Please read these Terms of Use carefully before accessing or using the CURAS platform. By accessing CURAS, you confirm that you are an authorised representative of an approved organisation and that you agree to be bound by these Terms on behalf of that organisation. If you do not agree, you must not access or use the platform.
| Term | Meaning |
|---|
| "Inshield" | Inshield Ltd, the company operating the CURAS platform |
| "CURAS" | The web-based underwriting intelligence platform operated by Inshield |
| "Platform" | The CURAS application, including all features, interfaces, APIs, and associated services |
| "Platform User" / "You" | An individual granted access to CURAS as an authorised representative of an Approved Organisation |
| "Approved Organisation" | An insurance broker, insurer, or other regulated financial services entity that has been approved by Inshield to access the Platform |
| "Check" | A data query submitted through CURAS, including driver licence verification, vehicle history, or adverse media screening |
| "Check Results" | The data returned by CURAS in response to a Check |
| "Terms" | These Terms of Use, as updated from time to time |
Inshield Ltd is a UK-based insurtech company providing data intelligence services to the motor insurance sector. CURAS is Inshield's proprietary underwriting platform that consolidates third-party data checks — including DVLA driver licence verification, vehicle history (HPI/finance), and adverse media screening — into a single automated workflow.
CURAS is designed exclusively for use by authorised insurance professionals engaged in motor insurance underwriting. It is not a consumer-facing product and is not intended for access by members of the public.
Inshield Ltd is registered with the Information Commissioner's Office (ICO) under Registration Reference: Pending Registration. Company Registration: 17181010.
Access to CURAS is strictly limited to Platform Users who have been granted access by Inshield on behalf of an Approved Organisation. Access is not open to the general public and is not available on a self-serve basis.
To be eligible for access, you must:
- Be an employee, contractor, or authorised representative of an Approved Organisation
- Be acting in a professional capacity in connection with motor insurance underwriting
- Have been individually invited or approved by Inshield to access the Platform
- Agree to these Terms on behalf of your organisation
- Be aged 18 or over
Inshield reserves the right to approve or reject access requests at its sole discretion, without obligation to provide reasons.
Regulated Context
By accessing CURAS, you confirm that your organisation operates in compliance with applicable UK financial services regulation, including (where applicable) FCA authorisation or appointed representative status. CURAS checks access data regulated under the Data Protection Act 2018 and UK GDPR — use of the Platform for purposes outside of legitimate insurance underwriting is not permitted.
Subject to these Terms, Inshield grants you a limited, non-exclusive, non-transferable licence to access and use CURAS solely for the following purposes:
- Conducting driver licence checks (DVLA) in connection with motor insurance underwriting
- Running vehicle history checks (including finance and write-off data) for underwriting assessment
- Performing adverse media screening on individuals as part of a legitimate underwriting workflow
- Reviewing and acting upon Check Results within your organisation's underwriting processes
- Generating and retaining underwriting records in accordance with your regulatory obligations
All use of CURAS must be in accordance with applicable law, including the Data Protection Act 2018, UK GDPR, and any sector-specific regulatory obligations applicable to your organisation.
Each Check submitted through the Platform must relate to a genuine, active insurance underwriting assessment. Speculative, bulk, or exploratory queries not connected to a live underwriting decision are not permitted.
You must not use CURAS in any of the following ways:
- For any purpose other than legitimate motor insurance underwriting
- To conduct Checks on individuals without a lawful basis under UK GDPR
- To conduct speculative, bulk, or automated mass queries not connected to live underwriting decisions
- To share, resell, sublicense, or redistribute Check Results to any third party not authorised under these Terms
- To copy, scrape, reverse-engineer, decompile, or extract data from the Platform in an automated or unauthorised manner
- To attempt to gain unauthorised access to any part of the Platform, its infrastructure, or other users' accounts
- To use Check Results for marketing, credit scoring, employment screening, or any purpose unrelated to insurance underwriting
- To submit false, fabricated, or manipulated data in connection with a Check
- In any manner that violates applicable law, regulation, or the rights of any third party
Important
Misuse of data accessed through CURAS may constitute a criminal offence under the Computer Misuse Act 1990, the Data Protection Act 2018, or other applicable legislation. Inshield reserves the right to report suspected unlawful activity to the appropriate authorities.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must not share your credentials with any other person, including colleagues within your organisation who have not been separately approved by Inshield.
You agree to notify Inshield immediately at support@inshield.co.uk if you become aware of any actual or suspected unauthorised access to your account or any security breach affecting the Platform.
Inshield maintains audit logs of all access and Check activity. Platform Users should have no expectation of anonymity in their use of CURAS. Activity logs may be reviewed by Inshield for compliance, security, and fraud prevention purposes.
