These terms and conditions of business (“T&Cs”), together with any Order Confirmation issued by PEI Media Group Ltd (“PEI”), comprise the entire agreement between PEI and you (the “Agreement”). The General, User Generated Content and Definitions sections below  shall apply to the use of our Online Services and/or purchase of our Products and those provisions included in sections A (Books), B (Conferences) and C (Subscriptions) shall apply depending on the types of Products being supplied by PEI in each instance (either exclusively or together where more than one category of Product is being supplied). Should any inconsistency arise between the terms of the General section and those terms relating specifically to the applicable Products, the Product-specific terms shall prevail.

Please read these terms carefully as they determine the contractual basis of the relationship entered into between both parties and are legally binding. PEI reserves the right to make reasonable updates and changes to these T&Cs from time to time. These T&Cs adhere to industry norms and are not subject to renegotiation or one-off amendment. If you have any questions about them please speak to your PEI contact or email us at: customerservices@peimedia.com.

1. Placing an order:
You can order any Product by email, telephone, fax, mail or online. The relevant contact details for PEI are available on our Sites, in our Products and on our marketing material. Our general office details are also included at the end of these T&Cs. Orders placed by you for any of our Products and/or Services shall only be binding when accepted by us as acknowledged by an Order Confirmation. Please note that any person who places an Order on your behalf which is accepted by us can bind you legally. In the case of a Subscription Order, we reserve the right to have your Subscription go live once we have received credit card authorisation or cleared funds from you.

2. Pricing of Products and Services:
We provide the facility to order our Products and Services in a number of different currencies (see below) and are obliged to use exchange rates that will not always correlate with the most current. We will not provide refunds on perceived exchange rate differences nor accept payments made using exchange rates other than those used by us. While we try to ensure that all prices on our website and other marketing material are accurate and consistent, errors may occur. If we discover an error in the price of goods you have ordered we will inform you as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it. If we are unable to contact you we will treat the order as cancelled. If you cancel and you have already paid for the goods, you will receive a full refund.

3. Payment and charges:
All payments made by you in relation to an Order must be made inclusive of VAT or other relevant purchase tax, if any, or similar tax, and shall be made in full at one time. PEI will try to process your Order promptly but does not guarantee that all the benefits of the Product ordered will be available to you by any specified time. We will charge you in British Pounds Sterling, United States Dollars, or Euros depending on the Product and your country of residence. You may also have to pay any applicable local taxes. PEI will notify you of any price increases prior to you renewing a Subscription. Eligibility for any discounts is ascertained at the time you order and cannot be applied retrospectively to an Order. In some cases when you pay for an Order by credit card your credit card company will apply extra charges to a transaction over and above the published fee. We do not receive any portion of such extra charges and the credit card holder is responsible for such charges.

4. Non-payment of fees to PEI
PEI expects to be paid for any Product ordered at the point of sale and no later than 30 days from the date of ordering unless agreed in advance between you and us. We reserve the right to pursue all necessary means, including the imposition of late interest payment and issuance of legal proceedings, to recover payment from you for Products and Services you have ordered from us if full payment has not been received within the agreed period. We also reserve the right to refuse subsequent orders for Products and Services from you or colleagues from the same institution as you until all outstanding payments owed to PEI relating to orders made by you and/or others in the same institution have been cleared.

5. Ownership and intellectual property rights:
The legal and beneficial interest in all copyrights, patents, trademarks, service marks, design rights (whether registered or unregistered), database rights, proprietary information rights and all other proprietary rights as may exist anywhere in the world together with applications associated with any such rights (collectively “Intellectual Property Rights” or IPR) relating to the Products belong to us or our licensors or owner as indicated in the Products, as the case may be, at all times. You obtain no Intellectual Property Rights in the Products pursuant to or arising out of this Agreement. You shall fully indemnify PEI in respect of any infringement of any IPR arising as a result of your use of the Products that is in breach of this Agreement. You shall allow us (or our licensors) to control any proceedings arising as a result of any infringement, threatened infringement or claim relating to the IPR. You shall make no admission as to liability nor agree any settlement or compromise of any action on our behalf. You shall, at our request and cost, offer such assistance as we may reasonably request in relation to any proceedings relating to our IPR. Any recovery obtained from such proceedings shall accrue solely for our benefit. If any infringement, threatened infringement or claim occurs in relation to any IPR, or if we consider that such a claim is likely to occur, we may in our absolute discretion:

