Terms and Conditions
1.1 These are the terms and conditions of service (“Terms”) which govern the use of the LatinFinance website (“Site”) and related Services. If your use of the Site and related Services is pursuant to a separate written subscription agreement, any additional terms and conditions that are contained in that agreement shall be deemed incorporated into these Terms, and to the extent that any of these Terms conflict with any such agreement terms, the agreement terms shall prevail.
Your use of the Site and Services is conditional on you complying with these Terms.
1.2 Please read these Terms carefully. Each time you access the Site or use a Service, these Terms will apply. These Terms may be amended from time to time. It is your responsibility to bring these Terms to the attention of anyone who may, through you, access a Site or view or use any Content (as defined below). If you have any questions regarding these Terms, please contact us at firstname.lastname@example.org. If you do not wish to be bound by these Terms, do not use the Site or the Services.
1.3 You may access the Site as follows:
(a) if you become a Subscriber to our subscription Services which we offer or may offer in the future; or
(b) by accessing the parts of the Site open to the public as a Visitor. In such circumstances, your use of the Site or any Content constitutes your acceptance of these Terms.
1.4 To the extent any individual accesses the Site or uses a Service as an Agent of any legal entity which is a Subscriber, the Agent warrants that he or she has authority to agree to these Terms on behalf of the relevant legal entity.
1.5 Some areas on the Site may only be available to Subscribers.
1.6 The Site may be supported by Sponsors whose names appear on the Site and whose own websites may be accessed by Internet links from the Site.
2.1 “you/your” means (as appropriate) the Visitor and/or Subscriber accessing the Site or using a Service.
2.2 “we/us/our” means Latin American Financial Publications Inc. (“LatinFinance”).
2.3 “Agent” means an employee, partner, director, contractor, agent or representative of any party.
2.4 “Connected Networks” means certain third party social networking sites (including without limitation Twitter and LinkedIn) which we may choose to affiliate with the Site.
2.5 “Content” means all material, data, articles, information and products on the Site or provided as part of a Service (including, without limitation, any publications sent by mail or email as part of a Service, but excluding any Posted Material).
2.6 “External Sites” means websites other than the Site provided by Sponsors or other third parties.
2.7 “Intellectual Property” means copyrights, trademarks, database rights and/or any other intellectual property rights as recognized in any jurisdiction.
2.8 “Interactive Areas” means bulletin boards, email services, discussion groups, messaging systems, including instant messaging facilities, and other public areas that allow interactivity between users of our Site and/or feedback to be provided to us.
2.9 “Investment” means any shares, security, financial product or other investment.
2.10 “Minimum Term” means the initial period of one year from the commencement of any subscription (or such other period as may be agreed in writing for any specific subscription).
2.11 “Posted Material” means the information and/or materials posted to Interactive Areas by you or any third party.
2.12 “Representative” means suppliers, officers, employees, partners, affiliates, subsidiaries, successors and assigns, agents or representatives.
2.13 “Services” means
(a) the supply of on-line or electronic information, publications and data products (including, without limitation, the delivery of the same over the internet, or via mobile phone apps or other digital devices);
(b) the supply of hard-copy publications and other materials; and
(c) other services relating to the Site (including, without limitation, any Interactive Areas).
2.14 “Social Media Page” means a page created, operated or otherwise provided by LatinFinance via a third party social media site, network, application and/or service.
2.15 “Software” means the Intellectual Property in any software that is made available for download from our Site.
2.16 “Sponsors” means sponsoring organizations and advertisers.
2.17 “Subscriber” means a user of our Site and/or Services who has subscribed to our subscription Services under Clause 6.1; and, in the case of an organization subscriber, includes that entity’s authorized users under the subscription. It includes a user pursuant to free trial subscription.
2.18 “Third Party Services” means products or services provided by anyone other than LatinFinance.
2.19 “Visitor” means a user who accesses our Site without a subscription.
3. YOUR USE OF CONTENT, TRADE MARKS AND ANY OTHER INTELLECTUAL PROPERTY
3.1 All rights in and to the Content and the Site belong to LatinFinance or our third party content providers and are protected by the Intellectual Property laws of the U.S. and other countries. We may license third parties to use the Content at our sole discretion.
3.2 You may use the Site and the Content solely for your own personal use and benefit and not for resale or other transfer or disposition to any other person or entity except as expressly authorized by us. Subject to Clause 3.3, you may not, reproduce, modify, transfer, exploit, distribute or dispose of any Content.
