PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SERVICE
Investment and Pensions Europe Magazine and its associated website at ipe.com, newsletters, news alerts and all news, information, data, images, specifications, reviews, videos, and other content is an information and news service (collectively referred to as the “Service”) from IPE International Publishers Ltd. (“IPE”).
The digital formats of the Service are collectively referred to as “our site”.
By using the Service, you confirm that:
- it is lawful for you to access our site in every country in which you will do so;
- you will only apply to register, and you will only access or attempt to access, the IPE.com Reference Hub (see registration below) when you are outside the United States of America, Canada and Japan.
Other applicable terms
- Our Acceptable Use Policy , which sets out the permitted uses and prohibited uses of the Service. When using the Service, you must comply with this Acceptable Use Policy.
Information about us
The Service is operated by IPE International Publishers Ltd (“We”). We are registered in England and Wales under company number 3233596 and have our registered office at 1 Kentish Buildings, 125 Borough High Street, London SE1 1NP, United Kingdom; which is also our main trading address. Our VAT number is 685 178 492.
Changes to these terms
Please check this page from time to time to take notice of any changes we made, as they are binding on you.
Changes to the Service
We may update the Service from time to time, and may change the content at any time. However, please note that any of the content generated by the Service may be out of date at any given time, and we are under no obligation to update it.
We do not guarantee that the Service, or any content on it, will be free from errors or omissions.
Accessing the Service
The Service is made available free of charge, although access to some content generated by the Service may be chargeable.
We do not guarantee that the Service, or any content generated by it, will always be available or be uninterrupted. Access to the Service is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of the Service without notice. We will not be liable to you if for any reason the Service is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to the Service.
Registration to the ipe.com Reference Hub
In order that you may visit the IPE.com Reference Hub (including the Real Estate part of the Reference Hub), registration is required for all locked-down articles and for this you are provided with, a user ID and password or any other piece of information as part of our security procedures, which you must treat as confidential. This is personal to you and you must not disclose it to any third party.
If you know or suspect that anyone other than you knows your user ID or password, you must promptly notify us at firstname.lastname@example.org.
You shall indemnify us against any unauthorised use of your user ID or password, including use by a third party where you have allowed or facilitated that third party to have access to the part of the Service that requires registration, however so received.
We will only accept applications for registration from:
(a) ‘Overseas Visitors’ ;
(b) ‘Investment Professionals’ ; and
(c) ‘High Net Worth Companies, High Net Worth Unincorporated Associations, and the Trustees of High Value Trusts’.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights contained in the Service, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may copy, print one copy, and may download extracts, of any page(s) from the Service for your personal and non-commercial use; and you may draw the attention of others within your organisation to content posted on the Service so that they can access and read it directly for themselves (but subject to these terms and conditions). However: (a) you must not make the whole or any part of any page(s) that are on, or form part of, the IPE.com Reference Hub available to any other person in any way; and (b) you must not copy, download, store, transmit, display, copy or distribute the whole or any part of any other page(s) in a structured manner or by creating a database in any form comprising all or part of the material on those pages(s), whether they are part of the IPE.com Reference Hub or not.
You must not modify the paper or digital copies of any materials you have copied, printed or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on the Service must always be acknowledged.
You must not use any part of the content on the Service for commercial purposes without obtaining a licence to do so from us or our licensors.
No reliance on information
The Service provides content for general information only. Although care is taken in the preparation of information supplied by us, it is not intended to amount to advice on which you should rely and we are not responsible for you taking or refraining from taking actions on the basis of information provided by us. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Service.
Although we make reasonable efforts to update the information on the Service, we make no representations, warranties or guarantees, whether express or implied:
- in relation to any information, goods or services offered, accessed or obtained through the Service;
- in relation to warrantees of title, non-infringement of copyright or patent rights of others, merchantability, or fitness or suitability for any purpose;
- for the content, accuracy, integrity, lawfulness or otherwise of information on websites over which we have no control;
- as to the suitability for any particular purpose of the information and data generated by the Service;
- as to the accuracy of the description of any goods.
We do not endorse or in any respect warrant any third party products or services by virtue of any advertisement, information, material or content referred to, or included on, or linked from or to the Service.
Limitation of our liability
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Service or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use, the Service; or
- use of or reliance on any content generated by the Service.
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Service or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Uploading content to our site
Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of the Service, you must comply with the content standards set out in our Acceptable Use Policy .
In order to submit material to our site you may be required to register a unique user ID and password (See Registration above). In this event you undertake not to maliciously create additional registration accounts for the purpose of abusing the functionality of the site, or other users; nor to seek to pass yourself off as another user of our site.
You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty.
Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you licence to us are described in the next section (Rights you licence).
We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy. We may also be required to hand over such information by order of a court of law.
We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our site.
We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy and/or prohibit your right to access.
The views expressed by other users on our site do not represent our views or values.
Rights you licence
Viruses and other technologically harmful material
We do not guarantee that our site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Service will cease immediately.
Linking to our site
You may link to our site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy .
If you wish to make any use of content generated by the Service other than that set out above, please contact Publisher, IPE International Publishers Ltd, 1 Kentish Buildings, 125 Borough High Street, London SE1 1NP, United Kingdom, or by email to email@example.com. This may be subject to a fee.
