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Terms and Conditions

1. Terms of Use

• These Terms set out the basis upon which we make this website available to you.
• Please read these Terms carefully. By using this website you will be deemed to have agreed to these Terms. If you do not agree to comply with these Terms please do not use the website. We may change these Terms from time to time so please review these Terms regularly.
• This website is operated by the Insurance Museum Initiative
• If you have any questions please email us at info: info@insurancemuseum.uk

2. Access and Registration

• You must obtain, and pay for, all telecommunications services, computer equipment and software necessary to connect to and use this website. We do not provide such services, equipment or software and you will need to obtain these from other suppliers. We do not have any control over, or responsibility for, such suppliers.
• We provide most of this website on an open access basis but you may need to register and/or pay to use some areas. In some cases we may restrict access by age and/or location of user. You promise that all registration information you provide shall be accurate. You must inform us as soon as you can if it needs updating. It may be necessary for us to refuse some registration applications, e.g. to prevent fraudulent usage. Please read our Privacy Policy which applies to the registration information we collect.
• We may issue you with a username, password and/or other access control for this website or certain parts of it (together, referred to as passwords). These are for your personal use only. You must not tell them to anyone else or allow anyone else to use them. You must not use anyone else’s passwords. You must tell us if you think your passwords are no longer confidential. If you do, or if we believe it to be necessary, we may issue you with replacement passwords.
• Maintaining the security and integrity of the website is necessary to enable all our users to use it safely and effectively. You agree not to abuse the access/registration process.

3. Contents of the Website

• This website features a wide range of text, photographs, sound recordings, videos, software, data and other content of all forms which we and/or our suppliers provide (together referred to as website content) which we want you to be able to enjoy in a fair and reasonable way.
• The website content is protected by copyright, trade mark rights, database rights and other intellectual property and related rights which are owned by us and/or our suppliers. You may access this website and view the website content on-screen and, where permitted by this website, print out a reasonable number of copies of parts of the website content, as long as this is for your own private and non-commercial purposes only.
• For certain website content, e.g. where payment is necessary or where our suppliers have required it, separate and/or additional usage terms may apply. These will be marked on the relevant area of this website where you will be given the opportunity to review and agree to them.
• You must not, nor try to, make mass, automated or systematic extractions of the website content, or use it to create or include it within another paper or electronic database, or try to re-sell it or re-distribute it. We reserve the right to prohibit or restrict the way in which other websites link to or frame or represent any of the website content.
• Decompiling, reverse engineering, disassembling or otherwise reducing the code used in any software on this Website into a readable form in order to examine the construction of such software is prohibited except to the extent permitted by law. If you need information on the relevant law contact us or your local consumer adviser.
• If you have any questions about what you may or may not do with the website content or use the website generally please write to us.
• We reserve any other uses of, and rights in, the website content on behalf of both us and our suppliers, so you must obtain our prior written permission for these. We may not always be able to give our consent but to make such a request please email us at: info@insurancemuseum.uk