3.3 Notwithstanding the limitations in Clause 3.2 above:
(a) a Visitor or a Subscriber may retrieve and display accessible Content on a computer screen or other digital device, print a single copy of individual Site pages on paper (but not photocopy them) and store such materials in electronic form on disc or other digital media (but not on any server or other storage device connected to a network);
(b) a Subscriber is authorized to print or store electronically a single copy of newsletter issues or articles; and a Subscriber may quote or closely paraphrase no more than 20% of the text of an individual article and no more than 10 articles per month for use in pitch books, presentations and other materials presented to colleagues, actual or potential clients in the ordinary course of its business or in published research reports of analysis, on condition that appropriate source and copyright attribution is given in each case; and
(c) a Visitor or Subscriber may use the Site functions that enable the headline of a piece of Content and the initial words in the body of that piece to be sent to others by email, by Twitter or by LinkedIn. The recipients may view that Content on a computer screen or other digital device and may print a single copy on paper. Recipients who are Subscribers may access the full piece by logging in using their username and password.
3.4 The trademark “LatinFinance” is the property of Latin American Financial Publications Inc., and other trademarks/logos appearing on the Site may belong to it or third parties. None of these marks may be used without the express prior written permission of the respective owners.
3.5 Except as expressly authorized by these Terms, distributing, sharing, copying, posting, scanning, forwarding, selling, publishing, retransmitting or otherwise providing access to any part of the Content to anyone without our express prior written permission, is not authorized and may be a violation of copyright laws, including without limitation 17 U.S.C. § 101 et seq.
3.6 Any request for permission to reproduce, distribute, republish or use any Content on the Site or our trademarks for any purpose other than those permitted under this Clause 3 should be sent to email@example.com.
4. YOUR OBLIGATIONS
4.1 The Site is not intended for users under thirteen (13) years of age, and such individuals are not permitted to be Subscribers. If individuals under thirteen (13) years of age wish to view material on any Site as a Visitor, their parent or guardian must agree to these Terms on their behalf.
4.2 You represent and warrant that:
(a) you have the capacity to agree to these Terms; and
(b) you are at least thirteen (13) years of age.
4.3 You undertake that you will, and if you are a Subscriber, you will procure that any licensed user under your subscription will:
(a) comply with all applicable laws in relation to the Site and Services, including without limitation, laws relating to the use of Intellectual Property;
(b) not use the Sites or the Content outside the scope of permitted use under Clause 3 above, nor infringe any Intellectual Property or other rights in or relating to the Site or the Services;
(c) not copy, reproduce, recompile, decompile, disassemble, reverse engineer, upload, download, transmit, create derivative works from or otherwise exploit or tamper with the Site or any software embodied in the Site or any Service;
(d) not prevent or restrict the use of the Site or any Service by other authorized users nor hack into or cause damage to any server or other equipment operated by us; and
(e) comply fully with these Terms.
4.4 You are responsible for procuring the necessary equipment and the payment of telephone, internet and other charges necessary to access and/or use the Site or any Service. We are not responsible for the reliability or continued availability of the telephone lines, internet and equipment you use to access and/or use the Site or any Service.
4.5 Any Content sent for overseas delivery (including, without limitation, any Content for delivery outside the United States) may be subject to import duties and taxes collected at the final destination. All sales or use taxes, import duties or additional customs charges must be borne entirely by you. We have no control over these charges and we expressly disclaim any responsibility or liability for them. Customs policies vary widely from country to country, so you should contact your local customs office for further information.
5. OUR OBLIGATIONS
5.1 Subject to and without limitation to Clause 14, we will exercise reasonable skill and care in our provision of the Services provided to Subscribers, but from time to time faults may occur, in which case we will use reasonable efforts to repair them as soon as reasonably practicable.
5.2 We will endeavor to ensure all subscriptions or other Services are priced correctly on the Site (or otherwise in the Content). However, errors may occur. If such a pricing error is discovered, we reserve the right to give you the option of either cancelling your order for any particular subscription or other Service or reconfirming your order at the correct price.
6.1 In order to access certain specific Content within the Site, and/or to receive certain Services, you must become a Subscriber, as follows: charges are payable for receipt of certain Services (which may include access to certain Content), in which case you may receive such Services on these Terms as a Subscriber who has paid the relevant charges for a specified period of time, and for either a specified number of licensed users or a site license.
