NEFF MEMBERSHIP DIRECTORY
This page contains details of the current North East Fraud Forum membership. (Not all members are represented on this page). Please read disclaimer at bottom of page.
If you are a current member of the NEFF or have just joined and would like your details posted on this page, please contact John Heslop (NEFF Secretary / Administrator ) and supply information as per this page.
192.com Business Services
192.com Business Services are the leading provider of online solutions for identity and age verification, debt tracing and cost-cutting directory enquiries. Our modular range of solutions will verify your customers' identities and protect your business from fraud. With solutions that can be tailored to suit your needs, you can decide the level of check required for your customers based on the risk they pose to your business.
Contact Email: id@192.com
Website: www.192business.com
Alliance & Leicester Commercial Finance plc
Alliance & Leicester Commercial Finance plc [ALCF] is the commercial asset finance division of Alliance & Leicester plc
Contact Email: damir.omejec@alliance-leicester.co.uk
Associated British Foods
ABF are a Ftse 100 global company. They own products such as Twinings, Ovaltine, British Sugar, African Sugar, Bio Fuel, Primark Shops, Kingsmill Bread, Grain, Rice, Yeast, Patak Cooking Sauces, Ryvita and many more. My role as a Regional Security Manager is to advise on and conduct security audits. The major concerns are product contamination, theft and fraud.
Contact Email: ian.sharp1@tesco.net
AXA PPP healthcare is part of the global AXA group. It is the second largest provider of Private Medical Insurance in the UK.
Contact Email: simon.peck@axa-ppp.co.uk
Website: www.axappphealthcare.co.uk
B&Q, largest D.I.Y retailer in Europe, 3rd largest in the world.
National Fraud Investigator dealing with mainly large internal theft and fraud and major external cases of theft and fraud.
Contact Email: annesley.wilson@b-and-q.co.uk
Barclays Anti Money Laundering
Contact Email: howard.r.smith@barclays.co.uk
Bright Grey was launched as Royal London's specialist protection brand in March 2003. Products are distributed through independent UK intermediaries. At the heart of the business is a desire to do the right things right for customers and to deliver a consistent and dependable service to financial advisers.
Contact Email: wendy.crawford@brightgrey.com
Website: www.brightgrey.com
Business Link North East provides local businesses with a single point of access to local business support services. We are dedicated to improving the competitiveness of your business, enabling you to meet the challenges of a changing business world. Our prestigious new head office will be in the heart of the North East at Seaham, however we realise that running your own business can make demands on your time, therefore we have access points all over the region to make it more convenient for you.
You can call us on tel 0845 600 9 006, visit this website, or by e-mailing us for help, we have offices across the region, at which you can access the Business Link service.
Contact Email: enquiries@businesslinknortheast.co.uk
Website: www.businesslinknortheast.co.uk
Callcredit is the UK’s most innovative credit reference agency. We have harnessed state-of-the-art information technology with an unrivalled knowledge of the credit industry’s needs to develop a range of unique information solutions including a powerful suite of online verification solutions which allow lenders to verify the identity of new customers swiftly and with confidence.
Contact Email: enquiries@callcredit.co.uk
Capita is the UK's leading business process outsourcing (BPO) and professional services company. We offer a full range of support services, meeting the needs of our clients across the structure of their entire organisation. We concentrate on delivering service solutions that free up our clients' time and resources so they can focus on their core needs. Capita's service model is flexible and our comprehensive range of services is relevant for clients across a large number of markets.
Website: www.capita.co.uk
Inverita is able to provide clients with the access to the widest range of services in the market; Consultancy. Unique - Voice Risk Analysis. Unique - Accredited Investigators, Surveillance, Recovery, Training and Development. Working within both the Public and Private Sectors. Awards; Service Provider of the Year 2006 – National Outsourcing Association and
Training Initiative of the Year 2006 – Insurance Times.
Website: www.inverita.co.uk
We are a long-established multi-disciplinary firm of Chartered Accountants. In addition to the usual audit, tax and insolvency services, the firm offers a Fraud and Forensic capability. This division is headed by David Ingram whose team has genuine experience in dealing with both the tracing and recovery of assets obtained through fraud and other criminal activity, whether those assets are located within the UK or abroad. Recent cases have involved the recovery of funds from France, Spain, Curacao, The Isle of Man and Hong Kong. In addition to the firm's tracing and recovery of assets capabilities, it also provides fraud awareness training and consultancy services to prevent and detect fraud in organisations.
