Terms & conditions

In these terms and conditions the term "Publisher" means PAM Insight Limited or any of its group or associated companies, the term "Customer" means the party who places an order for a subscription, publication, event sponsorship or attendance, any product or service, an advertisement, insert, book mark, or any other form of promotional space. Dependent upon the order placed by the Customer, some, or all of these terms will apply.

All rights in and relating to the Publisher's content are expressly reserved. No part of any content produced by the Publisher may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, internally within its organisation, or externally to third parties without the prior written permission of the Publisher in every instance. The Customer accepts that in doing so without prior written permission, the Customer will be liable for prosecution for breach of copyright. The Customer may download and print extracts and make a copy of these solely for its own personal and non-commercial use.
Unsolicited mailings of any kind to any person or persons featured in the Publisher's copyrighted information are strictly prohibited in accordance with GDPR. The Customer may not use any of the Publisher's copyrighted information to compile mailing lists, or to redistribute any part of the information in any way, or by any means. The Customer accepts that in doing so, the Customer will be liable for prosecution.
The views expressed in the articles contained in the Publisher's copyrighted information are not necessarily those of the Publisher. The Customer should seek the advice of a suitably qualified professional before taking any action or entering into any agreement in reliance upon any part of the Publisher's copyrighted information.
Whilst every effort has been made to ensure the accuracy of the Publisher's copyrighted information, the Publisher does not accept any liability or responsibility for inaccuracies that may appear, however caused, or for acts undertaken in reliance on the contents of the Publisher's copyrighted information, or for the loss or damage, however caused, to any material submitted for inclusion in the Publisher's copyrighted information.
All orders accepted by the Publisher are subject to the following conditions. No other conditions relating to any existing Order by the Customer will be binding unless agreed in writing by the Publisher and the Customer. The Publisher reserves the right to change these conditions at its absolute discretion without notice. The placing of any order by a Customer will be deemed to be an acceptance of the conditions shown here at the time and date of the Customer's order.
Credit Accounts are strictly net and must be settled within 14 days of the invoice date. The Publisher will invoice the Customer within 14 days of the date of receipt of the Customer's signed order confirmation, unless otherwise agreed. Each Customer undertakes to ensure that payment is made in full by the due date. Any queries regarding payment in respect of any order must be raised in writing with the Publisher within two weeks of the publication or invoice date.
All payments by the Customer must be made in sterling currency. Any payments made in foreign currency will be subject to an additional handling charge, together with any bank charges applied for foreign exchange.
The Publisher will levy an interest surcharge on any overdue amount at a rate of eight percent (8%) plus the Bank of England base rate. Interest will be calculated monthly on the compounded balance outstanding up to the date of receipt of payment. The Publisher reserves the right to suspend execution of all orders until payment is received in full.
The Publisher may at any time instruct its agents to recover any overdue sum. Any costs or charges incurred by the Publisher as a result of such instruction will be payable by the Customer to the Publisher on demand.
Where the Customer has ordered a subscription to any of the Publisher's services, all subscription orders by the Customer must be paid for in advance of the commencement date of the subscription. The Publisher reserves the right to terminate the Customer's access to its services without notice in the event of non-payment. Subscriptions are non-refundable in the event of cancellation of the subscription prior to the termination date.
The Publisher reserves the right to refuse, withdraw, alter, or cancel advertisements, promotional material, or any other Customer orders submitted to it for any of its products or services at its absolute discretion.
The Customer warrants that its advertisements comply with the British Code of Advertising Practice and do not contravene any of the provisions of the Trade Descriptions Act 1968 or other statute and are not defamatory or obscene.
If an advertisement comes within the meaning of an "investment advertisement" as defined in Section 57(2) of the UK Financial Services Act, then the Customer must submit the Financial Services Act Approval Form duly completed and signed by an "Authorised Person" within the meaning of the Act. It is at all times the responsibility of the Customer to ensure that advertisements comply with the Act or any equivalent legislation in other jurisdictions and the Customer will indemnify the Publisher against any liability and costs which the Publisher may incur or suffer as a result of the Customer failing to comply with this responsibility.
