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Terms & Conditions

1. Introduction

These terms of service govern your use of and how it may be used. By using our website, you accept these terms of service in full. We reserve the right to change these terms of service from time to time and it is your responsibility to ensure you are aware of any changes. If you disagree with any part of these terms and conditions, do not use our website. The site is owned and operated by Field Gibson Media.

2. Use of the website

You may view Insurance Asset Risk for your personal use. You may download material from this site for your own personal use and may print (though not photocopy) single copies for your personal use. You may not modify, republish, upload, or post content from this site for commercial or other promotional use without the prior written consent of the Publisher. You may not redistribute or re-circulate material obtained from this site to any third parties unless using Insurance Asset Risk's own emailing tool. Insurance Asset Risk does not accept use of generic email addresses where access is available to more than one person. Unless otherwise stated the copyright of all material published on the site is owned by Field Gibson Media.

3. Restrictions on Use

Where you have been issued with a password you will not share this password or any change you make to the password with others. Your password may be used on multiple computers - at home, in the office, whilst travelling - but only computers for your own personal use. A password is for one person's use. Password sharing is a breach of our terms and conditions and when discovered will result in additional subscription costs being levied. We monitor usage of to detect password sharing.

4. Privacy policy

All information received from you when registering for a trial, subscribing or from your use of the site will be used in accordance with our Privacy Policy. Please read this for details on how we may use your data.

5. Third Party Content

Insurance Asset Risk contains links to other internet websites and will host third party content, such as regulatory material. Insurance Asset Risk will take every care possible with these links and includes them to give you an opportunity to access other pages we feel may be of assistance to you. We are not responsible for the content of these sites and you make use of these links solely at your own discretion.

The Insurance Asset Risk website also contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on Insurance Asset Risk complies with advertising standards, national and international law. Insurance Asset Risk is not responsible for any error or inaccuracy in advertising or sponsorship material.

6. Our responsibility to you

For our readers we promise to use all reasonable skill, effort and experience to produce content of the highest quality and accuracy. If you are not a subscriber to Insurance Asset Risk we accept no financial responsibility to you arising from your use of Insurance Asset Risk and its content. If you are a subscriber we limit our responsibility to you to the price you paid for your subscription.

7. Access - Trial and Paid Subscription

To access the full content of Insurance Asset Risk it is necessary to register for a trial or to take a paid subscription. Users may register for a trial by completing the registration form. Whilst most users will be accepted for a trial completion of the form is not a right to access the content. Insurance Asset Risk has complete discretion whether to accept the application and may suspend the trial if it wishes. From time-to-time Insurance Asset Risk may alter the length of a trial. Users will be entitled to one trial only within a period specified by Insurance Asset Risk. It will be at Insurance Asset Risk's discretion whether to extend a user a second trial and users with a genuine reason justifying a second trial may email

In order to purchase a subscription you must provide complete and accurate payment information. By submitting payment details you are confirming you are entitled to purchase a subscription. Unless otherwise stated the price excludes VAT. All prices shall be subject to the addition of Value Added Tax (where applicable) or any other tax payable.

Single user subscriptions are only available to an individual email address and not to generic email addresses.

Security: For payment with credit card, Insurance Asset Risk will use all reasonable efforts to safeguard the confidentiality of your credit or debit card details through the use of encryption technology and firewalls. However, "faultless" security does not exist on the Internet. Your credit card number and contact information will be provided to our subscriptions processor Recurly and payment gateway SagePay at the time of purchase. The credit card company has its own privacy and data collection practices and we have no responsibility or liability for these independent practices. Recurly is a PCI-DSS compliant Service Merchant Provider, details can be found at This does not apply to bulk purchases made under a corporate licence which will be invoiced separately by Insurance Asset Risk.

Renewals: Insurance Asset Risk, through Recurly will hold your credit card details in order to facilitate the renewal of your subscription at the end of your subscription term. Prior to being debited for a subscription renewal you will receive two notices to the email address held in your My Account section giving you the opportunity to cancel your renewal. Unless you then notify us before the end of your annual subscription period that you no longer wish to subscribe, your annual subscription will renew for another year. We will charge the subscription using the same card.

8. Refunds

Unless you cancel your subscription before we have started providing any part of it to you (in which case we will provide you with a full refund) then you agree that once you have started accessing the website, you do not have any right to cancel your subscription or any part of it until the end of your then current subscription period. This means you are not entitled to a refund once you have accessed any parts of the site that are permissioned due to the subscription. Although you may notify us at any time of your desire to cancel, if you do so this will not take effect until the end of your subscription period.

9. Courts

The terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from matters relating to the site shall be exclusively subject to the jurisdiction of the courts of England and Wales.

10. Events

Programme: We accept sponsorship and delegate bookings on the understanding that we will do our best possible efforts to deliver the programme as it is promoted in event documentation but it is important to stress that in the process of putting an event programme together the programme does evolve.  If we cannot meet our obligations because of circumstances beyond our control, we will not be held liable for loss suffered by you or a third party. For example in the case of a last minute change in the programme, of a speaker  or an alteration to the venue.

