Terms & Conditions

This website is provided and maintained by MatBlas Limited (“MatBlas”, “We”, “Us”), registered in England and Wales under company registration number 6182887, VAT registration number 919 2518 12 and registered office at MatBlas Ltd, 16 Beaufort Court, Admirals Way, Canary Wharf, London E14 9XL. The use of the website (“the website”) is subject to the following terms and conditions, which you deem to accept by using the website.

Your use of this website is your acceptance of the terms and conditions herein, our privacy and cookie policy, both can be found on the website. If you do not agree to these terms or our policies, please discontinue the use of the website immediately.

1. Website licence

As a user of this website, you are granted a nonexclusive, nontransferable, revocable, limited license to access and use the website and content in accordance with these Terms of Use. This licence may be terminated at any time for any reason whatsoever by MatBlas Ltd.

2. Limitations of use

The content on this website is for individual use only and not for commercial exploitation. You may use this site for your own personal and professional development and for use within your organization. You may not create derivative works from the website or the content without written permission from MatBlas Ltd. Nor may you use any software to access or extract the website’s architecture, data about usage or users. You may not use any robot, spider, or other automatic or manual device or process to monitor or copy the content of the website. You shall not print, download, copy, modify, reproduce, republish, distribute, display, or transmit for commercial, nonprofit or public purposes all or any portion of the website, except to the extent permitted above. Any unauthorized use of the website or the content is prohibited.

3. Actuarial advice

The website and its content do not constitute actuarial advice for any insurance or reinsurance company, managing agent or brokers. The implementation of any of the methods available in the reports and other material available for download should only be used in conjunction with the advice of an actuary or qualified professional. The accuracy, completeness, adequacy or currency of the website or the content is not warranted or guaranteed. Your use of the content, the website or materials linked from the website is at your own risk.

4. Jurisdiction of services

MatBlas Ltd is registered in England and Wales. Anyone who accesses this website must ensure they comply with the laws of the country where they domiciled. Materials and products available from this website are subject to export control laws imposed by England and Wales and as such materials from this website may not be exported to any jurisdiction that is prohibited by law. By downloading material from this website, you warrant that you are doing so in full compliance with the laws of the England and Wales and the jurisdiction where you reside and where you are accessing the website from.

5. Intellectual Property Rights

All content in this website, unless otherwise indicated, is protected by copyright laws including, but not limited to, copyright, trade secret, patent and trademark laws. Unless expressly provided in writing in these Terms of Use, MatBlas Ltd does grant or transfer any of its copyrights, trademarks and patents to you. As such, the content of the website should be used accordingly.

Where applicable, where you provide a written opinion or testimonial about any of the material in the website, you automatically agree that MatBlas can use it in publicity and marketing material. MatBlas may, at its discretion, contact you seeking approval to disclose your name along with the opinion or testimonial.

6. Opt-in and registration

Some materials (reports, videos, spreadsheets, etc.) are only available to those who provide their name or register to become members of the website. It is your responsibility to enter your correct name and e-mail address and to maintain your records up to date to receive future correspondence from us.

Your contact details including name and e-mail will be kept confidential at all times and will only be used to notify you of any changes to the website and news about our products and services that we believe may be of interest to you. You can request from us at any time details of the records we hold about you by sending an e-mail to We reserve the right to refuse registration if there is not sufficient information to identify who you are and where you are located and we reserve the right to cancel your membership at any time and for any reason whatsoever without prior notification.

7. Errors

MatBlas Ltd does not represent or warrant that the website will be error-free, free of viruses or other harmful components, or that defects will be corrected. We do not warrant or represent that the content and any information available on or through the website will be correct, accurate, timely or otherwise reliable. We may make changes to the content or the website at any time.

8. Third-Party sites

Some material on the website is linked to third-party sites such as the Casualty Actuarial Society and the Institute and Faculty of Actuaries. We do not assume any responsibility and assume no liability for any third party content. Furthermore, you shall be responsible for complying with the terms of use of each website you visit.

9. Limitation of liability

The website and its content is provided on as “as-is” basis. We disclaim all warranties of merchantability, fitness for purpose and non-infringement. We shall have no liability whatsoever and whosoever for any loss, injury, claim liability or damage of any kind from any errors and omissions in the content of this website, including technical accuracies and typographical errors. Furthermore we shall have no liability for the unavailability of the website at any point in time; we shall inform our registered users of any planned maintenance or downtime and of any unplanned downtime as soon as practical. We shall have no liability for damage to any equipment in connection to this website.

Our liability to fee paying subscribers of The P&C Insurance Digest or when liability cannot be excluded will be limited to 100% of the fee paid.

10. Unlawful activity

MatBlas Ltd will endeavor to investigate any suspicious or reported activities that it believes are in breach of these Terms of Use and will take appropriate actions to stop it, including but not limited to blocking access to the website to specific users.

We reserve the right to notify the relevant authorities of any suspected unlawful activity or Cyber attack and will seek remedies available in law and in equity for any breach to these Terms of Use.

11. Governing law and jurisdiction

These Terms of Use are governed by the law of England.

12. Privacy

These Terms of Use are subject to our privacy policy, which is available on the website.

13. Cookies

These Terms of Use are subject to our cookie policy, which is available on the website.

15. Severability.

These Terms of Use, and our privacy policy constitute the entire agreement between MatBlas Ltd and you. Where any of these terms may be considered unlawful, unenforceable or conflicting with any other part of the website, such terms would be considered severable from the other provisions, which will be deemed valid.