Your attention is particularly drawn to the provisions of clause 6 (Our responsibility to you - limitation of liability)

1. Introduction

1.1 These terms and conditions govern your use of or attendance to:

1.1.1 www.environmental-finance.com, www.insuranceerm.com, www.insuranceassetrisk.com, www.insuranceriskdata.com, www.fieldgibsonmedia.com and www.greenbonddata.org (Websites);

1.1.2 the quarterly magazines published by Field Gibson Media, currently for Environmental Finance and InsuranceERM (Magazine);

1.1.3 the content available on or in the above (Content); and

1.1.4 any event organised by Field Gibson Media (Event).

1.2 By using our Websites, Magazine, accessing any Content or attending any Event you accept these terms of service on behalf of yourself and, if you are doing so in the course of your work or business, on behalf of that business. If you disagree with any part of these terms and conditions, or are not authorised to accept them on behalf of your business or work, please do not use the Websites, Magazine or Content and / or do not attend any of our Events.

1.3 These terms and conditions were last updated on 20 November 2017 and replace all previous Field Gibson Media terms and conditions. We reserve the right to update these terms and conditions as necessary for legal or regulatory reasons or in order to reflect any changes made to our services. If you are a subscriber or you have registered with us for an Event, we will send you an email to notify you of any such changes. We will also post the changes on this page and we recommend that, if you use any of our services, you check this page from time to time.

1.4 The Websites are owned and operated by Field Gibson Media Limited (Field Gibson Media), a company incorporated in England and Wales with company number 02516864, registered address at Pentagon House, 52-54 Southwark Street, London, England, SE1 1UN, VAT number 947181208 on behalf of itself and its wholly owned subsidiary, Fulton Publishing Limited, a company incorporated in England and Wales with company number 03834319, registered address at Pentagon House, 52-54 Southwark Street, London, England, SE1 1UN and Data Protection Registration numbers Fieldgibsonmedia Limited, ZA098022 and Fulton Publishing Limited, Z3048433.

2. Access and use of the websites

2.1 Unless otherwise stated, all intellectual property rights (including copyright and database rights) in the Content and any part of it are owned by Field Gibson Media or its licensors.

2.2 You may view Content for your individual use on any device compatible with the Websites. You may download and store Content from the Websites for your individual use and may print (though not photocopy) single copies of articles for your individual use.

2.3 You may not use the Websites or Content for any unlawful purpose or without getting a licence from us. You may not modify, copy, publish, republish, upload, post, communicate or disseminate Content to third parties without our prior written consent. You may not redistribute or re-circulate any Content to any third parties unless using our own emailing tool.

2.4 You may generate tables from the Websites for use in pitch presentations or conferences for as long as you credit the information to us by clearly and legibly specifying the source (for example, www.greenbonddata.org) on the page where the relevant information is displayed.

2.5 Field Gibson Media does not accept use of generic email addresses where access is available to more than one person.

3. Registration and restrictions on ID use

3.1 If you register for a free trial, a subscription or for attendance to one of our Events, you must provide the necessary registration details including accurate payment information.

3.2 It is your responsibility to ensure the accuracy of your registration information and to keep this information up to date on the relevant subscription, Events or free trial page of the Websites.

3.3 On registration for a free trial or a subscription, you will be issued with a password.

3.4 You may not share your password and user name with anyone else. Your password may be used on multiple computers - at home, in the office, whilst travelling - but only computers for your individual use. A password is for one person's use.

3.5 Password sharing is a breach of our terms and conditions and is likely to result in an infringement of copyright. We monitor usage of the Websites to detect password sharing and, if we detect that you have shared your password, we will notify you with details of the incident.

3.6 Password sharing will result in additional subscription costs being levied and / or cancellation or suspension of your access to the Content.

3.7 You are responsible for use of the Websites made by you or anyone else using your user name and password. If you suspect your user name or password have been compromised, you must notify us immediately by emailing us at info@fieldgibsonmedia.com.