Contact Email: dingram@cvdfk.com
Website: www.cvdfk.com
Crawford Investigations was established in 1991 when David Crawford the proprietor specialised in long term undercover assignments working on behalf of some household names. Since 1994 he has worked for most Local Authorities in the NE area on 'professional witness' style assignments and receives regular work from businesses, insurance companies and solicitors. Crawford Investigations specialise in surveillance operations ranging from staff disloyalty to fraudulent insurance claims and are OFT and DPA registered. Workload also includes 'trace' and beneficiary enquiries as well as 'bread and butter' investigative tasks. David Crawford also works as a Regional Claims Manager for Quinn Direct Insurance and investigates Commercial Claims.
Contact Email: david@d-c-i.co.uk
Website: www.d-c-i.co.uk
D&B (NYSE:DNB) is the world’s leading source of business information and insight, enabling companies to Decide with Confidence ® for 166 years. D&B’s global commercial database contains more than 117 million business records. The database is enhanced by our proprietary DUNSRight® Quality Process, which transforms the enormous amount of data we collect daily into decision-ready insight. Through the D&B Worldwide Network – an unrivalled alliance of D&B and leading business information providers around the world –customers gain access to the world’s largest and highest quality global commercial business information database.
Website: www.dnb.co.uk
The Society has a 150 year history of looking after local people and has 14 branches in the North Yorkshire South Durham and Tees Valley region. It provides a range of mortgages including fixed rate, Tracker, Discounts, and buy to let as well as Commercial mortgages. Savers needs are catered for through tax efficient ISA accounts and a range of instant access, notice and regular savings products. The Society through one of its subsidiary companies also builds housing for sale.
Contact Email: dsmetcalfe@darlington.co.uk
Website: www.darlington.co.uk
Aims & Objectives : To increase the confidence of consumers, the business community and investors by contributing to the reduction of commercial malpractice. To carry out criminal investigations and prosecutions into offences of fraud, perjury, theft and breaches of the Insolvency Act, Companies Act, Company Directors Disqualification Act and Financial Services Act committed by persons declared bankrupt of officers of companies that are insolvent.
Contact Email: peter.thomas@dti,gsi.gov.uk.
District of Easington
Local Government, providing District Council services for the public.
Contact Email: gordon.fletcher@easington.gov.uk (Audit Manager)
Website: http://www.easington.gov.uk/
Durham City Council
Durham City Council is a District Council providing statutory services such as refuse collection, Council Tax Collection, Housing Benefit Administration, Social housing, etc as well as a number of discretionary services such as leisure facilities, city care, etc
Contact Email: aking@durhamcity.gov.uk or pjackson@durhamcity.gov.uk
Website: www.durhamcity.gov.uk
Eversheds LLP
Susan Howe is a partner in core commercial litigation and head of Litigation & Dispute Management in Eversheds Newcastle office.
She specialises in complex commercial claims and cross jurisdictional litigation, particularly relating to banking, financial services, documentary credits and international trade law. She also has specialised experience in disputes arising from fraud, partnership and shareholder agreements, product liability and warranty claims.
Contact Email: SusanHowe@eversheds.com
Website: www.eversheds.com
Financial Crime Information Network
The network’s primary objective is to encourage and facilitate the exchange of information between law enforcement agencies, government departments and regulatory bodies on actual or suspected criminal activity that makes use of, or impacts on the UK's financial system.
Contact Email: ffinsec@fsa.gov.uk
Gateshead Council
Gateshead Council is the local governmnet body responsible for the provision of a wide range of services to individuals and businesses in the borough. There are approximately 190,000 residents in the borough. Gateshead is home to a large number of local, national and international businesses, and includes the Team Valley Trading Estate, which is one of the largest purpose built commercial developments in the United Kingdom, and the Metrocentre, which is Europe's largest shopping centre.
Contact Email: timbriton@gateshead.gov.uk
Website: www.gateshead.gov.uk
HBOS plc
HBOS is a major UK company. The Group provides retail, business and corporate banking, insurance and investment services through its multi-brand strategy in the UK and internationally. About 72,000 people are employed across the Group. HBOS is the biggest private shareholder base in the UK. HBOS is the UK's largest mortgage and savings provider and number one provider of new investment products. The Group is one of the UK's leading general insurers and has a reputation for excellence in the provision of business banking and corporate finance, delivering innovative funding solutions across a range of markets.
