Please read the terms and conditions for using our electronic channels.

This page (together with the documents and pages it refers to) tells you the terms of use which you agree to when you use (our ‘site’).

By accessing any part of this site, you shall be deemed to have accepted these terms in full and agree to abide by them. If you do not agree to these terms, please refrain from using this website.

These terms shall be governed by and construed in accordance with English Law and the courts of England shall have exclusive jurisdiction.

Apply for permission to reproduce Fraud Advisory Panel copyright material.

Privacy policy

The Fraud Advisory Panel (‘We’) need to collect and use certain types of personal information about the people we deal with such as members, suppliers, customers, current, past and prospective employees, and others with whom we communicate.

We collect information directly from you (for example from event booking forms, membership application forms, change of details forms, at fairs and events and via our website), create some information internally (for example when we add payment details to your record), and obtain some information from other sources.

We fully endorse and adhere to the principles of data protection set out in the Data Protection Act 1998. We believe it is very important to respect the privacy of individuals, and to make only safe and ethical use of the information that is provided through electronic channels.

For the purpose of the Data Protection Act 1998, the data controller is Fraud Advisory Panel, whose registered office is located at Chartered Accountants’ Hall, Moorgate Place, London EC2R 6EA.

The information we may collect from you

The personal information we collect and process about you includes the following:

Information you give us

  • Information you provide by filling in forms on our site. This includes information provided at the time of registering to use our site, subscribing to our membership, signing up to an event or to receive our newsletter services or requesting further services.
  • We may also ask you to complete surveys and questionnaires that we use for research purposes, although you do not have to respond to them, and all responses are anonymised.

Information we collect about you

  • If you contact us, we may keep a record of that correspondence (including your email address if you send an email to us).
  • Details of any transactions you carry out through our site and of the fulfilment of your orders. Whilst we do not currently collect any financial information on this website, if you make a debit or credit card payment online (for example to pay membership subscription or event registration fees), you will be taken to a secure payment service provider who will take your payment on our behalf and return you to this website when your order has been completed.
  • Details of your visits to our site, which we will use to help us improve the content, design and performance of the site.
  • Management information on our email campaigns, such as whether you have read an email sent by us, when and how many times.

Information we receive from other sources

  • We may receive information about you if you use any other services we provide. We also work closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, and credit reference agencies) and may receive information about you from them.

Technical information

We may collect information about your computer, including where available your IP address, domain name, operating system and browser software, to help us improve the content, design and performance of the site. This information is collected with your name and email address if you complete our online enquiry form.

You acknowledge that the information we receive about you may amount to sensitive personal data under the Data Protection Act 1998 and by continuing to use our site you give your consent to your data being processed as set out in this policy.

How we use your information

We may use information we hold about you in a variety of ways, including the following:

  • to communicate with our members and subscribers (eg. circulation of annual accounts and notices of general meetings);
  • to provide you with information, services (such as email updates) or invitations to events that you request from us, or which we think may be of interest to you, where you have consented to be contacted for such purposes;
  • to carry out our obligations arising from any agreements entered into between you and us;
  • to respond to any feedback you send us, if you’ve asked us to;
  • to allow you to participate in interactive features of our service when you choose to do so;
  • to build up a profile of your use of the website and its facilities to help us improve the content, design and performance of the site and keep it safe and secure;
  • to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes, and to measure the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you; and
  • to make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.

Surveys and questionnaires

Information you give in response to surveys and questionnaires on the website will be used in two ways:

  • by the Fraud Advisory Panel itself to conduct research, help determine policy and to help improve and target our services to users; and
  • by third parties that the Fraud Advisory Panel may give the information to for market research.

In both cases, your responses will be anonymised and no identifying information about you will be collected.

Where your data is stored

We may store your personal information under your name on the Fraud Advisory Panel’s system and databases, and those operated by our service providers, to use for the purposes set out in this policy.