(a) procure the right for you to use the Products free of the infringement claim; or
(b) replace or modify the Products to make them non-infringing; or
(c) terminate that part of the Products relating to the infringement (or potential infringement) and return any Charges paid by you in respect to that part of the Products in full and final settlement of any claims; or
(d) if none of these options is reasonably practicable, terminate the Agreement and return any charges paid by you to us on a pro-rated basis for the affected Products in full and final settlement.

All Clients acknowledge and agree that PEI may edit and amend parts of the Products. Any such adjustment will have no meaningful impact on the meaning and validity of the Products, but will serve as a means of uniquely identifying the Products as having been supplied by us to you and the Client accepts that this is a legitimate and lawful measure for PEI to undertake in order to protect our and/or our partners’ intellectual property and copyright. All Clients also agree that in the event that any third party has access to Products that can be identified as having a Client’s unique adjustments then a prima facie breach of these T&Cs on the part of the Client may be assumed by PEI and the necessary remedies undertaken by us as set down in these T&Cs.

6. License agreement:
All Subscriptions to a Product are purchased subject to the terms of a Single-User or Multi-User License Agreement (as outlined below) which, unless otherwise stipulated in writing by PEI, are in each instance issued on a non-exclusive and revocable basis for the duration of the relevant Subscription only.

7. Warranties:
PEI makes all reasonable efforts to ensure the Products are provided to Clients in accordance with any specifications set out in the Order Confirmation and accepted by us. We do not warrant that the Products will meet your requirements or that it will be complete, error free or delivered without interruption. Except as expressly set out in this Agreement, all undertakings are excluded to the maximum extent permissible by law.

You assume sole responsibility for the selection, suitability and use of the Product or Service and acknowledge that except as stated above we do not provide any additional warranties or guarantees relating to the Products. By using the Product or Service, you agree that any Products provided are only for your general information and use and is not intended to address your particular requirements.

In particular, the Products do not constitute any form of advice, recommendation, representation, endorsement or arrangement by us or any of our employees 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.

Any agreements, transactions or other arrangements made between you and any third party named on (or linked to from) a Site are at your sole discretion and responsibility. Any information that you receive via the Site whether or not it is classified as “real time”, may have ceased to be current by the time it reaches you and any share price information may be rounded up/down and therefore not entirely accurate. PEI Media is not responsible for any use of the Products by you outside its scope as stated in these T&Cs.

8. Limitation of liability:
PEI shall not be liable to you for any direct, indirect or consequential loss, including loss of actual or anticipated profits, revenue, goodwill, anticipated savings or data, whether arising from negligence, breach of contract or otherwise. Our liability in contract, tort or otherwise arising out of or in connection with the Agreement shall in respect of any one or more incidents not exceed the total Payment received by us from you for the Product in the 12 months preceding the date the claim occurs. A Client also accepts that PEI has from time to time used sources in providing the Products whose legitimacy and accuracy we have used reasonable endeavours to confirm, and that if the Client believes that any of the information contained in the Products is inaccurate or misrepresented, you will bring this to the notice of PEI and provide information to assist us in correcting any such deficiencies, and that the Client will take no further action in law with respect to such alleged inaccurate or misrepresented information. The Client further agrees that PEI will endeavour to rectify such deficiencies in good faith, and that such action will be deemed to fulfil our obligations to the Client.

