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Terms Of Service

Last updated on February 23rd, 2021

Please read our Terms of Service (“Terms”) set out below very carefully as they confirm the basis upon which you may access The Business Fuse website (“TBF Website”) and read and make use of its content (“TBF Content”).

The Terms apply to your use of the TBF Website and any of the TBF Content irrespective of the delivery platform or device you may use to access it. Except where we state otherwise, all references in these Terms to “TBF”, “we”, “us” or “our” refer to The Business Fuse Publications Limited (“TBF”) whose registered office is situated at Suite/ Officexx, 182-184 high street north, East ham, London E62JA, United Kingdom and, where applicable, to The Business Fuse.

If you agree to be bound by the terms of this Agreement, you should check the box indicating your agreement to the terms of this Agreement on the registration page for the Service. If you do not agree to be bound by the terms of this Agreement, you should not check the box but you will not be able to proceed with the registration process for the respective Service and become a subscriber. To the extent you have access to, or are using, a Service without having completed our registration process, you are hereby notified that your continued use of a Service is subject to many of the terms and conditions of this Agreement as explained hereafter.

1. Changes to Subscriber Agreement

1.1 We may change, add or remove portions of these Terms of Service at any time by notifying you of the change in writing (including by email or by updating the date above after “Last Updated On”). Such changes shall become effective immediately upon posting. It is your responsibility to review these Terms of Service prior to each use of the Site

IF ANY OF THE TERMS AND CONDITIONS OF THESE TERMS OF SERVICE, OR ANY FUTURE CHANGES, ARE UNACCEPTABLE TO YOU, YOU MAY (i) CANCEL YOUR ACCOUNT AND/OR (ii) DISCONTINUE YOUR USE OF THE SERVICES. YOUR CONTINUED USE OF THE SERVICES NOW, OR FOLLOWING THE POSTING OF UPDATED TERMS OF SERVICE, WILL INDICATE ACCEPTANCE BY YOU OF SUCH TERMS OF SERVICE, CHANGES, OR MODIFICATIONS.

1.2 We may change, suspend or discontinue any aspect of the Services at any time, including the availability of any Services feature, database, or content. We may also impose limits on certain features and services or restrict your access to parts or all of the Services without notice or liability.

2. Privacy and Your Account

Registration data and other information about you are subject to our Privacy Policy. Your information may be stored and processed in the United Kingdom or any other country, and by using a Service online, you consent to the transfer of information outside of your country. If your access to a Service has been provided by or through a third party (for example, your employer or an education institution where you are a student) (each, a “Third Party”), the Third Party may have provided us with information about you to enable us to provide you with access to the Service and distinguish you from other subscribers (such as your email address or name). If you access a Service using a password, you are solely responsible for maintaining the confidentiality of that password. If you provide someone else with access to your password to a Service, they will have the ability to view information about your account and make changes through the website for the Service. You agree to notify us promptly if you change your billing and delivery addresses and email address so we can continue to contact you and send any notices required hereunder. If you fail to notify us promptly of a change, then any notice we send to your old address shall be deemed sufficient notice. Failure to comply with the foregoing shall constitute a breach of these Terms of Service, which may result in immediate suspense or termination of your account.

You consent to receive notifications from us electronically to the e-mail address you provide to us. You agree that all notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that you have the ability to store such electronic communications such that they remain accessible to you in an unchanged form.

You must be 13 years or older to use any part of the Services in the UK, and 16 years or older anywhere. If you are less than 18 years of age and would like to use, subscribe or register to any part of the Services, please ask your parent or legal guardian to review and agree to these Terms of Service before you use any part of the Services or ask them to complete the purchase and/or registration on your behalf.

3. Fees and Payments

You must be 18 years of age or older to purchase a subscription to the Services or any other content, product, or service offered by us through the Services. If you are less than 18 years of age and want to make any such purchase, please ask your parent or guardian to complete the purchase on your behalf. You agree to pay the subscription fees and any other charges incurred in connection with your account for a Service (including any applicable taxes) at the rates in effect when the charges were incurred. If your subscription includes access to areas containing premium content or services, your access to such areas may be subject to additional fees, terms and conditions, which will be separately disclosed in such areas. As a general matter, all fees and charges are non-refundable. We reserve the right to issue refunds or credits at our sole discretion. If we do issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. We may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance and an opportunity to cancel. You shall pay all fees and charges incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred, including, but not limited to charges for any digital products or services offered for sale through the Services by us or by any other vendor or service provider. All fees and charges shall be billed to and paid for by you. You are responsible for any fees or charges incurred to access a Service through an Internet access provider or other Third Party service.