We may transfer your information outside the European Economic Area (EEA) to facilitate such use. These countries may provide a lower standard of protection for personal information than in the EEA. So, if we do transfer your information we will take steps to ensure that your data is treated securely and in accordance with this privacy policy. By submitting your personal information to us, you agree to this transfer and processing outside of the EEA.

Disclosure of your information

We may share your information with third parties including:

  • our service providers and sub-contractors, for the performance of any contract we enter into with them or you (for example, to MailChimp so that we can send you communications through their email system);
  • our business partners, affiliated organisations, for the purposes set out in this policy;
  • analytics, website and search engine providers, to assist us in the improvement and optimisation of our site. We will give anonymous usage statistics to other organisations, but these will not include information about domain names or IP addresses, or any information which could identify you.

We may also disclose your personal information to third parties:

  • in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
  • if Fraud Advisory Panel or its assets are acquired by a third party, in which case personal data held by it will be one of the transferred assets;
  • in order to comply with any legal or regulatory obligation, to enforce or apply our terms and conditions and other agreements; or to protect the rights, property, or safety of Fraud Advisory Panel, our members, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Access to your information and correction

Under the Data Protection Act 1998 you have the right to request a copy of the personal information that we hold about you and to amend or update any inaccuracies. To do so please write to Data Controller, Fraud Advisory Panel, Chartered Accountants’ Hall, Moorgate Place, London, EC2R 6EA UK or email usWe charge a £10 fee to provide this information.

If any of the information we hold about you is inaccurate we will do our best to correct it quickly once you notify us. You can update your contact details at any time by contacting us.

Other websites

Our website and emails may contain links to other websites. We are not responsible for the content or practices of these other sites and we recommend that you check their own privacy statements.

Use of cookies

For information on the cookies we use and the purposes for which we use them read our cookies policy.

Complaints policy

The Fraud Advisory Panel is committed to providing a high quality service to everyone. We view complaints as an opportunity to learn and improve for the future, as well as a chance to put things right.

How to make a complaint

To make a complaint please write to Fraud Advisory Panel, Chartered Accountants’ Hall, Moorgate Place, London, EC2R 6EA UK or email us.   Alternatively use our online enquiry form.

What happens next?

Your complaint will be recorded and acknowledged within five working days. It will be passed to an appropriate person to investigate and take action. In most cases we hope to fully resolve your complaint within this timeframe. You will be told if it will take long, and in this case you should expect to receive a reply within 20 working days.

Still dissatisfied?

If we are unable to resolve your complaint to your satisfaction, please write to the Chairman, Fraud Advisory Panel, Chartered Accountants’ Hall, Moorgate Place, London EC2R 6EA UK.

Cookies policy

What are cookies?

Cookies are small data files that are placed on your computer or mobile device by your internet browser software, in order to hold relevant information about the website you are currently viewing.

What are they used for?

Some of these cookies are essential in order for the website to run as you expect it to (for example, making a booking to attend an event) while others allow us to provide you with a better service (for example, understanding what content is most popular so that we can provide you with more of the same).

We understand that you need to reach the most relevant information quickly and easily so our main aim of using cookies is to provide you with the most optimised ‘user experience’ possible by using cookies to help you navigate the website efficiently and perform certain functions.

Our website analytics tool uses cookies to analyse how, when and where visitors use our website, but this information is not tied to personally identifiable information. We use this data to improve your experience. For example, we are able identify common journeys to popular content and refine the site to help users access that content quicker.

The cookies we use

The following describes the cookies we use on our website and what we use them for.

Cookies essential for website use

Cookie name Purpose
These cookies have no impact on your user experience, and store no personal information. They contain some information about your general geographic location. These cookies are automatically added by the software that runs this website, but we do not use them in any way.

Non-essential cookies for website analytics

Cookie name Purpose
_ga Used to distinguish users via Google Analytics.
_gat Used to throttle request rate via Google Analytics.

How to manage cookies

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete them, visit www.aboutcookies.orgPlease note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our site.

