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FT SPECIALIST TERMS AND CONDITIONS

1. ABOUT OUR TERMS

1.1. We are The Financial Times Limited, a limited company registered in England
and Wales and our registered address is Bracken House, 1 Friday Street, London,
England, EC4M 9BT. Our company number is 00227590, our UK VAT registration
number is GB226162332 and our data protection registration number is Z7087146.
If you need any of our other tax ID numbers please contact Customer Care. Except
where we state otherwise, you will be contracting with The Financial Times
Limited and references to “FT” (or “FT”, “we”, “us”, or “our”) refer to The
Financial Times Limited.

1.2. These Terms and Conditions apply whenever you:

 * use any FT Specialist Website (as defined in paragraph 1.6 below), any FT
   Specialist Website mobile and online digital apps and services (individually
   each a “Website”, and together the “Websites”) and access content and
   services made available or sold on them, including any print publications
   published by FT Specialist (individually each a “Magazine”, and together the
   “Magazines”) (together the “FT Content”); and
 * purchase access to any Website, any Magazine and/or the FT Content (together,
   the “FT Services”) on a subscription basis.

1.3. You should read these Terms and Conditions carefully before using any
Website and/or FT Content or subscribing to the FT Services. By accessing, using
or subscribing to any of the above, you agree to be bound by these Terms and
Conditions (as applicable) and the documents referred to in them.

1.4. If you access any Website and/or FT Content under an organisation’s
subscription agreement, then your access is primarily governed by the
subscription agreement between us and that organisation. In the event of any
conflict between these Terms and Conditions and the organisation’s subscription
agreement (as applicable), the terms of the organisation’s subscription
agreement shall prevail to the extent of the inconsistency only.

1.5. If you access any Website and/or FT Content in the course of your business
or work and you are not doing so under an organisation’s subscription agreement,
then you are also agreeing to these Terms and Conditions on behalf of that
business.

1.6. If you have any questions about the FT Services or if you have any
difficulties using any Website, please contact us using the contact details
available on the relevant Website.

1.7. In these Terms and Conditions, “FT Specialist Website” shall include:

 * www.ftadviser.com;
 * www.fdiintelligence.com;
 * www.fdimarkets.com;
 * www.fdibenchmark.com;
 * www.fdiinsights.com;
 * www.ftlocations.com;
 * www.bankingriskandregulation.com;
 * www.investorschronicle.co.uk;
 * www.pwmnet.com;
 * www.sustainableviews.com;
 * www.thebanker.com;
 * www.thebankerdatabase.com; and/or
 * any other website operated by FT which provides a link to these Terms and
   Conditions.

2. YOUR SUBSCRIPTION TO THE FT SERVICES

2.1. We offer a range of subscriptions:-

 * to certain Websites and/or to content and services available on them
   (“Digital Subscriptions”);
 * to certain Magazines (“Print Subscriptions”);
 * to both certain Websites and certain Magazines (“Bundled Subscriptions”); and
 * we also offer certain subscriptions on a trial basis, at our discretion
   (“Trial Subscriptions”).

The above are referred together as “the Subscriptions” and individually as a
“Subscription”. Please note that separate and/or additional terms and conditions
may apply to any Trial Subscriptions that we may offer. Any such additional
terms shall be clearly indicated.

2.2. You may not take more than one Trial Subscription in any twelve-month
period to any one Website and/or Magazine. We may cancel any Trial Subscription
that you may have purchased, without refund, if you have had access to any other
Trial Subscription in the previous twelve months.

2.3. You may purchase a Subscription by submitting an order and providing the
sign-up details on the relevant Website, by using the contact details on the
relevant Website, or via FT-authorised telemarketing companies. We will only
accept your order when we have successfully verified your email address and
processed your payment details.

2.4. We will try to process your Subscription order promptly but cannot
guarantee activation by any specified time. We may reject any Subscription order
in our discretion. You confirm that your sign-up and payment details are
complete and accurate, and that you are entitled to purchase a Subscription
using those sign-up and payment details. It is your responsibility to update and
maintain changes to your sign-up details on the relevant Website.

