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These terms of service govern your use of www.insuranceerm.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.
You may view InsuranceERM 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 InsuranceERM's own emailing tool. InsuranceERM 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.
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 www.insuranceerm.com to detect password sharing.
InsuranceERM allows users to leave comments on content produced on the site. If you wish to participate and leave a comment you agree to comply by making fair and reasonable comment; you agree that this comment is original, is not for promotion of goods/services, is not libellous and is decent. You will retain copyright of the comment and are legally responsible for what is published. You are financially responsible to us for any claim against us by a third party.
InsuranceERM will make every endeavour to monitor comments and if we believe it is not suitable or appropriate will remove it from the site. If you believe any comment published is unsuitable or inappropriate please notify us as soon as possible with specific details at email@example.com.
InsuranceERM contains links to other internet websites and will host third party content, such as regulatory material. InsuranceERM 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 InsuranceERM website also contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on InsuranceERM complies with advertising standards, national and international law. InsuranceERM is not responsible for any error or inaccuracy in advertising or sponsorship material.
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 InsuranceERM we accept no financial responsibility to you arising from your use of InsuranceERM and its content. If you are a subscriber we limit our responsibility to you to the price you paid for your subscription.
To access the full content of InsuranceERM 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. InsuranceERM has complete discretion whether to accept the application and may suspend the trial if it wishes. From time-to-time InsuranceERM may alter the length of a trial. Users will be entitled to one trial only within a period specified by InsuranceERM. It will be at InsuranceERM'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, InsuranceERM 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 InsuranceERM. Renewals: InsuranceERM, 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.
www.insuranceerm.com is owned and operated by Field Gibson Media, a company registered in England and Wales with company number 02516864.
We may collect and store information you provide on the Websites for the purposes of:
We may also collect and store information about your computer and about your visits to and use of the Websites (including your IP address, geographical location, browser type, referral source, length of visit and number of page views).
We may gather information about your use of the Websites 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 Websites.
When used, a persistent cookie will enable the Websites to recognise you when you re-visit the Websites.
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 Websites.
We will use your information to:
Please contact us at marketing@insuranceERM.com 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.
In addition, we may disclose information about you:
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.
Where the context permits, the words "we", "our" and "us" are a reference to InsuranceERM.
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 Websites contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
Matthew Edwards, head of mortality and longevity at Willis Towers Watson, delves into the reasons why mortality and longevity rates have departed from the long-term trend
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