Terms and Conditions

Please read this carefully because it sets out the terms of a legally binding agreement between you and the Financial Times Limited (“FT”).

These are the terms and conditions on which you may use the PensionsWeek website at www.pensionsweek.com and the content/services available on or in the above (which we call “FT Content”). These terms apply to your use of PensionsWeek and all FT Content irrespective of the delivery platform or device you use to access it. By accessing FT Content you are agreeing to these terms and conditions. If you use pensionsweek.com in the course of your business or work, you are also agreeing to these terms and conditions on behalf of that business. We only make these terms and conditions available in the English language. 

If you do not agree with the terms and conditions (or are not authorised to do so on behalf of your business or work) you should not use pensionsweek.com or any FT Content. If you have any questions please contact us on pweditorial@ft.com 

We recommend that you print and save a copy of these terms and conditions for your records. 

Except where we state otherwise, references in these terms and conditions to “FT” (or “we”, “us” or “our”) refer to the company operating pensionsweek.com. See Section 8 below for details.

1. Introduction

These terms and conditions were last updated on 12 October 2011 and replace all previous terms and conditions for pensionsweek.com. FT 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 such changes in Section 9 below and if you are a registered user we will also email you to notify you of any material change that affects you. You should regularly check Section 9 to see if any changes have been made. Any changes will become effective as soon as we notify you of them.

We may in exceptional circumstances cease to publish pensionsweek.com. If we do so, then we will have no further obligation to you.

2. Access and Use

Our ability to invest in high quality journalism depends on our users complying with this Section 2. We recommend that you also read our Copyright Policy that summarises how you are allowed to use FT Content. It also invites organisations that may be using FT Content without the appropriate permissions to approach us with a view to discussing the purchase of a licence to legitimise that use.

The amount of FT Content that you can view on pensionsweek.com depends on what type of user you are.  If you are an unregistered user, you can view up to 3 articles every 28 days, if you are a registered user you can view all of our articles.

Permitted Use: All FT Content belongs to FT or its licensors who own all intellectual property rights (including copyright and database rights) in the FT Content and any selection or arrangement of the FT Content. “FT” and “Financial Times” are registered trade marks and you may not use them without written permission from FT. You can do the following:

• view FT Content for your personal use on any device that is compatible with pensionsweek.com (this might be your PC, laptop, Blackberry, iPhone or other mobile device) and store FT 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.
• use spidering technology to search and link to pensionsweek.com, provided that you do not infringe the Restrictions on Use below.

On condition that you do not create a Substitute (as defined below), you may also do the following:

• Publish online, the original headlines and a link to the article (on pensionsweek.com) and the first 140 characters of an article.
• Forward the original headline and a link to an FT article (on pensionsweek.com) and the first 140 characters of an article to other individuals.
• Download our RSS feeds and view them for your personal use in accordance with the terms set out at [RSS] and in our Copyright Policy.

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 Content to the detriment of FT’s own ability to generate revenues from that content.

As specified in the “Restrictions on Use” section below you may not republish or redistribute full text articles. You may however republish or redistribute “Summaries” of articles from pensionsweek.com 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 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 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 pensionsweek.com as the author of any article from which you have derived a summary by way of an attribution such as “[journalist name] at pensionsweek.com reported that”, with a hypertext link from the word “pensionsweek.com” to the original story published on pensionsweek.com;

• in the case of abstracts, you make clear that the abstract has been produced by you by stating “this abstract from pensionsweek.com was produced by [name]”, with a hypertext link from the word “pensionsweek.com” to the original story published on www.pensionsweek.com;

• you ensure that your summaries do not in whole or in part form a Substitute for pensionsweek.com’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 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 Content.

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 in whole or in part.

PLEASE NOTE THAT IN ADDITION TO OUR RIGHTS AT LAW TO RESTRICT CERTAIN TYPES OF USE REFERRED TO IN THIS SECTION 2, THE RESTRICTIONS BELOW ARE ALSO CONTRACTUAL IN NATURE AND BIND ALL USERS OF PENSIONSWEEK.COM.