The Publisher reserves the right to discontinue, change or delay the date of any issue of a publication, product, service, or event at its absolute discretion.
The Publisher will not be liable for any loss or damage including loss of profits or other consequential loss resulting from the delay or failure of an advertisement to appear on the date(s) specified in any order, from the failure of an advertisement to appear in any specified format or position in any publication, from the delay of failure of an issue of a publication, product, service, or event to appear or take place, or from the discontinuance of any publication, product, service, or event. In the event that the Publisher agrees to repay any fees paid by the Customer, or to credit any fees payable by the Customer, the Publisher's liability, in all circumstances, shall be strictly limited to a sum no greater than 100% of the fees paid or payable by the Customer.
The Customer will indemnify the Publisher against any damage, loss, or expense which the Publisher may incur as a direct or indirect consequence of the Customer's advertisement or promotional material.
Series discounts apply only to orders placed in advance and completed within one year of the first insertion or execution. If the Customer cancels the balance of a series, all unearned series discount will be surcharged. The Publisher reserves the right to surcharge any discount if insertions are not completed within the contractual period.
In no circumstances does the placing of an order confer the right to renew on similar terms. The Publisher reserves the right to increase or reduce its rates at any time at its sole discretion.
All orders for advertisements, any promotional activity, or events are subject to the space and venue being available.
Cancellations or changes in the dates of advertisement insertion, dates of publication, or dates of events, which are subject to the Publisher's acceptance at its sole discretion, must be received in writing not less than four (4) weeks before the deadline date for the supply of copy, or by such other times as may be specified for the individual publication, product, or event. For the exact copy deadline date, Customers should contact the Publisher. Cancellations are subject to a handling charge equal to 35% of the agreed cost specified in the order confirmation. The Customer will be liable to pay in full for any advertisement or promotional material published or event sponsorship, where notice is not received by the Publisher by the times referred to above.
Where the Customer has booked an insert or bookmark, the Customer will remain liable for full payment of any production costs if its materials fail to arrive at the agreed time and place for insertion. Material and content for all inserts and bookmarks must be approved in advance of publication by the Publisher.
Should the Publisher introduce a Reader Enquiry or similar service for the benefit of its readers, the Publisher shall not be liable if it fails to pass such inquiries to the Customer or its agent(s).
Copy must be supplied without application from the Publisher by the copy deadlines specified by each publication. In the event of copy not being received by the copy deadline, the Publisher reserves the right:
1. to repeat standing copy or otherwise to determine the copy to be published;
2. to charge the Customer the full amount due for the space booked; and
3. to charge the Customer for any extra costs directly incurred by the Publisher as a result of late delivery of copy by the Customer.
Copy matter must conform strictly to the Publisher's published requirements and any additional work involved will be charged for including the cost of altering artwork or any necessary desktop publishing, reprographic, origination or colour processing work and the delivery of proofs to the Customer if required. Where it has been agreed that copy shall be converted by the Publisher to the required format, free of charge, the Customer must provide proofed and finished text, by the stated deadline. The Customer will be provided with one proof under this agreement in order to make amendments to errors made by the Publisher. Textual amendments made to copy provided by the Customer will be chargeable at the Publisher's discretion. All subsequent proofs sent to the Client will also be chargeable at the Publisher's discretion. Proofs sent to the Customer for correction which are not received back by the Publisher by the relevant deadline will be assumed to be correct.
The Customer shall be responsible for the insurance of all artwork and other advertising or promotional material delivered by it to the Publisher and the Publisher cannot accept any liability for any loss or damage. The Publisher reserves the right to destroy all artwork or other materials which have been in its or its printer's custody for more than three months from the last date of use without giving further notice to the Customer.
All advertisement material originated by the Publisher remains the Publisher's copyright.
