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By registering on our web site you automatically agree to be bound by these Terms and Conditions. These terms and conditions cover www.insuranceinsider.com, www.trading-risk.com, www.insidefac.com, www.insiderquarterly.com and any other websites controlled by Insider Publishing Ltd, Trading Risk Ltd, Informed Publishing Ltd and Micro Risk Ltd.

Registration and Subscriptions

In order to access our restricted content, you will need to follow a registration process, enter your email address and select a password. It is your responsibility to update your details with any changes either by doing so online under "Manage my profile" or by contacting us.

You will be identified by your registered email and chosen/given password. These details are personal to you and you are responsible for maintaining the confidentiality of these. You shall be responsible for all use of the site made by anyone using that registered email address and password. Any unauthorised use of the site(s) and/or of your details should be reported to Insider Publishing Ltd immediately by emailing: annie@insuranceinsider.com

A subscription to any of our publications is for the named subscriber only, and may not at any point be shared, circulated, saved or re-distributed to anyone internally or externally without prior written consent from Insider Publishing Ltd.

Multiple/corporate licenses and subscriptions combining different publications are available, but are subject to signing a separate agreement. Any such agreement will also be subject to the above-mentioned Terms and Conditions. Please contact annie@insuranceinsider.com for further information. We do not allow corporate license holders to reduce the number of subscribers included or the cost of their corporate license.

By completing the sign-up process and requesting an invoice, you are agreeing to our terms and conditions. We do not allow refunds for any of our publications, including full or partial refunds.

Our payment terms are 15 days from the date of invoice. Unpaid invoices are subject to a late charge, which is assessed at £50 for each 5 increment past the due date.

How you can use the material we provide

You may do the following:
- View our content for your personal use on any device that is compatible with www.insuranceinsider.com, www.trading-risk.com, www.insidefac.com and www.insiderquarterly.com (this might be your PC, laptop, smartphone, tablet or other mobile device) and store the content on that device for your personal use
- Print single copies of articles on paper for your personal use
- Share links to articles by using the article tools we make available at the foot of each article

How may I republish or redistribute your content?

Except as set out above, you may not copy any of our content from www.insuranceinsider.com, www.trading-risk.com, www.insidefac.com and www.insiderquarterly.com or any third party source of our content such as news aggregators and you may not republish or redistribute full text articles, for example by pasting them into emails or republishing them in any media, including websites, newsletters or intranets.

For the purposes of this agreement "material" refers to any information published on www.insuranceinsider.com, www.trading-risk.com, www.insidefac.com, www.insiderquarterly.com and any other websites controlled by Insider Publishing Ltd, Trading Risk Ltd, Informed Publishing Ltd and Micro Risk Ltd including, but not limited to, all text, images and graphics of any nature whatsoever, regardless of whether the copyright or any other intellectual property rights rest with Insider Publishing Ltd, Informed Publishing Ltd, or a third party.

You may download and print extracts from the material and make copies of these for your personal use only. You are not allowed to download or print the material, or extracts from it, in a systematic or regular manner so as to create a database in an electronic or paper form comprising all or part of the material published. You must not reproduce, transmit or re-circulate any material obtained from the site in its original form or any other form to any third party without prior written consent from Insider Publishing Ltd.

What am I not permitted to do with content?

You cannot do anything other than make use of the content as set out above, unless you buy the appropriate licence, see below for contact details. By way of example only, this means that you cannot:
- If you are a registered user or subscriber, share your user name and password with anyone else. A password is for one person's use. Sharing a password means a copy of our content may subsequently be made by someone who is not authorised to do so. Password sharing is a breach of our terms and conditions and is likely to result in an infringement of copyright. We monitor usage to detect password sharing
- Copy, publish, edit, forward or redistribute full text articles, pdfs, graphics, tables or images, either via e-mail that you receive from us or from content online
- Create derivative works from our content, unless you are creating summaries as described above
- Photocopy or scan copies of individual articles or of hard copies

What will you do about possible past misuse if my organisation wants to buy a licence to cover future use?