Contact Email: rhona_cooper@bankofscotland.co.uk and lindaheaton@hbosplc.com
Website: www.HBOSplc.com
HMRC (Criminal Investigations Directorate)
The remit of the Criminal Investigations Directorate of HMRC is to provide HMRC with an effective investigation arm to enforce the Exchequer’s Compliance Policies and deliver against the strategic responsibilities across direct tax, indirect tax, criminal finance, excise regimes and frontiers.
Contact Email: mike.heppell@hmrc.gov.uk
Website: www.hmrc.gov.uk
Hutchinson & Leask Ltd
By implementing our products/services you can control the level of fraudulent claims and ensure your overall claims spend is reduced whilst, at the same time, ensuring the ‘customer experience’ is not compromised. In assisting you, we can provide the following services :
Call screening; Desk-top investigation; Field investigation; Fraud and risk management consultancy; Training in First Response, Call Screening and/or Fraud Awareness
Contact Email: magnus@hutchinsonandleask.com
IAC Investigations
Established in 2003 by former Police Investigators and Crime Intelligence Specialists, we are North East Private Investigators providing a professional blend of experience and expertise, supported by state of the art technology. We are actively involved in insurance claims validation and the investigation of suspected fraud on behalf of insurance companies throughout the North East region. We specialise in tracing, surveillance and intelligence gathering on behalf of the Legal Profession, Business & Commerce and the General Public. We are DPA registered and licenced by the OFT and also carry full Professional Indemnity Insurance.
Contact Email: mail@iacinvestigations.co.uk
website: www.iacinvestigations.co.uk
i2 LIMITED
i2 is the world’s leading provider of investigative analysis software with solutions that are proven in law enforcement and commercial organisations around the globe. Analysts and investigators in more than 2000 organisations in over 100 countries now use our software. 20000 customers are supported by offices in the UK and US and through a strong distributor network across Europe, Africa and Asia-Pacific.
i2’s software enhances the analytical capabilities of an organisation and enables understanding of complex and volume data. It has received a number of awards from the international analytical community and Analyst’s Notebook is the standard application for link and timeline analysis.
Website: www.i2.co.uk.
Kinetic Partners LLP
A professional services firm providing a full range of services principally in the financial services sector, but with a small and experienced team providing financial crime expertise regardless of sector, including investigation of fraud both internal and external, corruption, money laundering and expert witness testimony. The firm also has a Licensed Insolvency Practitioner who carries out a range of specialized corporate recovery assignments, where the insolvency legislation is used in the investigation of the individual(s) or companies thought to have perpetrated some form of financial crime.
Website: www.kinetic-partners.com
Legate Group Limited
Legate Group Limited is a commercial fraud, financial intelligence and debt recovery business, providing support to professionals operating in the lending, legal and insolvency sectors, in addition to general industry. Legate Group Limited also provides other ancillary debt recovery and legal related services e.g. absconder tracing and process serving plus most credit and risk management functions. It is a professional and quality driven business that seeks to deliver results whilst recognising the impact of reputational risk on its Clients.
Contact Email: info@legategroup.co.uk
Lloyd's of London International Insurance Market
Lloyd's is an international insurance marketplace where insurance and reinsurance business is underwritten.
Contact Email: malcolm.woolgar@lloyd's.com
Website: www.lloyds.com
Motor Finance Solutions Limited
A provider of consultancy, project and interim management solutions to businesses operating in the finance and leasing sector. Successfully completed projects include due diligence, operations & process reviews, system implementations, user training, portfolio & business acquisition, transfer and closure.
In addition Motor Finance Solutions Limited can utilise the contacts established within the motor finance sector to assist consumers and businesses with the purchase & financing of motor vehicles.
Contact Email: adam.duncan@motorfinancesolutions.co.uk
Morrison Forensic ("MF")
MF works with 13 police forces from all over the UK in providing forensic a/c investigations and evidence for use in court. The business also does Defence work and assignments for the EU/OECD , and UN-affiliated International Association of Anti-Corruption Authorities.The principal (D.N.Morrison) trained as a chartered accountant and barrister before working as a finance manager and director in the private sector , followed by 13 years as an assistant director at the Serious Fraud Office.
