Acceptable use

This Acceptable Use Policy sets out the terms between you and us under which you may access this website www.insurancefraudbureau.org (our website). This Acceptable Use Policy applies to all users of, and visitors to, our site.

Your use of this website means that you accept, and agree to abide by, all the policies in this Acceptable Use Policy. 

1. Prohibited Use

You may use this website only for lawful purposes.  You may not use this website:

• In any way that breaches any applicable local, national or international law or regulation (including but not limited to the General Data Protection Regulations and the Data Protection Act 2018).
• If you do not have the capacity to enter into binding contracts.
• If, being an individual, you are not at least 18 years old and have not obtained the age of majority in the state or country in which you live.
• In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
• For the purpose of harming or attempting to harm minors in any way.
• To send, knowingly receive, upload, download, use or re-use any material which does not comply with IFB's content standards (see below).
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
• To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

• Not to access without authority, interfere with, damage or disrupt:
• Not to reproduce, duplicate, copy or re-sell any part of this website in contravention of the provisions of IFB's Terms of Use.

o   any part of this Website;

o   any equipment or network on which this Website is stored;

o   any software used in the provision of this Website; or

o   any equipment or network or software owned or used by any third party.

2. Interactive services

IFB may from time to time provide interactive services on this website, including, without limitation:

• Chat rooms.
• Bulletin boards.

("interactive services").

Where IFB does provide interactive services, it will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

IFB will assess any possible risks for users from third parties when they use any interactive service provided on this site, and it will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, IFB is under no obligation to oversee, monitor or moderate any interactive service it provides on this website, and it expressly excludes liability for any loss or damage arising from the use of any interactive service by a user in contravention of IFB's content standards, whether the service is moderated or not.

The use of any interactive services on this website by a minor is subject to the consent of his or her parent or guardian. IFB advises parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not fool proof. Minors who are using any interactive service should be made aware of the potential risks to them.

Where IFB does moderate an interactive service, it will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

3. Content standards

These content standards apply to any and all material which you contribute to this website ("contributions"), and to any interactive services associated with it.

You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any contribution as well as to its whole.

Contributions must:

• Be accurate (where they state facts).
• Be genuinely held (where they state opinions).
• Comply with applicable law in the UK and in any country from which they are posted.

Contributions must not:

• Contain any material which is defamatory of any person.
• Contain any material which is obscene, offensive, hateful or inflammatory.
• Promote sexually explicit material.
• Promote violence.
• Promote discrimination of any nature (including discrimination based on race, sex, religion, nationality, disability, sexual orientation or age).
• Infringe any copyright, database right or trade mark of any other person.
• Be likely to deceive any person.
• Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
• Promote any illegal activity.
• Be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety.
• Be likely to harass, upset, embarrass, alarm or annoy any other person.
• Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
• Give the impression that they emanate from IFB, if this is not the case.
• Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

4. Suspension and termination

IFB may revise this Acceptable Use Policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes made, as they are legally binding on you. Some of the provisions contained in this Acceptable Use Policy may also be superseded by provisions or notices published elsewhere on this website.

IFB will determine, in its discretion, whether there has been a breach of this Acceptable Use Policy through your use of this website. When a breach of this policy has occurred, IFB may take such action as it deems appropriate. 

Failure to comply with this Acceptable Use Policy constitutes a material breach of theTerms of Use upon which you are permitted to use this website, and may result in our taking all or any of the following actions:

• Immediate, temporary or permanent withdrawal of your right to use this website.
• Immediate, temporary or permanent removal of any posting or material uploaded by you to this website.
• Issue of a warning to you.
• Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
• Further legal action against you.
• Disclosure of such information to law enforcement authorities as IFB reasonably feel is necessary.

IFB excludes liability for actions taken in response to breaches of this Acceptable Use Policy. The responses described in this policy are not limited, and IFB may take any other action it reasonably deems appropriate.

5. Changes to the acceptable use policy

IFB may revise this Acceptable Use Policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes made, as they are legally binding on you. Some of the provisions contained in this Acceptable Use Policy may also be superseded by provisions or notices published elsewhere on this website.