Where the Publisher holds events, ticket applications made by the Customer are strictly subject to availability and the Publisher does not accept liability for any loss, however caused, arising out of the non-availability of tickets for the Publisher's events. Acceptance of ticket applications is at the absolute discretion of the Publisher.
The purchase of tickets renders the Customer subject to the terms and conditions of the venue and production company in question in addition to the Publisher's terms and conditions.
Applications for tables at the Publisher's events take precedence over those for single tickets. In the instance that the event is oversubscribed, where applicable, Awards entrants will be given precedence over non-entrants.
All tickets must be paid for in advance and ticket applications are non-transferable and cannot be cancelled or refunded within 60 days before the event and only then at the discretion of the Publisher. A management charge of 50 percent of the purchase price is applicable to all cancelled ticket applications. Venues and programs and their date of execution are subject to change at the discretion of the Publisher.
In order to provide the Customer with a high-quality experience, the Publisher will share attendee details on a limited basis only, as needed and in compliance with GDPR, with the venue, photographer, and other event suppliers, as applicable.
Where the Publisher engages in joint research with the Customer as part of its contracted services or engages in research activities that are co-branded with the Customer, unless otherwise agreed in writing by both the parties, all materials, research papers, information, and all other know-how relating to the research carried out remains the Publisher's copyright.
Where the Publisher provides confidential information to the Customer or engages in joint research with the Customer as part of its contracted services or engages in research activities that are co-branded with the Customer, the Customer agrees to treat as secret and confidential and not at any time for any reason disclose or permit to be disclosed to any person or otherwise make use of or permit to be made use of any discussions or correspondence between the Publisher and the Customer or unpublished information given to it by the Publisher relating to the Publisher's know-how, business plans, plans for new publications, new companies, finances, or any such information relating to a supplier, customer, or client of the Publisher. At the Publisher's request, the Customer shall deliver up to the Publisher all working papers, computer disks and tapes, or other material provided to or prepared by it during the course of business between the Publisher and the Customer and containing information confidential to the Publisher.
Where the Customer attends or sponsors any of the Publisher's publications, services, or events, or subscribes to one or more of the Publisher's publications, the Publisher reserves the right to use the Customer's name, trademark, or symbol in the Publisher's advertising, publicity, marketing, or promotional materials or activities that the Publisher produces for the relevant publication, service, or event at its discretion, except where the Customer has expressly requested the Publisher not to do so.
The Publisher shall not be liable for any costs or damages due to delay or non-performance of any of its publications, products, or services arising out of any cause or event beyond the Publisher's control, including, without limitation, acts of God; earthquakes; fires; floods; acts of war; nuclear catastrophes; civil or military disturbances; acts of terrorism; sabotage; computer virus; strikes; work stoppages; epidemics or pandemics; riots; power failures; computer failure and any such circumstances beyond its reasonable control as may cause interruption, loss or malfunction of utility, transportation, computer (hardware or software) or telephone communication service; accidents; labor disputes; acts of civil or military authority; governmental actions; or inability to obtain labor, material, equipment, or transportation.
The Customer agrees that it will indemnify and hold the Publisher fully and effectively indemnified against all costs, claims, damages, and other liabilities up to the same value of fees already paid by the Customer which the Publisher may suffer as a result of the Customer not complying with these Terms and Conditions.
Failure by the Publisher to insist upon strict performance by the Customer of any one of these Terms and Conditions shall not operate as a waiver or otherwise release or in any way affect the liability of the Customer to all other clauses of these Terms and Conditions.
These Terms and Conditions shall be governed and construed in accordance with the laws of England and Wales, and the Publisher and Customer hereby agree to submit to the exclusive jurisdiction of the English Courts.
These terms were last updated on 19 June 2023 and may be varied from time to time. The Customer should ensure that it reviews these terms and conditions regularly, as the Customer will be deemed to have accepted a variation if it continues to attend or sponsor any of the Publisher's publications, services, or events, or subscribe to one or more of the Publisher's publications after these terms have been updated.