, gender, colour, religious belief, sexual orientation, disability, or (vi) is otherwise illegal or causes damage or injury to any person or property;
knowingly introduce viruses, trojans, worms or other material that is malicious or otherwise harmfully interact with any part of our Site;
attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site or any other equipment or network connected with our Site, or attack our Site via a denial-of-service attack or a distributed denial-of-service attack;
interfere with, damage or disrupt any software used in the provision of our Site or any equipment or network or software owned or used by any third party on which this Site relies in any way;
copy, modify, distribute or create derivative works from any portion of the Site in any form or media or by any means;
de-compile, reverse compile, disassemble, reverse engineer or otherwise decrypt any part of the Site;
infringe our intellectual property rights or those of any third party in relation to your use of the Site (to the extent that such use is not licensed by these terms);
conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our Site, including using any "robot", "bot", "spider", "scraper" or other automated device to access, copy or republish any portion of our Site or any data, content, information or services accessed via the same, or any automated analytical technique aimed at analysing text and data in digital form to generate information or develop, train, fine-tune or validate AI systems or models which includes but is not limited to patterns, trends and correlations; or
not use our Site, or any data or information contained in our Site, for the purposes of developing, training, fine-tuning or validating any AI system or model;
not use the Site in any other unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously.
9. Your rights to use our Intellectual Property
We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. We grant to you a limited, non-exclusive, non-transferable, revocable licence to access and use the Site, and any materials contained on the Site, in accordance with these Terms of Service, solely for your internal business operations.
Our Site includes trademarks owned by us (or our licensors). You are not permitted to use them without our approval, unless as permitted under these Terms of Service.
You may use information purposely made available by us for downloading from the Site (including but not limited to articles, whitepapers, literature, dashboards, country guides, toolkits and reports), provided that you: (1) do not remove any copyright, disclaimer or proprietary mark, (2) use such information only for your personal, non-commercial, internal informational purpose, (3) keep such information private and confidential, and not share with any third party without our permission, (4) make no modifications to any such information, (5) not make any additional representations or warranties relating to such documents, and (6) if applicable, use such information in accordance with the terms of your contract with us.
You acknowledge that you have no right to have access to any software on the Site in source code form.
If you copy, download or otherwise share any part of our Site in breach of these Terms of Service, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
If you wish to contact us about any intellectual property rights in relation to the content on this Site, please email: [email protected] or write to our Legal Team at MAXIS GBN S.A.S, 1st Floor, The Monument Building, 11 Monument Street, London EC3R 8AF.
10. Linking to our Site
You may link to the homepage of our Site, provided 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 suggest any form of association, approval or endorsement on our part where none exists, and 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.
11. Our use of artificial intelligence
If you use any generative artificial intelligence tools contained within the Site (“AI Tools”), you acknowledge that you will not own the outputs of the AI Tools. These are licensed to you on a limited basis, solely for your internal business purposes. Any outputs of any AI Tools are provided to you on an “as is”, no-warranty and no- reliance basis. To the maximum extent permitted under applicable law, we and/or our licensors disclaim any and all liability in relation to the AI Tools and outputs thereof. It is your responsibility to check and verify the outputs of the AI Tools. You agree to indemnify us for any claim by any of our licensors alleging that your use of the AI Tools is illegal, infringing or unauthorised.
12. Data protection
We will use any personal data (as defined under applicable data protection laws) that we collect from you or that you upload to or access through our Site in accordance with our Privacy Policy, unless agreed otherwise with you in writing.
If you have access to a portal which contains personal data, you acknowledge that such personal data is only made available to individuals located in the United Kingdom or a country or territory which has been granted adequacy status by the UK government (“permitted territory”), or where adequate safeguards or relevant derogations are in place (“transfer mechanism”). If you are not located in a permitted territory, or a transfer mechanism is not in place, you must immediately discontinue use of the portals and notify us as soon as possible so that appropriate transfer mechanisms can be implemented. By accessing the portals, you warrant and represent to us that you are either located in a permitted territory or that a lawful transfer mechanism applies.
13. Your indemnity to us
You agree to indemnify and keep us indemnified in full against all liabilities, monies, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other professional costs and expenses) suffered or incurred by us in connection with your use of the Site or your breach of these Terms of Service.
14. Our responsibility for loss or damage suffered by you
We do not exclude or limit our liability to you where it cannot legally be limited, including liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
We exclude all implied conditions, warranties, representations or other terms that may apply to our Site or any content on it.
We will not be liable to you 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 (i) use of, or inability to use, our Site; or (ii) use of or reliance on any content displayed on our Site.
In particular, we will not be liable for: (i) loss of profits, sales, business, or revenue, (ii) business interruption, (iii) loss of anticipated savings, (iv) loss of business opportunity, goodwill or reputation, (v) any indirect or consequential loss or damage, (vi) wasted expenditure, or (vii) loss or corruption of data or information.
15. Events outside of our control
We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms of Service that is caused by any act or event beyond our reasonable control, including without limitation failure of public or private telecommunications networks. In such case, our obligations will be suspended until such time that we are able to perform our obligations.
16. Other important terms
We may transfer our rights and obligations under these Terms of Service to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
These Terms of Service and any other agreements or policies referred to herein constitutes the entire agreement between us and supersedes and extinguishes all previous and contemporaneous agreements, promises, assurances and understandings between us, whether written or oral, relating to your use of the Site.
You acknowledge that you do not rely on and shall have no remedies in respect of any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms of Service.
You agree that you shall have no claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in these Terms of Service or any other terms or agreements expressly referred to in it.
A waiver of any right or remedy is only effective if given in writing and shall not be deemed a waiver of any subsequent right or remedy.
A delay or failure to exercise, or the single or partial exercise of, any right or remedy does not waive that or any other right or remedy, nor does it prevent or restrict the further exercise of that or any other right or remedy.
Each of the terms of these Terms of Service operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the remaining terms will remain in full force and effect.
These Terms of Service, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.