These terms and conditions set out the rules for using our websites at www.environmental-finance.com, www.insuranceerm.com, www.insuranceassetrisk.com, www.corporatedisclosures.org, www.insuranceriskdata.com, www.fieldgibsonmedia.com and www.efdata.org (the "Websites").
Please read these terms and conditions carefully before you start to use any of the Websites.
The Websites are operated and owned by Field Gibson Media Limited (trading as "Field Gibson Media"). The expressions "us", "we" and "our" refer to the owner of the Websites.
We are private limited company registered in England and Wales under company number 02516864. Our registered office is at Pentagon House, 52-54 Southwark Street, London, SE1 1UN. Our VAT number is 947181208. We are registered with the Information Commissioner's Office company number ZA098022.
To contact us, please email email@example.com
The term "you" refers to the user or viewer of our Websites.
By using our websites you accept these terms
If you do not agree to these terms, you must not use our Websites.
We recommend that you print a copy of these terms for future reference.
There are other terms that may apply to you
- Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our Websites. When using our Websites, you must comply with this Acceptable Use Policy.
If you are a business user and you wish to purchase a subscription to access our content or attend one of our events then our Subscription and Event Terms will apply.
We may make changes to these terms
We amend these terms from time to time. Every time you wish to use our Websites, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 14 May 2021.
We may make changes to our websites
We may update and change the content on any of our Websites at any time without notice to reflect changes to our services, our users' needs and our business priorities.
We may suspend or withdraw our websites
Our Websites are made available free of charge although access to certain content and events is only available to business users on a subscription or pay to access basis.
We do not guarantee that our Websites, or any materials published on them, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Websites for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal if you are a business user that has (i) purchased a subscription to access our content; or (ii) registered to attend one of our events.
We may transfer this agreement to someone else
We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
How you may use material on our websites
We are the owner or the licensee of all intellectual property rights in our Websites, and in the material published on them. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You agree not to modify, reproduce, copy, distribute, disclose to third parties or derive commercial use or benefit from our Websites or the material published on them without our prior written consent.
You agree not to use or permit the use of our Websites or the material published on them for any illegal purpose or in a way that would harm the reputation of Field Gibson Media.
Do not rely on information on our websites
The content on our Websites 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 any of our Websites.
Although we make reasonable efforts to update the information on our Websites, we make no representations, warranties or guarantees, whether express or implied, that the content on our Websites is accurate, complete or up to date.
We are not responsible for websites we link to
Where our Websites contain links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked sites or information you may obtain from them.
We have no control over the contents of those sites or resources.
Our responsibility for loss or damage suffered by you
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
We have no liability to you for any loss of profit, loss of business, business interruption, loss of business opportunity or for any indirect or consequential losses.
Different limitations and exclusions of liability will apply to liability arising as a result of a business user's purchase of a subscription to access materials published on any of the Websites or registration to attend one of our events, which will be set out in our Subscription and Event Terms.
How we may use your personal information
Uploading content to our site
Whenever you make use of an interactive feature on any of our Websites 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. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
Any content you upload to any of our Websites 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 our Websites a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you license to us are described in Rights you are giving us to use material you upload.
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 any of our Websites constitutes a violation of their intellectual property rights, or of their right to privacy.
We have the right to remove any posting you make on our Websites if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy.
You are solely responsible for securing and backing up your content.
Rights you are giving us to use material you upload
When you upload or post content to our site, you grant us the following rights to use that content:
- a worldwide, non-exclusive, royalty-free, perpetual, transferable licence to use, reproduce, distribute, prepare derivative works of, display, and perform that user-generated content in connection with the service provided by the Website and across different media including to promote the Website or our publications and events; and
- a worldwide, non-exclusive, royalty-free, perpetual, transferable licence for other users to use the content for their purposes.
We are not responsible for viruses and you must not introduce them
We do not guarantee that our Websites will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our Websites. You should use your own virus protection software.
You must not misuse our Websites 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 Websites, the server on which our Websites are stored or any server, computer or database connected to any of our Websites. You must not attack our Website 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 Websites will cease immediately.
Rules about linking to our Websites
You may link to the home page for any of our Websites, 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.
We reserve the right to withdraw linking permission without notice.
The site in which you are linking must comply in all respects with provisions of these terms contained in How you may use material on our Websites and Rules about linking to our Websites.
If you wish to link to or make any use of content on any of our Websites other than that set out above, please contact firstname.lastname@example.org
Jurisdiction and applicable law