No warranties

This website is provided “as is” without any representations or warranties, express or implied. IBL Limited (IBL) makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, IBL does not warrant that:

this website will be constantly available, or available at all; or

the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute advice of any kind. Any advice contained in seminar presentations, webinars or podcasts is intended only as general advice in respect of risk management. It is not tailored to your individual needs or those of your business nor is it intended to be relied upon as comprehensive legal or insurance advice. For such assistance you should approach your legal and/or insurance advisors.

Limitations of liability

IBL will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

to the extent that the website is provided free-of-charge, for any direct loss;

for any indirect, special or consequential loss; or

for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if IBL has been expressly advised of the potential loss.


Nothing in this website disclaimer shall be interpreted as:

excluding, restricting or modifying or as having the effect of excluding, restricting or modifying the application of or liability under any provision of the Competition and Consumer Act 2010 the application of which cannot by law be excluded, restricted or modified; or

excluding or limiting IBL’s liability in respect of any fraud or fraudulent misrepresentation on the part of IBL.


By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other parties

You accept that, as a limited liability entity, IBL has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against IBL’s officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect IBL’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as IBL.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, void or unenforceable for any reason, the remaining provisions of this website disclaimer will continue to be valid and enforceable to the maximum extent permitted by law.