4. Liability

• Unless you and we agree otherwise, e.g. as part of any pay-per-view arrangement or where our suppliers have required us to do so and where separate and/or additional usage terms may apply which will be marked on the relevant part of the website, the website content is provided for free and is for your informational purposes only.
• Please note that the website will not be available at all times. It will be inaccessible during regular maintenance periods and it may from time to time be subject to emergency maintenance or be unavailable for other technical reasons. Like all software-based services the website cannot be promised to be free from errors or bugs. We will, however, use reasonable care and skill in fixing any problems once we become aware of them.
• Although we take reasonable care with our website content we cannot check every item or promise that typos or other errors will never appear on the website. Unlike, traditional physical media, the website is a dynamic environment with regular changes and therefore inaccuracies may occur from time to time. Please double-check any specific instruction with us or a third party if you are in doubt.
• We cannot control and are not responsible for the user-provided/generated content that appears on the website. We recommend that you apply particular caution when using that content.
• This website may contain third party advertising and links to external websites. External websites may link to this website. We choose our commercial partners with reasonable care but we do not necessarily recommend, endorse or sponsor, and cannot control and are not responsible for, any third-party content that may be accessed through this website or from which this website may be accessed. Please use common sense and caution when using such third-party websites and content. You should read their own terms of use and privacy policies.
• Please bear the above in mind when using the website. If you are unclear about anything that appears on the website, or think there may be an, then please email us at: info@insurancemuseum.uk
• We shall not be liable and shall not compensate you for any loss or damage you may suffer unless we have failed to carry out our obligations under these Terms to a reasonable standard or breached any duties imposed on us by law, including if we have caused death or personal injury by our negligence, and that failure is not attributed to: (a) your own fault, for example your failure to implement recommendations previously advised by us; (b) a third party unconnected with our performance of this agreement, for instance problems due to communications network performance, congestion and connectivity or the performance of your computer equipment; or (c) any other events which neither we nor our suppliers could have foreseen or forestalled even if we or they had taken reasonable care.
• Accordingly, we will not be responsible for loss of or damage to your computer hardware or software or other personal property or any other losses which you suffer as a result of the website unless this is due to our neglect or failure to take reasonable precautions and such losses are reasonably foreseeable. We strongly recommend that you (a) take care to verify the suitability and compatibility of your computer system prior to use; and (b) take reasonable precautions to protect yourself against harmful programs or devices including through installation of anti-virus software.
• As this is a consumer website we shall not in any event be liable for losses related to any business such as lost data, lost profits or business interruption.

5. Termination

• If you wish to terminate your registration for any part of this website at any time please email us at: info@insurancemuseum.uk
• Unless you and we agree otherwise, eg as part of any pay-per-view arrangement, to which separate terms shall apply, we may terminate the provision of this website to you at any time. We shall try to give you prior notice if we do but this may not always be possible.
• If you are in breach of these Terms, or we have reasonable grounds to believe that you are, we may suspend and/or terminate your access to this website without prior notice.

6. General

• If you are in breach of these Terms and we do not take any action against you, we may still take action against you later or if you breach the same term on another occasion or if you breach a different term.
• If any provision of these Terms is, for any reason, held to be unenforceable, illegal or invalid in some other way, the unenforceable, illegal or invalid provision will not affect the remainder of these Terms and they will continue in full force and effect.
• These Terms are governed by relevant UK law and you and we agree to only bring legal actions about these Terms in a UK court. We will try to solve any disagreements quickly and efficiently. If you are not happy with the way we deal with any disagreement you and we may agree to refer the matter to arbitration but you and we are not restricted from bringing court proceedings.
• We intend to rely on the written terms set out in these Terms, as amended in accordance with paragraph 1 above, and the documents referred to in it, as the entire understanding between us relating to your use of the website. If you and we agree any changes, please make sure that you request that these are confirmed in writing. That way we can avoid any problems surrounding what we or you are expected to do.
• Only you or we have the right to enforce any provision under these Terms.

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Insurance Museum Membership terms and conditions

Thank you for joining the Insurance Museum Membership scheme. The following are our terms and conditions of Insurance Museum Membership, and you should read them carefully as they set out your rights and obligations as an Insurance Museum member (a “Member” or “you” in what follows). These terms and conditions are based on our charitable constitution.

Background

The Insurance Museum is a registered charity, number 1188138, which is registered at C/o Chartered Insurance Institute, 3rd Floor, 20 Fenchurch Street, London, EC3M 3BY, and will be referred to as “IM” or “we” in these terms and conditions.

Your details

1. All applications for membership shall be treated as if the terms of the Consumer Protection (Distance Selling) Regulations 2000 and EC Directive 97/7/EC applied for the purposes of cancellation. Accordingly any cancellations in respect of these must be made within seven working days of the application being made. Cancellation must be sent by email to
2. You are responsible for informing us of changes to your personal details. [If you are provided with individual passwords for access to our on-line services, these must not be shared with anyone else.]
3. All Members agree that email addresses and other personal details provided to the IM may be used for administrative purposes and to fulfil your IM membership, this will include the IM Membership emails and e-newsletters.
4. IM may send you invitations to take part in surveys or focus groups to ask for your help to shape the IM’s work.
5. You can opt-out of these IM membership communications at any time, although they form part of your Membership benefits.
6. If you wish to change how we contact you then please email us at You can also unsubscribe from IM emails via the unsubscribe link at the bottom of the email.
7. If your membership lapses we will contact you for a short time to ask whether you would like to re-join our membership or hear from us about other ways that you can support the IM’s work.
8. IM uses the personal information that you provide us to deliver our Membership services. We take your privacy seriously and promise to never sell your data. You can find out more about your rights, how we use your personal information and how we keep your details safe and secure by reading our Privacy Policy.

