These terms of service govern your use of https://www.insuranceassetrisk.com/ 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 https://www.insuranceassetrisk.com/ to detect password sharing.
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 firstname.lastname@example.org.
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 http://recurly.com/security. 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.
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.
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.
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.
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.