To opt out of being tracked on Google Analytics across all websites visit

For more information on the personal information we collect and how we use it read our privacy policy.

Your agreement to our use of cookies

You will normally see a message explaining that cookies are used on this site the first time you log on to the site or the first time you use the site after clearing your browsing data and cache before we store a cookie on your computer or mobile device.

After reviewing the cookies we use (see ‘what cookies we use’ section above) and the benefit they provide our visitors and members, we regard the use of these cookies as desirable to operate our website efficiently and beneficial to you to get the most out of our services.

By using this website, you consent to our placing of cookies on your computer or mobile device as described in this policy. If you do not wish to have cookies placed on your computer or mobile device, most browsers have a facility that will allow you to disable cookies altogether; please refer to your browser’s help menu to find out how to do this. While you will still be able to browse most of our site with cookies disabled, certain features may not be available.

Copyright and disclaimer

The copyright and other intellectual property rights in all material and content on this website including photographs and graphical images and the organisation and layout of the site, is owned by the Fraud Advisory Panel and/or its licensors.

You are permitted to access, print, and download extracts from this site on the following basis.

  • Use of all material from the website is for non-commercial or personal use only; any copies of these pages saved to disc or to any other storage medium may only be used for
    subsequent viewing purposes or to print an individual extract or copy for non-commercial personal use.
  • No material on this site will be modified, adapted or altered in any way.
  • Material on this site will not be used in any way which could infringe the intellectual property rights of the Fraud Advisory Panel or its contributors.
  • No graphics or photographs on this site will be used separate from accompanying text.
  • The Fraud Advisory Panel copyright notice will appear in any copies.

Dissemination of our series of free self-help factsheets, Fraud Facts, is encouraged. Therefore you are permitted to add your company name and/or logo to the ‘distributed by’ box provided for this purpose. Factsheets may not be otherwise modified, adapted or altered in any way without the Fraud Advisory Panel’s prior written permission.

No part of this site or Fraud Advisory Panel emails may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Fraud Advisory Panel’s prior written permission.

The Fraud Advisory Panel will consider any requests from publishers and members to copy, reproduce or translate any Fraud Advisory Panel material in full or part, in print or electronic form, subject to Fraud Advisory Panel holding the appropriate rights. Please supply as much information as possible to enable us to deal with your request in an efficient and timely manner.

Any rights not expressly granted in these terms are reserved.

Use of logo

The Fraud Advisory Panel logo is a registered trademark. Use of the logo and any other logos or marks belonging to the Fraud Advisory Panel is strictly prohibited without our prior consent in writing.

Corporate member logo

Corporate members are allowed to use a specifically-designed ‘corporate member’ logo to indicate their association with the Fraud Advisory Panel. This is available upon request.

The ‘corporate member’ logo may be used on stationery, websites and other publications in a manner which is consistent with the promotion of the Fraud Advisory Panel’s aims. Such use is provisional on all monies presently payable by the member to the Fraud Advisory Panel having been paid.

Corporate members may not use the logo in a manner which is inconsistent with our aims and objects. Any use which is inconsistent is manifest from the content of the publication, and would include the use of the Fraud Advisory Panel’s name and logo:

  • in any advertisements which a member is endorsing or approving the products of a third-party;
  • on any commercial publications with non-members; or
  • in any other ventures with non-members (to avoid misleading the public into believing the endorsement is made by the Fraud Advisory Panel).

Service availability

Whilst the Fraud Advisory Panel shall use its reasonable endeavours to ensure that this site is normally available 24 hours a day, we will not be liable if, for any reason, the site is unavailable at any time or for any period.

Issues with downloading files are generally caused by the applications that call the content from the website, rather than the website itself. Make sure your Adobe Reader software is up to date.

Access to this site may be suspended temporarily and without notice in circumstances of system failure, maintenance or repair, or for reasons beyond the control of the Fraud Advisory Panel.


This site is intended to provide general fraud advice only and is not a definitive statement of law.