6.2 In order to subscribe, you must provide us with accurate and complete information. It is your responsibility to inform us of any changes to that information (including, without limitation, your email address), by updating your details on the relevant section of the Site or contacting us using contact details on the Site. If you do not provide accurate and complete information when you subscribe, we may not be able to provide the Services or Content that you request.
6.3 When you subscribe, you will be given one or more user names and passwords, as appropriate for your subscription to the relevant Service.
6.4 Except to the extent a user name and password is intended for more than one licensed user as agreed by us in writing, the following are not permitted:
(a) any Subscriber or licensed user under any subscription sharing their user name and password with any other person or entity, including with any Agent of such user; nor
(b) access through a single user name and password being made available to multiple users on a network.
6.5 To the extent that the terms of a multiple-user license restrict licensed users to a particular category of individuals (e.g., employees of your organization), you must notify us immediately, using the customer service contact details applicable to your subscription, if a licensed user ceases to fall within the category specified.
6.6 Notwithstanding the restrictions in Clause 6.4 above, you are responsible for all access and use of the Site or any Service by you or anyone else using any of your user names and passwords and for preventing unauthorized use of any of your user names and passwords. If you believe there has been any breach of security (such as the disclosure, theft or unauthorized use of any user name, password or any payment information), you must notify us immediately by emailing firstname.lastname@example.org.
6.8 As a Subscriber, you agree we may refer to the name of your business and to the Services we have provided to you when marketing our business.
7. SUBSCRIPTION CHARGES AND REFUND POLICY
7.1 Subscribers must pay certain charges in order to receive the relevant subscription Service (unless we agree otherwise for a trial period). In most cases, details of applicable charges can be found on the page relating to the relevant subscription Service. Where charges are not published on the Site, the applicable charges will be as agreed between you and us. All payments (including any applicable taxes) must be made in any currency that we may specify. If we do not receive payment for any charges due, we may immediately suspend your rights in relation to the relevant Service (including the relevant Site pages and/or Content). You are responsible for the payment of all charges associated with the use of the Service, Site and/or Content using your user name and password.
7.2 If we cancel your rights in relation to any subscription Service in accordance with Clause 8.4(a) below, unless you are or have been in breach of these Terms, we shall refund you on a pro rata basis any subscription charges you have paid in advance (for the relevant cancelled subscription) which relate to any unexpired part of the subscription period at the date of cancellation. You will still be responsible for any fees or other charges incurred by you until the cancellation of your rights in relation to the relevant subscription Service.
7.3 If you cancel your subscription to any Service in accordance with Clause 8.3 below prior to the end of the subscription period:
(a) subject to clause 7.3(b) below, you shall be entitled to a refund on a pro rata basis of any subscription charges you have paid in advance for any complete months remaining of the subscription period at the date of cancellation beyond the Minimum Term; and
(b) if you were granted any discount on the full value of the subscription charges for the subscription period, we may recalculate the value of the Minimum Term of the subscription period on the basis that no discount was applied to such Minimum Term.
7.4 The parts of the Site showing Services or other products and services for purchase are intended as advertisements only and shall not constitute offers to sell those Services, products or services by us, or our Sponsors. All advertised prices for such products or services are subject to change without notice. See also Clause 12 below in relation to third party products and services.
8. TERM AND CANCELLATION
8.1 With the exception of subscription Services where a Subscriber loses access on expiration of their subscription, use of and access to the Site and Content is not subject to any particular time limits.
8.2 As a Visitor, you may cancel your access to and use of the Site (or receipt of any related Service) on these Terms at any time by discontinuing to access and use of the Site and associated Content.
8.3 You may cancel your subscription on no less than thirty (30) days’ notice to us by mail or email to take effect at any time after the end of the Minimum Term using the customer service contact details applicable to your subscription as detailed at the end of these Terms. You should quote the subscription reference number. There may be a period after the date of cancellation during which you continue to receive publications sent to you as part of your subscription. However, you will not be charged for such publications. For the avoidance of doubt, you shall not be entitled to cancel your subscription prior to the end of the Minimum Term.
8.4 We may cancel your (and, if you are a Subscriber, your licensed users’) access to and use of the Site and Content and/or your receipt of any Service on these Terms (including, without limitation, any subscription) at any time:
(a) if you are a Subscriber, by email notice to you; or
(b) if you are a Visitor or if you (or, if you are a Subscriber, any of your licensed users) commit a breach of any provision of these Terms, immediately without us having to provide notice to you.