Fees and Payment

2.5. You agree to pay the Subscription fees at the rates and in the currency
displayed or referenced during the Subscription process. Prices may vary from
time to time and by country, and Subscriptions may be available on a one-off,
monthly, annual or other basis. Discount offers are as stated at the time you
subscribe and cannot be changed during the term of your subscription. Unless
otherwise indicated, prices stated are exclusive of any applicable value added
tax (VAT) or other sales taxes. The breakdown of any VAT will be indicated on
the relevant invoice.

2.6. If we do not receive payment authorisation or any authorisation is
subsequently cancelled, we may immediately terminate or suspend your
Subscription.

2.7. Trial Subscriptions.

 * If you take a Trial Subscription, we will inform you of the full Subscription
   price payable at the start of the trial period. Your Subscription will renew
   automatically at the end of that trial period at the full Subscription price
   unless you cancel your Subscription before the end of the trial period. To
   cancel your Subscription during the trial period please follow the
   cancellation instructions on the relevant Website, or contact us using the
   contact details on the relevant Website.
 * If you take a Trial Subscription to Investors’ Chronicle, we will inform you
   of the full Subscription price payable at the start of the trial period. Your
   Subscription will renew automatically at the end of that trial period at the
   full Subscription price unless you cancel your Subscription no later than 5
   business days before the end of the trial period. To cancel your Subscription
   during the trial period please follow the cancellation instructions on the
   relevant Website, or contact us using the contact details on the relevant
   Website.

2.8. We will give you at least 14 days’ notice of any increase in the price of
your Subscription, which will take effect at your next renewal date.

2.9. If we incorrectly state a price online or otherwise, we are not obliged to
provide you with a Subscription at that price, even if we have mistakenly
accepted your offer to buy a Subscription. If we notify you of a pricing error,
you may cancel the Subscription and we will refund you any money paid, or you
may pay the correct price. If you do neither, we may cancel your Subscription
and refund any money you have paid. We will always act in good faith in
determining whether a genuine pricing error has occurred.

2.10. If you are entitled to a refund we will credit that refund to the card or
other payment method you used to submit payment, unless it has expired in which
case we will contact you to arrange.

2.11. In addition to the Subscription fees you are responsible for paying for
any:

 * broadband, mobile, data, messaging or other internet connection and
   telecommunications charges that you may incur by accessing FT Content;
 * charges that may be levied by your bank or credit card issuer (for example
   foreign transaction fees on transactions which take place abroad or in a
   foreign currency).

2.12. We will do all that we reasonably can to ensure that all of the
information you give us when paying is secure by using an encrypted secure
payment mechanism. However, in the absence of negligence on our part, any
failure by us to comply with this contract or our Privacy Policy or breach by us
of our duties under applicable laws, we will not be legally responsible to you
for any loss that you may suffer if a third party gains unauthorised access to
any information that you give us.

Postal Delivery

2.13. Your Magazine will be sent via post to the address you provided during the
sign-up process if it is within our delivery areas.

2.14. Any delivery dates are approximate and estimates only. We cannot guarantee
delivery by any specific date. If you do not receive your Magazine within 14
days of any expected delivery date you may have been provided with, please
contact us using the contact details on the relevant Website.

2.15. If you wish to change your address for delivery then please contact us
using the contact details on the relevant Website at least 10 days’ before the
date on which you wish your change of address to take effect. If we are not able
to provide you with a delivery service to your new address then:

 * If you have a Print Subscription, we will cancel your Subscription and issue
   a pro rata refund for the unexpired period of your Subscription; and
 * If you have a Bundled Subscription, we will cancel your Subscription, issue a
   pro rata refund for the unexpired period of your Subscription and, at your
   option, transfer you onto a new Digital Subscription.

Your Cancellation Rights

2.16. Digital Subscriptions:

 * By placing your order for a Digital Subscription subject to these Terms and
   Conditions, you agree that we may start your Subscription immediately upon
   our acceptance of your order and that you waive your statutory right to
   cancel our contract within 14 days of either: your order confirmation, or the
   point at which we provide you with access to your Subscription, whichever
   happens first.
 * This means that you lose your right to cancel this contract once we have
   successfully verified your email address and processed your payment details
   of your Digital Subscription (see section 2.3 above) and that any notice of
   cancellation that you provide (whether before or after the 14-day period)
   will only take effect at the end of your current Subscription period. You
   will not be entitled to a refund except in the event that there is a fault in
   our provision of our FT Services.

