Website Disclaimer - Terms and Conditions

1.

The Fraud Advisory Panel is the owner of FAP's website.

2.

The content of FAP's website is provided for information purposes only. Use of the information and data (in whatever form) contained on this website is at the user's sole risk.

3.

Information and data received from individuals which are posted by FAP on this website should not be regarded as endorsement or support by FAP of the views or opinions expressed therein.

4.

While FAP makes every effort to present accurate and reliable information on this site, FAP makes no representations, express or implied, as to the accuracy of the information and data contained on this website. If you rely on the information on this website, you are responsible for ensuring its accuracy, currency or completeness by independent verification.

5.

FAP accepts no liability for any loss or damage, however caused (including through negligence) which you may directly or indirectly suffer in connection with your use of this website or any linked website, nor do we accept any responsibility for any loss arising from the use of the information and data contained in this website or reliance placed on it.

6.

FAP shall not be held liable for any re-publication of the information or data contained in this website.

7.

FAP accepts no liability for any interference with or damage to a user's computer, software or data occurring in connection with or relating to this website or its use or any site linked to this website.

8.

FAP assumes no responsibility for any disruptions to its website however caused.

9.

FAP reserves the right to modify this website. Modifications will be posted on the website, and users are deemed to be apprised of and bound by any changes to the website.

10.

You agree that FAP shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Website.

1.

use of all material on this site is for information and non commercial or personal use only; any copies of these pages saved to disk or to any other storage medium may only be used for subsequent viewing purposes or to print extracts for personal use

2.

no graphics on this site are used separate from accompanying text

3

the FAP copyright notice and this permission notice appear in all copies.

1.

The Privacy Policy covers FAP's treatment of personal information that is collected when you are on the website and when you use FAP's website services.

2.

We collect your personal information when you, the 'user' visits the website. FAP automatically receives and records information on our server logs from your browser including your IP address and the pages visited.

3.

We will preserve the confidentiality of information collected or provided to us to the best of our abilities, however, we cannot guarantee the security of transmission.

4.

We will not disclose your personal information to any external organization or individual unless we have your consent or we are legally required by subpoena, warrant or other legal process that FAP finds, on its sole discretion, to be valid and enforceable.

5.

We may use "cookies" to enable you to navigate through the of the website. In order to improve our site and to serve you better, we use "cookies" to track your visit and facilitate your movements within our site. A cookie is a small amount of data that is stored by your browser on your computer's hard drive. A cookie does not identify you personally but it does identify your computer. You can set your browser to notify you when you receive a cookie and this will provide you with an opportunity to either accept or reject it in each instance.

7.

FAP reserves the right at any time and from time to time to amend this policy without prior notice. Amendments will be posted on the website, and users are deemed to be apprised of and bound by the amendments.

1.

Members will receive a password and account designation upon completing the registration process. Members are responsible for maintaining the confidentiality of their password and account details. FAP recommends that you not divulge your password or account details to anyone, as you are fully responsible for any activities undertaken through the use of your password and account;

2.

Members may submit information and data of whatever form (here after referred to as "materials") to be posted on the website. Members acknowledge that any material submitted to the discussion forum is and will be treated by FAP as non-confidential and non-proprietary and FAP may use such material without restriction;

3.

Members agree that any material posted by them in the discussion forum may be read by other members or users;

4.

Any material which members post may be removed by FAP from the discussion forum without notice at any time;

5.

Members agree not to misuse the website to upload, post, transmit or otherwise make available any materials that are unlawful, offensive, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another's privacy, racially or ethnically objectionable;

6.

Members agree not to upload, post, transmit or otherwise make available any materials that infringes any patent, trademark, copyright or other proprietary rights of any party;

7.

Members agree not to upload, post, transmit or otherwise make available any materials that contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment and the website;

8.

Members agree not to reproduce, duplicate, copy, sell trade, resell or exploit for any commercial purposes, materials contained in the website either wholly or any portion thereof.

9.

All information provided by FAP in our discussion forum is provided in good faith and for general information purposes.

10.

FAP does not make any representations or warranties that the materials we provide in the discussion forum is reliable, accurate or complete or that members access to the discussion forum will be uninterrupted, timely or secure. Members must make independent inquiries before acting on the materials, which appear in the discussion forum.

11.

FAP does not warrant that it will respond to questions or comments submitted by members to the discussion forum.

12.

FAP does not warrant that any material submitted to the discussion forum will be protected against loss, misuse or alteration by third parties.

13.

FAP reserves the right to refuse to post material submitted by members. If FAP elects in its sole discretion to post the material in the discussion forum, FAP does not warrant that the material submitted will be posted within a certain timeframe.

14.

FAP reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the discussion forum with or without notice.