Contact E-mail: davidmorrison97uk@yahoo.co.uk
Newcastle Building Society
Newcastle Building Society is the biggest building society based in the North East and one of the strongest mutual building societies in the country. With assets under management of over £4.4bn we are certainly large enough to cope but small enough to care deeply about the needs of our members. The Newcastle Building Society is committed to remaining mutual and by doing so we feel we are better placed to continue to provide our investors with the quality of service expected from one of the country’s strongest building societies.
Contact Email: David.Moore@Newcastle.co.uk
Newcastle Business School - Northumbria University
Based in Newcastle upon Tyne and part of Northumbria University, Newcastle Business School, NBS, has a global reputation for delivering some of the best business and management education in the UK.
Contact Email: jackie.harvey@unn.ac.uk
Website: http://www.newcastlebusinessschool.co.uk/
Northumberland County Council
Northumberland County Council is committed to sound corporate governance and an integral element of this approach is the Council’s determination to eradicate fraud and corruption whether it is attempted from within or outside the Council.
This fraud information website has been developed to both inform and educate all employees and Members of the Council on the ways in which fraud can be perpetrated and the warning signs to look for.
Contact Email: alemarinel@northumberland.gov.uk
Website: http://www2.northumberland.gov.uk/fraud/index.htm
Northumbria University School of Computing, Engineering and Information Sciences
The School is a provider of higher education in a range of disciplines from Mechanical Engineering to Business Information Systems. Perhasp of most interest to NEFF membership are the range of courses in the Digital Forensics, Computer Security and Information Security areas. As well as undergraduate and post graduate programmes there are a series of short courses which members can participate in. These include management introduction to digital forensics, digital forensics applications and social engineering. There is a lso a work based learning Post Graduate Certificate in Digital Foreniscs. The School is heavily involved in research in the digital forensics and information security.
Website: www.northumbria.ac.uk/ceis
Northumbrian Water
Northumbrian Water is a regulated water and sewerage company operating in the north east and south east of England. Currently providing water and sewerage services to 2.6 million people in north east England, and water services to 1.7 million people in south east England. The company is committed to maintaining its excellent reputation for customer service and environmental protection, spending millions of pounds improving service and protecting the environment. As a result, drinkingwater quality and river water quality is among the highest in the country and continuing to provide excellent levels of customer service.
Website: www.nwl.co.uk
P&A Anti-Fraud & Investigation Services
(A division of P&A Receivable Services plc)
Our unrivalled depth of sector specific experience and understanding enables us to provide clients with focused solutions to all risk management matters. With an extensive international network of resources and support we are uniquely placed to assist any organisation which is faced with a situation where fraud is apparent or suspected.
Website: www.pandareceivables.com
Patterson Glenton & Stracey - Solicitors
Patterson Glenton & Stracey provide legal services across all areas including Commercial Law, Commercial & Residential Property, Licensing, Personal Injury, Wills & Probate, Family, Employment, & Education Law from offices in South Shields and Newcastle.
Website: www.pgslaw.co.uk
Penrith Building Society
Local building society based in Penrith, Cumbria
Contact Email: chris.hayward@btconnect.com
Persimmon plc
Persimmon plc is one of the UK's leading housebuilders and trades under the names Persimmon Homes, Charles Church, Westbury Partnerships and Space4. We were the first pure housebuilder to enter the FTSE100 and for 2006 sold over 16,700 homes from over 500 sites.
Contact Email: james.stables@persimmonhomes.com
Website: www.persimmonhomes.com
Royal Bank of Scotland group
Global financial institution providing personal and corporate banking services, insurance and asset management. Core brands include Royal Bank of Scotland, NatWest, Ulster Bank, Citizens, Charter One, Coutts, Adam & Co, RBS Greenwich Capital, Direct Line, Churchill, NIG, Lombard and Angel.
Websites: www.rbs.com <www.rbs.com>
Royal London Group
Royal London Group is the UK's largest mutual life and pensions company. We offer pensions, life assurance, savings & investment products, and provide investment management to both direct customers and financial advisers, principally through the Royal London and Scottish Life brands.
