‘Cyber Fraud’ means any of the following, when such event results in direct financial loss to an Insured:
An Identity Theft: The unauthorized use of a card, card number or account number associated with a bank account or credit account issued to or registered in an Insured's name, when the Insured is legally liable for such use.
The forgery or alteration of any cheque or negotiable instrument.
Acceptance in good faith of counterfeit currency; or
An intentional and criminal deception of an Insured to induce the Insured to part voluntarily with something of value.