Since you're a lawyer, please clarify for me one part so that I can understand. The paragraphs are presented as:
1 - condition 1;
2 - condition 2; or
3 - condition 3.
Does this mean that condition 1 should be applied all the time (1 and 2 _or_ 1 and 3) or (1 or 2 or 3) in order to be liable?