Contact Email: rossmackay@royallondongroup.co.uk and smunro@scottishlife.co.uk
Website - www.royallondongroup.co.uk
Saint-Gobain Building Distribution UK & Ireland
A Division of Saint-Gobain UK & Ireland relating to the distribution of building materials through 13 related companies offering an unrivalled range of products to the complete spectrum of customers involved in the construction industry.
Website: www.saint-gobain.co.uk
Sapphire
Sapphire is an organisation that provides independent and authoritative Information Assurance consultancy services. The organisation has four key areas of business including computer forensics, penetration testing, technical consultancy and ISO27001 consultancy.
Sapphire is ISO27001 certified; this includes every department and to date, Sapphire is the only organisation in the UK to have an ISO27001 certified Computer Forensics laboratory.
Sapphire has an excellent status and is known for their honesty and integrity. Based on this reputation Sapphire has developed a number of alliances with organisations who share the same values.
For more details of the services and products Sapphire offer contact Tina Deighton on 01642 702100.
Website: www.sapphire.net
Sector Forensics Ltd. – Computer Analysis
Sector Forensics Ltd. are proven experts in gathering and analysing digital-based evidence. Our investigations provide digital evidence for use in the criminal and civil court, from internal company disputes to major criminal investigations.
Sector Forensics is committed to providing the highest standards of service within the field of computer based evidence analysis. The company provides an efficient, effective and quality assured service in all aspects of computer examination including data recovery, forensic analysis and expert witness testimony. Sector Forensics offer services to Law enforcement, Legal profession, Public and Private business sectors which exceed the expectations of our customers while providing full value for money. This is underpinned by high standards of service and competitive, transparent commercial terms which benefit regular clients.
Website: www.sectorfor.com
Secure Future Associates Ltd
Secure Future Associates is an independent business security consultancy specialising in delivering bespoke Business Security Solutions to a varienty of industuries. Based in the historic city of Chester with excellent transport links both nationally and internationally. The consultants, Ian Rees and Carol Gillam offer a range of services, which reflect their diverse, yet complimentary skills, utilising their twenty seven years experience within financial services security to deliver a quality service.
Secure Future Associates provides a worldwide service in risk assessment and security consultancy particularly within the call centre/financial services industry. We also conduct investigations into acts of internal fraud or malice both within the UK and the wider off-shore call centre industry.
Contact Email: info@securefutureassociates.co.uk
Website: www.securefutureassociates.co.uk
Shepherd Construction Ltd
Shepherd Construction is an industry leading construction company handling projects up to £100m in value for the Public and Private sectors, including leisure, commercial, industrial, housing, health, education, retail and research laboratories. It operates throughout the UK, with its Head Office in York. Shepherd also has offices located in Manchester, Leeds, Birmingham, St Neots, Darlington and Slough. Shepherd holds three prestigious National Training Awards, as well as the 2002 Contract Journal Award for Training. It was voted the 'Best place to work in Construction' in the 2005 Contract Journal Awards.
It is part of Shepherd Group, one of the largest family owned, private companies in the UK, with Group turnover in excess of £600 million.
Website: http://www.shepherd-construction.co.uk
Skipton Building Society
Skipton is the 7th largest UK building society. We are dedicated to mutuality and are run for the benefit of our members. Today, we enjoy a reputation for being one of the nation's leading financial services providers with assets of over £10 billion.
The Skipton group of companies also includes financial advisory services, estate agents, third party mortgage processors, unsecured lending and debt-factoring.
Contact Email: kathryn.payne@skipton.co.uk
Website: www.skipton.co.uk
South Tyneside Council
Local Authority covering South Shields, Jarrow, Hebburn, Boldon, Cleadon and Whitburn.
Contact Email: customerhelp@southtyneside.gov.uk
Website: http://www.southtyneside.info/
South Tyneside CVS
South Tyneside Council for Voluntary Service provides support to voluntary & community groups within South Tyneside, offering practical support, advice, information, training and sourcing volunteers. South Tyneside CVS has been working with the Voluntary sector for over 25 years helping volunteers to get the most out of the opportunities available and assisting organisations in every aspect of promoting and expanding their services. Our activities include everything from recruiting staff and committee members to helping prepare end of year accounts.
Contact Email: enquiries@southtynesidecvs.org.uk
Website: http://www.southtynesidecvs.org.uk
Stephenson Coates, Chartered Accountants
Tony Coates-Managing Partner. "We have been operating as Chartered Accountants for more than 80 years, and I have some twenty-five years experience as an expert witness. We specialise in the fields of fraud, matrimonial, loss of income and business valuations, and I am a member of the Expert Witness Institute and have recently completed a course for the Cardiff University Bond Solon Expert Witness Certificate".
