By accessing any part of this website you agree to the following terms of use ("Terms"). If you do not agree to these Terms in full, you must leave the site immediately.

Certain words and phrases are defined in clause 4.3 below and have the same meaning wherever used in these Terms.

1. Liability

1.1     You use this website at your own risk. Although The Investment Association endeavours to ensure that the information and/or material contained on the website is correct, The Investment Association does not make any representations or warranties, express or implied, that the Data is accurate, complete or current, or that use of the website is free of risk of viruses or other damage.  

1.2     Unless otherwise agreed in writing neither The Investment Association nor any of its directors, officers, employees, agents or sub-contractors nor any of the members of the The Investment Association shall be liable to you for:

1.2.1     any direct loss; or

1.2.2     any loss of profits, business or anticipated savings, or loss of or corruption of data, or any indirect loss or consequential loss whatsoever; even if it has been advised or is otherwise aware of the possibility of such loss.   

1.3     If you are a "consumer" (basically, a private individual), nothing in these terms affects your statutory rights as a consumer under English law.

1.4     Nothing in these terms of use shall exclude or limit the liability of The Investment Association for:

1.4.1     death or personal injury due to its negligence, or

1.4.2     for its fraud.

1.5     Nothing in this website is intended to be, or should be construed as:

1.5.1     an invitation, offer or inducement to you or any other person to engage in investment activity, or 

1.5.2     advice on the merits of, or a recommendation in relation to, any particular product or product provider.

1.6     While The Investment Association endeavours to ensure that this website is normally available 24 hours a day, The Investment Association will not be liable if for any reason the website is unavailable at any time or for any period. The Internet is not a failsafe means of communication and interruptions to service, through failure of software or hardware outside the control of The Investment Association, may occur. The Investment Association shall not have any liability for any failure in communication or service, however it occurs.

2. Links  

On this website you may be offered links to other websites which are outside the control of The Investment Association. You should not regard these links as recommendations or promotions of any particular product or product provider, and The Investment Association does not accept responsibility for the content or the privacy practices of such websites, nor for any transactions between you and such websites.

3. Intellectual Property Rights

3.1     All Intellectual Property Rights in all materials on this website are vested in The Investment Association and/or its licensors and content contributors (including its members).

3.2     You must not copy, modify, use or otherwise deal with the whole or any part of this website or the IVIS Reports (in particular, the Data) except that you may (subject always to clause 3.3):

3.2.1     quote from this website or any IVIS Report in material issued by you to a third party so long as it is not a substantial extract and you give due credit to The Investment Association and refer expressly to this website or IVIS Report as the source of the relevant quotation;

3.2.2     download the Data, or use the IVIS Report,  only for your own personal use (if you are a private individual) or for your own internal business use (in all other cases).

3.3     Save to the extent permitted in paragraph 3.2 above, under no circumstances are you permitted or authorised to supply or resell the Data (or any part of it) to third parties, or extract or re-utilise any or all of the Data for commercial purposes, without the prior written consent ofThe Investment Association. 

4. General

4.1     The Investment Association reserves the right at any time to amend these Terms without notice to you. We will do so by posting revised terms on this website. It is your responsibility to check these on any future visit.

4.2     These Terms shall be governed by and construed exclusively in accordance with English law. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the English courts and, by using this website, you hereby submit to and waive any objections to, the jurisdiction of such courts.

4.3     Wherever used in these Terms, the following words and phrases shall have the meanings given to them below:

Data means any information and/or materials (including without limitation statistical materials) contained on this website or made available to you in connection with this website from time to time;

The Investment Association means The Investment Association, whose principal place of business is at 23 Camomile Court, London, EC3A 7LL;

Intellectual Property Rights means trade marks, trade and business names, domain names, copyright and moral rights, rights in databases, patents, rights in confidential information and all other intellectual property rights (in each case whether registered or unregistered and including applications for any of the foregoing) and all rights or forms of protection having equivalent or similar effect to any of the foregoing which may subsist anywhere in the world.