Insurers. The unanticipated solution to end abject poverty in developing countries

The Terms and Conditions of is owned and managed by WRBLO Community Interest Company a company limited by guarantee and registered in England and Wales number 10890526 at Riverside Lodge, West Common, Harpenden, AL5 2JD.

‘Us’, ‘We’, and ‘Our’ refer to WRBLO and references to WRBLO include WRBLO Community Interest Company.

USE is our website that we have made available for use to promote our interests to provide sustainable financial assistance into deprived communities pursuant to our aims and objectives specified in out memorandum of articles of company lodged at Companies House and publicly available for your perusal on the Companies House website.

Our website is made available for lawful purposes only and is to be used in a manner that does not infringe the rights, restrict, or inhibit the use or enjoyment of other users. Where interactive features are made available, users should refer to our specific terms of use and participant as unauthorised sharing o website data is strictly forbidden, whether transmitted or downloaded.

Whilst we keep the information on our website up to date and correct, we cannot guarantee it will be complete and accurate at all times. We cannot bear any responsibility for any inaccuracies, omissions, or errors attributable to the authors of such materials and we do not accept liability (as far as permitted by law) for any loss, arising from any use or reliance on information or accessed through links included in this website.

Except where it may be specifically set out in these terms and conditions, and to the fullest extent 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

That could be said to have had arisen from the (a) use of the website, or (b) the inability to use the website, or (c) as a result of the use of the website, or (d) the use of any website linked to it or (e) any material contained in the website. For the avoidance of doubt, the losses listed immediately above are intended to be severable.

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

We shall not be 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 takes no responsibility for the content of any external internet or intranet sites that we may link to or that are owned and operated by third parties. The fact that we may 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 published on or accessible through any websites operated by third parties.  

Any communication or material that is transmitted to, or posted on, any public area of, 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 access to the website or any part of it or to withdraw any of our services at any time without notice for any reason. We may restrict access to some parts of our website to users who have registered as members with us.

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 users check this page each time the website is accessed. 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 section of the website and 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 the home page of 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 and links to third-party websites are not permitted.   

The website must not be framed on any other site, nor any link made to any part of the website other than the home page without our prior permission. We reserve the right, at any time and for any reason not prohibited by law, to deny permission to link to our website and to withdraw linking permission without notice and website links must comply in all respects with these terms and conditions.

Compliance with copyright law is your liability and all 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. Copying or distribution for any commercial or business use is not permitted without prior written consent.

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

If our intellectual property rights are being infringed or if someone else’s intellectual property rights are being infringed as a result of the use of any content on our website, please contact us.

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 exclusive jurisdiction of the courts of England and Wales. 

Please contact WRBLO Community Interest Company at Riverside Lodge, West Common, Harpenden, AL5 2JD or email any queries to