Account Responsibility
Your Approved Organisation is jointly responsible for ensuring that all individuals it authorises to access CURAS comply with these Terms. Inshield may hold the Approved Organisation accountable for breaches committed by its authorised users.
The use of CURAS necessarily involves the processing of personal data relating to third-party individuals (such as insurance applicants and named drivers). Platform Users are responsible for ensuring that their use of the Platform is lawful and that a valid legal basis exists under UK GDPR for each Check submitted.
Inshield's collection and use of personal data in connection with the Platform is governed by the CURAS Privacy Policy, which forms part of these Terms by reference.
Where Inshield processes personal data on behalf of an Approved Organisation (acting as a data processor), a separate Data Processing Agreement (DPA) may be required. Platform Users should ensure that appropriate data sharing and processing agreements are in place between their organisation and Inshield prior to submitting Checks.
- You must not submit personal data to CURAS unless you have a lawful basis to do so
- Check Results must be handled, stored, and retained in accordance with your own data protection obligations
- You must not use Check Results for any purpose beyond that for which the Check was originally conducted
- You are responsible for responding to data subject requests relating to Checks your organisation has initiated
All intellectual property rights in CURAS — including the Platform's software, design, workflow logic, algorithms, user interface, branding, and documentation — are owned by or licensed to Inshield Ltd. Nothing in these Terms transfers any intellectual property rights to you or your organisation.
Check Results incorporate data retrieved from third-party sources (including DVLA, HPI providers, and media databases). Ownership of such underlying data remains with the respective data owners. Inshield grants no licence over third-party data beyond what is necessary for your permitted use of the Platform.
You must not reproduce, copy, modify, adapt, or create derivative works from any part of the CURAS Platform without Inshield's prior written consent.
Inshield will use reasonable endeavours to ensure that CURAS is available and functional during normal business hours. However, we do not guarantee uninterrupted access to the Platform and accept no liability for downtime caused by:
- Scheduled or emergency maintenance
- Third-party API outages (including DVLA, HPI providers, or media data sources)
- Circumstances beyond Inshield's reasonable control, including cyberattacks, internet disruptions, or force majeure events
Inshield reserves the right to modify, suspend, or discontinue any feature of CURAS at any time, with or without notice, and without liability to Platform Users.
CURAS provides data retrieved from third-party sources as an informational tool to support underwriting decisions. Check Results are provided on an "as is" basis and Inshield makes no warranties, express or implied, as to the accuracy, completeness, or fitness for purpose of any Check Result.
No Underwriting Advice
CURAS does not constitute underwriting advice. Check Results are data outputs to inform decision-making — they are not a recommendation to accept, decline, or amend any insurance risk. All underwriting decisions remain the sole responsibility of the Platform User and their organisation.
To the fullest extent permitted by law, Inshield shall not be liable for:
- Any underwriting decision made by a Platform User in reliance on Check Results
- Inaccuracies in data sourced from third-party providers (DVLA, HPI, media databases)
- Any loss of profit, revenue, business opportunity, or data arising from use of or inability to use the Platform
- Any indirect, consequential, special, or punitive loss or damage
Nothing in these Terms excludes or limits Inshield's liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
Inshield may suspend, restrict, or permanently terminate a Platform User's access to CURAS at its sole discretion, including (but not limited to) where Inshield reasonably believes that:
- These Terms have been breached by the Platform User or their Approved Organisation
- The Platform is being used for an unlawful or unauthorised purpose
- There is suspected fraudulent or abusive activity associated with the account
- The Approved Organisation's regulatory authorisation has lapsed, been withdrawn, or become subject to enforcement action
- Continued access poses a risk to the security or integrity of the Platform or to third-party data subjects
Inshield is not required to provide advance notice of suspension or termination, and is not obligated to provide reasons in all circumstances. Where Inshield determines it is safe and appropriate to do so, it may provide notification of the action taken.
Effect of Termination
Upon termination, all licences granted under these Terms cease immediately. You must stop using the Platform and must not attempt to access it using alternative credentials. Provisions of these Terms that by their nature should survive termination (including intellectual property, data obligations, and liability clauses) will continue to apply.
These Terms of Use and any dispute or claim arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of England and Wales.
The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.
Inshield reserves the right to update or amend these Terms at any time. Where changes are material, Inshield will provide reasonable notice to Platform Users via email or an in-platform notification. The effective date at the top of this page will be updated accordingly.
Continued use of CURAS following notification of updated Terms constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must immediately cease using the Platform and notify Inshield.
For any questions about these Terms, to report a suspected breach, or to raise any concern about your use of the Platform:
