Terms and conditions

This page (together with any other documents referred to on it) tells you the terms of use (“Terms”) on which you may make use of our website (our “Site”). Please read these Terms carefully before you start to use our Site. By using our Site, you indicate that you accept these Terms and that you agree to abide by them. If you do not agree to these Terms, please refrain from using our Site immediately. We may revise these Terms at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these Terms may also be superseded by provisions or notices published elsewhere on our Site. 1. Information about us Our site is operated by World Business Media Ltd (“we”, “us” or “our”). We are registered in the United Kingdom under company number 07466248. Our headquarters address is WeWork Bishopsgate, 15 Bishopsgate, London EC2N 3AR. 2. Accessing our site Access to our Site is provided on a temporary basis and we reserve the right to withdraw access to our Site or amend the service we provide on our Site without notice. We will not be liable if for any reason our Site is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms, and that they comply with them. You agree not to damage, interfere with or disrupt access to the Site or do anything which may interrupt or impair its functionality. Anything on our Site may be out of date at any given time, and we are under no obligation to update it. We seek to ensure that information published on our Site is accurate when posted, but we cannot be held liable for its accuracy or timeliness and we may change the information at any time without notice. You must not rely on information on the Site and you acknowledge that you must take appropriate steps to verify this information before acting upon it. 3. Monitoring We reserve the right to monitor and track your visits to the Site. 4. Intellectual property We are the owner or the licensee of all copyright, trade marks, design rights, database rights, confidential information or any other intellectual property rights (together the Intellectual Property) in our Site. The Intellectual Property in our Site is protected by copyright and other intellectual property laws and treaties around the world. All such rights are reserved. 5. License You are permitted to print and download extracts from the Site for your own use on the following basis: (a) no documents or related graphics on the Site are modified in any way; (b) no graphics on the Site are used separately from the corresponding text; and (c) our copyright and trade mark notices and this permission notice appear in all copies. Unless otherwise stated, the copyright and other intellectual property rights in all material on the Site (including without limitation photographs and graphical images) are owned by us or our licensors. For the purposes of these Terms, any use of extracts from the Site other than in accordance with this license for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Site automatically terminates and you must immediately destroy any downloaded or printed extracts from the Site. Subject to this license, no part of the Site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission. Any rights not expressly granted in these terms are reserved. You agree not to adapt, alter or create a derivative work from any of the material contained in this Site or use it for any other purpose than for personal, non-commercial use. 6. SUBSCRIPTION CHARGES AND REFUND POLICY 6.1 Subscribers must pay certain charges in order to receive the relevant subscription Service (unless we agree otherwise for a trial period). In most cases, details of applicable charges can be found on the specific Sites relating to the relevant subscription Service. Where charges are not published on a Site, the applicable charges will be as agreed between you and us. All payments (including any applicable taxes) must be made in any currency that we may specify. We may direct you to make payments to another Group Company or third party payment agent. If we (or our designated agent) do not receive payment for any charges due, we may immediately suspend your rights in relation to the relevant Service (including any relevant Site and/or Content). You are responsible for the payment of all charges associated with the use of the Service, Site and/or Content using your user name and password. 6.2 If we cancel your rights in relation to any subscription Service in accordance with Clause 2.5(b) below, unless you are or have been in breach of these Terms, we shall refund you on a pro rata basis any subscription charges you have paid in advance (for the relevant cancelled subscription) which relate to any unexpired part of the subscription period at the date of cancellation. You will still be responsible for any fees or other charges incurred by you until the cancellation of your rights in relation to the relevant subscription Service. 6.3 If you cancel your subscription to any Service in accordance with Clause 2.4 below prior to the end of the subscription period: (a) subject to clause 1.3(c) below, you shall be entitled to a refund on a pro rata basis of any subscription charges you have paid in advance for any complete months remaining of the subscription period at the date of cancellation beyond the Minimum Term; (b) we shall deduct from the refund due an administration fee of £100, US$150 or €150 (depending on the relevant currency of payment); and (c) if you were granted any discount on the full value of the subscription charges for the subscription period, we may recalculate the value of the Minimum Term of the subscription period on the basis that no discount was applied to such Minimum Term. 6.4 Without prejudice, the parts of the Sites showing Services or other products and services for purchase are intended as advertisements only and shall not constitute offers to sell those Services, products or services by us, our Sponsors or any of our divisions. All advertised prices for such products or services are subject to change without notice. 7. TERM AND CANCELLATION 7.1 With the exception of subscription Services where a Subscriber loses access on expiration of their subscription, use of and access to the Sites and Services is not subject to any particular time limits. 7.2 As a Visitor, you may cancel your access to and use of any Site (or receipt of any related Service) on these Terms at any time by discontinuing to access and use that Site and associated Content. 7.3 As a Registered User, you may cancel your registration at any time by electronic notice to us using the contact information on the relevant Site or otherwise notified to you. 7.4 You may cancel your subscription on no less than thirty (30) days’ notice to us by post or email to take effect at any time after the end of the Minimum Term using the customer service contact details applicable to your subscription as detailed at the end of these Terms. You should quote the subscription reference number. There may be a period after the date of cancellation during which you continue to receive publications sent to you as part of your subscription. However, you will not be charged for such publications. For the avoidance of doubt, you shall not be entitled to cancel your subscription prior to the end of the Minimum Term. 7.5 We may cancel your (and, if you are a Subscriber, your licensed users’) access to and use of any Site and Content and/or your receipt of any Service on these Terms (including, without limitation, any registration or subscription) at any time: (a) if you are a Registered User, by email notice to you; or (b) if you are a Subscriber, by email notice to you; or (c) if you are a Visitor or if you (or, if you are a Subscriber, any of your licensed users) commit a breach of any provision of these Terms, immediately without us having to provide notice to you. 7.6 To the extent that the Specific Terms for any subscription entitle you to download and store certain Content, upon cancellation of such subscription by either you or us, you agree to delete all such Content stored in your possession or under your control within 30 days of cancellation, unless otherwise agreed with us in writing, or as required by applicable law. For the avoidance of doubt, where applicable law does require the retention of certain Content beyond the 30-day period, you agree that it shall only be retained to the extent required under such law and shall not be used for commercial purposes. 7.7 Cancellation of your access to and use of any Site and Content and/or your receipt of any Service on these Terms (including, without limitation, any registration or subscription), shall not affect our right to receive any outstanding sums due to us at the date of cancellation, which sums shall be payable within fifteen (15) days of such cancellation. 8. Events - cancellation and refund policy: Under the Consumer Protection (Distance Selling) Regulations (2000), if you change your mind about attending this event you have the option to notify theinsurer.com of your intention to cancel your booking within 7 days of purchase, in exchange for a full refund, with no penalty. Any refunds provided under this policy will be issued to the credit card(s) used for the purchase and will be processed within 21 business days of confirmation by our customer support team. Cancellations submitted thereafter and up to 30 days prior to the event will incur a charge of 50% of a single ticket. Cancellations submitted after 30 days prior will not be refunded. Payments must be received in full prior to the event or access will not be granted 9. Disclaimer While we endeavour to ensure that the information on the Site is correct, we do not warrant the accuracy and completeness of the material on the Site. We may make changes to the material on the Site, at any time without notice. The material on the Site may be out of date, and we make no commitment to update such material. 10. Implied Terms The material on the Site is provided “as is”, without any conditions, warranties or other terms of any kind. We, any other party (whether or not involved in creating, producing, maintaining or delivering the Site), and any of our group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Site in any way or in connection with the use, inability to use or the results of use of the Site, any websites linked to the Site or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Site or your downloading of any material from the Site or any websites linked to the Site. Nothing in these Terms shall exclude or limit our liability for: (a) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act 1977); or (b) fraud. 11. Investors The information contained on our Site (including, without limitation, the financial information concerning us or our corporate group) is not an invitation to invest in shares or other securities, or any other products or services or otherwise deal in these or enter into a contract with us or any other company. The information provided should not be relied upon in connection with any investment decision. If you need advice, please consult with a professional financial adviser. The past performance of us or any other company referred to on the Site cannot be relied upon as a guide to its future performance. The price of shares and the income derived from them can go down as well as up and investors may not recoup the amount originally invested. Our Site contains certain forward-looking statements that are neither reported financial results nor other historical information. Because these forward-looking statements are subject to assumptions, risks and uncertainties, actual future results may differ materially from those expressed in or implied by such statements. Many of these assumptions, risks and uncertainties relate to factors that are beyond our ability to control or estimate precisely, such as delays in obtaining or adverse conditions contained in regulatory approvals, competition and industry restructuring, changes in economic conditions, currency fluctuations, changes in interest and tax rates, changes in laws, regulations or regulatory policies, developments in legal or public policy doctrines, technological developments, the availability of new acquisition opportunities or the timing and success of future acquisition opportunities. These forward-looking statements speak only as of the date of their publication on the Site. We do not undertake any obligation to publicly release any revisions to these forward-looking statements to reflect events or circumstances after the date of their publication on the Site. 12. Jurisdiction and applicable law The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our Site, although we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country. These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including, without limitation, non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales. 13. Miscellaneous In the event the Customer has existing terms of sale with the Licensor, the existing terms of sale shall govern. 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