2.17. Print Subscriptions or Bundled Subscriptions:

 * You have the right to cancel our contract for a Print Subscription or Bundled
   Subscription, without giving any reason, within 14 days of receiving the
   first Magazine forming part of your Subscription.
 * If you exercise your right to cancel within that period, we will reimburse
   all payments received from you, less a pro rated amount for each Magazine you
   received before cancelling.
 * After the above period has expired, you may cancel your Print Subscription or
   Bundled Subscription by notifying us at any time of your intention to do so.
   However, the cancellation will only take effect at the end of your then
   current Subscription period, and you will not be entitled to a refund except
   in the event that there is a fault in our provision of our FT Services.
 * For Investors’ Chronicle and The Banker only: After the above period has
   expired, you may cancel your Print Subscription or Bundled Subscription by
   notifying us at any time of your intention to do so as long as your notice is
   received by us no later than 5 business days prior to the end of your then
   current Subscription period. Your cancellation will only take effect at the
   end of your then current Subscription period, and you will not be entitled to
   a refund except in the event that there is a fault in our provision of our FT
   Services.

2.18. To exercise the above rights to cancel, you must inform us of your
decision to cancel the contract by contacting us using the contact details on
the relevant Website. Please provide:

 * the subscriber’s full name (person on the billing information if different
   from the user);
 * the account email address or account number (Customer Reference Number);
 * the billing address and delivery address (Including zip code/postcode); and
 * your contact telephone number.

Our Cancellation Rights

2.19. We may suspend or terminate your Subscription if we are prevented from
providing services to you, or accepting payment from you, by applicable law or
circumstances beyond our control, or if we cease publishing the relevant
Magazine, or the relevant Website, or providing the FT Services. If we terminate
for any of these reasons, we will provide you with a pro rata refund to the
extent permitted by applicable law.

2.20. We may also suspend or terminate your Subscription, without refund, if you
breach these Terms and Conditions, or in the event of any verbal or written
abuse of any kind (including abusive, offensive or aggressive language) directed
towards any FT personnel, or any member of the public, with or without notice
and without further obligation to you.

2.21. If you are not a Subscriber, then we may suspend or terminate your access
to the FT Content at any time, with or without notice and without further
obligation to you.

Effects of cancellation

2.22. If you are entitled to a refund, we will make the reimbursement without
undue delay, and not later than 14 days after the day on which we are informed
about your decision to cancel your Subscription.

2.23. We will make the reimbursement using your registered payment details.
Additional charges may apply if we are required to reimburse to any other credit
card or bank.

2.24. If you have received copies of any Magazine as part of your Subscription,
you will not be expected to return these copies, but we will retain payment for
such in accordance with these Terms and Conditions.

2.25. If you have been paying for your Subscription by direct debit, we
recommend you also cancel your direct debit with your bank.

Renewals

2.26. For Subscriptions to Investors’ Chronicle, unless you notify us at least
14 days before the end of your current subscription period that you wish to
cancel, your subscription will continue to renew for further equivalent periods
and will be subject to these Terms and Conditions. For Subscriptions to the
Banker Database, unless you notify us at least 30 days before the end of your
current subscription period that you wish to cancel, your subscription will
continue to renew for further equivalent periods and will be subject to these
Terms and Conditions. We will charge the relevant Subscription using the same
card or other payment method that you previously used.

2.27. In the case of annual Subscriptions that auto-renew, we will send you a
reminder notice before the renewal date stating the rate that will apply for the
renewal period.

3. USING THE WEBSITES

Ownership of the Websites and FT Content

3.1. Each Website and all FT Content and all intellectual property rights in
each are owned by us, our licensors or both (as applicable). Intellectual
property rights means rights such as: copyright, trade marks, domain names,
design rights, database rights, patents and all other intellectual property
rights of any kind whether or not they are registered or unregistered (anywhere
in the world). We reserve all of our rights in any intellectual property in
connection with these Terms and Conditions. This means, for example, that we
remain owners of them and free to use them as we see fit.