9. Confidentiality:
Neither party shall, except as strictly required to perform its rights and obligations, use, copy, adapt, alter, disclose, publicise or in any way part with possession of any information of the other which comes into its possession as a result of the Agreement, including the existence and terms of the Agreement. This obligation shall not apply to any information:

(a) which the receiving party can prove was in its possession at the date it was received or obtained; or
(b) which the receiving party obtains from another person with good legal title thereto; or
(c) which comes into the public domain otherwise than through the default or negligence of the receiving party; or
(d) which is independently developed by or for the receiving party.

10. Notices:
Any notice, invoice or other document shall be duly given by PEI if sent by email, post or facsimile to the individual contact using the details as supplied to us. You should direct all communication to your PEI contact person as well as to our customer services manager located at our London office (details given below).

11. Force Majeure:
PEI shall not be liable for any delay or failure to perform any obligation under this Agreement insofar as the performance of such obligation is prevented by an event beyond our reasonable control, including but not limited to, earthquake, fire, flood or any other natural disaster, labour dispute, riot, revolution, terrorism, acts of restraint of government or regulatory authorities, failure of computer equipment and failure or delay of sources from which data is obtained.

12. Online Access:
Where the Products are to be delivered through our Sites we will, in the absence of any breach of the Agreement by you or any modification to the term agreed in advance by both parties, provide online access to the Products for a standard period of 12 months from the date the Order is accepted by us and you have User access to the relevant Site. All of our Subscriptions have a standard minimum duration of 12 months. PEI will use all reasonable efforts to make online access continuously available throughout that period but cannot guarantee that the online access will operate continuously or without interruptions or that it will be error free and we do not accept any liability for its unavailability.

13. Viruses, hacking and other offences:
You must not misuse any of our Sites 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 any Site, the servers on which any Sites are stored or any server, computer or database connected to any Site. You must not attack any Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you might commit a criminal offence. 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 and any Subscriptions or other Orders related to you will be terminated without refund. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses 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 material posted on it, or on any website linked to it.

14. Links from and to our Sites
Where a Site contains links to other websites 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, and accept no responsibility for them or for any loss or damage that may arise from your use of them. You may link to our home page, provided you do so in a way that is fair and legal and which in our reasonable opinion does not damage our reputation or take advantage of it, but 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 only establish links from your own website. Our Site(s) must not be framed on any other website, nor may you create a link to any part of our Site(s) other than the home page without our written permission. We reserve the right to withdraw linking permission without notice.

15. Further Provisions:
The Agreement constitutes the entire understanding between the parties relating to the Products and supersedes any previous agreements and understandings whether oral or written relating to Orders or Products. In the event of any inconsistency between these T&Cs and any Order Confirmation, the Order Confirmation shall prevail. Failure at any time to enforce any of these T&Cs or to require performance by the other party of any such term or condition shall not be construed as a waiver of such provision or affect the right of either party to enforce the same. If any provision is held to be invalid or unenforceable by any tribunal of competent jurisdiction, the remaining provisions shall not be affected and shall be carried out as closely as possible according to the original intent. The Agreement does not confer any rights to or on any third party under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

16. Anti-bribery and corruption:
PEI is committed to conducting its business around the world with the highest degree of integrity. This commitment includes a zero tolerance approach towards all forms of bribery and corruption.
PEI has implemented a formal compliance programme designed to minimise the risk of bribery and corruption occurring within its business and this programme includes a comprehensive anti-bribery and corruption policy which has been formally approved by PEI’s Board of Directors. A copy of this policy may be available on request.
Breaches of any applicable anti-bribery and corruption laws by customers, suppliers, joint venture partners, agents or other third party contractors and advisors to PEI may result in immediate termination for breach of all contracts with PEI.

17. Privacy policy:
We process information about you in accordance with our Privacy Policy. By using the Site or by placing an Order, you consent to such processing and you warrant that all data provided by you is accurate and up to date.

