Please read through these terms & conditions ("the Terms") carefully.

By accessing any Incisive Financial Publishing Ltd, Incisive Interactive Marketing LLC or Incisive Photographic Ltd website ("the Sites") or by otherwise accessing any content, software, products or services available through the Sites ("the Content"), you are deemed to have entered into an agreement with Incisive Financial Publishing Ltd, Incisive Interactive Marketing LLC or Incisive Photographic Ltd ("Incisive Media") and to have agreed to be bound by the Terms set out below. The Sites are owned and operated by Incisive Media.

1. Intellectual Property Protection
The term "Intellectual Property Rights" means, copyrights, database rights, trade marks, trade names, domain names, rights in logos, get-up and content, inventions, trade secrets and know-how, patents, all rights of whatever nature in computer software and data, all rights of privacy and all intangible rights and privileges of a nature similar to any of the above, in every case in any part of the world and whether or not registered; and including all granted or pending registrations, and all rights to make applications for registration in respect of any of the same.

All Intellectual Property Rights in the Content and design of the Sites and any material emailed to you or otherwise supplied to you in conjunction with our online products are the property of Incisive Media. You may not use or reproduce any Incisive Media Intellectual Property, including any trademarks, registered or unregistered, (such as the "Risk" name and logo or other trade names appearing on the Sites) for any reason without written permission from Incisive Media.

You agree to grant to Incisive Media a non-exclusive, royalty-free, worldwide, sub licensable, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to Incisive Media by all means and in any media now known or hereafter developed. You also grant to Incisive Media the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against Incisive Media for any alleged or actual infringement or misappropriation of any proprietary right in your communications to Incisive Media.

The software, which operates the Sites, is proprietary software and you may not use it except as expressly allowed under these Terms. You may not copy, reverse engineer, modify or otherwise deal with the software.

2. Use of Incisive Media Content
You may retrieve and display Incisive Media Content on a computer screen or mobile telephone, print individual pages on paper (but not photocopy them) and store such pages in electronic form for your personal, non-commercial use. If you do download material from the site all copyright and other notices must be kept intact.

Except as expressly set out above, you may not reproduce, modify or in any way commercially exploit any of the Content of the Sites. In particular, you may not do any of the following without prior written permission. No parts of any Incisive Media publication or Sites may be reproduced, stored in or introduced into any retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise without the prior written permission of the copyright owners. You may not reverse engineer, modify, decompile, disassemble or translate the Content (whether for the purpose of error correction or otherwise). You may not display the Content on a public bulletin board, ftp site, website, chat room or by any other unauthorized means. Written materials provided in printed or electronic form may not be modified, adapted, translated, or used to create derivative works without the prior written consent of Incisive Media.

Any use of Incisive Media Content not specifically permitted above is expressly prohibited. Requests for permission for other uses may be sent to our Production Department, Haymarket House 28-29 Haymarket London SW1Y 4RX, United Kingdom, or by email to reprints@incisivemedia.com and may be subject to a fee.

3. Use of the Sites

In connection with your use of the Site, you agree that you will not:

a) Transmit any message, information, data, text, software or images, or other content ("Material") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable that may invade another's right of privacy or publicity;

b) Impersonate any person or entity, including but not limited to, an Incisive Media official, forum leader, guide or host or falsely state or otherwise misrepresent your affiliation with a person or entity;

c) Post or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements);

d) Post or transmit any Material that contains a virus or corrupted data;

e) Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;

f) Use the Site’s communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text);

g) Post or transmit any unsolicited advertising, promotional materials, "junk mail", "spam," "chain letters," "pyramid schemes" or any other form of solicitation or any non-resume information such as opinions or notices, commercial or otherwise;

h) Violate any applicable local, state, national or international law;

i) Upload or transmit any Material that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

j) Delete or revise any Material posted by any other person or entity;

k) Manipulate or otherwise display the Site by using framing or similar navigational technology, or

l) Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Incisive Media product or service if you are not expressly authorized by such party to do so.

You assume total responsibility and risk for your use of the site and the internet. Incisive Media provides the site and related information "as is" and does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or noninfringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the service, any merchandise information or service provided through the service or on the internet generally, and Incisive Media shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the service or on the internet generally. You understand further that the internet contains unedited materials some of which are sexually explicit or may be offensive to you. You access such materials at your risk. Incisive Media has no control over and accepts no responsibility whatsoever for such materials.

4. Licence Fee, Payment, and Transactions
Access to certain Incisive Media Content may be subject to a fee or subscription. All payments (including applicable taxes) must be made in advance in a currency specified by Incisive Media. You are responsible for the payment of all charges associated with the use of the Sites using your Username, Password or ID.