Subscription fees and payment

9. All Members shall pay an annual membership fee of £50 per year. The first year of membership shall operate for 12 months from the date we receive payment of your annual membership fee.
10. For members who are renewing their annual membership, membership shall operate for 12 months from the date immediately following the end of your previous membership provided we have received payment of your annual membership fee. In the event we have not received payment of your renewal fee on or before the end date of your previous membership, your renewed membership will be deemed to begin on the date that payment is successfully collected.
11. IM reserves the right to withhold membership rights and benefits at our absolute discretion for any period where your annual membership has not been successfully collected. For members who are renewing their annual membership, this may mean that membership rights and benefits are withheld while payment of your renewal fee remains outstanding.
12. Before each membership period comes to an end, a renewal notice will be issued, and the membership will be discontinued unless a further membership payment is received by you with a wish to continue your membership.
13. IM does not accept cash or cheque.
14. Members agree to settle all legitimate invoices by IM within 28 days of receipt.
15. Membership may be terminated at the discretion of IM if a Member is considered to be in breach of these terms and conditions, or such removal is sanctioned by a resolution of IM’s Trustee Committee, provided that in such circumstances, the Member has had a reasonable opportunity to explain why he or she should not be removed.
16. Subject to any statutory right to cancel, all membership fees are non-refundable once payment has been received.

Membership package

17. As an IM Member you are entitled to:

• Membership card
• Talks and panel discussions
• Blogs and podcasts

However, IM reserves the right to vary, amend or withdraw these rights and benefits at our discretion.

18. Founder Members are defined as members who join the scheme in the first 12 months of operations. Additional benefits for Founder Members will be offered aft the first 12 months of membership.

IM publications materials

19. Unless stated otherwise, all publications and materials supplied to Members are the copyright work of IM. Members may not reproduce, transmit, distribute, sell or commercially exploit these materials without the prior written consent of IM or to the extent expressly permitted by law
20. All information provided by IM to Members is on an “as is basis”. Whilst IM makes all reasonable efforts to ensure the accuracy and relevance of all such information we cannot guarantee the completeness, quality or non-infringement of third parties rights in relation to these materials.

Application

21. IM may at its absolute discretion refuse the application of an individual to become a member without having to give any reason for its decision. An applicant whose membership application is refused has the right to appeal to the IM’s Trustee Committee against the refusal and the Committee will re-consider the application in light of any further information provided by the applicant before reaching a final decision as to whether or not the individual should be admitted as a member.
22. To become a member, you must be a minimum age of 16 years old at time of application.

Liability

23. Subject to paragraph 23, in no event shall IM be liable to Members or to any other third party for any lost profit, or any special, incidental or consequential damages (however arising, including negligence) arising out of, or in connection with services, benefits and/or products supplied by IM.
24. Subject to paragraph 23, liability under all circumstances shall be limited to the annual membership fee paid for by the individual concerned.
25. Nothing in these terms and conditions excludes liability for death or personal injury caused by IM’s negligence or for fraud or fraudulent misrepresentation.

General

26. The rights of a Member are personal and cannot be transferred or assigned.
27. Membership rights shall cease on a Member’s death or an individual ceasing to be a Member.
28. These terms and conditions shall be governed by and interpreted in accordance with English law and any dispute shall be subject to the exclusive jurisdiction of the English Courts.
29. All members are bound by the Charitable Incorporated Organization Constitution of Insurance Museum. A copy of this is available from the Charities Commission. In the event of any conflict between these terms and conditions and the Charitable Incorporated Organization Constitution, these terms and conditions shall take precedence.