18. Changes to these T&Cs:
We may change these T&Cs from time to time and will make all reasonable efforts to notify Users and Clients of such amendments. No variation of the terms of this Agreement may be made by you without the prior written consent of PEI. Users and Clients are also expected to check these T&Cs regularly to ensure ongoing compliance with the current T&Cs. If you do not agree to any changes to these T&Cs, you should cease using the Site and contact us via email: info@peimedia.com.

19. Governing law:
This Agreement shall be governed by, and construed in accordance with, English law. To the extent possible in the applicable jurisdiction, you and PEI 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 this Agreement, and for those purposes irrevocably submit all disputes to the jurisdiction of the English courts. You may not assign, sub-license or otherwise transfer any of your rights under these T&Cs. If any provision of these T&Cs is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these T&Cs, which shall remain in full force and effect. Failure by either party to exercise any right or remedy under these T&Cs does not constitute a waiver of that right or remedy.

1. Cancellation:
PEI provides detailed contents and sample extracts of our Books on our Sites to ensure customers know what they are buying. We recommend you always make full use of this information and if necessary discuss your needs with our customer services team before ordering. We do not provide a refund once a purchase of a Book has been made and an Order has been delivered.

2. Delivery:
PEI will send your Book to you by courier. However, PEI is not responsible for local charges for customs clearance in your destination country. It is the Client’s responsibility to arrange for any payment relating to local customs charges and PEI will not be responsible for any such charges or related delays in delivering the order to you.

3. Reproduction:
All of our Books are protected by copyright and Clients are not allowed to reproduce any part or all of a Book in any format without the prior written permission from PEI. PEI provides a cost effective incremental discount on bulk orders of any of our Books as well as providing a reprint service for extracts also: please talk to our customer services team for more details.

1. Conference fee:
The Conference fee entitles the Delegate to attend all Conference sessions and refreshment breaks, including lunch and any cocktail reception associated with the event. The fee also includes Conference materials, which will be presented to the Delegate at the Conference and any subsequent materials made available to Delegates online after the Conference. Where applicable all Conference Delegate fees will be subject to local purchase tax rates.

2. Payment:
Payment in full must be made to PEI prior to the Conference taking place. Payments can be made by American Express, Visa, MasterCard, company cheque or by wire transfer. If registering four (4) weeks or closer to the Conference date, delegates MUST pay by credit card.

3. Delegate cancellation and non-attendance:
Any cancellation received more than twenty eight (28) days prior to the date of the event will be subject to a charge of 50% of the fee already paid or payable or may take a delegate credit against a future PEI event (see below). All cancellations must be made in writing (by letter, fax or email – proof of receipt will be required) to the relevant contact at PEI Media Ltd for that event.
We regret that no refunds will be made for cancellations made within 28 days of an event and there will be no exceptions to this policy. Any cancellations of a delegate place received in writing less than twenty eight (28) days prior to the date of the forum will receive a 100% credit to be used at another PEI event as a delegate place for up to 12 months from the date of issuance (including the same event if repeated in the following calendar year).
This policy is necessary due to our advance guarantee obligations and the costs associated with running the Conference. Please also note that you can substitute another person instead of cancelling (see below). If you do not advise PEI that you are cancelling your delegate place(s) or that you are substituting another person or people in your place(s) then you remain liable for the full delegate fee(s). Non-attendance at the Conference does not waive your liability to pay for the delegate place(s) booked by you or on your behalf and PEI reserves the right to use all necessary means to receive payment from you, including the issuance of legal proceedings. For more information regarding refund, complaint and/or program cancellation policies, please contact customerservices@peimedia.com

4. Substitution policy:
Substitutions within organisations may be arranged as long as PEI is notified in writing in advance of the Conference. No substitutions may be made with a Delegate from another company and under no circumstances can a delegate registration be shared.

5. Postponement:
In the event that PEI postpones a Conference, delegates registered for the Conference have the option to either wait to attend the Conference at the rescheduled time (PEI to retain the Delegate payment if already made) or to have the payment credited to a future PEI event. This credit will be available for use for the next 12 months from the date that the credit is issued by PEI.