4. Advertising and Sponsorship

The Business Fuse Website contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on TBF Website complies with international and national law. TBF is not responsible for any error or inaccuracy in advertising or sponsorship material.

5. Third-party content and links to third-party websites

The Services contain links to third-party websites, resources, and advertisers (collectively, “Linked Content”). TBF does not control, endorse, sponsor, recommend or otherwise accept responsibility for any of this Linked Content. Because we are not responsible for the availability of these outside resources, or their contents or privacy practices, you should direct any concerns regarding any Linked Content to such site.

Some of these links may generate revenue for us at the time they are clicked on or if someone subsequently uses the services of that Third Party. All links are provided because we believe they may be of interest to you and are made available on TBF Website for your convenience only.

6. Rights in Software

Copyright and all other rights in any software that is made available for download from TBF Website belongs to TBF or its suppliers. Your use of the software is governed by the terms of any licence agreement that may accompany or be included with the software. Please do not install or use any of such software unless you agree to such licence agreement. TBF is not responsible for any technical or other issues or loss that may occur if you download any such software.

7. Term; Cancellation and Renewal

7.1 Term and Renewal. This Agreement shall remain in full force and effect while you use the Services.

7.1 Term and Renewal. This Agreement shall remain in full force and effect while you use the Services.

8. Subscription Policies

By subscribing to a Service, you are subject to our Subscription policies. Please read these carefully as they set forth our refund, cancellation and pricing policies and other important information. We reserve the right to change these policies at any time and you should refer to them frequently to ensure you are aware of current policies.

9. Ownership of Content

TBF’s ability to publish the TBF Website and to invest in professional financial journalism depends on our users complying with this. All TBF Content is owned by TBF or its licensors who between them own all intellectual property rights (including copyright and database rights) in the TBF Content and any arrangement thereof. You may not reproduce TBF Content without TBF’s written permission.

If you wish to reproduce TBF Content please contact us for an appropriate license. However, you are welcome to read TBF Content for your personal use on any device that is compatible with the TBF Website and you may store TBF Content on that device for your personal use. You may also print single hard copies of articles for your personal use.

You may not republish or redistribute full text articles without a license from us. You may, however, republish or redistribute “Summaries” of articles from the TBF Website so long as a prominent credit is given to TBF on such Summaries indicating that TBF is the original source of the material contained therein.

“Summaries” can be either an “extract” or an “abstract”. An “extract” means up to 200 words copied verbatim from an article which are inserted into a longer original work. An “abstract” means a non-verbatim summary of the news or facts reported in an article forming part of TBF Content which does not form part of a longer work.

10. Limitations on Use

10.1 Only one individual may access a Service at the same time using the same user name or password, unless we agree otherwise.

10.2 The text, graphics, images, video, artwork, metadata and other data, design, organization, compilation, look and feel, advertising and all other protectable intellectual property, including but not limited to any copyrights, trademarks, service marks, trade names, trade dress, patent rights, or database rights (the “Content”) available through the Services are our property or the property of our advertisers and licensors and are protected by copyright and other intellectual property laws. Unless you have our written consent, you may not use, sell, publish, distribute, retransmit or otherwise provide access to the Content received through the Services to anyone, including, if applicable, your fellow students or employees.

10.2.1 You may occasionally distribute a copy of an article, or a portion of an article, from a Service in non-electronic form to a few individuals without charge, provided you include all copyright and other proprietary rights notices in the same form in which the notices appear in the Service, original source attribution, and the phrase "Used with permission from The Business Fuse Journal Online".

10.2.2 While you may occasionally download and store articles from the Service for your personal use, you may not otherwise provide others with access to such articles. The foregoing does not apply to any sharing functionality we provide through the Service that expressly allows you to share articles or links to articles with others. In addition, you may not use articles you have downloaded for personal use to develop or operate an automated trading system or for data or text mining.

10.1 Additional Restrictions on Use of the Content

10.1.1 You agree not to rearrange or modify the Content available through a Service. You agree not to display, post, frame, or scrape the Content for use on another website, app, blog, product or service, except as otherwise expressly permitted by this Agreement. You agree not to create any derivative work based on or containing the Content. The framing or scraping of or in-line linking to the Services or any Content contained thereon and/or the use of web crawler, spidering or other automated means to access, copy, index, process and/or store any Content made available on or through the Services other than as expressly authorized by us is prohibited.

