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Terms of use

Please read this carefully as it affects your legal rights and sets out the terms and conditions ("Terms and Conditions") subject to which we, the Institute of Risk Management ("IRM"), will allow you to use our website (the "Website") and the information contained within it.

Your continued use of the Website signifies acceptance of the Terms and Conditions in their entirety and without modification. If you do not accept these Terms and Conditions in full, you must make no further use of the Website.

Your use of the Website is also governed by our Privacy Statement.

Limitation of Liability and Disclaimers

IRM uses its reasonable endeavours to ensure that the information on the Website is accurate and helpful at all times. However, we do not warrant the accuracy of that information and cannot be held liable for any use of or reliance on that information except as specifically agreed by us in writing.

The information contained in the On-line Resource Centre is general in nature, and is only intended as a guide and is not intended as a substitute for professional advice.

Any link on the Website is provided solely for your convenience. The link does not represent any endorsement or recommendation by IRM. IRM does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you as a result of arrangements made with any third parties.

IRM will use its reasonable endeavours to ensure that all documents and files posted on the Website are free from viruses. However, IRM cannot guarantee that documents or files downloaded from the Website will be free from viruses and we do not accept any responsibility for any damage or loss caused by any virus. Accordingly, for your own protection, you must use virus-checking software when using the Website.

Nothing within these Terms and Conditions operates so as to exclude, limit or restrict our liability for death or personal injury caused by our negligence, or our fraud or fraudulent misrepresentation, or any liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied.

Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.

Intellectual Property Rights

The contents of the Website are Copyright © The Institute of Risk Management unless otherwise stated. Use of such copyright will only be permitted within the scope of the licence contained in "Your Licence to use the Website" below.

Trademarks displayed may have been registered by a third party, and nothing contained in these Terms and Conditions or on the Website should be construed as granting by implication, estoppel, or otherwise, any licence or right to use any of these trademarks without the permission of the owner of the trademark.

Your Licence to use the Website

You may download to a local hard disk and print extracts from the Website solely for personal and non-commercial use, also to influence the way in which risk management is carried out in your place of work.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

You may not reproduce the contents of the Website in any form unless it is for personal and non-commercial use or unless IRM gives express written permission to you to do so.

You must treat your login and password details as confidential and you must not disclose them to any third party. You are responsible for and accept liability for any use of the Website by you or by anyone else using a login and password which has been issued to you. We have the right to disable any login or password, whether chosen by you or allocated by us, at any time if, in our absolute discretion, you have failed to comply with any of the provisions of these Terms and Conditions.

You may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work, any of the content of the Website in any form (whether hard copy, electronic or other) unless IRM gives express written permission to you to do so.

You may not frame or link to the Website or any part of it without our express written permission to do so.

General Notices

IRM reserves the right to change these Terms and Conditions at any time. Any such change will be effective as soon as it is reflected in the text of these Terms and Conditions and published on this web page. You should check the Terms and Conditions periodically to ensure that you are aware of and are complying with the current version.

The interpretation, construction, effect and enforceability of these Terms and Conditions and your use of the Website shall be governed by English law, and both parties agree to submit to the exclusive jurisdiction of the English courts for the determination of all disputes relating to your use of the Website.

Any enquiries should be directed to