6. Conference cancellation:
If PEI is obliged to cancel any Conference then any Client will be offered the choice of either transferring their registration to another PEI Conference of their choice that is scheduled in the next 12 months or to receive a full refund of any payment received by PEI for that particular Conference from that Client. Any refunds will be made within 30 days of written notice having been issued by PEI that the Conference has been cancelled.

7. Force Majeure:
If for any reason beyond PEI’s reasonable control (including but not limited to: strikes; acts, regulations or orders of governmental authorities; civil disorder; disasters; acts of terrorism; acts of war; acts of God) it is impossible to run a Conference, PEI will as a first choice look to postpone the Conference (see Postponement above) but reserves the right to retain some or all delegate fees as a contribution to all venue and administrative costs incurred.

8. Travel and accommodation:
PEI is not accountable for booking any transportation or accommodation required by Delegates nor for any transfers to and from the conference venue. Although PEI will work with the hotel hosting a Conference to secure a preferential delegate rate for those attending the Conference there, PEI makes no assurances as to the availability of this rate nor of the hotel services offered. PEI will not accept liability for any public or individual transport disruption or deferral. In such circumstances, our standard cancellation policy applies.

9. Speakers and agenda:
Please be aware that all speakers were confirmed at the time of the published agenda, however, circumstances beyond the control of PEI may necessitate substitutions, alterations or cancellations of the speakers and/or topics. PEI reserves the right to alter or modify the advertised speakers and/or agenda topics if necessary. Please visit the relevant Site, which is updated regularly.

10. Acceptance of registration:
PEI reserves the right to decline a registration for a Conference for any reason at any time up to and including the first day of the Conference. PEI will refund any payment in full relating to any such registration that PEI chooses to decline within 30 days of notifying the Delegate of this decision.

1. Types of Subscription and Subscription options
PEI offers two Subscription options to Clients, currently classified as Gold and Platinum. These different levels of Subscription provide a range of benefits and access to differing amounts and types of Products and are subject to change. You should visit the relevant Site(s) to determine which Subscription for which Product best suits your requirements but the following terms apply to any Subscription you purchase. Most commonly you can buy either a Single-User or Multi-User Subscription which enables nominated Users (as set out in the relevant License) the benefits of a Subscription. You will not suffer or permit Personnel, other than the Users set out in the relevant License, to access or view anything more than limited and insubstantial extracts of our Products, material or content. Our minimum Subscription period is 12 months, unless stipulated on the purchase page on the site. You may upgrade your Subscription to a higher level at any time with the new Subscription lasting for a 12 month period. You may be able to arrange for a Trial of one or several Subscriptions that interest you by speaking to your PEI contact or by emailing us at: subscriptions@peimedia.com. If you or other Personnel take a Trial then you are subject to these terms wherever applicable during the entire term of the Trial period.
NB: All Users will be benchmarked against group / Multi-User Licenses on an interim basis. Any Single User accounts found to have similar usage characteristics to group user Licenses will be required to upgrade their Subscription.
These terms apply to all types of Subscription, including Multi-User Subscriptions. To arrange for such a Subscription you should speak to your PEI contact or email us at subscriptions@peimedia.com.

2. Subscription termination
PEI reserves the right to terminate a Subscription without notice if in our reasonable opinion we consider that the Subscription is being used in ways that contravene the terms described herein. This can include evidence of multiple and/or simultaneous access to Products either directly (by sharing username) or indirectly, including without limitation via dissemination of PEI Products, material and/or content (in whole or in part and in any medium) to Personnel or third parties other than the licensed User(s).
PEI reserves the right to temporarily restrict Subscription access to the service where payment is not forthcoming after our stipulated payment term. This action will only be taken once attempts to secure payment have been exhausted in our view and after informing the Subscriber of our intention. Once payment is received access will be restored on the same day.
In these cases, no refund will be given. See also section 5 below.