If you voluntarily disclose misuse that no longer occurs and you engage meaningfully with us to formalise that usage within a reasonable timescale by acquiring the appropriate licence, then our sole objective will be to build a long-term commercial relationship. This will be at our normal corporate subscriptionrates and we will not seek compensation from you for past misuse. We will take a less lenient approach with individuals and organisations that we discover infringing our copyright, particularly if those organisations refuse to stop the infringing activity and/or refuse to engage with us.

Copyright

Insider Publishing Ltd owns the copyright or similar rights to all material presented on www.insuranceinsider.com, www.trading-risk.com, www.insidefac.com, www.insiderquarterly.com and any other websites controlled by Insider Publishing Ltd, Trading Risk Ltd, Informed Publishing Ltd. This includes graphics and other media, unless otherwise stated. All of the material published on the websites stated above is protected by copyright law and should only be used as set out in the terms presented to you.

Any usage that is made, outside of our term & conditions listed without the prior written permission from Insider Publishing Ltd may therefore infringe our copyright which will result in personal and corporate liability, detailed in our Legal Disclaimer.

Should you be interested in any way to republish any material from our websites for bulk distribution, otherwise not previously stated, you must contact annie@insuranceinsider.com or telephone +44 (0)20 7397 0619.

Any changes to these Terms and Conditions will be made available via www.insuranceinsider.com, www.trading-risk.com, www.insidefac.com, www.insiderquarterly.com, and you will be deemed to have agreed to these changes by accessing the website following the changes taking effect.

Legal disclaimer

Copyright 2012 Insider Publishing Ltd. All rights reserved. All material represented on our sites, or unless specifically indicated otherwise, is under copyright. None of the material, nor its content, nor a copy of it, may be altered in any way, transmitted to, copied or distributed to any other party (including individuals within the same organization) without our prior express written permission.

All trademarks, service marks and logos used are our trademarks, service marks. Our content must not be reproduced, distributed or published in electronic, paper or other form for any purpose without our prior written consent. The content has been prepared without regard to the specific investment objectives, financial situation and needs of any particular recipient.
The content is covered by English Law and by US Federal Law, including the Electronic Communications Act, 18 U.S.C. Sections 2510-2521 and is legally privileged. Content sent to our subscribers electronically via e-mail, or displayed online requiring the use of a log in is confidential information and is intended only for the use of the individual or entity named above.
Statutory damages are calculated per work infringed. Statutory damages range from a few hundred dollars to hundreds of thousands:
- Statutory damages range from $750 per work to $150,000 per work
- In case of "innocent infringement", the range is $200 to $150,000 per work. "Innocent" is a technical term. In particular, if the work carries a copyright notice, the infringer cannot claim innocence.
- In case of "willful infringement" the range is $750 to $300,000 per work.
Damages in copyright cases can be very high. In Lowry's Reports, Inc. v. Legg Mason Inc., a 2003 lawsuit between a publisher of stock analysis newsletters against a company that buys one copy of the newsletters and makes multiple copies for use in-house, the jury awarded damages - actual damages for some newsletters and statutory damages for other newsletters - totaling $20 million.

Attorney's fees

Cost and attorney fees: Copyright Act §505 permits courts, in their discretion, to award costs and award reasonable attorney fees to the prevailing party.

Liability

Insider Publishing Ltd does not give any warranty as to the material published on the site (including availability, accuracy, completeness, currency or reliability of the information provided). You therefore agree that Insider Publishing Ltd shall not be liable for any consequential or incidental damages (including but not limited to any financial loss and loss of business or profits) or for failure to meet any duties even if Insider Publishing Ltd or its representatives have been advised of the possibility of such damages arising.

Additionally, we do not warrant that the site(s) and/or its content are virus free, and accept no responsibility for any infection by virus or other.

Jurisdiction

English law shall govern this agreement and Insider Publishing Ltd and you agree to submit to the exclusive jurisdiction of the English courts.

General Information on Insider Publishing Ltd

If you have any questions or queries regarding your use of the website, your subscription or any other queries you can contact us on the details below:

Insider Publishing Ltd
2nd Floor, Asia House
31-33 Lime Street
London
EC3M 7HT
UK

Telephone: +44 (0)20 7397 0615
Fax: +44 (0)20 7397 0616
Email: info@insuranceinsider.com