3.2. Nothing in these Terms and Conditions grants you any legal rights in any
Website or the FT Content other than as necessary to enable you to use the
relevant Website and use the FT Services. You agree not to adjust, to try to
circumvent or delete any notices contained on any Website (including any
intellectual property notices) and in particular in any digital rights or other
security technology embedded or contained within any Website.

3.3. “FT” and “Financial Times” are registered trade marks and you may not use
them or any other trademarks, trade names, logos or other branding of any FT
Website (whether registered or not) without written permission from FT. You are
permitted to use the FT Content only as set out in the copyright policy
available at Copyright Policy.

Accessing and using FT Content

3.4. You agree to comply with our Copyright Policy when using FT Content. You
are responsible for all use of FT Content whether accessed without a
Subscription as a non-paying, registered or unregistered user, under your
Subscription, or under your organisation’s Subscription.

3.5. To the fullest extent permitted by law, we expressly prohibit any use of
our content or data (including any associated metadata) in any manner for any
machine learning and/or artificial intelligence purposes, including without
limitation for the purposes of training or development of artificial
intelligence technologies or tools or machine learning language models, or
otherwise for the purposes of using or in connection with the use of such
technologies, tools or models to generate any data or content and/or to
synthesise or combine with any other data or content. We reserve all rights to
license any use of our content and data for any such purposes.

3.6. The amount and type of FT Content that you can view depends on whether you
access the FT Content with a Subscription (and the type of Subscription you
have) or whether you access the FT Content as a non-paying, registered or
unregistered user. We may vary or cancel the access rights of non-paying users
at any time.

3.7. We reserve the right to amend the scope of your Digital Subscription from
time to time. We will give you at least 30 days’ notice of any significant
reduction in the scope of your Digital Subscription, and these will only take
effect from the date of your next payment following that 30-day period.

3.8. On Subscription and/or registration, you will choose a username and
password (“ID”). It is your responsibility to keep your ID confidential. All
information received by us from your use of FT Content will be used by FT in
accordance with our Privacy Policy.

3.9. Except as otherwise stated, you agree that:

 * each Subscription is for a single user only;
 * where you register for a Subscription using an email address, you must use a
   named email account using an email domain (such as
   firstname.lastname@client.com) and not a third party email domain or generic
   or shared email account (such as knowledge.management@client.com);
 * password access is on the basis of one password for use by one specific user
   only (sharing of passwords is not permitted either simultaneously or on a
   rotational basis); and
 * you may not create additional registration accounts for the benefit of others
   or with the aim of avoiding our use of IDs to control access to and use of
   any Website.

3.10. We may cancel or suspend your Subscription and/or access to any Website if
you share your access rights with any third parties or attempt to allow third
parties to avoid our control of access to any Website.

3.11. If you believe there has been any breach of security such as the
disclosure, theft or unauthorised use of your ID or any payment information, you
must notify FT immediately by e-mailing us using the contact details on the
relevant Website. We recommend that you do not use any “Remember me” (or
equivalent) log in feature on any device that may be used by anyone other than
you in order to prevent unauthorised access to any Website and your Subscription
details.

User Generated Content

3.12. Each Website may include comments sections, blogs and other features that
allow interaction between users and between users and journalists (“Forums”). If
you post information to these Forums (“User Generated Content” or “UGC”) then
you must comply with any specific rules posted on the Forum. 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 these Terms and Conditions or that otherwise
relates to your UGC.

3.13. You own the copyright in your UGC, and you agree to grant FT 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
any Website or otherwise, without any requirement to pay you for this and with
or without attribution to you. You also waive any moral rights that you may have
in regard to the UGC.

