Terms & conditions

In these conditions the term "PAM" means PAM Insight Limited or any of its group or associated companies, the term "Customer" means the party who places an order for an advertisement, insert, book mark, or any other form of promotional space, event, product or service. All orders accepted by PAM are subject to the following conditions. PAM reserves the right to change these conditions at its absolute discretion without notice. No other conditions will be binding unless agreed in writing by PAM and the Customer. The placing of any order by a Customer will be deemed to be an acceptance of these conditions.

Credit Accounts are strictly net and must be settled within 14 days of the invoice date. PAM 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 PAM 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.

PAM will levy an interest surcharge on any overdue amount at a rate of two percent (2%) per month (interest will calculated monthly on the compounded balance outstanding up to the date of receipt of payment) and reserves the right to suspend execution of all orders until payment is received in full.

PAM may at any time instruct its agents to recover any overdue sum. Any costs or charges incurred by PAM as a result of such instruction will be payable by the Customer to PAM on demand.

PAM reserves the right to refuse, withdraw, alter or cancel advertisements, promotional material or any other Customer orders submitted to it at its absolute discretion.

The Customer warrants that its advertisements will 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 PAM against any liability and costs which PAM may incur or suffer as a result of the Customer failing to comply with this responsibility.

PAM reserves the right to discontinue, change or delay the date of any issue of a publication, product, or event at its absolute discretion.

PAM 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, or event to appear or take place, or from the discontinuance of any publication, product, or event.

The Customer will indemnify PAM against any damage, loss or expense which PAM 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. If the Customer cancels the balance of a series all unearned series discount will be surcharged. PAM 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.

PAM reserves the right to increase or reduce its rates at any time at its sole discretion.

All orders for advertisements, or any promotional activity are subject to the space and venue being available.

Cancellations or changes in the dates of advertisement insertion, or dates of promotional material publication, or dates of events, which are subject to PAM's acceptance at its sole discretion, must be received in writing not less than fourteen 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 PAM. 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 times referred to above.

Where the Customer has booked an insert or bookmark, the Customer will remain liable for full payment 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 PAM.

Should PAM introduce a Reader Enquiry or similar service for the benefit of its readers, PAM shall not be liable if it fails to pass such enquiries to the Customer or its agent(s).

Copy must be supplied without application from PAM by the copy deadlines specified by each publication. In the event of copy not being received by the copy deadline PAM reserves the right (a) to repeat standing copy or otherwise to determine the copy to be published, (b) to charge the Customer the full amount due for the space booked and (c) to charge the Customer for any extra costs directly incurred by PAM as a result of late copy.

Copy matter must conform strictly to PAM's published requirements and any additional work involved will be charged for including the cost of making duplicate films 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 PAM 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 PAM. Textual amendments made to copy provided by the Customer will be chargeable at PAM's discretion. All subsequent proofs sent to the Client will also be chargeable at PAM's discretion. Proofs sent to the Customer for correction which are not received back by PAM 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 PAM and PAM cannot accept any liability for any loss or damage. PAM 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 PAM remains PAM's copyright.

Where PAM holds events, ticket applications made by the Customer are strictly subject to availability and PAM does not accept liability for any loss, however caused, arising out of the non-availability of tickets. The purchase of tickets renders the Customer subject to the terms and conditions of the venue in question in addition to PAM's terms and conditions. Acceptance of ticket applications are at the absolute discretion of PAM. Applications for tables take precedence over those for single tickets. In the instance that the event is oversubscribed, 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 PAM’s sole discretion. A management charge of 50 percent of the purchase price is applicable to cancelled ticket applications. Venues, speakers and programmes are subject to change at PAM’s sole discretion. In order to provide the Customer with a high quality experience, PAM will share event attendee details on a limited basis only, as needed, with the venue, photographer and other event suppliers, as applicable and at PAM’s sole discretion. This may include name and dietary requirements, but will not include contact details at any time.

Where PAM 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 PAM's copyright and PAM shall have sole discretion on how the research is used or published.

Where PAM 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 PAM and the Customer or unpublished information given to it by PAM relating to PAM's know-how, business plans, plans for new publications, new companies, finances, or any such information relating to a supplier, customer or client of PAM. At PAM's request the Customer shall deliver up to PAM all working papers, computer disks and tapes or other material provided to or prepared by it during the course of business between PAM and the Customer and containing information confidential to PAM.

PAM shall not be liable for any costs or damages due to delay or non-performance of any of its publications, products, events or services arising out of any cause or event beyond PAM’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; labour disputes; acts of civil or military authority; governmental actions; or inability to obtain labour, material, equipment or transportation.

The Customer agrees that it will indemnify and hold PAM fully and effectively indemnified against all costs, claims, damages and other liabilities which PAM may suffer as a result of the Customer not complying with this Agreement.

Failure by PAM to insist upon strict performance by the Customer of any of these Terms and Conditions shall not operate as a waiver or otherwise release or in any way affect the liability of the Customer under these Terms and Conditions.

These Terms and Conditions shall be governed and construed in accordance with the laws of England and PAM and Customer hereby agree to submit to the exclusive jurisdiction of the English Courts.