Restrictions on Use: You cannot use pensionsweek.com or the FT Content for any unlawful purpose or other than as set out in the “Permitted Use” section above, unless you buy the appropriate licence from us. By way of example only, this means that you cannot:

• if you are a registered user or have a temporary access pass, you cannot 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 the FT 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 of pensionsweek.com to detect password sharing.
• copy, publish, republish or redistribute, communicate or disseminate to third parties full text articles, photographs, graphics, tables or images in any way.
• copy, publish, republish or redistribute headlines in any way other than as permitted by the “Permitted Use” section above (including as part of any syndication, content aggregation, news aggregation, library, archive or similar service).
• archive or store any of the FT Content for access by anyone other than yourself.
• create derivative works from the FT Content, unless you are creating summaries as described in the “Permitted Use” section above.
• photocopy or scan copies of articles.
• remove the copyright or trade mark notice from any copies of FT Content made under these terms and conditions.
• create a database in electronic or structured manual form by systematically and/or regularly downloading, caching, printing and storing all or any of the FT Content (by spidering or otherwise).
• frame, harvest or scrape the FT Content or otherwise access the FT Content for similar purposes.
• use or attempt to use the FT Content outside the parameters we set depending on what subscription you have.

Linking: A site or service that links to pensionsweek.com must not in any way imply that FT is endorsing it or its products or services; must not misrepresent its relationship with FT or present false information about FT; must not be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations; and must not be a site or service that contains content that could be construed as distasteful or offensive.

3. Privacy Policy and Registration

All information received by you from your use of pensionsweek.com will be used by FT in accordance with our Privacy Policy. Please read this for details of how we may process your personal data.

On registration, you must provide FT with accurate, complete registration information and it is your responsibility to update and maintain changes to that information on the applicable pensionsweek.com registration pages. FT is entitled to rely on any information you provide to us.

Each registration is for a single user only. On registration, you will choose an email address and password (“ID”). You are not allowed to share your ID or give access to FT Content through your ID to anyone else. FT does not allow multiple users on a network or within an organisation to use the same ID. FT may cancel or suspend your access to pensionsweek.com if you share your ID without further obligation to you. 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 pensionsweek.com.

You are responsible for all use of pensionsweek.com made by you or anyone else using your ID and for preventing unauthorised use of your ID. 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 at pweditorial@ft.com. We recommend that you do not select an obvious user password (such as your name) and that you change it regularly.

If you provide FT with an email address that will result in any messages FT may send you being sent to you via a network or device operated or owned by a third party (e.g. your employer or college) then you promise that you are entitled to receive those messages. You also agree that FT may stop sending messages to you without notifying you.

If you are a registered user of pensionsweek.com then you may choose to use the “Keep me logged in at this machine” feature that enables you to be logged in automatically to pensionsweek.com whenever you visit it without having to manually log in each time. We recommend that you do not enable this feature on any computer that is or may be used by anyone other than you in order to prevent unauthorized access by third parties to both your registration details and features of pensionsweek.com personal to you.

4. Third Party Sites and Services

pensionsweek.com may contain links to other Internet websites or online and mobile services provided by independent third parties, including websites of our advertisers and sponsors (what we call “Third Party Sites”), either directly or through frames. Third Party Sites may be co-branded with FT and so include FT’s trade marks.

It is your decision whether you purchase or use any third party products or services made available on or via Third Party Sites and you should read Section 5 below carefully. Our Privacy Policy does not apply to Third Party Sites.

pensionsweek.com contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on pensionsweek.com complies with international and national law. FT is not responsible for any error or inaccuracy in advertising or sponsorship material.

Copyright in any software that is made available for download from pensionsweek.com belongs to FT 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. Do not install or use any of this software unless you agree to such licence agreement. FT is not responsible for any technical or other issues that may happen if you download third party software.

5. Our Responsibilities To You

A summary of what this section means: this section is important and you should read it carefully. It makes clear to what extent, if any, FT accepts responsibility (liability) to you for your use of pensionsweek.com or the FT Content or in respect of any third party products or services that we refer to or link to on pensionsweek.com. We accept no financial responsibility to you arising from your use of pensionsweek.com or the FT Content. In no circumstances do we accept responsibility for your use of Third Party Sites or in respect of any Third Party Products. By Third Party Sites we mean websites, online or mobile services provided by third parties, including websites of advertisers and sponsors that may appear on pensionsweek.com. By Third Party Products we mean products or services provided by third parties. Although this means that we accept very little in the way of financial responsibility for your use of pensionsweek.com and the FT Content, we think this is fair on the basis that you can view content and services free-of-charge. It is not commercially possible for us to accept more responsibility for your use of pensionsweek.com than set out in this Section 5 taking into account that we permit you to use pensionsweek.com for no cost.