The information contained on this site or in emails is for general guidance only. You should neither act, nor refrain from action, on the basis of any such information. You should take appropriate professional advice on your particular circumstances because the application of laws and regulations will vary depending on particular circumstances and because laws and regulations undergo frequent change.

Whilst the Fraud Advisory Panel shall use its reasonable endeavours to ensure that the information on this site and in its emails is correct, the Fraud Advisory Panel shall not to the maximum extent allowed by applicable law be liable for any loss or damages (including without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use this site, or any information contained in it, or from any action or decision taken as a result of using this site or any such information.

Part of this site or emails may contain material submitted to the Fraud Advisory Panel by third parties (including Fraud Advisory Panel members). Third parties are responsible for ensuring that material submitted for inclusion on this site complies with international and national law. The Fraud Advisory Panel will not be responsible for any error, omission or inaccuracy in the material submitted by third parties and reserves the right to omit, suspend or change the position of any material submitted. Any arrangements made between you and any third party named on this site or in an email from us is at your sole risk and responsibility.

This site contains links to third party websites. The Fraud Advisory Panel accepts no responsibility for the availability or content on any site to which a hypertext link from this site or in an email from us exists. The links are provided on an ‘as is’ basis and the Fraud Advisory Panel makes no warranty, express or implied, for the information provided within them.

All contents © Fraud Advisory Panel 2015

Website accessibility

Our website has been designed to be accessible to as wide an audience as possible including people with sight and hearing problems. It has been developed to meet W3C web standards and aims to achieve AA compliance with WCAG2 accessibility guidelines.


  • We use cascading style sheets (CSS) to control site layout and presentation. This means that:
  • screen reader users do not have to listen to information about the page display to get to the content;
  • browser users can apply their own user stylesheet to customise how the site appears to them or use built in browser features such as zoom to view the site in the way which best suits them.


Site navigation appears at the start of the page. Screen reader users can bypass navigation by using the ‘skip to content’ link at the start of the page. Related content navigation is listed after the main content.


Content on the site has been written and formatted to be accessible. Examples of this approach include preceding sections of text with a heading, using meaningful text for links and use of the alt attribute to describe images.

Site accessibility limitations

We aim to communicate as clearly and simply as possible but some articles require a level of technical understanding due to the nature of the topic they cover. We develop our site to work with a wide range of the most popular current browsers but are not able to actively support older versions of browsers. Website content is still accessible by turning off stylesheets.

Browser support

We accept that the nature of the web means that pages cannot be produced to look identical in all browsers. Presentation may vary between browsers depending on their capabilities but all content should be accessible. Our website is supported by all modern browsers including Google Chrome, Internet Explorer 9+, Firefox and Safari.

More information

For more information on getting the best experience of the web for you, we recommend visiting the BBC My Web, My Way website for advice on how to get the most from the accessibility features and assistive technologies available for your computer.

If you have any suggestions or have encountered any difficulties with accessibility on our site, please let us know.

We encourage our members and other organisations to create links to our website providing the following rules are applied.

Creating hyperlinks

A standard hyperlink to the website must not be used in any way that assumes the Fraud Advisory Panel is endorsing or supporting a product, website or organisation.

A named hyperlink must be presented using the Fraud Advisory Panel’s full name ‘Fraud Advisory Panel’, not ‘FAP’ or ‘The Panel’ or any other abbreviations.

Graphical links

You may not create a link using the Fraud Advisory Panel logo without our prior permission.

We will on occasion provide the general public with graphical artwork to be used on website pages. The graphics provided must not be used in any way that assumes the Fraud Advisory Panel is endorsing, approving or supporting a product, website or organisation.

  • The logo (if provided by us) must link to the Fraud Advisory Panel’s website
  • The logo must not be in any way altered, animated, rotated, flashing or otherwise move around the screen.

Apply for permission to use the Fraud Advisory Panel logo.

Links from the website

Our website contains links to other useful sources of information. If you believe the Fraud Advisory Panel would benefit from having a link to your website then please contact us.