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Terms of Use

Terms of Use

Please read these Terms of Use carefully and make sure you understand them before using this website as they (together with the documents referred to in them) apply directly to your use of this website https://www.insurancefraudbureau.org/ (this "Website"). Use of this website includes accessing and browsing this website. By accessing this website you agree to be bound by all of the following Terms of Use.

IFB recommends that you print a copy of these Terms of Use or save them to your computer for future reference.

If you do not accept these Terms of Use and do not intend to be bound by them, you may not use the website and should exit immediately.

These Terms of Use are only in the English language.

This website is operated by The Insurance Fraud Bureau ("IFB") registered in England and Wales under company number 8203205. The registered office being Linford Wood House, 6-12 Capital Drive, Linford Wood, Milton Keynes, MK14 6XT.

The Insurance Fraud Bureau ("IFB") reserves the right in its absolute discretion, without reason and without liability to suspend or block you from this website with immediate effect and without notice.

1. Other applicable terms

These Terms of Use refer to the following additional terms, which also apply to your use of this website:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using this website, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of this website. When using this website, you must comply with this Acceptable Use Policy.
  • Our Cookie Policy, which sets out information about the cookies on this website.

2. UK use

Use of this website is intended for UK residents only and complies with appropriate UK legislation and regulation. We make no representation that any of the information contained within this website is available or appropriate for use in any other country or jurisdictions.

3. Availability of the services

This website is made available free of charge. 

IFB does not guarantee that this website, or any content on it, will always be available or be uninterrupted. Access to this website is permitted on a temporary basis. IFB may suspend, withdraw, discontinue or change all or any part of IFB's site without notice. IFB will not be liable to you if for any reason this website is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site. IFB is not an internet service provider. You are responsible for the payment of the fees charged by your internet service provider.

You are also responsible for ensuring that all persons who access this website through your internet connection are aware of these Terms of Use and other applicable terms and conditions, and that they comply with them.

4. Changes to this website

IFB may update this website from time to time, and may change the content at any time, without liability. However, please note that any of the content on our site may be out of date at any given time, and IFB is under no obligation to update it.

IFB does not guarantee that our site, or any content on it, will be free from errors or omissions.

5. Indemnity from you in favour of IFB

To the fullest extent permitted by law and without prejudice to any other rights available to IFB, you hereby agree to indemnify IFB fully and without limit for any losses, costs, expenses or damages (including amounts paid in settlement, out of pocket expenses, interest, penalties, sanctions and all legal and other professional costs and expenses) incurred by or suffered by IFB in relation to or as a result of any breach of any of these Terms of Use.

6. IFB's exclusion of liability

Nothing in these Terms of Use excludes or limits its liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, IFB excludes all conditions, warranties, representations or other terms which may apply to this website or any content on it, whether express or implied.

Whilst IFB takes reasonable care in the preparation of this website it is not liable for any errors, omissions or misleading statements. You acknowledge that you are solely responsible for the use to which you put this website and all results and information you obtain from it. IFB will not be liable to any user 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:

  • use of or inability to use this website; or
  • use of or reliance on any content displayed on this website.

If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user, please note that IFB only provides this website for domestic and private use. You agree not to use this website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

IFB will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

7. No reliance on information

The content on this website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this website.

Although IFB makes reasonable efforts to update the information on this website, IFB make no representations, warranties or guarantees, whether express or implied, that the content on this website is accurate, complete or up-to-date.

8. Changes to Terms of Use

IFB reserves the right to update these Terms of Use from time to time without notice to you. All such updates are effective as soon as they appear on this website and your continuing use after such an update will signify your agreement to be bound. Please check this page from time to time to take notice of any changes IFB has made, as they are binding on you. These Terms of Use were updated on 15 January 2016. 

9. General

These Terms of Use represent the entire agreement between IFB and you for use of this Website and supersede all prior agreements in relation to this Website.