8.5 To the extent that the terms in any separate written subscription agreement entitle you to download and store certain Content, upon cancellation of such subscription by either you or us, you agree to delete all such Content stored in your possession or under your control within 30 days of cancellation, unless otherwise agreed with us in writing, or as required by applicable law. For the avoidance of doubt, where applicable law does require the retention of certain Content beyond the 30 day period, you agree that it shall only be retained to the extent required under such law and shall not be used for commercial purposes.
8.6 Cancellation of your access to and use of the Site and Content and/or your receipt of any Service shall not affect any provision of this agreement which is expressly or by implication intended to come into effect or to continue in effect after such cancellation or expiration.
8.7 Cancellation of your access to and use of the Site and Content and/or your receipt of any Service on these Terms (including, without limitation, any subscription), shall not affect our right to receive any outstanding sums due to us at the date of cancellation, which sums shall be payable within fifteen (15) days of such cancellation.
9. CONTENT BY EMAIL
9.1 We may give you the option to request Content by email. We or our Third Party Service providers will also send you emails to keep you updated on developments in the Site and Services. Your subscription to such an email Service and your use of the Content received through these email Services will be subject to these Terms. Subject to Clause 9.2, you can unsubscribe to our email Service by changing your email preferences on the Site.
9.2 For the avoidance of doubt, although you may opt out of receiving promotional messages under Clause 9.1, we retain the right to send you informational email messages about your account or administrative notices regarding the Site, as permitted under the CAN-SPAM Act (15 U.S.C. §7701 et seq.) and other applicable laws.
10. INTERACTIVE SERVICES
10.1 The Site and/or a Social Media Page may contain Interactive Areas including Posted Material. We do not control and are not responsible for Posted Material and as a result, cannot guarantee the veracity or accuracy of any Posted Material. All use of the Interactive Areas is at your risk and you should not rely on Posted Material in any way.
10.2 You hereby grant us, and, if you are a Subscriber, agree to procure the grant to us by all licensed users under your subscription of, a non-exclusive, perpetual, royalty-free license to use, reproduce, modify and/or sub-license all or part of your Posted Material, including to sub-license LatinFinance or third parties to use the same. We may without notice to you or any third party delete, move or edit any Posted Material or part of it.
10.3 To the extent permitted under applicable law, you hereby waive, and, if you are a Subscriber, agree to procure the waiver by all licensed users under your subscription of, all moral rights or rights of a similar nature in any jurisdiction in any Posted Material.
10.4 You are responsible for the content of your Posted Material and you may not within the Interactive Areas or otherwise in relation to a Service or the Site (including, without limitation, any email Service), post, publish, link to, upload, download, send, distribute, use or re-use any information or material:
(a) which is or could be taken to be the provision of advice (including, without limitation, investment advice) or a recommendation to buy or refrain from buying a particular Investment or which has the purpose of affecting the price or value of any Investment;
(b) obtained in breach of confidence or which contains confidential information or infringes any Intellectual Property rights or rights of privacy or other rights of any third party;
(c) which is offensive, threatening, abusive, indecent, defamatory, obscene, degrading or menacing, or is otherwise contrary to applicable law or regulation or promoting an illegal act;
(d) which constitutes unsolicited advertising or promotional material, including but not limited to any chain emails, unsolicited commercial emails, unsolicited bulk email, “spam” or mail bombs; or
(e) which constitutes or contains a virus or other harmful component or malware.
10.5 Without prejudice to Clause 10.4 above, you may not:
(a) use any Interactive Area to carry out criminal, fraudulent or illegal activities;
(b) use any Interactive Area to impersonate any person, company, group or entity or misrepresent a relationship to or with any of the same;
(c) disguise the origin of any message posted in any Interactive Area; nor
(d) collect, store, disclose or otherwise process any personal data in relation to your use of any Interactive Area without the knowledge of the relevant individual or in breach of applicable data protection laws.
10.6 You must comply with any additional rules which may, from time to time, be issued by us at particular sections of the Interactive Areas, and such rules shall be deemed incorporated into these Terms.
10.7 By accessing the Interactive Areas, you agree to indemnify and hold us harmless against all claims, damages, costs and expenses (including legal and other professional fees) which we may incur as a result of any of your Posted Material.
