Please read through these terms & conditions ("the Terms") carefully. By accessing any RiskBusiness Solutions Limited 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 RiskBusiness Solutions Limited ("RSL") and to have agreed to be bound by the Terms set out below. The Sites are owned and operated by RSL.

1. General

RSL makes no representations about the suitability of the information or Content contained on the Sites and in the documents published as part of the Site for any purpose and does not take any responsibility for the views expressed therein. Although great care has been taken in the compilation of all such Publications, Content and documents, they are provided “as is” without warranty or any kind. The Content and related documents published on the Sites could include inaccuracies or typographical errors. Changes are periodically added to the information on the Sites. RSL may make improvements and/or changes in the Content and/or the documents contained on the Sites at any time.

2. 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 Publications and Content are the property of RSL. You may not use or reproduce any RSL Intellectual Property, including any trademarks, registered or unregistered, for any reason without written permission from RSL.

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.

RSL recognises and accepts copyright, trademarks, registrations and intellectual property rights of third parties whose work may be included in or referred to on these Sites and Publications.

3. Use of RiskBusiness Solutions Limited Content

You may retrieve and display RSL 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 RSL 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 unauthorised 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 RSL.

Any use of RSL Content not specifically permitted above is expressly prohibited. Requests for permission for other uses may be sent to RiskBusiness Solutions Limited, 2 Claremont Way, Halesowen, B63 4UR, United Kingdom, or by email to admin@RiskUniverse.com and may be subject to a fee.

4. Licence Fee, Payment, and Transactions

Access to certain RSL Publications and Content may be subject to a fee or subscription. All payments (including applicable taxes) must be made in advance in a currency specified by RSL. 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 RSL products or services are at the discretion of RSL. Any product specific offers, conditions or terms are stated at the point of purchase for that product.

5. Terms and Termination

RSL 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 RSL Content) with or without cause by delivering notice to you. The rights of termination are in addition to all other rights or remedies of RSL provided in these Terms or by law.

6. Changes to the Site

RSL reserves the right, in its discretion, to suspend, change, modify, add or remove portions of any RSL Publication or 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 RSL Content and Sites using your username, password or ID. You agree to immediately notify RSL 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. RSL reserves the right to monitor and record activity on the Sites, including access to RSL Content.

8. Privacy Policy

RSL 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, RSL makes no warranty, express or implied concerning the Content of the Sites, which is provided "as is". RSL 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 RSL, 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 RSL has been advised of the possibility that such damages may arise. RSL does not guarantee the accuracy or timeliness of the Publications and 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 RSL 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

RSL, 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 any RSL Publication or 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. RSL 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 RSL and/or its suppliers. You assume sole responsibility for use of third party links and pointers.

12. Miscellaneous

12.1 Changes to these Terms

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

12.2 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 RSL whose details can be found in the Contact pages of the Sites.

11.3 Third Party Content

Parts of the Sites may contain third party content. Other content providers are responsible for ensuring that material submitted for inclusion on the Sites complies with international and national law. RSL is not responsible for any third party content or error, omission or inaccuracy in any advertising material.

11.4 Invalid Provision

If any provision of this agreement is held to be invalid by a court of competent jurisdiction, RSL shall amend the invalid provision in such reasonable manner as achieves the intention of the parties without illegality, or at RSL'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.