3.14. You agree that you will:

 * only post original content and not infringe the copyright or other rights of
   any third party;
 * not post any UGC containing any form of advertising or promotion for goods
   and services or any form of unsolicited communication;
 * not post any confidential information of a third party;
 * not post any recommendations to buy or not buy a particular share or
   investment or which otherwise has the purpose of affecting the price or value
   of any share or other investment;
 * not post anything that is threatening, offensive, libellous, indecent or
   unlawful;
 * not post anything that is discriminatory in nature, for example, comments
   which make attacks on the grounds of race, religion, sex, gender, sexual
   orientation, disability or age;
 * respectfully challenge different points of view but not personally attack
   other commentators;
 * not disguise the origin of any UGC and not impersonate any person or entity
   (including FT employees or Forum guests or hosts) or misrepresent any
   connection with any person or entity;
 * not post any UGC unrelated to the Forum or the Forum’s topic;
 * not post any UGC that contains software viruses, files or code designed to
   interrupt, destroy or limit the functionality of any Website or any computer
   software or equipment;
 * not collect or store other users’ personal data; and
 * not restrict or inhibit any other user from using the Forums.

3.15. It is not possible for FT to fully monitor all UGC published on any
Website but where we have actually received notice of any UGC that is
potentially misleading, untrue, offensive, unlawful, infringes third party
rights or is potentially in breach of these Terms and Conditions, then we will
review that UGC, decide whether to remove it from any Website and act
accordingly. This may include banning a user from participation in UGC on any
Website. If you are aware of any such UGC, please notify us immediately with
specific details by contacting us using the contact details available on the
relevant Website.

Accuracy of information and availability of the Websites

3.16. While we try to make sure that each Website and all FT Content are
accurate, up-to-date and free from bugs, we cannot promise that it will be.
Furthermore, we cannot promise that any Website will be fit or suitable for any
purpose. Any reliance that you may place on the information on any Website is at
your own risk.

3.17. FT Content is provided for your general information purposes only and to
inform you about us and our products and news, features, services and other
websites that may be of interest. It does not constitute technical, financial or
legal advice or any other type of advice and should not be relied on for any
purposes. It is not intended to be and should not be relied upon by users in
making (or refraining from making) any specific investment, purchase, sale or
other decisions. Appropriate independent advice should be obtained before making
any such decision, such as from a qualified financial adviser. Any agreements,
transactions or other arrangements made between you and any third party named on
(or linked to from) any Website are at your own responsibility and entered into
at your own risk. Any information that you receive via any Website, whether or
not it is classified as “real time”, may have stopped being current by the time
it reaches you. Share price information may be rounded up/down and therefore may
not be entirely accurate.

3.18. We may suspend or terminate operation of any Website or any part thereof
at any time as we see fit.

3.19. While we try to make sure that each Website is available for your use, we
do not promise that any Website is available at all times nor do we promise the
uninterrupted use by you of any Website.

Third party sites and products

3.20. Each Website may contain hyperlinks or references to third party websites
and third party products. Any such hyperlinks or references are provided for
your convenience only. We have no control over third party websites and accept
no legal responsibility for any products, content, material or information
contained in them. The display of any hyperlink and reference to any third party
website or third party product (including any advert or sponsor) does not mean
that we endorse that third party’s website, products or services. Your use of a
third party site may be governed by the terms and conditions of that third party
site.

3.21. Any agreements, transactions or other arrangements made between you and
any third party named on (or linked to/from) any Website are at your own
responsibility and entered into at your own risk.

4. YOUR PRIVACY AND PERSONAL INFORMATION

4.1. Your privacy and personal information are important to us. Any personal
information that you provide to us will be dealt with in line with our Privacy
Policy, which explains what personal information we collect from you, how and
why we collect, store, use and share such information, your rights in relation
to your personal information and how to contact us and supervisory authorities
in the event you have a query or complaint about the use of your personal
information.

5. LIMITATION ON OUR LIABILITY

5.1. FT makes no warranty, express or implied, regarding your Subscription, any
Website, FT Content or FT Services, which are provided ‘as is’. We expressly
disclaim all warranties to the extent permitted by law, including but not
limited to warranties of fitness for a particular purpose.

5.2. Except for any legal responsibility that we cannot limit or exclude in law
(such as for death or personal injury), in the event that you suffer any losses
arising in connection with your Subscription, or your use of any Website, FT
Content or FT Services:

 * (a) our total liability to you shall not exceed the total sums paid by you
   for your current Subscription; and
 * (b) we shall not be liable or legally responsible in any way (whether in
   contract, tort (including negligence) or otherwise) for:
   * any loss that was not foreseeable to you or the FT when the contract was
     formed;
   * any loss that was not caused by any breach on FT’s part;
   * any business loss (including business interruption, or loss of revenues,
     sales or business opportunity);
   * any loss of profits, anticipated savings, goodwill, reputation, or data;
   * any loss of use or corruption of software or technical equipment;
   * any loss to non-consumers; and
   * any indirect or consequential loss
   * in each case even if we have been advised that such damages may arise.