10.8 We reserve the right to remove Posted Material at any time, for any reason, and without notice, including without limitation for any failure to comply with the provisions of this Clause 10. If any Posted Material fails to comply with the provisions of this Clause 10, we reserve the right to prevent you from accessing the Interactive Areas. Notwithstanding the foregoing, we are under no obligation to review, monitor, delete or edit Posted Material on a regular basis.
10.9 Our Representatives may also submit Posted Material to the Interactive Areas. In doing so, Representatives shall act in a personal capacity and any views they might express shall not be considered our views nor the views of a financial or other professional advisor.
10.10 Where Clauses 10.1 to 10.9 apply to a Social Media Page, such Clauses shall be subject to the terms and conditions of use of the third party site, application and/or service on which such Social Media Page appears.
10.11 Notice for Claims of Copyright Violations
If you believe that your work has been copied and posted in the U.S. on our Site in a way that constitutes copyright infringement under U.S. copyright law, you should provide our Copyright Agent (details below) with a written notice that sets forth the infringement details. To be effective, the notice must contain the following information:
(a) a description of the copyrighted work that you believe has been infringed;
(b) a description of the material that you claim is infringing the copyrighted work and a detailed description of where it is located on our web site;
(c) your address, telephone number, and email address;
(d) a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
(e) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf; and
(f) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest.
Please send the written communication to our Copyright Agent at the following address:
By mail or e-mail:
Chief Operating Officer
1101 Brickell Ave., Suite N-1200
Miami, FL 33131 – USA
If you are accessing our Site as a Subscriber, we reserve the right, in appropriate circumstances and at our discretion, to cancel your right of access to the Site if you repeatedly infringe Intellectual Property.
For the avoidance of doubt, the process set out in this Clause 10.11 should only be used to report a claim of copyright infringement. Messages related to other matters will not receive a response through this process.
11.1 No linking is permitted.
12. ADVERTISEMENTS, LINKS AND THIRD PARTY TRANSACTIONS
12.1 The Site or a Service may contain:
(a) links to External Sites. We shall endeavor to highlight such links although some External Sites may be co-branded with ours. External Sites may advertise or provide the opportunity for you to purchase Third Party Services; and/or
(b) advertisements for, and/or the opportunity for you to purchase Third Party Services or products or services from LatinFinance.
12.2 The content of External Sites and Third Party Services is not maintained or controlled by us and we are therefore not responsible for the availability, content or accuracy of External Sites or Third Party Services. We do not (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, the Site or Service; (b) guarantee the accuracy, completeness, usefulness or adequacy of External Sites or Third Party Services; or (c) make any endorsement, express or implied, of any External Sites or Third Party Services. Any advertisement or promotion on the Site of a Third Party Service is not an inducement by us for you to enter into any agreement with the relevant third party.
12.3 Any communications or contracts relating to Third Party Services, payment for and delivery of Third Party Services, and any other associated terms, conditions, warranties or representations are exclusively between you and the relevant third parties. You agree not to hold us liable for any loss or damage incurred as the result of any such contracts, communications or other dealings or the presence of such third parties on the Site.
The Software belongs to us or our suppliers. Your use of the Software is governed by the terms of any license agreement that may accompany or be included with the Software. Do not install or use any Software unless you agree to such license agreement.
14. LIMITATIONS OF LIABILITY
14.1 Nothing in these Terms shall exclude or limit our liability for fraud or intentional unlawful conduct by us, or death or personal injury resulting from our negligence, and the remaining provisions of this Clause 14 shall be subject to this provision.