4. Privacy policy

All information received from you when registering for an Event, a trial or a subscription or from your use of any of the Websites will be used in accordance with our Privacy Policy. Please read the Privacy Policy for details on how we may process your data.

5. Third party websites, services and products

5.1 The Websites contain links to other internet websites provided by independent third parties, including advertisers' and sponsors' websites (Third Party Websites). Field Gibson Media includes them to give you an opportunity to access other pages we feel may be of assistance to you. As set out in clause 6 below, we are not responsible for the content of the Third Party Websites and, if you make use of these links, including in order to purchase third party services or products through the Third Party Websites, you do so at your own risk. Our Privacy Policy does not apply to Third Party Websites.

5.2 The Websites also contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Websites complies with advertising standards and with all applicable national and international law. Field Gibson Media is not responsible for any error or inaccuracy in advertising or sponsorship material.

6. Our responsibility to you - limitation of liability

6.1 We will exercise reasonable skill and care in providing the Websites, Content, Magazine and in organising the Events.

6.2 The extent of our responsibility (liability) to you with regards to your use of the Websites, Content, booking or attending an Event or third party products or services available through the Third Party Websites is set out below:

6.2.1 If you are a subscriber and we breach these terms and conditions, our liability to you for any direct damages incurred from using the Websites or Content is limited to the price you paid for your subscription during the year in which you have incurred the damage.

6.2.2 If you are not a subscriber or you incur any loss using the Websites or Content outside the scope of these terms and conditions, we accept no liability.

6.2.3 In addition, we accept no liability for your use of Third Party Websites or in respect of any products or services you access through the Third Party Websites.

6.2.4 In relation to the Content (including Content provided by third parties and products or services made available to you through Third Party Websites), Field Gibson Media is a provider of information for general information purposes and does not provide financial, tax, legal, accounting or other professional advice. Some Content may contain the opinion of third parties and Field Gibson Media is not responsible for these opinions.

6.2.5 In relation to any Event:

6.2.5.1 views expressed by speakers are their own and Field Gibson Media has no liability in relations to any advice given or opinions expressed by speakers during an Event. Any materials used or distributed at an Event are for general information purposes only and should not be relied upon in making financial, legal, tax, accounting or other decisions;

6.2.5.2 subject to clause 9.7.3, if we cannot meet our obligations under these terms and conditions because of circumstances beyond our control, we will not be held liable for any loss, damage or expense suffered by you or a third party. For example in the case of a last minute change in the content, format, venue or timing of an Event;

6.2.5.3 you are responsible for arranging your own insurance in connection with attending an Event and, subject to clause 6.4, we will not be responsible for any loss or damage to you or your property whilst you are in attendance at an Event; and

6.2.5.4 if we breach these terms and conditions in relation to your attendance to an Event, our liability to you is limited to the fee you paid for the Event.

6.3 The limitations of liability in this clause 6 apply for the benefit of Field Gibson Media, its affiliates and all of their respective officers, directors, employees, agents, successors and assigns.

6.4 Nothing in these terms and conditions shall limit or exclude our liability for fraud or fraudulent misrepresentation, death or personal injury directly caused by Field Gibson Media's negligence.

7. Access - trial and paid subscriptions

7.1 To access the full Content of the Websites, it is necessary to register for a trial or to take a paid subscription.

7.2 Free Trials provisions:

7.2.1 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. Field Gibson Media has complete discretion whether to accept the application and may suspend the trial if it wishes. The trial period shall commence once your application has been accepted which will either be shown on the website or sent in writing and will be for a period agreed by the parties. From time to time, Field Gibson Media may alter the length of a trial. Users will be entitled to one trial only within a period specified by Field Gibson Media. At our discretion, we may extend a user a second trial. If you believe you have a genuine reason justifying a second trial, please email us at info@fieldgibsonmedia.com.

7.2.2 During your free trial, Field Gibson Media will grant you a non-exclusive licence to search and view the Content for the purposes of deciding whether you wish to take a subscription. During the trial, you undertake not to download and save in electronic format, copy and paste, make print outs or copies or modify, publish, post, communicate or disseminate any of the Content.