3. Terms applying to all Subscriptions
When you purchase a Subscription you have access to the features of that Subscription as detailed on the relevant site. You will receive a username for each nominated User licensed on the Subscription. Nominated Users may not share their username with anyone else.
When a Subscription is purchased (or a Trial is taken) by you in relation to both hard copy and/or electronic forms of the Products and regardless of the means of access or delivery you may:
(i) Display such Products to nominated Users (for the avoidance of doubt these are the Users licensed on the Subscription which you took out with us).
(ii) Download and store limited and insubstantial extracts of Products and/or of Database Products in machine readable form for use by nominated Users.
(iii) Use limited and insubstantial extracts from the Products for external purposes provided that such use is in the ordinary course of your business and does not form part of a regular or routine pattern of use and provided further that where extracts of the Products are contained in documents which are to be included in press releases and/or otherwise made publicly available, such extracts of the Products shall (unless otherwise agreed in writing with PEI) not be released unless the following conditions are complied with: (a) either a proof, copy or relevant section of the document are supplied to PEI for release authorisation prior to external distribution (PEI will not unreasonably withhold or delay such authorisation); (b) PEI’s copyright notice is included in the document; and (c) expressly and with reasonable prominence, PEI is acknowledged as the source of the Products so used. You should contact us by email at info@peimedia.com to receive such authorisation.
(iv) Allow nominated Users to use the Data for internal analysis in the ordinary (internal) course of your business.
(v) Use limited and insubstantial extracts from the Products in internal business reports circulated to Personnel, provided that such use is in the ordinary (internal) course of your business and does not form part of a regular or routine pattern of use; and
(vi) Save only as expressly permitted in accordance with clause (iii) above, allow nominated Users to use such Products solely for their internal business purposes.

When a Subscription is purchased (or a Trial is taken) by you (relating to both hard copy and/or electronic forms of the Products and regardless of the means of access or delivery) you may not:
(i) Download, store, reproduce, transmit, display, copy, distribute, commercially exploit or use the Products and/or Data other than as expressly permitted in section 3 above;
(ii) Resell, sub-license, rent, lease, transfer or attempt to assign the rights in the Products and/or Data (in whole or in part) to any other person;
(iii) Use the Products and/or Data in any manner, (or transfer or export the Products and/or Data or any copies thereof into any country), other than in compliance with applicable laws;
(iv) Allow the nominated Users to use the Products and/or Data other than in accordance with these terms nor may you allow any person other than the nominated Users to use and/or gain access to the Products and/or Data;
(v) Modify or alter such Products and/or Data nor may you create a database in electronic or structured manual form by systematically downloading and storing any of the content from such Products and/or Data;
(vi) exceed the number of Users agreed with PEI in the relevant License or otherwise agreed with PEI in writing;
(vii) allow Personnel other than the Users to access or view anything more than limited and insubstantial extracts of the Products, PEI material or content. If PEI reasonably suspects that you are in breach of this provision, without prejudice to its other rights or remedies, PEI may: (a) charge you for such Personnel as may have accessed or viewed such extracts; (b) suspend your Subscription; and/or (c) terminate your Subscription.

4. Short term Gold Subscriptions
From time to time we may offer shorter term Gold Subscriptions, typically 3 months. These are available to new users only, to be purchased online and only apply to Single Users. Any shorter term Gold Subscriptions which PEI may offer are for the minimum term set out in the relevant License and the cancellation rights set out in paragraph 5 below shall not apply to such Gold Subscriptions. All Subscriptions are renewable at the standard 12 month term either at Gold or Platinum level.

5. Subscription cancellation

Initial term

Once you have purchased a 12 month Gold level Subscription you may cancel the Subscription within 30 days from the date of the Subscription going live (that is, the date when you have access to all the benefits of the Subscription you have ordered). In this case you will receive a refund representing 75% of your Subscription payment. Refunds will be made within 30 days of PEI confirming the cancellation. No refund will be given if a Gold Subscription is cancelled once thirty days have passed from the Subscription going live.

