Key Rules & Terms of Use
Key Rules
Extracted from the Cyber Risk and Insurance Forum Rules and Constitution, a copy of which is available on request.
18. CRIF and its Members will not engage in:
18.1. The discussion of specific named risks, insureds or prospective insureds;
18.2. Any anti-competitive practice, including but not limited to entering into an agreement (whether in writing or verbal; formal or informal), arrangement or concerted business practice that appreciably prevents, restricts or distorts competition in the Cyber, Privacy or Professional Services Market or has the intention of so doing;
18.3. Any agreement (whether in writing or verbal; formal or informal), arrangement or concerted business practice that directly or indirectly controls or fixes either premium rating or policy terms, the terms of business or the method of conduct of business applicable to either specific named risks or insureds or to the Cyber, Privacy or Professional Services Market as a whole;
18.4. Any control of the use of policies or wordings;
18.5. Any attempt to formulate strategy that would influence practices within the Cyber, Privacy or Professional Services Insurance Lines Market;
18.6. Any practices which may reasonably lead to CRIF being deemed or construed to be operating as a cartel; or
18.7. Any practice that constitutes violation of any applicable law or regulation, including but not limited to UK or EU competition law
Web Site Terms and Conditions of Use
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use and the Privacy Policy, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Use License
a. Permission is granted to temporarily download one copy of the materials (information or software) on Cyber Risk & Insurance Forum's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
i. modify or copy the materials;
ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii. attempt to decompile or reverse engineer any software contained on Cyber Risk & Insurance Forum's web site;
iv. remove any copyright or other proprietary notations from the materials; or
v. transfer the materials to another person or "mirror" the materials on any other server.
b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Cyber Risk & Insurance Forum at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
a. The materials on Cyber Risk & Insurance Forum's web site are provided "as is". Cyber Risk & Insurance Forum makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Cyber Risk & Insurance Forum does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
4. Blogs and comments
4.1 The web site may invite you to make, share or submit your own, original contributions to this web site.
4.2 If you submit your contribution to the web site you must allow Cyber Risk & Insurance Forum to use the material in your contribution in any way it may reasonably choose on a free-of-charge basis in any media throughout the world. Any contributions you make may be moderated by Cyber Risk & Insurance Forum which means they may be reviewed, edited and/or removed. The Cyber Risk & Insurance Forum reserves the right to remove any of your contributions if Cyber Risk & Insurance Forum believes that they do not comply with these Terms and Conditions of Use.
4.3 Any copyright in your contribution will remain with you and this permission is not exclusive, so you can continue to use the material you contribute in any way including allowing others to use it.
4.4 You confirm that your contribution is your own original work, is not defamatory or unlawful and does not infringe anyone else's rights (including privacy rights) and that it complies with the Terms and Conditions of Use. You also confirm that you have the consent of anyone who is identifiable in your contribution.
4.5 We normally show your name with your contribution, unless you request otherwise, but for operational reasons this is not always possible.
4.6 Please do not endanger yourself or others, take any unnecessary risks or break any laws when creating any content you may share with the Cyber Risk & Insurance Forum.
4.7 As part of your contribution, the Cyber Risk & Insurance Forum may ask you to provide some personal information. Disclosure of this information shall be subject to terms set out in the Cyber Risk & Insurance Forum’s Privacy Policy. The Cyber Risk & Insurance Forum will keep your personal information secure and will only use it for the purposes specified in the Privacy Policy. All personal information held by the Cyber Risk & Insurance Forum will be held in accordance with the terms of applicable data protection laws.
4.8 If you do not want to grant the Cyber Risk & Insurance Forum permission to use your contributions in accordance with the Terms and Conditions of Use, please do not share with or submit them to this website.
5. Limitations
In no event shall Cyber Risk & Insurance Forum or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Cyber Risk & Insurance Forum's Internet site, even if Cyber Risk & Insurance Forum or a Cyber Risk & Insurance Forum authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
6. Revisions and Errata
The materials appearing on Cyber Risk & Insurance Forum's web site could include technical, typographical, or photographic errors. Cyber Risk & Insurance Forum does not warrant that any of the materials on its web site are accurate, complete, or current. Cyber Risk & Insurance Forum may make changes to the materials contained on its web site at any time without notice. Cyber Risk & Insurance Forum does not, however, make any commitment to update the materials.
7. Links
Cyber Risk & Insurance Forum has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Cyber Risk & Insurance Forum of the site. Use of any such linked web site is at the user's own risk.
8. Site Terms of Use Modifications
Cyber Risk & Insurance Forum may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
9. Governing Law
Any claim relating to Cyber Risk & Insurance Forum's web site shall be governed by the laws of the England and Wales without regard to its conflict of law provisions.
Revised 18 February 2013