7.3 Subscription provisions:

7.3.1 You may take out a subscription for a period of either one or two years.

7.3.2 In order to purchase a subscription you must provide complete and accurate payment information. By submitting payment details you are (a) making an offer to us to buy a subscription at the price we have communicated to you and (b) confirming you are entitled to purchase a subscription using those payment details. Once we have verified your payment details and email address and accepted your offer, a contract will be formed and we will provide you with access to your subscription.

7.3.3 Unless otherwise stated, the subscription price excludes VAT. All prices shall be subject to the addition of VAT (where applicable) or any other tax payable as will be indicated on your invoice.

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

Corporate subscriptions:

7.3.5 Corporate subscription licences may be purchased to allow multiple members of staff with the same email domain address, or with prior agreed email domain addresses, to access our content.

7.3.6 Corporate licences are individually agreed with a representative from Field Gibson Media. Field Gibson Media will discuss with you the benchmark size of the licence and the parameters of the licence with regards to the staff that will be covered i.e individual department, office, country or global. The cost of the licence will depend on the benchmark set.

7.3.7 Once the benchmark is set, Field Gibson Media is happy to add additional users during the year even if these additional users take the number of active email addresses above the benchmark. These users may be added by you contacting Field Gibson Media or by Field Gibson Media identifying new triallists to its Websites that fit the parameters agreed and automatically adding them. This means that the licence may grow during the term of the licence but there will be no extra cost to you. At renewal, Field Gibson Media will give you the option to remove the additional users and remain at the benchmark level or to move to a new benchmark.

7.3.8 You have the option to opt out of auto-adding if you wish, or to ask for all additional users to be run past you.

7.4 Security:

For payment by card, Field Gibson Media 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 card number and contact information will be provided to our subscriptions processor, Recurly, and payment gateway, SagePay, at the time of purchase. Each card company has its own privacy and data collection practices and we have no responsibility or liability for these independent third parties. Recurly is a PCI-DSS compliant Service Merchant Provider, details can be found at http://recurly.com/security.

7.5 Termination and Renewals provisions:

7.5.1 Corporate subscriptions will not be renewed automatically. We will contact you toward the end of your annual subscription to give you the opportunity to consider whether you want to enter into a new annual subscription. We will inform you if we have made any changes to the subscription prices.

7.5.2 For individual subscriptions purchased directly on line by credit card, Field Gibson Media, through Recurly, will hold your card details in order to facilitate the renewal of your subscription at the end of your subscription term.

7.5.3 Individual subscriptions will not be renewed automatically. If you are an individual subscription user, we will email you two months, 30 days and again, 14 days prior to expiry to ask if you wish to renew your subscription. We will communicate at this stage the cost of renewing your subscription. We may also contact you by telephone to discuss your renewal. There is no notice period if you decide not to renew your individual subscription.

7.5.3 If you tell us you want to renew your subscription, we will charge the renewal subscription fee using the payment details you provided during your registration, unless you have notified us of a change to your payment details.

7.5.4 We have the right to increase the price of your subscription with effect from the renewal date. We will communicate any changes in the price in advance of the end of your then current annual individual subscription. If, further to the price increase, you decide to cancel the renewal of your subscription, you must notify us in writing before the end of your current subscription period.

8. Subscriptions - cancellations and refunds

8.1 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 Websites, 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 Websites that are made available under your subscription.

8.2 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 then current subscription period.

8.3 Field Gibson Media may suspend or cancel your subscription if you breach these terms and conditions. We are under no obligation to notify you in advance of doing so or to refund you for all or part of your subscription price paid.

8.4 If Field Gibson Media ceases to provide the Websites and / or subscription services, you will be entitled to a pro rata refund for a payment already made in relation to the remaining period of your subscription.

9. Events

9.1 Registration:
Subject to availability and acceptance, once we receive the completed booking form for an Event from you, we will confirm your booking in writing (Acceptance). These terms and conditions apply to the contract formed when we confirm our Acceptance.

