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.fdibenchmarks.com;
• www.fdiinsights.com;
• www.gisplanning.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 [email protected]) and not a third party email domain or generic or shared email account (such as [email protected]);
• 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: [email protected] .

FdiIntelligence: [email protected]

The Banker: [email protected]

Banking Risk and Regulation: [email protected]

Investors Chronicle: [email protected]

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 Databsae, such as a featured country’s top banks or graphs of tier 1 capital over time. The amount of content that you can view on TheBanker.com 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 3 articles every 28 days. If you have subscription you can view all of our articles.

Banking Risk and Regulation spans the world of regulation as it impacts banking, insurance and the securities markets, as well as financial reporting.

It offers insight into the latest thinking of regulators and involves in-depth coverage of key policies, including G20 global coordination initiatives, Basel III capital and liquidity rules, Dodd-Frank financial reforms, MiFID-II processes and Solvency-II developments.

If you are an unregistered user you cannot view any articles but if you have a subscription you can view all of our articles.

Investors Chronicle has been helping investors make their money work harder for over 150 years. We are renowned for our market-beating share tips as well as comprehensive and independent coverage of the UK stock market.

From time to time we may invite specific groups of users to access certain sections of the FT Websites which may be the same as or different to the access given under the subscription.

Does FTAdviser, FdiIntelligence, The Banker, Banking Risk and Regulation or Investors Chronicle offer any other subscription products or services?

We may offer other products and services from time to time. Currently, users who take out a subscription to FTAdviser (depending on where you live) can also choose to take out a subscription for Money Management magazine.

fDi Intelligence has a range of related subscription products such as:

fDi Magazine – firmly established as the world’s premier publication for the business of globalisation. Published on a bi-monthly basis with an ABC-certified, highly targeted circulation of more than 15,000, fDi provides corporate decision-makers with an up-to-date image of the ever-changing global investment map.

fDi Markets – the only online database tracking crossborder greenfield investment covering all sectors and countries worldwide. It provides real-time monitoring of investment projects, capital investment and job creation with powerful tools to track and profile companies investing overseas.

fDi Benchmark – the only online tool to benchmark the competitiveness of countries and cities in more than 50 sectors. Its comprehensive location data series covers the main cost and quality competitiveness indicators for more than 300 locations around the world.

fDi Reports – provides sector, country, company and bespoke FDI reports which deliver vital business intelligence to corporations, investment promotion agencies, economic development organisations, consulting firms and research institutions.

fDi Atlas – an online location mapping tool which makes it easier to narrow down a location shortlist and identify the incentives offered by investment promotion agencies in specific locations worldwide.

The Banker also has a range of related subscription products such as:

The Banker Database – comprising of over 5000 banks this interactive online tool provides unrivalled insight into banks strength, size, soundness and performance and is a must have for anyone interested in understanding banks worldwide.

The Top 500 Islamic Finance Institutions – enables you to analyse Islamic finance institutions in great detail. This interactive online tool is the most comprehensive source of intelligence on Islamic financial institutions. Users can compare Institutions and regions based on several data points as well as track their progress over the last three years.

Banking Risk and Regulation spans the world of regulation as it impacts banking, insurance and the securities markets, as well as financial reporting. It offers insight into the latest thinking of regulators and involves in-depth coverage of key policies.

How much do subscriptions cost?

A subscription to TheBanker.com costs £645 and is converted into local currency using the exchange rate at time of purchase. You can see our prices at the subscribe page , and click here for tax information.

A subscription to fDiIntelligence.com costs £345 and is converted into local currency using the exchange rate at time of purchase. You can see our current prices at the subscribe page , and click here for tax information.

How long do your published prices remain valid?

We reserve the right to vary our prices from time to time and they may also vary by region. We will always notify you in advance of any changes in price that apply to your subscription upon its renewal.

Are there any delivery costs?

We do not charge any additional delivery costs. Your internet services provider or telecommunications operator may charge you fees for the provision of their services.

What are the payment arrangements?

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When does my subscription become effective?

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What is your refund policy? Am I allowed to cancel once I have subscribed?

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What is the minimum duration of the subscription term? How long must I sign-up for?

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How do I cancel?

Although you may notify us of your intention to cancel at any time, such notice will only take effect at the end of your then current subscription period. You may notify us of your wish to cancel your subscription by contacting our Customer Services teams at:

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Are there any terms and conditions applicable to my use of FTAdviser, FdiIntelligence, The Banker, Banking Risk and Regulation or Investors Chronicle? What do they say?

Yes, see our Terms & Conditions for full details. We recommend that you read our Terms & Conditions before you use, register with or subscribe to FTAdviser, FdiIntelligence, The Banker or Investors Chronicle, because they form a legally binding agreement between you and the Financial Times. For your convenience we have published a very brief summary of them below, but this is not a substitute for reading the Terms & Conditions themselves which are in no way varied or superseded by this summary.