5.3. The limitations of liability in this section 5 apply for the benefit of FT,
its affiliates, including those listed in section 6 and all of their respective
officers, directors, employees, agents or any company who we transfer our rights
and obligations to in accordance with these terms and conditions.

6. CORPORATE INFORMATION

6.1. You will be contracting with The Financial Times Limited for any
Subscriptions. The Financial Times Limited is the publisher of each Magazine and
each Website, and its corporate details are set out at section 1.1.

7. CHANGES TO THESE TERMS AND CONDITIONS

7.1. These Terms and Conditions were published on 31 Aug 2023 and replace with
immediate effect the Terms and Conditions previously published on 26 May 2023.

7.2. We may update these Terms and Conditions for legal or regulatory reasons,
or to reflect changes in our services or business practices. We will provide
notice of any significant changes below. You should regularly check this section
to see if any changes have been made. If you are a paying subscriber, any
changes to our terms and conditions will become effective from the date of your
next payment following the change unless we notify you otherwise. If you are not
a paying subscriber, any changes will become effective as soon as we post them
on the Websites.

8. LAW AND JURISDICTION

8.1. If you are a user whose principal address or principal use of the Websites
occurs in any jurisdiction other than the United States then these Terms and
Conditions will be subject to English law. In this case, to the extent possible
in the applicable jurisdiction, both you and we agree that the courts of England
will (subject to the final paragraph in this section 8) have non-exclusive
jurisdiction to settle any dispute which may arise out of, under, or in
connection with these Terms and Conditions.

8.2. If you are a user whose principal address or principal use of the Websites
occurs in the United States then these terms and conditions will be subject to
the laws of the State of New York, without regard to its conflict of laws
provisions. In this case, to the extent possible in the applicable jurisdiction,
both you and we agree that the courts of the State of New York will (subject to
the final paragraph in this section 8) have non-exclusive jurisdiction to settle
any dispute which may arise out of, under, or in connection with these Terms and
Conditions.

9. GENERAL

9.1. We shall have no liability to you for any breach of these Terms and
Conditions caused by any event or circumstance beyond our reasonable control
including, but not limited to, strikes, lock-outs or other industrial disputes;
epidemic or pandemic; breakdown of systems or network access; or flood, fire,
explosion or accident.

9.2. You may not license or transfer any of your rights under these Terms and
Conditions. We may transfer any of our rights or obligations under these Terms
and Conditions to any company within the Financial Times group of companies, but
if we do so we will ensure that any company to whom we transfer our rights or
obligations will continue to honour your rights under them.

9.3. If any provision of these Terms and Conditions 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 Terms and
Conditions, which will remain in full force and effect.

9.4. Failure by either party to exercise any right or remedy under these Terms
and Conditions does not constitute a waiver of that right or remedy. Headings in
these Terms and Conditions are for convenience only and will have no legal
meaning or effect.

9.5. These Terms and Conditions (together with the documents referred to within
these Terms and Conditions including in sections 1.3 and 2.1) constitute the
entire agreement between you and the FT relating to your use of the FT Services.
They supersede all previous communications, representations and arrangements,
either written or oral.


PRIVACY POLICY

To view the privacy policy click here


FAQS

FREQUENTLY ASKED QUESTIONS

We set out below some information that we think you might find useful regarding
the subscription services of FTAdviser.com, FdiIntelligence.com, The Banker and
Banking Risk and Regulation (the “FT Websites”). If you have any questions
regarding the information in these FAQs please email us at:

FTAdviser: ft@subscription.co.uk .

FdiIntelligence: fdicustomerservice@ft.com

The Banker: thebanker@ft.com

Banking Risk and Regulation: enquiries.brr@ft.com

Investors Chronicle: investorschronicle@subscription.co.uk

WHO IS THE PUBLISHER OF FTADVISER, FDIINTELLIGENCE, THE BANKER, BANKING, RISK
REGULATOR, AND INVESTORS CHRONICLE?