Limitations of FT Content: the FT Content (including any information we publish regarding Third Party Products) is only for your general information and entertainment purposes and is not intended to address your particular requirements. In particular, the FT Content, including any other content provided by third parties and distributed by pensionsweek.com, does not constitute any form of advice, recommendation, representation, endorsement or arrangement by FT. 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) pensionsweek.com are at your own responsibility and entered into at your own risk. Any information that you receive via pensionsweek.com, 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.

What we promise: FT WILL TRY TO DEVELOP AND OPERATE PENSIONSWEEK.COM WITH REASONABLE SKILL AND CARE AND WILL USE REASONABLE EFFORTS TO PROMPTLY REMEDY ANY FAULTS OF WHICH IT IS AWARE. THIS IS THE ONLY PROMISE WE MAKE IN RELATION TO OUR PROVISION OF PENSIONSWEEK.COM AND THE FT CONTENT.

What we do not promise: BY WAY OF EXAMPLE, THIS MEANS THAT PENSIONSWEEK.COM AND THE FT CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THIS MEANS THAT FT DOES NOT MAKE ANY PROMISES IN RESPECT OF PENSIONSWEEK.COM OR THE SERVICES AND FUNCTIONS AVAILABLE ON OR THROUGH PENSIONSWEEK.COM OR OF THE QUALITY, COMPLETENESS OR ACCURACY OF THE INFORMATION PUBLISHED ON OR LINKED TO FROM PENSIONSWEEK.COM. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, FT DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, CONDITIONS AND DUTIES (EXCEPT ANY DUTIES OF GOOD FAITH) OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY OR OF FITNESS FOR A PARTICULAR PURPOSE. FT ALSO DOES NOT MAKE ANY PROMISES AS TO THE TIMELINESS, SECURITY, PERFORMANCE OR AVAILABILITY OF PENSIONSWEEK.COM AND DOES NOT PROVIDE ANY WARRANTY OR REPRESENTATION THAT PENSIONSWEEK.COM IS FREE FROM INFECTION BY VIRUSES OR ANYTHING ELSE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES.

THE ABOVE DISCLAIMERS APPLY EQUALLY TO YOUR USE OF PENSIONSWEEK.COM AND ALL FT CONTENT. WITHOUT LIMITING THE ABOVE, FT IS NOT LIABLE FOR MATTERS BEYOND ITS REASONABLE CONTROL. FT DOES NOT CONTROL THIRD PARTY COMMUNICATIONS NETWORKS (INCLUDING YOUR INTERNET SERVICE PROVIDER), THE INTERNET, ACTS OF GOD OR THE ACTS OF THIRD PARTIES.

Our financial responsibility to you: YOU AGREE THAT IF WE ARE IN BREACH OF THESE TERMS AND CONDITIONS, WE WILL ONLY BE RESPONSIBLE TO YOU FOR ANY DAMAGES THAT YOU INCUR ARISING OUT OF YOUR USE OF PENSIONSWEEK.COM OR THE FT CONTENT (TO THE EXTENT THAT FT’S LIABILITY IS NOT OTHERWISE EXCLUDED BY THIS SECTION 5) AS FOLLOWS: 

• IF YOU INCUR ANY LOSS AS A RESULT OF USING PENSIONSWEEK.COM OR ANY FT CONTENT OUTSIDE THE SCOPE OF THESE TERMS AND CONDITIONS, FT ACCEPTS NO RESPONSIBILITY (LIABILITY) TO YOU FOR THIS.
• FT ACCEPTS NO RESPONSIBILITY (LIABILITY) TO YOU FOR ANY LOSS OR DAMAGE YOU MAY INCUR AS A RESULT OF YOUR USE OF PENSIONSWEEK.COM OR THE FT CONTENT IN ACCORDANCE WITH THESE TERMS AND CONDITIONS.

THE LIMITATIONS OF LIABILITY IN THIS SECTION 5 APPLY FOR THE BENEFIT OF FT, ITS AFFILIATES AND ALL OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS.

Notwithstanding anything else in this Section 5, FT’s liability will not be limited in the case of death or personal injury directly caused by FT’s negligence in those countries where it is unlawful for FT to seek to exclude such liability.

6. Choice of Law and Jurisdiction

These terms and conditions are subject to English law and the courts of England will (subject to the final paragraph in this Section 6) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions.