Summary of FTAdviser, FdiIntelligence, The Banker, Banking Risk and Regulation and Investors Chronicle terms and conditions

Please do not use the FT Websites if you do not agree to the Terms & Conditions which we may change from time to time. When using our content you must comply with our Copyright Policy , we do not permit any use of our content that is not expressly permitted by that policy and, in particular, we do not allow registered users or subscribers to share passwords. We will use any information we receive from you in accordance with our Privacy Policy . We are not responsible for the content of any third party websites that we may provide links to, even if they are our advertisers or sponsors. We do not make many promises as to how we will operate the FT Websites and we accept no financial responsibility to you for your use of the FT Websites unless you are a subscriber. If you are a subscriber we do accept responsibility for any direct loss you incur by using an FT Website, subject to a limit equal to the price you paid for your subscription. Unless you are resident in the United States our Terms & Conditions are subject to English law, if you live in the United States they are subject to the laws of the State of New York.

Who should I contact if I have any questions or complaints?

We welcome comments from our users, please contact us in the first instance at:

For FTAdviser: [email protected] , or 0845 456 1516, or by post to The Editor, FTAdviser, Financial Times Limited, Bracken House, 1 Friday Street, London EC4M 9BT.

For FdiIntelligence: [email protected] or +44 (0) 207 873 3964 or by post to The Editor, FdiIntelligence, Financial Times Limited, Bracken House, 1 Friday Street, London EC4M 9BT.

For The Banker: [email protected] or +44 (0) 207 775 6526 or by post to The Editor, The Banker, Financial Times Limited, Bracken House, 1 Friday Street, London EC4M 9BT.

For Banking Risk and Regulation: [email protected] or +44 (0) 207 775 6340 or by post to The Editor, Banking Risk and Regulation, Financial Times Limited, Bracken House, 1 Friday Street, London EC4M 9BT.

For Investors Chronicle: [email protected] or +44 (0)1858 438808 or by post to The Editor, Investors Chronicle, Financial Times Limited, Bracken House, 1 Friday Street, London EC4M 9BT.

The relevant self-regulatory body for the Financial Times is The Press Complaints Commission – see www.pcc.org.uk for more details of this self-regulatory body for the newspaper industry. In addition, the relevant self-regulatory authority for non-broadcast advertisements is the Advertising Standards Authority, see www.asa.org.uk .

FT Specialist Copyright Policy

Our terms and conditions set out the detail of what you can and cannot do with our content and all use of the Websites listed in those terms.

This copyright policy summarises how users are permitted to use our content and also explains the types of use that require the purchase of additional licences. Thank you for reading this policy, our ability to invest in high quality journalism depends on our users complying with it. We reserve the right to change our copyright policy from time to time by publishing an updated policy on the FT Websites, which shall become effective and replace any previous policy with effect from publication. This version of the copyright policy was published on 9 June 2023.

What is copyright?

Copyright law gives the copyright owner the exclusive right to control the use of copyright protected works. All of the material published on our Websites and other digital/wireless platforms is protected by copyright law and should only be used as set out in the “How may I use FT Specialist Website content?” section below. Use that is made without our permission may therefore infringe our copyright which can result in personal and corporate liability. Where we state below that something is not allowed or permitted, then to do so is a breach of our terms and conditions, i.e. is a breach of contract, and may also violate copyright law.

How may I use FT Specialist Website content?

You may do the following:

• View our content for your personal use on any device that is compatible with an FT Website (this might be your PC, laptop, phone or other mobile device) and store our content on that device for your personal use;
• Print single copies of articles on paper for your personal use;
• Share links to articles by using the article tools we make available at the foot of each article.

How may I republish or redistribute FT content on an FT Specialist Website?

You may not copy FT content from the Websites or any third party source of FT content such as news aggregators and you may not republish or redistribute full text articles, for example by pasting them into emails or republishing them in any media, including websites, newsletters or intranets. Full text means the whole article.

We recognise that users of the Internet want to share information with others. We therefore permit limited republishing and redistribution of FT content as set out below provided that this does not create a Substitute for FT’s own products or services. We define a Substitute as a product or service that reduces the need for users or other third parties to pay for FT content directly, or which creates revenue from the FT’s content to the detriment of FT’s own ability to generate revenues from that content.

As long as you do not create a Substitute, you may do the following:

• Publish online, the original headline and a link to the article and the first 140 characters of an article (what we call teaser text);
• Forward the original headlines, links and teaser text to other individuals;
• You may download our RSS feeds and view them for your personal use. We currently publish headlines and teaser text within our RSS feeds. You may also make an RSS feed available to third parties, users within an organisation you work for or users of a website that you publish, on condition that you comply with the restrictions set out below.

