1.1 These terms and conditions shall govern your use of our website.
1.2 By using our website, ("Website") you consent to these terms and conditions ("Terms") in full. If you do not agree to any part of these Terms, you must not use the IAM Website.
1.4 The Website is operated by the Institute of Asset Management ("IAM"). Registered address: 4th Floor St Catherine's Court, Berkeley Place, Bristol, BS8 1BQ, UK.
1.5 This Website and these Terms are governed exclusively by UK law. For more information about UK copyright law please visit the UK Intellectual Property Office website.
1.6 The IAM reserves the right to revise these Terms at any time.
2.1 The contents of this Website (“Contents”) are for general information only. The Contents are not intended to address specific requirements or form specific advice.
2.2 The IAM gives no warranty for the accuracy, completeness or fitness for purpose of the Contents or for the updating of the Contents, and accepts no liability resulting from your use of the Contents.
2.3 The IAM may change access and permissions for the Website or Contents at any time and without notice
3. Copyright and Intellectual Property
3.1 Unless stated otherwise, the IAM is the owner or the licensee of all intellectual property rights and copyright in the Contents of our Website and the material made available to download from it.
3.2 The IAM’s status (and that of any identified contributors) as authors of material on the Website should always be acknowledged.
3.3 You may only print (or download) the Contents for private and personal non-commercial use, and may not otherwise copy, reproduce, distribute, republish, download, display, post or transmit, in any form or by any means, the Contents without the express written permission of the IAM.
3.4 Certain Contents (particularly downloads) are subject to additional specific Terms & Conditions which are available on the appropriate pages. By using such Contents, you consent to these additional Terms & Conditions.
4. Third parties and third party websites
4.1 The Website contains links to other websites. These websites are not operated by the IAM and are outside the control of the IAM. The IAM accepts no responsibility for these websites or their contents.
4.2 These terms and conditions are not intended to benefit or be enforced by any third party.
5. Website Disclaimer
5.1 The IAM does not accept liability of any description, including for negligence (except for personal injury or death), damages or losses (including, but not limited to, indirect or consequential loss, or loss of business, revenue, profits, use or opportunity) howsoever arising from your use (or inability to use) this Website or Contents.
6. Trading Disclaimer
6.1 IAM Trading Ltd is VAT registered and wholly-owned by The Institute of Asset Management (a Company Limited by Guarantee).
6.2 The IAM supplies much of its material free of charge to both Members and non-Members. However, we charge for membership subscription for various grades of membership, some events, and we supply some products and services for sale.
6.3 The following terms and conditions apply for the following purchasable items:
(a) Membership subscriptions: Membership subscriptions are non-refundable once an application has been accepted and paid. We understand that you will not renew your membership if you are not satisfied and we ask that any complaints or concerns are raised with us as soon as possible.
(b) Event bookings: Events are usually charged by means of selling tickets for entry. In some cases, deposits or early full payment will attract a significant discount. If the event is cancelled, full refunds will be available. In any other circumstances, such as failing to attend for example, the IAM does not offer refunds. In exceptional circumstances the IAM will consider application for a refund but reserves the right to make an administration charge or to retain the payment as credit to be used on another IAM event within 12 months of cancellation.
(c) Products: Products that have been purchased through the IAM are non-refundable, unless undelivered. The IAM recommends courier services both for speed and certainty of delivery. The items are described fully in appropriate pages of our Website and our Office is available to discuss their relevance before purchase.
(d) Services: Services are subject to specific additional Terms & Conditions, available on appropriate pages of our Website. For the benefit of Members, the IAM lists events and products provided by partner organisations or others, which not imply or create a contractual relationship with the IAM. Any bookings or payments for events or products not provided by the IAM are therefore subject to the terms and conditions of those organisations.
7. Limitations and exclusions of liability
7.1 Nothing in these terms and conditions will:
(a) limit or exclude any liability for death or personal injury resulting from negligence;
(b) limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) limit any liabilities in any way that is not permitted under applicable law; or
(d) exclude any liabilities that may not be excluded under applicable law.
7.2 The limitations and exclusions of liability set out in this Section 7 and elsewhere in these terms and conditions:
(a) are subject to Section 7.1; and
(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
7.3 To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.
7.4 We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
7.5 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
7.6 We will not be liable to you in respect of any loss or corruption of any data, database or software.
7.7 We will not be liable to you in respect of any special, indirect or consequential loss or damage.
7.8 You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
8. Breaches of these terms and conditions
8.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
(a) send you one or more formal warnings;
(b) temporarily suspend your access to our website;
(c) permanently prohibit you from accessing our website;
(d) block computers using your IP address from accessing our website;
(e) contact any or all of your internet service providers and request that they block your access to our website;
(f) commence legal action against you, whether for breach of contract or otherwise, and/or;
(g) suspend or delete your account on our website.
9.1 You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
9.2 You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
10.1 If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
10.2 If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
11. Entire agreement