All refunds that relate to Incisive Media products or services are at the discretion of Incisive Media. Any product specific offers, conditions or terms are stated at the point of purchase for that product.

5. Terms and Termination
Incisive Media may, at its discretion, terminate or suspend individual or group access to all or part of the Sites (including any right to access and use Incisive Media Content) with or without cause by delivering notice to you. The rights of termination are in addition to all other rights or remedies of Incisive Media provided in these Terms or by law.

6. Changes to the Site
Incisive Media reserves the right, in its discretion, to suspend, change, modify, add or remove portions of Incisive Media Content available on the Sites at any time and to restrict the use and accessibility of the Sites.

7. Registration, Passwords and Responsibilities
Some parts of the Sites require registration. You are solely responsible for the confidentiality and use of and access to the Incisive Media Content and Sites using your username, password or ID. You agree to immediately notify Incisive Media if you become aware of any loss or theft of any username, password or ID or any unauthorised use of a username, password, ID, or any other login details. Incisive Media reserves the right to monitor and record activity on the Sites,including access to Incisive Media Content.

8. Privacy Policy
Incisive Media maintains a high level of privacy and security for your details. Click here to view our online Privacy Policy in full.

9. No Warranty, Disclaimer of Liability and Indemnity
Whilst every effort has been made to ensure the high quality and accuracy of the Sites, Incisive Media makes no warranty, express or implied concerning the Content of the Sites, which is provided "as is". Incisive Media expressly disclaims all warranties, including but not limited to warranties of fitness for a particular purpose and warranties of satisfactory quality. In no event will Incisive Media, its affiliates or other suppliers be liable for direct, special, incidental, or consequential damages (including, without limitation, damages for loss of business profits, business interruption, loss of business information or other pecuniary loss) arising directly or indirectly from the use of (or failure to use) or reliance on the Content, even if Incisive Media has been advised of the possibility that such damages may arise. Incisive Media does not guarantee the accuracy or timeliness of the Content appearing on the Sites, or that the Sites or related systems are free from viruses or other contaminating or destructive properties. In the event that Incisive Media incurs any liability whatsoever, the aggregate liability shall not exceed the amount that you originally paid for the service. Except in respect of fraudulent misrepresentation, this Agreement together with any order form and payment method instructions set forth the entire agreement and understanding of the parties relating to the subject matter herein. Any prior written or verbal agreements are superseded by this Agreement.

10. Force Majeure
Incisive Media, its affiliates and its information providers will not be liable or deemed to be in default for any delay or failure in performance or interruption of the delivery of Incisive Media Content resulting directly or indirectly from any cause or circumstance beyond its or their reasonable control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorised access, theft, operator errors, severe weather, earthquakes or natural disasters, strikes or other labour problems, wars, or governmental restrictions.

11. Links To Third Party Websites
The Sites may contain links and pointers to Internet sites maintained by third parties. Incisive Media does not operate or control in any respect any information, products or services on such third party sites. Links are provided solely for your convenience, and do not constitute any endorsement by Incisive Media and/or its suppliers. You assume sole responsibility for use of third party links and pointers.

12. Miscellaneous

Changes to these Terms
Incisive Media may, at its discretion, change these Terms (including those relating to your use of the Sites and/or the Incisive Media Content). When the Terms are changed, Incisive Media will notify you by email or by publishing details of those changes by including them in these Terms.

Rights of reply
If at any time you, or your organisation, have a complaint or comment to make about the Content featured within the Sites they should contact the editor for that particular product whose details can be found on the product pages in question.

Advertising and Third Party Content
Parts of the Sites may contain advertising or other third party content. Advertisers and other content providers are responsible for ensuring that material submitted for inclusion on the Sites complies with international and national law. Incisive Media is not responsible for any third party content or error, omission or inaccuracy in any advertising material.

Invalid Provision
If any provision of this agreement is held to be invalid by a court of competent jurisdiction, Incisive Media shall amend the invalid provision in such reasonable manner as achieves the intention of the parties without illegality, or at Incisive Media's discretion such provision may be severed from this agreement and the remaining provisions shall nevertheless remain in full force and effect. Any cause of action of yours with respect to these Terms must be filed in a court of competent jurisdiction in England and Wales.

13. Governing Law and Jurisdiction

These Terms shall be governed by, and construed in accordance with, English law. The parties irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute, which may arise out of, under, or in connection with these Terms or the legal relationship established by them, and for those purposes irrevocably submit all disputes to the jurisdiction of the English courts.