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1. Introduction

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.

2. Use of the website

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.

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 www.insuranceerm.com 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. User Generated Comment

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 editor@insuranceerm.com.

6. Third Party Content

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.

7. 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 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.

8. Access - Trial and Paid 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 subs@insuranceerm.com.

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.

9. 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.

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: InsuranceERM 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. 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.

12. Corporate Information

www.insuranceerm.com is owned and operated by Field Gibson Media, a company registered in England and Wales with company number 02516864.