Are insurers the key to ending abject poverty in emerging markets?


Please read our Terms and Conditions. If you do not agree with them, please do not use the website. If you do use the website, your conduct indicates that you agree to be bound by the Terms and Conditions.

This website is owned and managed by WRBLO Community Interest Company registered in England and Wales registration number 10890526. Our business and registered address is The Incuba, 1 Brewers Hill Road, Dunstable, LU6 1AA.

For the purposes of these terms and conditions, ‘us’, ‘we’ and ‘our’ refer to WRBLO. References to WRBLO include WRBLO Community Interest Company.


This website is made available for your private or personal use, or otherwise in pursuit of the WRBLO aims and objectives as specified in company documents held at Companies House and publicly available on Companies House Website.

You agree to only use the website for lawful purposes and in a manner that does not infringe the rights, restrict, or inhibit the use or enjoyment of the site by any third party. Users of our interactive features should also refer to our Terms of Use and Participants’ Rules.

You must not knowingly transmit any data, send or upload any material that contains viruses or any other harmful programs that could harm computer software or hardware.

Although we will use reasonable efforts to keep the information on our website up to date and correct we cannot guarantee it will be complete and accurate and we cannot take responsibility for any inaccuracies, omissions or errors attributable to the author of such materials.

When we make available guidelines or instructions for carrying out activities you must not rely on them as stating best, recommended or safe practice. Before you engage in such an activity you should consult an appropriately qualified independent adviser. In any event, any decision made by users of our website, based on information supplied on the site, is the responsibility of the user. We do not accept liability (as far as permitted by law) for any loss arising from any use or reliance on information or links included in this website.

Except as specifically set out in these Terms and Conditions, to the fullest extent permissible by law, neither WRBLO nor any of its affiliates, directors, employees or other representatives will be liable (whether under contract, tort or statute) for any of the following losses or damage (whether or not such losses were foreseeable):

  • Losses suffered by third parties
  • Loss of data
  • Loss of profit
  • Loss of revenue
  • Loss of business or opportunity
  • Loss of goodwill; or
  • Any indirect, consequential, special or exemplary damages

Arising from the use of the website, the inability to use the website, the results of the use of the website, any website linked to it or any material contained in the website and for the avoidance of doubt, the losses listed immediately above are intended to be severable.

The foregoing does not affect WRBLO’s liability for death or personal injury arising from WRBLO’s negligence or WRBLO’s liability for fraudulent misrepresentation, or any other liability, which cannot be excluded or limited under applicable law.

WRBLO is not responsible for ensuring the availability of this website or the timeliness or otherwise of any content or information being made available to you and we reserve the right to make changes to the site at any time without notice.

WRBLO also takes no responsibility for the content of external internet sites. Other websites that we link to are owned and operated by third parties and WRBLO has no control over them. The fact that we include links to other websites does not mean that we approve of or endorse any other third party website or the content of that website. We accept no liability for any statements, information, products or services that are published on or are accessible through any websites owners or operated by third parties.  

Any communication or material that you transmit to, or post on, any public area of the site including any data, questions, comments, suggestions or the like, is and will be treated as non-confidential and non-proprietary information.  

We reserve the right to terminate your access to the website or any part of it or to withdraw any of our services at any time without notice for any reason. Occasionally we may restrict access to some parts or the whole of our website to users who have registered with us.

As we also reserve the right to replace or modify these Terms and Conditions and any linked policies at any time without notice and we, therefore, advise that you check this page each time you use the site. Your continued use of the website after any such change constitutes acceptance of the relevant modified or new terms of use.


We process information about you in accordance with our privacy policy on the Privacy Policy section of the website. By using our website, you consent to such processing and you warrant that all personal information provided by you is accurate. 


You may link to any page on our website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. 

You must not establish a link from any website that is not owned by you.  

The website must not be framed on any other site, nor may you create a link to any part of the website other than the homepage. We reserve the right, at any time and for any reason not prohibited by law, to deny permission to anyone to link to our website and to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the Terms and Conditions.


Copyright, trademarks and all intellectual property rights on this website are the property of WRBLO or WRBLO Community Interest Company, who have sole legal and beneficial title, except where we state otherwise. Compliance with copyright law is your liability.

Copying or distribution for any commercial or business use is not permitted without prior written consent from WRBLO

All copyright, design rights and database rights and other intellectual property rights in the online services remain the sole property of WRBLO or its licensors.

Banners are the property of the third party provider of the banners.

We would love you to be able to show your support for our work by using our logo on materials you produce for that purpose, so if you need a WRBLO logo for any of the following uses, you can download an appropriate version from the website:

  • You are working in partnership with WRBLO and want to use the logo on resources/materials to promote this
  • You need a logo for an event raising money for WRBLO
  • You want to use the logo to promote and raise awareness of WRBLO’s work
  • You would like to use the logo in a school project or presentation

For all other uses, including all commercial use, please complete our Permission Request Form.

You may reproduce WRBLO copyright material appearing on this website free of charge without specific permission for private personal use as long as the copyright source indications are also copied, the document is not changed in any way; it is copied in its entirety and is not reproduced in a derogatory or misleading manner or context.

You cannot, however, reproduce copyright material owned by any other person. For example, you cannot reproduce photographs that are the property of a news agency or copy articles that are marked as being owned by a particular.

We are happy for some of our material to be used in church or school publications without specific permission. Where this is the case it will be clearly indicated. In all other cases, if you wish to reproduce content from our website please contact us for permission on


If you think our intellectual property rights are being infringed, or if you think we may be infringing some else’s intellectual property rights, please contact


These Terms and Conditions are subject to English law. All claims or disputes (including non-contractual disputes or claims) arising out of or in connection with the use of the websites shall be subject to the non-exclusive jurisdiction of the courts of England and Wales. 

If you have any queries please contact us at