Please note that if you cancel a Platinum Subscription at any time after the Subscription has gone live, no refund is available. All cancellations must be made in writing (by letter, fax or email – proof of delivery will be required) and sent to ‘Subscriptions’ at PEI’s registered London address or by email: subscriptions@peimedia.com.

Subsequent term

Confirmation of your Subscription renewal is taken in writing (by email, letter or fax) and thereafter you are liable for the stipulated cost of the renewal term and no refund is available at either Gold or Platinum level.

PEI reserves the right to terminate a Subscription at any time and without any refund if in our reasonable opinion that Subscription has been subject to activity outside the terms of use stipulated in these T&Cs. Please note you can substitute a User rather than cancelling a Subscription (see below).

6. User substitution
A Client is free to change a nominated User during any Subscription term by emailing our subscriptions team at subscriptions@peimedia.com. PEI reserves the right to refuse a substitution request if, for example, it requires a Subscription to be transferred to a different institution or Client. If a substitution is refused our standard cancellation policy applies.

7. Subscription queries
If you have any questions about which Subscription to purchase or about a Subscription you have purchased please speak to your PEI contact or email us at: subscriptions@peimedia.com

Our Sites include areas where comments and discussion can be posted publicly and which allow interaction between Users and between Users and PEI personnel. Information posted to our Sites by Users is called User Generated Content or UGC. We encourage legitimate Users to participate in these ways on the understanding they adhere to any rules posted by us on the Sites. You will retain ownership of the copyright in any of your UGC that you or we publish on our Sites so you are free to re-use it as you wish. You confirm that if you post UGC to any of our Sites then you are granting PEI a right (but not an obligation) unlimited in time to publish, re-use, archive, modify, delete or commercially exploit that UGC in whole or in part as we see fit, whether on our Sites or otherwise, without any requirement to pay you for this and with or without attribution to you. You therefore grant PEI a worldwide, non-exclusive, perpetual, irrevocable, royalty-free licence to use any UGC you publish in whole or in part in any manner and for any purpose whatsoever and without further obligation to you. You also waive any moral rights that you may have in regard to the UGC. You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with the rules given below or that otherwise relate to your UGC.

You undertake and agree that you will:

(i). Only publish UGC that is your original content and which does not infringe the copyright or other rights of any third party when publishing such UGC.
(ii). Not post, link to or otherwise publish any UGC containing any form of advertising or promotion for goods and services or any spam or other form of unsolicited communication.
(iii). Not post, link to or otherwise publish any UGC with recommendations to buy or not buy a particular share or other investment or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any share or other investment.
(iv). Not post, link to or otherwise publish any UGC that is threatening, abusive, libellous, indecent or otherwise unlawful.
(v). Not disguise the origin of any UGC and not impersonate any person or entity (including PEI employees) or misrepresent any connection with any person or entity.
(vi). Not post or otherwise publish any UGC that is unrelated to the Site.
(vii). Not post or transmit any UGC that contains software viruses, files or code designed to interrupt, destroy or limit the functionality of the Site or any computer software or equipment.
(viii). Not collect or store other Users’ personal data.
(ix). Not restrict or prevent any other User from using the Site.

Our Sites will contain UGC submitted by Users over whom we have no control so PEI cannot guarantee the accuracy, integrity or quality of any UGC. You must be aware that other Users may not participate in posting UGC in a reasonable way and may post UGC that is misleading, untrue or offensive. You should understand that PEI cannot fully monitor all UGC published on our Sites but where we have actually received written notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these T&Cs, then we will review that UGC, decide whether to remove it from the Site and act accordingly. If you believe that any UGC published on any of our Sites infringes any legal rights that you may have or is not allowed under these T&Cs, please notify us immediately with specific details by contacting us at info@peimedia.com.

Throughout this Agreement the following definitions apply:

Please note: references to the singular include the plural, and references to one gender include all other genders.

You can contact us by phone or mail via any of our three offices, detailed below.