Instagram calls this type of agreement « conditions of use. » It contains information on the use of the service (the website and mobile application), information on copyright infringements, user rights, corporate liability restrictions and a section of the general terms of sale: For the vast majority of insurance policies, the only page highly tailored to the needs of the insured is the declaration page. All other pages are standard forms that, if necessary, refer to terms defined in the returns. Certain types of insurance, such as .B. However, media insurance is written in the form of handwritten policies, written either from new bases or from a mixture of standard and non-standard forms.   By analogy, instruction notes that are not on standard forms or whose language is adapted to the particular circumstances of the insured are called manuscript notes. The Clickwrap method can be used on websites, mobile applications and desktop applications, regardless of the legal agreement that is submitted to users: commercial contracts are legal documents, while business guidelines are guidelines that management must enforce and employees must follow. Companies often make guidelines available to employees in work manuals. However, companies should avoid using language in political documents that could be interpreted as contracts. This placement is the least preferred and least effective style to teach the user that their actions are a chord, because it is too easy for a user not to notice this text. If an insured suffers a loss covered by the policy, the insured can cash in the proceeds of the policy by filing a right or an application for coverage with the insurance company. The company then decides whether the debt should be paid or not. The beneficiary of the proceeds of the policy is designated as a beneficiary. The beneficiary may be the insured person or any other person designated by the insured.