14.2 DISCLAIMER: WITHOUT PREJUDUCE TO THE REMAINING PROVISIONS OF THIS CLAUSE 14, YOU AGREE THAT YOUR USE OF ANY CONTENT IS AT YOUR SOLE RISK AND ACKNOWLEDGE THAT THE SITE, CONTENT AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” THE CONTENT IS MADE AVAILABLE FOR YOUR GENERAL INFORMATION AND ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION FORMING PART OF THE CONTENT IS NOT INTENDED FOR TRADING OR TO ADDRESS YOUR PARTICULAR REQUIREMENTS. THE CONTENT DOES NOT CONSTITUTE ANY FORM OF ADVICE, RECOMMENDATION OR ARRANGEMENT BY US (INCLUDING, WITHOUT LIMITATION, INVESTMENT ADVICE OR AN OFFER OR SOLICITATION TO BUY OR SELL ANY SECURITY, FINANCIAL PRODUCT OR OTHER INVESTMENT) AND IS NOT INTENDED TO BE RELIED UPON BY USERS IN MAKING (OR REFRAINING FROM MAKING) ANY SPECIFIC INVESTMENT OR OTHER DECISIONS. APPROPRIATE INDEPENDENT ADVICE SHOULD BE OBTAINED BEFORE MAKING ANY SUCH DECISION. THE CONTENT MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE CONTENT. SAVE AS PROVIDED IN THESE TERMS, NEITHER WE NOR OUR LICENSORS AND/OR REPRESENTATIVES (AS DEFINED IN CLAUSE 2.14 ABOVE) MAKE ANY REPRESENTATIONS OR WARRANTIES AND, TO THE FULLEST EXTENT ALLOWED BY LAW, EXCLUDE ALL IMPLIED WARRANTIES (INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF SATISFACTORY QUALITY, TITLE AND FITNESS FOR A PARTICULAR PURPOSE) REGARDING (A) THE SUITABILITY OF THE INFORMATION; (B) THE ACCURACY, AVAILABILITY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE SITE, CONTENT OR SERVICES; OR (C) THE RESULTS OBTAINED FROM ACCESSING AND USING THE SITE, SERVICE OR CONTENT. FURTHER, WE DO NOT REPRESENT OR WARRANT THAT (A) THE FUNCTIONS CONTAINED IN THE SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE; (B) DEFECTS WILL BE CORRECTED; (C) THE SITE, THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; NOR (D) THE USE OF ANY OF THE CONTENT WILL NOT INFRINGE THE INTELLECTUAL PROPERTY RIGHTS OF ANY THIRD PARTY.
14.3 Neither we, nor any Representatives, will be liable to you for:
(a) any incidental, punitive, indirect, special or consequential damage, loss or expenses, including but not limited to any loss of business, contracts, revenue, or profits, any business interruption, security breach, loss of data, loss of goodwill or reputation or other pecuniary loss suffered by you, even if we or any of our Representatives have been advised of their possible existence; nor
(b) any direct damage loss or expenses arising from loss of customers, loss of profits, loss of anticipated profits or loss of savings, security breach or loss of data.
14.4 Without prejudice to Clause 14.3, neither we nor any Representative shall be liable to you for any direct or indirect damage, loss or expenses suffered by you as a result of:
(a) any viruses, worms, “Trojan horses” or similar programs, denial of service attack, spamming or hacking or consequential damages or any claim against us by any other party; or
(b) any fault, inaccuracy, omission, delay or any other failure in the Site or a Service caused by your computer equipment or arising from your use of the Service on such equipment; or
(c) any inaccuracies or errors in or omissions from any Content including, but not limited to, quotes and financial data; or
(d) any delays, interruptions or short-term or immaterial errors in the transmission or delivery of the Site or a Service; or
(e) any additions, deletions or changes made to the Content at any time.
14.5 Without prejudice to Clauses 14.3 and 14.4 and except where you are a Subscriber who has paid the relevant subscription charges, neither we nor any Representative shall be liable to you for any direct or indirect loss, damage or expenses arising by any reason of non-performance by us of these Terms or any other term of our agreement with you.
14.6 Without prejudice to Clause 24 below, to the extent that the provisions of any applicable law shall impose restrictions on the extent to which liability can be excluded under these Terms including, for the avoidance of doubt, the provisions of sections 3, 6 and 11 of the Unfair Contract Terms Act 1977 in the UK (and its equivalent in any other jurisdiction) relating to the requirement of reasonableness, the exclusions set out in this Clause 14 shall be limited in accordance with such restrictions. However, any exclusions of liability that are not affected by such restrictions shall remain in full force and effect.
14.7 Without prejudice to the limitation of liability provisions above, in the event that you incur any loss, damage or expense arising out of your use of the Site, Content or a Service, you agree that our liability to you shall be limited to the sum of the subscription fees payable by you for Services provided in the twelve (12) month period preceding the date on which the claim arose (which, for the avoidance of doubt, shall not include (a) any fees paid during such period for Services provided before such period, nor (b) any fees paid in advance during such period for Services provided after such period).
You agree to indemnify and hold us, our Representatives, licensors and sub-contractors harmless against all costs, claims, damages, liability and expenses (including any professional fees) which we might incur by reason of a breach by you of these Terms including, without limitation, any of the warranties, representations and undertakings in Clauses 4 and 10 above. For the avoidance of doubt, this indemnity shall extend (without limitation) to any losses which we may suffer as a result of the use by third parties of your user name and password, except in circumstances where you can demonstrate to our satisfaction that such third party obtained the relevant details through no fault (including, without limitation, negligence) of your own.