Third party links and resources in our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.
We have no control over the contents of those sites or resources.
IPE, Investment & Pensions Europe and the IPE logos are registered trademarks and service marks. IPE International Publishers Ltd. may also claim trademark and service mark rights in other marks contained in the pages.
If you wish to advertise on this site, please contact Benjamin Pritchett-Brown at firstname.lastname@example.org tel +44 (0)20 3465 9315
If you have any questions about our Terms & Conditions, the practices of this site, or your dealings with this website, you can contact:
IPE Webmaster / Online Services
IPE International Publishers Ltd.
1 Kentish Buildings
125 Borough High Street
Telephone number: +44 (0)20 3465 9300
DEFINITIONS for registration
An ‘Overseas Visitor’ is a person who is domiciled outside the United Kingdom, who (i) expressly agrees only to visit the Service when they are outside the United Kingdom; and (ii) expressly confirms that they are entitled, under the law of the country in which they are domiciled and from which they will visit the Service (if different), to receive the information thereon and to access the contents thereof, whether that information and/or those contents are or may be financial promotions (under section 21 of the Financial Services and Markets Act 2000) (Financial Promotions ), or not.
The Financial Promotions on the IPE.com Reference Hub part of the Service must not be acted upon by persons in the United Kingdom (unless they are Investment Professionals, High Net Worth Companies, High Net Worth Unincorporated Associations, or the Trustees of a High Value Trust).
There are in place proper systems and procedures to prevent visitors from the United Kingdom (other than those to whom these Financial Promotions may lawfully be communicated) from engaging in the investment activities to which the Financial Promotions on the IPE.com Reference Hub relate, with the person directing the communication, a close relative of his, or a member of the same group.
‘Investment Professional’ means:
(i) an authorised person (as that term is defined in the Glossary to the Handbook of Rules and Guidance maintained by the Prudential Regulation Authority and/or the Financial Conduct Authority of the United Kingdom) (the Glossary );
(ii) an exempt person (as that term is defined in the Glossary), where the Financial Promotions on the Service relate to a controlled activity (as that term is defined by section 21(9) of the Financial Services and Markets Act 2000) (a Controlled Activity ) which is a regulated activity to which the person is exempt;
(iii) any other person (1) whose ordinary activities involve him in carrying on the Controlled Activities to which the Financial Promotions on the Service relate for the purposes of a business carried on by him; or (2) who it is reasonable to expect will carry on such an activity for the purposes of a business carried on by him;
(iv) a government, local authority, or international organisation; or
(v) a person (‘A’) who is director, officer or employee of a person (‘B’) falling within any of sub-paragraphs (i) to (iv) where the Financial Promotion is made to A in that capacity and where A’s responsibilities when acting in that capacity involve him in the carrying on by B of Controlled Activities.
The Financial Promotions on the IPE.com Reference Hub part of the Service are directed at Overseas Persons, Investment Professionals, High Net Worth Companies, High Net Worth Unincorporated Associations, and the Trustees of High Value Trusts.
There are in place proper systems and procedures to prevent anyone else from engaging in the investment activities to which the Financial Promotions on the IPE.com Reference Hub relate, with the person directing the communication, a close relative of his, or a member of the same group.
Persons who do not have professional experience in matters relating to investments should not rely on the Financial Promotions on the IPE.com Reference Hub part of the Service
‘High Net Worth Companies, High Net Worth Unincorporated Associations, and the Trustees of High Value Trusts’ means:
(i) anybody corporate which has, or which is a member of the same group as an undertaking which has, a called-up share capital or net assets of not less than (1) if the body corporate has more than 20 members or is a subsidiary undertaking of an undertaking which has more than 20 members, £500,000; or (2) (otherwise) £5 million;
(ii) any unincorporated association or partnership which has net assets of not less than £5 million;
(iii) the trustee of a high value trust;
(iv) any person (‘A’) whilst acting in the capacity of director, officer or employee of a person (‘B’) falling within any of (i) to (iii) where A’s responsibilities, when acting in that capacity, involve him in B’s engaging in investment activity;
(v) any person to whom the Financial Promotion may otherwise lawfully be communicated.
For these purposes, called up share capital has the meaning given in section 547 of the Companies Act 2006.
High Value Trust means a trust where the aggregate value of the cash and investments which form part of the trust’s assets (before deducting the amount of its liabilities) is £10 million; or has been £10 million or more at any time during the year immediately preceding the date on which the Financial Promotion in question was first made or directed.
Net Assets has the meaning given in section 83 of the Companies Act 2006.
The Financial Promotions on the IPE.com Reference Hub part of the Service are directed at Overseas Persons, Investment Professionals, High Net Worth Companies, High Net Worth Unincorporated Associations, and the Trustees of High Value Trusts and the controlled activities and controlled investments to which they relate are only available to such person. Other persons should not act upon them.
There are in place proper systems and procedures to prevent anyone else from engaging in the investment activities to which the Financial Promotions on the IPE.com Reference Hub relate, with the person directing the communication, a close relative of his, or a member of the same group.”