Website: www.litigation-support.uk.com
storeys:ssp
storeys:ssp offers a complete commercial property service from six offices situated in Edinburgh, Leeds, London, Manchester, Newcastle and Teesside. Specialist professionals provide expertise in the disciplines of Valuation, Landlord and Tenant, Commercial Property Agency, Property Development and Investment, Rating, Property Management, Building Surveying, Town Planning, Corporate Real Estate and Consultancy.
Contact Email: adam.langman@storeys-ssp.co.uk
Website: www.storeys-ssp.co.uk
Tait Walker
Tait Walker is one of the leading firms of independent Chartered Accountants in the North East, with offices in Newcastle, Tees Valley and Northumberland. We are totally committed to serving the business community in the North by providing a personal, proactive service, aimed at building long term relationships with our clients.
Contact Email: david.arthur@taitwalker.co.uk
Website: www.taitwalker.co.uk
The NESIS Group Ltd
All our operatives from the Directors through to the security staff ‘on site’ strive to offer a dedicated Service to both Industry & Commerce and also the Private Sector. We provide a ‘one stop shop’ for all your security requirements from manned guarding services through to a wide range of investigative services and electronic systems.
Northern Enforcement Security & Investigation Services Ltd & NESIS Ltd are solely owned subsidiaries of The NESIS GROUP LTD. Based in North East England, we provide coverage locally and nationally through our regional offices or our access to a network of over 500 agencies we can deploy experienced operatives internationally within 24 to 48hrs of receiving instructions.
Telephone: via our 24hr Operations Control Centre on +44 (0)871 218 0139 where a member of our staff will be able to assist you.
Contact email: information2@nesis.co.uk
Website: www.nesis.co.uk
TIAA Ltd
TIAA Ltd provides business assurance services, including, forensic audit, anti-fraud audit, computer audit and internal audit to community based organisations. Established in 1995, TIAA Ltd operates throughout the UK providing assurance to a wide range of clients. TIAA Ltd are also able to provide ad-hoc investigations at short notice if required.
Contact Email: tiaa@tiaa.co.uk
Website: www.tiaa.co.uk
Tyne & Wear Autistic Society
We provide education and care for children with autism.
Our mission statement: "We strive to excel in providing skills for life for children and adults with autism through inclusive programmes in education,care and social and vocational training."
Website: www.tawas.org.uk.
University of Sunderland
Welcome to Sunderland - a dynamic, modern university with high standards of teaching and research and a growing reputation as the university for enterprise, employment and opportunity. Our ambitious city is a great place to live and work - right at the heart of the buzzing North East of England.
Website: http://www.sunderland.ac.uk
University of Teesside
(Fraud Management Studies Unit, Teesside Business School)
Its core work is the Certificate, Diploma and MA – the Fraud Management Programme, part of which includes the accreditation of the majority of UK national police fraud training. It is currently developing the UK’s first full postgraduate qualification in financial investigation and financial crime with the Assets Recovery Agency, involving a number of financial institutions, and further qualifications in fraud investigation and investigation management for the corporate sector.
Contact Email: p.curry@tees.ac.uk
Website: www.fraudstudies.com
Western Provident Association
WPA is one of the UK's leading (not-for-profit) Health Insurers, who can trace its history back over 100 years.
At WPA we pride ourselves on outstanding levels of Customer Service, and have been voted No.1 for customer satisfaction since 1996. WPA guarantee to pay correctly presented Claims paid within 7 working days, or we will pay you a financial penalty. WPA is a low carbon company, and one of the first UK companies to be accredited with the Environmental Quality Standard BS EN ISO 14001
Website: www.wpa.org.uk
Building Society providing range of products including savings accounts and mortgages as well as insurance products and other investment services.
Contact Email: lmforeman@ybs.co.uk
Website: http://www.ybs.co.uk
Disclaimer
The NEFF does not make any representations regarding the links on this website and is not responsible for the content or accuracy of the materials on these sites. In addition, the links to these sites should not be construed as a recommendation, endorsement, adoption or approval by the NEFF of any products or services offered by the operators of these sites, or the views or opinions expressed therein.