For the exclusive benefit of FT and to the extent possible in the applicable jurisdiction, FT will retain the right to bring or enforce proceedings as to the substance of the matter in the courts of the country of your residence or, where these terms and conditions are entered into in the course of your trade or profession, the country of the place of business in which you agreed to these terms and conditions or (if different) the country of your principal place of business.

7. General

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.

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.

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.

Pensionsweek.com is best viewed with one of our supported browsers. Our current list of supported browsers and the degree to which they are supported can be found here. Any registration information you send to us over the Internet is encrypted using 128 bit Secure Socket Layer technology. SSL is currently the preferred method to securely transfer data over the Internet.

8. Corporate Information

The Financial Times Limited is the publisher of the Financial Times newspaper and pensionsweek.com, and its corporate details are as follows: registered office address is Number One Southwark Bridge, London SE1 9HL; company number is 227590; VAT number is 278 5371 21; and Data Protection Registration Number is Z7087146.

9. Changes to Terms and Conditions

These terms and conditions were published on 12 October 2011.

© THE FINANCIAL TIMES LTD 2011 'FT' and 'Financial Times' are trademarks of The Financial Times Ltd.

Copyright Policy

Our terms and conditions set out the detail of what you can and cannot do with our content and all use of www.pensionsweek.com (“pensionsweek.com”) is subject to them. 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 pensionsweek.com, which shall become effective and replace any previous policy with effect from publication. This version of the copyright policy was published on 12 October 2011.

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 pensionsweek.com and other digital/wireless platforms is protected by copyright law and should only be used as set out in the “How may I use pensionsweek.com 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 pensionsweek.com content?

You may do the following:

• View our content for your personal use on any device that is compatible with pensionsweek.com (this might be your PC, laptop, Blackberry, iPhone 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 pensionsweek.com?

You may not copy FT content from pensionsweek.com 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:

-         only publish the feed for access via a web-based browser.

-         publish the feed as it is made available on pensionsweek.com, so that you only include the headline and teaser content, and ensure that the headline links back to the full text article on pensionsweek.com.

-         attribute the feed to the FT as “© The Financial Times Limited [year]”.

-         do not archive the feed or any of its content.

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 [pensionsweek.com] reported that”, with a hypertext link to the original story published on pensionsweek.com;

• in the case of abstracts, you make clear that the abstract has been produced by you by stating “this abstract from [pensionsweek.com] was produced by [name]”, with a hypertext link to the original story published on pensionsweek.com;

• 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 pensionsweek.com 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.

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. By way of example only, this means that you cannot:

• If you are a registered user, 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.

I thought that as long as I linked back to your website or published an attribution, that there are no restrictions on how I can use your content?

This is not correct. Merely providing a link or an attribution is not a defence to copyright infringement.

Why does it matter if I copy content from pensionsweek.com without permission?

Unauthorised copying is a way of avoiding paying for the value you are gaining by using the content. We make a significant investment in creating FT content to deliver value to you and to make a return on that investment. If we are unable to protect that investment by licensing our content and collecting revenue, then it threatens our ability to continue to create the content.

What about “fair dealing” or “fair use” – doesn’t that allow me to copy things for the purpose of reporting news or current events?

Copyright law does allow, to a limited extent, republication for certain limited purposes, including the reporting of news or current events. We recommend that you take independent legal advice on the exact meaning of these terms if you want to rely on them. Unless your use of our content is permitted by this Copyright Policy, it is likely that we regard it as “unfair” and a breach of our terms and conditions.

But I need to use pensionsweek.com to do my job and I already use it in the way you say I can’t. Do I have to stop?

Yes, you do. It’s likely that both you and your company are legally responsible if you are using pensionsweek.com to do your job in a manner that we do not permit.

May I scrape pensionsweek.com and republish headlines as part of a commercial service?

No

Is all material published on pensionsweek.com protected by copyright?

Yes, it is, so is all of the content we publish in our newspaper, magazines, digital, mobile applications etc., and so is FT content published on third party platforms. Our content is also protected in other ways, for example, protected as a database by way of database rights.

Does that mean that FT owns all of the material?

We own most of it, and what we don’t own ourselves we ensure we obtain the appropriate rights, permissions or licences to re-use. If you believe that we are using your content without your consent, please email us at pweditorial@ft.com so we can investigate this.

I have some questions about your policy, who should I contact?

Please email us at: pweditorial@ft.com