The Financial Times Limited whose registered office address is at Bracken House,
1 Friday Street, London EC4M 9BT. Our VAT number is 278537121.

WHAT ARE THE BENEFITS OF PURCHASING A SUBSCRIPTION TO FTADVISER,
FDIINTELLIGENCE, THE BANKER, BANKING RISK AND REGULATION OR INVESTORS CHRONICLE?

FTAdviser.com is an all encompassing website dedicated to the financial
intermediary market. The amount of content that you can view on FTAdviser
depends on what type of user you are. In summary: if you are an unregistered,
you can view a limited number of articles a month. If you are a registered user,
you can view all of our articles.

FdiIntelligence.com brings together insight and intelligence on the global
foreign direct investment markets, selected from a world-class portfolio of
Financial Times group products and business tools. The amount of content that
you can view on FdiIntelligence depends on what type of user you are. If you are
an unregistered user you cannot view any articles, if you are a registered user,
you can view up to 5 articles every 28 days. If you have subscription you can
view all of our articles.

TheBanker.com is the world’s premier banking and finance resource. The website
features new articles enhanced with premium data drawn in from The Banker
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SUMMARY OF FTADVISER, FDIINTELLIGENCE, THE BANKER, BANKING RISK AND REGULATION
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FT SPECIALIST COPYRIGHT POLICY

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WHAT IS COPYRIGHT?

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REMOVAL OF COMMENTS

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I WANT TO REPORT AN ABUSIVE COMMENT. WHAT DO I DO?

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For the full terms and conditions, please see this page


INVESTING MASTERCLASS: THINK LIKE AN ANALYST TERMS & CONDITIONS

Investing Masterclass: Think like an Analyst Terms & Conditions

These Terms and Conditions govern the use and access to Investing Masterclass:
Think Like an Analyst  ("the Course") and are between The Financial Times
Limited ("FT") and individuals who have completed the relevant booking form
(“Individual Booking”).

The relevant individual provided with access to the Course through the
Individual Booking, shall be referred to as “You” throughout these terms and
conditions.

1. Confirmation of bookings

1.1. All Individual Bookings are subject to acceptance by FT, which will be
confirmed in writing (including by e-mail) after FT has received the completed
booking form (“Booking Form”) the related fee if required (the "Fee") and
anything else that FT may require.

1.2. Upon FT's written confirmation to You of its acceptance of your booking for
a place on the Course there shall be a legally binding contract between FT and
You to which these terms and conditions apply.

1.3. FT reserves the right to refuse to accept any Booking Form in its absolute
discretion.

2. Fees

2.1. FT reserves the right to change the Fees at any time but changes will not
affect registrations which have already been confirmed by FT. The Fees (where
required) are payable by credit or debit card at the same time as You or your
employer submit your Booking Form.

2.2. The Fee under Individual Bookings includes single-user access to the online
Course materials for a period of 1 year .  In each case, the relevant Booking
Form will specify which Course materials You are entitled to access under the
Course.

2.3. Discounts, where applicable, will be applied at registration.

2.4. Under VAT Excise Regulations, You or your employer is required to pay any
VAT, excise duty or other sales tax which is applicable in your country.

3. Cancellations

3.1. FT reserves the right to alter the content or format of the Course at any
time.

3.2. For Individual Bookings, if You no longer wish to enrol on the Course for
which you have registered, please contact enquiries.icmasterclass@ft.com  as
soon as possible. We will refund You any Fees You have paid in advance provided
you notify us no later than 24 hours from the Course login credentials being
sent to You and provided You have not accessed any of the Course Materials.

3.3. FT reserves the right to cancel any Booking Form and retain any Fees
received if You (or any of the shareholders or directors of the legal entity
which You represent) become(s) subject to any Sanction, or continuation of these
terms would (in the reasonable opinion of FT) expose FT or any of its affiliated
companies to any Sanction, where "Sanction" means any sanction, prohibition or
restriction under United Nations resolutions or the trade or economic sanctions,
laws or regulations of the European Union, United Kingdom, Hong Kong or United
States of America.

