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Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our websites www.lastwordmedia.comwww.international-adviser.comwww.portfolio-adviser.comwww.expertinvestoreurope.comwww.fundselectorasia.com and www.insuranceinvestmentexchange.com (our site), whether as a guest or as a registered user. Use of our site includes accessing, browsing or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms of use, you must not use our site.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our site:

  • Our Privacy Policy, that can be accessed here, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Acceptable Use Policy, that can be accessed here, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.
  • Our Cookie Policy, that can be accessed here, which sets out information about the cookies on our site.

Information about us

www.lastwordmedia.comwww.international-adviser.comwww.portfolio-adviser.comwww.expertinvestoreurope.comwww.fundselectorasia.com and www.insuranceinvestmentexchange.com are sites operated by Last Word Media (UK) Limited (we or us). We are registered in England and Wales under company number 05573633 and have our registered office at c/o Landi Accounting Solutions LTD, 62 Stakes Road, Waterlooville, Hampshire, PO7 5NT, England. Our main trading address is Last Word Media (UK) Limited, 5th Floor, 120 Moorgate, London, EC2M 6UR. Our VAT number is 872 411 728.

We are a limited company.

Changes to these terms

We may revise these terms of use at any time.

Please check this page from time to time to take notice of any changes we may have made, as they are binding on you.

Changes to our site

We may update our site from time to time and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you 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 of use and other applicable terms and conditions and that they comply with them.

Your account and password

Should you register an account on our site, you must provide accurate and complete information about yourself. We are entitled to rely upon any information that you give us.

If you choose, or are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. You are responsible for all access, comments and other activity done by a user logged into your account.

Accounts must only be used by the registered user of that account. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, 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 download and print off one copy of single articles from our site for your personal use.

You may share weblinks to the articles on our site either by directly sending the relevant URL or by using the article sharing tools that we provide. 

You may publish online the original headline form one of our articles on the site and up to the first 150 characters of the main body of the article as long as you embed a link to the original article in your piece. 

You may collate articles published on our site by summarising them in 30 words or fewer as long as you embed a link to the original article in every summary. 

You must acknowledge our site and the author of the article at all times. 

You must not misrepresent the content on our site by publishing quotes from it out of context.

You must not modify the paper or digital copies of any materials you have printed off 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.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site 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, our site;
  • use of or reliance on any content displayed on our site;
  • 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 our site 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 our site, you must comply with the content standards set out in our Acceptable Use Policy.

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 and other users of the site 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 paragraph (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 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.

The views expressed by other users on our site do not represent our views or values.

Rights you licence

When you upload or post content to our site, you grant the following licenses:

  • A non-exclusive licence to us, in perpetuity to use, store and copy that content including but not limited to the right to re-publish, archive, modify, delete and commercially exploit the content.
  • A non-exclusive licence to other users of our site or any third parties, in perpetuity to use, store, copy and distribute that content in accordance with these terms of use.

Viruses

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 which is malicious or technologically harmful.

You must not attempt to gain unauthorised access to our site, theserver 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 our site will cease immediately.

Linking to our site

You may link to our home page, 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.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

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 on our site other than that set out above, please contact us. 

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.

Our site may provide access to tools controlled by third parties which maybe co-branded with us. We take no responsibility for the usability or content or any other aspect of these tools. 

Advertising 

Our site contains sponsorship and advertising and we cannot insure the accuracy of the content or any other aspect of that advertising or sponsorship. 

Applicable law

These terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law whose courts shall have exclusive jurisdiction. 

Contact us

To contact us, please email support@lastwordmedia.com

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