The restrictions that apply to use of our RSS feeds are that you:

• only publish the feed for access via a web-based browser.
• publish the feed as it is made available on the relevant Website, so that you only include the headline and teaser content, and ensure that the headline links back to the full text article on the Website.
• attribute the feed to FT as “© The Financial Times Limited [year]”.
• do not archive the feed or any of its content.
• comply with our guidelines on usage of logos.

Am I allowed to copy or summarise limited parts of FT full text content?

As specified above you may not republish or redistribute full text articles. You may however republish or redistribute ”Summaries” of FT articles if you comply with the conditions set out below. “Summaries” can be either an “extract” or an “abstract”. By “extract” we mean 30 words copied verbatim from an FT article which are inserted into a longer original work . By “abstract” we mean a 30 word non-verbatim summary of the news or facts reported in an FT article which does not form part of a longer work.

These are the conditions you must comply with in order to produce summaries:

• you source FT as the author of any article from which you have derived a summary by way of an attribution such as “[journalist name] at [name of Website] reported that”, with a hypertext link to the original story published on the relevant Website;
• in the case of abstracts, you make clear that the abstract has been produced by you by stating “this abstract from [name of Website] was produced by [name]”, with a hypertext link to the original story published on the Website;
• you ensure that your summaries do not in whole or in part form a Substitute for FT’s own products and services (see above for how we define Substitute). The more summaries you create the greater the risk of substitution. No individual or organisation may create, republish or redistribute more than ten summaries in aggregate each day, each one sourced from a different article on the same FT Website that is published on the same day you create the summary;
• you do not use or create summaries that promote or endorse any product or service; and
• if FT notifies you that it believes you are creating, republishing or redistributing summaries outside of these parameters, you shall immediately cease doing so and your rights to create summaries shall be regarded as having been withdrawn, unless/until FT reaches an agreement with you regarding your use of FT articles.

Please note that these rights do not extend to content published by FT that we licence from third parties which you may not republish or redistribute.

For fDi Intelligence and The Banker Database, you may download search results provided that you (and any other authorised users of these services) shall not collectively store more than 20% of the contents of any of these databases.

What am I not permitted to do with FT content?

You cannot do anything other than make use of the content as set out above, unless you buy the appropriate licence, see below for details. By way of example only, this means that you cannot:

• If you are a registered user or subscriber, share your user name and password (which includes PINs) with anyone else. A password is for one person’s use. Sharing a password means a copy of our content may subsequently be made by someone who is not authorised to do so. Password sharing is a breach of our terms and conditions and is likely to result in an infringement of copyright. We monitor usage to detect password sharing.
• Copy, publish or redistribute full text articles, photographs, graphics, tables or images in any way.
• Archive or store any of our content for access by anyone other than yourself.
• Create derivative works from our content, unless you are creating summaries as described above.
• Photocopy or scan copies of articles.
• Remove the copyright or trade mark notice from any copies of FT content.
• Use spidering technology or other datamining technologies to search and link to any Website.
• Create a database in electronic or structured manual from by systematically and/or regularly downloading, caching, printing and storing all or any FT content (by spidering or otherwise).
• Frame, harvest or scrape FT content or otherwise access FT content for similar purposes.
• Use or attempt to use FT content outside the parameters we set depending on what subscription you have.

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.

FT Specialist comments policy

This comments policy applies to blogs and forums on FTAdviser.com, FdiIntelligence.com, TheBanker.com and InvestorsChronicle.co.uk

Guidelines

We welcome your comments on our blogs and forums. However, please follow our guidelines:

• Keep your contributions concise.
• Ensure that your comments are relevant to the topic being discussed.
• Refrain from writing your responses in capital letters or bold.
• Don’t make personal attacks on others or write comments that are needlessly aggressive or rude.
• Don’t write comments that are abusive, or incite hatred.
• Write in English. Comments linking to non-English language sites may be removed in their entirety.
• Avoid posting defamatory and potentially defamatory comments.
• You must not pretend to be another known ftadviser.com, fdiIntelligence.com, thebanker.com or InvestorsChronicle.co.uk user

Removal of comments

The FT has the right, at its sole discretion, to remove comments that contravene our guidelines and terms. The FT is under no obligation to post or reinstate any comments. In most cases we cannot reply to emails asking why a comment has not appeared on the site.

I want to report an abusive comment. What do I do?

Below each comment posted there is a link saying “Report this comment”. You will be asked to enter two words that appear in a “Captcha” image (to prove that you are a genuine user, not a computer). The comment will then be brought to the attention of our moderation team.

For further assistance

Questions for FTAdviser.com: please email [email protected]

Questions for FdiIntelligence.com: please email [email protected]

Questions for TheBanker.com: please email [email protected]

Questions for InvestorsChronicle.co.uk: please email [email protected]

For the full terms and conditions, please see this page

Investing Masterclass: Think like an Analyst Terms & Conditions