4. Intellectual Property

4.1. All intellectual property rights in the Course materials remain the
intellectual property of the FT. You are not authorised to:

(i) copy, modify, reproduce, re-publish, sub-licence, sell, upload, broadcast,
post, transmit or distribute any of the Course materials without prior written
permission;

(ii) record on video or audio tape, relay by videophone or other means the
Course materials;

(iii) remove any copyright or other notice of FT on the Course materials;

(iv) modify, adapt, merge, translate, disassemble any software forming part of
the Course; or

(v) share your login credentials or password.

4.2. Breach by You of clause 4 shall allow FT to immediately terminate the
applicable Booking Form and cease to provide You with access to the Course
materials.

4.3. In consideration of the Fees paid by You, FT grants to You a limited,
non-transferable, non-exclusive licence to access the Course materials via the
online learning platform (the “Platform”) in respect of the Course until 20
November 2024.

5. The Platform

5.1. Access to the Platform is granted to You for a 1 year period, provided You
fully comply with the Terms of Use for that Platform. Without prejudice to those
Terms of Use, You agree that:

(i) You are responsible for all activities carried out on the Platform under
your username;

(ii) You must not interfere with, or try to interfere with, information that
belongs to another user; and

(iii) You will not use the Platform to use or publish material that is obscene,
libelous or defamatory.

5.2. The Platform on which the Course materials are made available is compatible
with generally-used internet browser / operating system environments, but You
are responsible for ensuring that your computer and internet setup is
compatible.

6. FT Liability

6.1. FT disclaims all liability for any inaccurate information provided in the
Course materials and any reliance by You on such information.  

6.2 The information provided to You is for educational purposes only and while a
presenter may own the securities they discuss, it is not and should be construed
as any offer, solicitation, or recommendation to buy or sell securities. While
we believe the information provided was obtained from reliable sources, no
guarantee is made or implied regarding its accuracy or completeness.

6.3. To the maximum extent permitted by law, FT shall not be liable to You for
any direct, indirect, economic or consequential loss or any loss of business,
use, profit, anticipated profit, contracts, revenues, goodwill or anticipated
savings arising in connection with this Agreement, even if You have been advised
of the possibility of such loss or damage.

7. Your details

7.1. By submitting registration details, You agree to allow FT to contact you as
required for the organisation and administration of the Course FT will comply
with our privacy policy  in respect of your registration details and other
information we hold about you.

7.2. FT will only contact you for marketing purposes, and will only pass on your
contact details to sponsors for marketing purposes, to the extent that you
expressly consent to this (for example, by opting in during the registration
process).

7.3. Information about the FT group and our privacy policy is available on
www.ft.com. Registered Office: 1 Friday Street, London EC4M 9JA Registered No:
227590 England.

8. General

8.1. Please advise us of any special access requirements at the time of making
your booking.

8.2. These terms and conditions contain the entire agreement between You and FT.

8.3. If any provision of these terms and conditions is held to be invalid,
illegal or unenforceable for any reason by any court of competent jurisdiction,
such provision shall be severed and the remainder of the provisions will
continue in full force and effect as if the terms had been executed with the
invalid, illegal or unenforceable provision omitted.

8.4. Any express or implied waiver to perform any obligations under these terms
will not prevent the subsequent enforcement of them.

8.5. A person who is not a party to these terms has no right under the Contracts
(Rights of Third Parties) Act 1999 to enforce any term of these terms.

8.6. These terms shall be governed by English law and You hereby irrevocably
submit to the exclusive jurisdiction of the English courts. Nothing in this
clause shall limit FT's right to take proceedings against You in any other court
of competent jurisdiction.

8.7. If You have any questions about these terms and conditions, please
contact enquiries.icmasterclass@ft.com 

8.8. These terms and conditions were published on 10.11.2023 and apply to all
Individual Bookings placed from that date until these terms and conditions are
superseded by a new version.

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 * Financial Times Commercial Charter

© THE FINANCIAL TIMES LTD . FT and ‘Financial Times’ are trademarks of The
Financial Times Ltd.
The Financial Times and its journalism are subject to a self-regulation regime
under the FT Editorial Code of Practice.
Bracken House, 1 Friday Street, London EC4M 9BT.