10.1.2 You further agree to abide by exclusionary protocols (e.g., Robots.txt, Automated Content Access Protocol (ACAP), etc.) that may be used in connection with the Services. You may not access parts of the Services to which you are not authorized, or attempt to circumvent any restrictions imposed on your use or access of the Services.

10.1.3 As a general rule, you may not use the Content, including without limitation, in any commercial product or service, without our express written consent.

10.1.4 You may not create apps, extensions, or other products and services that use our Content without our permission. You may not aggregate or otherwise use our Content in a manner that could reasonably serve as a substitute for a subscription to a Service.

10.1.5 Any unauthorized or prohibited use of any Content may subject you to civil liability, criminal prosecution, or both, under applicable federal, state, local laws, or applicable foreign laws, rules, regulations and treaties. We require users to respect our copyrights, trademarks, and other intellectual property rights and shall enforce same.

10.1.6 You may not access or view the Services with the use of any scripts, extensions, or programs that alter the way the Services are displayed, rendered, or transmitted to you without our written consent.

10.2.1 You agree not to use the Services for any unlawful purpose. We reserve the right to terminate or restrict your access to a Service if, in our opinion, your use of the Service may violate any laws, regulations or rulings, infringe upon another person's rights or violate the terms of this Agreement.

11. Liability Disclaimer

We take all reasonable steps to ensure that the information on the TBF Website and within TBF Content is correct, but we do not guarantee that it is and we, therefore, exclude any liability up to the maximum amount that the law allows.

Accordingly, we will not be responsible for any loss you may suffer as a result of any omission or inaccuracy on the TBF Website and within TBF Content.

Also, please note that the material displayed on the TBF Website is in no way an endorsement or recommendation of companies, products or services (whether or not they may be recipients of International Finance Awards).

TBF does not accept any liability whatsoever for the content of external web sites. Nothing in the TBF Website constitutes professional advice and any user of the TBF Website must consult a suitably qualified professional adviser for advice relating to a specific enquiry or issue arising from material appearing on the TBF Website.

THE SERVICE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, IF DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORISED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION.NEITHER IF NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, GROUP COMPANIES OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH COUNTRIES, THE RESPECTIVE LIABILITY OF IF, ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, GROUP COMPANIES AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE AMOUNT PROVIDED UNDER SAID LAW. FURTHER, YOU AGREE AND UNDERSTAND THAT ALL SERVICES PROVIDED ARE NON-REFUNDABLE AND THAT YOU SHOULD CAREFULLY CONSIDER WHETHER OUR SERVICES ARE ABLE TO MEET YOUR NEEDS.

12. Privacy Policy

We are committed to protecting users’ privacy. We will not provide any of the personal information you give us to any third party. Any information submitted to TBF via the TBF Website is held by TBF in strict accordance with the provisions of the Data Protection Act 1998

13. Agreement to Arbitrate

13.1 The parties acknowledge that any statutory or common law claims related to intellectual property may require forms of equitable relief that are best administered by courts; accordingly, the parties agree that except for statutory or common law claims related to intellectual property and disputes that qualify for small claims court, any controversy or claim arising out of or relating to this Agreement or any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, will be resolved under the jurisdiction of English courts. You agree that by entering into this Agreement, you and we are each waiving the right to trial by jury, except as otherwise stated above. Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted and, by entering into this Agreement, you are giving up the ability to participate in a class action. All issues are for the arbitrator to decide, except that issues relating to the scope, application, and enforceability of the arbitration provision are for the court to decide. U.K. law applies to any arbitration under this section. This agreement to arbitrate shall survive termination of this Agreement. This arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and, if the law allows, they can seek relief against us for you.

13.2 The arbitrator may award money or equitable relief in favor of only the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. To reduce the time and expense of the arbitration, the arbitrator will not provide a statement of reasons for his or her award unless requested to do so by both parties. Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

14. Miscellaneous

If any provision of the Terms 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 the Terms which will remain in full force and effect. Headings in the Terms are for convenience only and have no legal meaning or effect. The Terms are subject to English law and the English courts will have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with the Terms.

15. Attorney’s fees

If TBF takes action (by itself or through its associate companies) to enforce any of the provisions of this User Agreement, including collection of any amounts due hereunder, TBF shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney’s fees and any costs of any litigation.

16. Current Terms

These Terms were last updated on 23rd February 2021 and supersede all previous Terms applicable to your use of the TBF Website and TBF Content.

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