16. CHANGES TO THESE TERMS
We may make amendments to the provisions of these Terms from time to time. Any amended Terms will be notified to you by being posted on the Site and material changes will be emailed to our Subscribers. It is your responsibility to refer regularly to these Terms and note any amendments. Amendments will come into effect immediately on the amended Terms being posted on the Site, and you will be deemed to have accepted them if you access a Site after that time. If you do not wish to accept them, you must cancel as described above.
17. COMPETITIONS AND PRIZES
From time to time we may run competitions, free prize draws and promotions on the Site. These are subject to additional terms that will be made available at the time of such competitions, and such additional terms shall be deemed incorporated into these Terms.
18. CHANGES TO CONTENT
We reserve the right to delete or change any aspect of the Content, the Interactive Areas, the Site and/or any of the technical specifications or any aspect of the same. You agree and acknowledge that such changes may result in you being unable to access the whole or any part of the Site.
19. NO WAIVER
Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.
20. ENTIRE AGREEMENT
These Terms (including any terms incorporated by reference in these Terms), constitute the entire agreement between you and us with respect to your access to and use of the Site or receipt of any Service and supersede all prior agreements, negotiations and discussions between you and us relating to the same. Without prejudice to Clause 14.2 above, we exclude any representations and warranties previously given or made in relation to the same.
21. LAW AND JURISDICTION
21.1 Where you visit, or subscribe to the Site, these Terms (and any dispute or claim arising out of or in connection with these Terms, including non-contractual disputes or claims), to the maximum extent permissible under the law of the territory that you are located in, will be governed by the laws of the State of New York and, where applicable, the laws of the United States of America. Any action to enforce these Terms shall be brought in a federal court in the state of New York or a state court located in the state of New York, county of Kings, and you agree to submit yourself to the personal jurisdiction of those courts in any such action.
22. FORCE MAJEURE
22.1 We shall not be deemed to be in breach of these Terms by reason of any delay in performing, or any failure to perform any Service or our obligations in relation to these Terms, if the delay or failure was due to any cause beyond our reasonable control, including but not limited to acts of God, explosions, floods, fire or accident, war or threat of war, terrorism or threat of terrorism, sabotage, civil disturbance, epidemics, prohibitions or measures of any kind on the part of any governmental, authority, import or export regulations or embargoes, or industrial actions or trade disputes (whether involving our employees or of third parties).
22.2 In the event we are so hindered or prevented, we shall take reasonable steps to give notice of suspension as soon as reasonably possible to Subscribers, stating the date and extent of the suspension and its cause. We shall resume the performance of those obligations that have been suspended as soon as reasonably possible after the removal of the cause. In the event that the cause continues for more than one (1) month we shall refund you for any subscription charges you have paid in advance for any suspended Service.
23. ASSIGNMENT AND SUB-CONTRACTING
23.1 You may not assign, sub-license or otherwise transfer any of your rights under these Terms without our prior written consent.
23.2 We may assign, sub-contract or transfer any and all of our rights and obligations under these Terms to any entity who acquires a substantial part of the assets of our business without your prior written consent.
23.3 Without prejudice to Clause 23.2, we may sub-contract delivery of a Service to any company who operates the business relating to the relevant information, publication or data product forming part of that Service.
If any provision of these Terms is found to be wholly or partially invalid, void or unenforceable by any court having competent jurisdiction or by virtue of any legislation or any other reason, that provision shall be invalid, void or unenforceable to that extent only and no further, and the validity and enforceability of the remaining provisions of these Terms shall not be affected.
Any notice which is required to be given pursuant to these Terms shall be made by email or first class mail, in the case of you, to the address provided on your registration form and, in the case of us, to the address posted on the Site or otherwise notified to you in relation to any relevant Service. Any such notice shall be deemed to have arrived if sent by post within three (3) days of mailing and if sent by email at the time of transmission.
26. THIRD PARTY RIGHTS
No term of these Terms is intended to be enforceable by any person other than you or us.
Headings in these Terms are for convenience only and will have no legal meaning or effect.
Customer services contact details
Please note: if you are unsure which contact details apply to your subscription, please use the details provided for below.
1101 Brickell Ave., Suite N-1200
Miami, FL 33131