At the event: Insurance Asset Risk does not allow recording of or photography at the event by delegates or sponsors, other than for personal use, without prior written consent.  On the day(s) of the event whilst you are in attendance we are not responsible or otherwise liable to you for any loss or damage to your personal property. At the venue you must comply with all rules, regulations, and other reasonable instructions of the owner of the venue at which the event is taking place.

Privacy policy:  By registering as a delegate to one of our events you agree that your contact details may be passed on to the sponsors and exhibitors of that event.  They will not be passed on to any other third parties.  If you do not agree for your contact details to be passed on to the sponsors and exhibitors of the event please inform us in writing.  In the conference brochure where we list the attendees you agree to us publishing your name and company.

Liability: Except in relation to personal injury/death arising from our negligence or fraud, we shall not be liable to you for any sum greater than the amount you are liable to pay to attend the event.

Payment: Our usual term of accounts is thirty days however all delegates must settle their accounts in full by the start of the event. If we have not received payment in full by the start of the event we reserve the right to refuse you entry or request a credit card guarantee on the day to gain entry.

Cancellation: If as a delegate you wish to cancel a booking with us we will offer a full refund less a 10% administration fee on cancellations received in writing 30 or more days prior to the event.  If a cancellation is received less than 30 days prior to an event the delegate fee will be payable in full.  If you have difficulty in attending you are welcome to provide a substitute delegate, but we request you inform us as soon as possible and no later than 24 hours before the start of the event. If you do not attend the event or notify us of your intention to cancel, the full fee will still be payable.

11. Corporate Information

Insurance Asset Risk is owned and operated by Field Gibson Media, a company registered in England and Wales with company number 02516864.

Privacy policy

Insurance Asset Risk is committed to safeguarding your privacy. This privacy policy explains how we will treat any personal information you supply to us, or we collect from you. Please read this policy carefully as it affects your legal rights. If you do not agree with this policy please do not use the website.

1. Information collected

We may collect and store information you provide on the website for the purposes of:

  • purchasing or receiving our goods or services
  • registering for a password protected login for any of our services or facilities on the website
  • using the feedback facility
  • participating in surveys and research
  • completing enquiry forms
  • supplying us with information for publication on the website
  • any other communication you have with us for any other reason

We may also collect and store information about your computer and about your visits to and use of the website (including your IP address, geographical location, browser type, referral source, length of visit and number of page views).

2. Use of Cookies

We may gather information about your use of the website by using a cookie file. When used, these cookies are downloaded to your computer automatically. The cookie file is stored on the hard drive of your computer as cookies contain information that is transferred to your computer's hard drive.

When used, a session cookie will keep track of you whilst you navigate the website.

When used, a persistent cookie will enable the website to recognise you when you re-visit the website.

All computers have the ability to decline cookies. Please note, should you decline cookies, you may not be able to access certain areas of the website.

We use cookies to analyse the use of the website. This enables statistical and other reports to be produced about the use of the website but such reports will not identify you personally.

Our advertisers and third party suppliers whose websites can be accessed via the website also use cookies, over which we have no control. Such cookies (if used) will be downloaded once you click on an advertisement on the website or transfer to a third party's website.

For more information on cookies, including how to turn them off, view our cookie policy page.

3. Use of your Information

We will use your information to:

  1. 3.1 administer the website
  2. 3.2 enable us to provide, and you to use, the goods, services, and facilities on the website
  3. 3.3 deliver to you any goods purchased from us
  4. 3.4 send to you statements and invoices, and to collect from you payment, for goods, services or facilities purchased from us
  5. 3.5 send to you future marketing information regarding our goods, services, facilities and other features
  6. 3.6 send to you marketing and other commercial information about the goods or services offered by our commercial partners
  7. 3.7 allow our commercial partners to contact you directly with marketing and other commercial information about their goods or services
  8. 3.8 publish information you have supplied to us on the website, where you have supplied such information to us for such purposes
  9. 3.9 enable us to deal with any complaints or queries raised by you

Please contact us at CONTACT@ at any time if you do not want your information to be used in the manner set out in clauses 3.5 or 3.6 or 3.7 above.

All our website's financial transactions are handled through our payment service providers. You should only provide your personal information to our payment service providers after reviewing their respective privacy policy. We will share your information with our payment service providers only to the extent necessary for the purposes of processing payments you make via the website. Our payment service providers are not permitted by us to use your information for any other purpose.

4. Sharing your information

We may disclose your information to any of our employees, officers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes as set out in this privacy policy.

In addition, we may disclose information about you:

  • to the extent that we are required to do so by law
  • in connection with any legal proceedings or prospective legal proceedings
  • in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk)
  • to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling

5. Security of your information

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

We do not accept any responsibility for the security of data sent over the internet.

You are responsible for keeping your password and user details confidential.

6. Miscellaneous

Where the context permits, the words "we", "our" and "us" are a reference to Insurance Asset Risk.

We may update this privacy policy from time to time and it is your responsibility to check to ensure you are aware of the contents of the most up to date policy at any given time.

You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to the payment of a fee (currently fixed at £10.00).

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.