9.2 Programme:

We accept sponsorship and delegate bookings on the understanding that the programme information listed in the Event documentation is correct at the time of publication but, in certain circumstances, Field Gibson Media may need to change the content, format, venue or timing of an Event. We will notify all delegates of such changes prior to the Event affected by changes.

9.3 Fees:

9.3.1 The Event fee is payable at the time you submit the booking form. Field Gibson Media may change the Event prices at any time but this will not affect registrations which have already been confirmed by us. We cannot guarantee your place until you have paid the Event fee. The Event fee does not include any travel to or from the Event and any accommodation costs incurred.

9.3.2 Unless otherwise stated, the Event fee excludes VAT. All prices shall be subject to the addition of VAT (where applicable) or any other tax payable and such taxes will be indicated on your invoice.

9.3.3 At our discretion, we may offer you a discount on Event fees if you are a holder of an individual or corporate subscription.

9.4 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.

9.5 At the Event:

9.5.1 Please let us know at the time of booking if you have any special access requirements. If you notify us of any dietary requirements at least seven days before the Event, we will make every effort to try to accommodate your requirements. Please note that we might not be able to provide you with a suitable alternative if we receive notification about your dietary requirements less than seven days before the Event.

9.5.2 Without our prior written consent, Field Gibson Media does not allow recording of or photography at the Event by delegates or sponsors.

9.5.3 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 unless caused by our own negligence.

9.5.4 You must comply with all rules, regulations, and other reasonable instructions of the owner of the venue at which the Event is taking place and we reserve the right, without any liability, to refuse admission or eject you from the Event if you fail to comply with these terms and conditions or if, in our opinion, you represent a security risk, nuisance or annoyance to the running of the Event.

9.5.5 It is not permitted to reproduce materials distributed at an Event for commercial purposes.

9.5.6 Please indicate your permission for us to use photos taken at Events by Field Gibson Media on the delegate form when registering for an Event.

9.6 Your details:

9.6.1 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. Your details 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 at the time you make the booking.

9.6.2 Unless you specify otherwise in writing, by registering to attend an Event, you agree to us publishing your name and your company's name in the conference brochure or relevant Event App where we list the attendees.

9.7 Cancellation provisions:

9.7.1 If 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 you do not attend the Event or notify us of your intention to cancel within less than 30 days prior to an Event, the Event fee will be payable in full. Any refunds you are entitled to under this provision may take up to 14 working days to process.

9.7.2 If you have difficulty in attending an Event you have registered for, you are welcome to provide a substitute delegate, but we request you inform us of the change as soon as possible and no later than 24 hours before the start of the Event.

9.7.3 If, due to significant changes we make to the date or venue of an Event (for example where the new venue is more than 10 miles from the original venue) you are not able to attend, we will refund any Event fee you have already paid within 15 working days.

9.7.4 Field Gibson Media will send any refund due under this provision using the same payment method you employed for paying the Event fee.

9.7.5 If you cannot attend an Event you have registered for, contact us on info@fieldgibsonmedia.com as soon as possible.

10. Miscellaneous

10.1 You may not assign or transfer any of your rights or obligations under these terms and conditions without our prior written consent, which may not be unreasonably withheld or delayed. We may transfer any of our rights or obligations under these terms and conditions to any affiliated company or, with your prior written consent not to be unreasonably withheld, to any other party.

10.2 If any provision of these terms and conditions that is not fundamental is found to be invalid, illegal or unenforceable by any court having competent jurisdiction, the invalidity, illegality or unenforceability of that provision will not affect the validity of the remaining provisions of these terms and conditions, which will remain in full force and effect.

10.3 If either party delays or fails to exercise any right or remedy under these terms and conditions, it will not have waived that right or remedy.

10.4 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 these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10.5 These terms and conditions contain the entire agreement between you and Field Gibson Media.

These terms and conditions were updated on 20 November 2017 and have substantially amended our previous terms and conditions. Please read them carefully and keep a copy for your records.