If you are a consumer, please note that these Terms of Use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these Terms of Use, their subject matter and formation (and any non-contractual disputes or claims) shall be governed and construed according to the laws of England and you submit to the exclusive jurisdiction of the English Courts in the event of dispute (including any non-contractual disputes or claims).

The failure to exercise or delay in exercising a right or remedy provided by these Terms of Use or by law does not:

  • constitute a waiver of the right or remedy, or
  • a waiver of other rights or remedies.

You shall use all reasonable endeavours to do or procure to be done all such further acts and things and execute or procure the execution of all such other documents as may be from time to time required for the purpose of giving full effect to the provisions of these Terms of Use.

If any provision of these Terms of Use shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions of these Terms of Use that shall remain in full force and effect.

You shall not transfer, charge, sub-contract or deal in any other manner with all or any of your rights or obligations under these Terms of Use.

IFB may at any time assign, transfer, charge, sub-contract or deal in any other manner with all or any of its rights or obligations under these Terms of Use.

Nothing in these Terms of Use is intended to, or shall operate to:

  • create a partnership between the parties, or
  • authorise either party to act as agent for the other, and
  • neither party shall have authority to act in the name or on behalf of or otherwise to bind the other in any way (including the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).

10. Third Party Rights

These Terms of Use are between you and IFB. No other person shall have any rights to enforce any of its terms. 

11. Trade Marks

For the purpose of these Terms of Use the IFB, IFR and Cheatline logos are registered trade marks of IFB. All rights are expressly reserved. IFB may also claim rights in other trade marks, service marks, logos and icons contained on this website.

12. Intellectual Property

For the purposes of these Terms of Use, all intellectual property rights (including copyright) in the whole of this website belongs to IFB, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form by any person without the prior written consent of IFB.

Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from this website for your personal use and you may draw the attention of others within your organisation to content posted on this website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

IFB's status (and that of any identified contributors) as the authors of content on this website must always be acknowledged.

You must not use any part of the content on this website for commercial purposes without obtaining a licence to do so from IFB or its licensors.

If you print off, copy or download any part of this website in breach of these Terms of Use, your right to use this website will cease immediately and you must, at IFB's option, return or destroy any copies of the materials you have made.

13. Uploading content to this website

Whenever you make use of a feature that allows you to upload content to this website, or to make contact with other users of this website, you must comply with the content standards set out in our Acceptable Use Policy.

You warrant that any such contribution does comply with those standards, and you will be liable to IFB and indemnify it for any breach of that warranty. If you are a consumer user, this means you will be responsible for any loss or damage IFB suffers as a result of your breach of warranty.

Any content you upload to this website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such content for any purpose.

IFB also has the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to this website constitutes a violation of their intellectual property rights, or of their right to privacy.

IFB will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of this website.

IFB has the right to remove any posting you make on this website if, in IFB's opinion, your post does not comply with the content standards set out in IFB's Acceptable Use Policy.

The views expressed by other users on this website do not represent IFB's views or values.

14. Viruses

IFB does not guarantee that this website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access this website. You should use your own virus protection software.

You must not misuse this website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this website, the server on which our site is stored or any server, computer or database connected to this website. You must not attack this website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. IFB will report any such breach to the relevant law enforcement authorities and it will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this website will cease immediately.

15. Linking to this website

You may not provide a link to this website from any other website, nor may you reproduce or store any part of this website on any other website without first obtaining IFB's prior written consent.

16. Links to third party websites

This website may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any link does not imply endorsement in any way of the site to which it links. IFB assumes no responsibility whatsoever for the contents of any website accessed by a link that we supply and IFB will not be liable for any loss or damage that may arise from your use of them.

17. Contact IFB

Should you have any comments or questions in relation to this website please forward these to info@insurancefraudbureau.org.

In the event that any difficulties are experienced in gaining access to any part of the website please contact the IFB either by telephone 01908 843109 or e-mail info@insurancefraudbureau.org.