In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:
Our Web App is owned and operated by Riskbook Ltd, a limited company registered in England under company number 10475714, whose registered address is 1 Adamson Drive, Telford, TF4 3UJ, United Kingdom.
Access to Our Web App is currently free of charge while we remain in 'beta' development mode. It is your responsibility to make any and all arrangements necessary in order to access Our Web App. We may from time to time make changes to Our Web App:
Minor changes may be required to make underlying technical alterations, for example, to fix an error or to address a security issue. Minor changes may also be made to reflect changes in the law or other regulatory requirements. We can provide updates of any such changes on request, however they will be unlikely to materially affect your use of Our Web App.
We will keep you informed of the iterative process of development via a monthly email newsletter. You may unsubscribe from this newsletter by sending an email to email@example.com.
We will always aim to ensure that Our Web App is available at all times. In certain limited cases, however, We may need to temporarily suspend availability to make certain changes. Unless We are responding to an emergency or an urgent issue, We will inform you in advance via email of any planned interruptions to the availability of Our Web App.
An Account is required to use Our Web App. You may not create an Account if you are under 18 years of age.
When creating an Account, the information you provide must be accurate and complete. If any of your information changes at a later date, it is your responsibility to ensure that your Account is kept up-to-date.
We require that you choose a strong password for your Account which is difficult to guess and unique to Our Web App. It is your responsibility to keep your password safe. You must not share your Account with anyone else. If you believe your Account is being used without your permission, please contact Us immediately. We will not be liable for any unauthorised use of your Account. You must not use anyone else’s Account.
Any personal information provided in your Account will be collected, used, and held in accordance with your rights and Our obligations under the Data Protection Act, as set out in 'Data Protection'. If you wish to close your Account, you may do so at any time. Closing your Account will result in the removal of your personal information. Closing Your account will also remove any User Content that you have created from Our system.
We grant Users a limited, non-exclusive, revocable, worldwide, non-transferable licence to use Our Web App for the purpose of trialling the Riskbook Beta application, for personal (including research and private study) and business purposes, subject to these Terms and Conditions.
Subject to the licence granted to Us under 'User Content', Users retain ownership of copyright and other intellectual property rights in their User Content (subject to any third party rights in that User Content and the terms of any licence under which you use such content).
All other Content included in Our Web App (including all user-facing material, and all underlying material such as code, software and databases) and the copyright and other intellectual property rights in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content is protected by applicable United Kingdom and international intellectual property laws and treaties.
By accepting these Terms and Conditions, you hereby undertake:
You may link to Our Web App provided that:
You may not link to Our Web App from any other website the content of which contains material that:
We may provide links to other content such as websites, web apps and downloadable apps. Unless expressly stated, this content is not under Our control. We neither assume or accept responsibility or liability for such third party content. The provision of a link by Us is for reference only and does not imply any endorsement of the linked content or of those in control of it.
You agree that you will be solely responsible for any and all User Content that you create or upload using Our Web App. Specifically, you agree, represent and warrant that you have the right to create or upload the User Content and the right to use all materials of which it is comprised and that it will not contravene any aspect of Our Acceptable Usage Policy.
You agree that you will be liable to Us and will, to the fullest extent permissible by law, indemnify Us for any breach of the warranties given by you. You will be responsible for any loss or damage suffered by Us as a result of such breach.
You (or your licensors, as appropriate) retain ownership of your User Content and all intellectual property rights subsisting therein. By creating or uploading User Content, you grant Us an unconditional, non-exclusive, fully transferable, royalty-free, perpetual, worldwide licence to use, store, archive, syndicate, publish, transmit, adapt, edit, reproduce, distribute, prepare derivative works from, display, perform and sub-licence your User Content for the purposes of operating and promoting Our Web App.
If you wish to remove User Content, you may do so from within the application. Removing User Content also revokes the licence granted to Us to use that User Content. You acknowledge, however, that caching or references to your User Content may not be made immediately unavailable (or may not be made unavailable at all where they are outside of Our reasonable control).
We may reject, reclassify, or remove any User Content created or uploaded using Our Web App where that User Content, in Our sole opinion, violates Our Acceptable Usage Policy, or if We receive a complaint from a third party and determine that the User Content in question should be removed as a result.
All User Content and the intellectual property rights subsisting therein, unless specifically labelled otherwise, belongs to or has been licensed by the relevant User. All User Content is protected by applicable United Kingdom and international intellectual property laws and treaties.
Users may not copy, distribute, publicly perform, publicly display, reproduce or create derivative works based upon, another User’s User Content without first obtaining the express consent of the User to whom the User Content in question belongs.
We take technical measures to limit and/or restrict the ability of Users to unlawfully copy User Content created using Our Web App. Despite such measures, We do not make any representation or warranty that your User Content will not be unlawfully copied without your permission.
You may only use Our Web App in a manner that is lawful and that complies with the provisions listed below. Specifically:
The following types of User Content are not permitted on Our Web App and you must not create, submit, communicate or otherwise do anything that:
We reserve the right to suspend or terminate your Account and/or your access to Our Web App if you materially breach these provisions or any of the other provisions of these terms and conditions. Specifically, We may take one or more of the following actions:
We hereby exclude any and all liability arising out of any actions (including, but not limited to, those set out above) that We may take in response to breaches of these Terms and Conditions.
We may feature advertising within Our Web App and We reserve the right to display advertising on the same page as any User Content. You agree that you will not attempt to remove or hide any advertising using HTML/CSS or by any other method.
We are not responsible for the content of any advertising in Our Web App. Each advertiser is responsible for the content of their own advertising material. We will not be responsible for any advertising in Our Web App including, but not limited to, any errors, inaccuracies, or omissions.
No part of Our Web App or any accompanying documentation (whether provided in electronic form or otherwise) constitutes advice on which you should rely and is provided for general information purposes only. Professional or specialist advice should always be sought before taking any action relating to the content shared by other users.
We make no representation, warranty, or guarantee that Our Web App will meet your requirements, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.
We make reasonable efforts to ensure that the Content contained within Our Web App is complete, accurate and up-to-date. We do not, however, make representations, warranties or guarantees (whether express or implied) that Our Web App (and the Content therein) is complete, accurate or up-to-date.
We are not responsible for the content or accuracy, or for any opinions, views,or values expressed in any User Content created using Our Web App. Any such opinions, views, or values are those of the relevant User, and do not reflect Our opinions, views, or values in any way.
To the fullest extent permissible by law, We accept no liability for anyforeseeable loss in contract, tort (including negligence), for breach of statutory duty, or otherwise arising out of or in connection with the use of (or inability to use) Our Web App or the use of or reliance upon any Content (whether that Content is provided by Us or whether it is User Content) included in Our Web App.
To the fullest extent permissible by law, We accept no liability for loss ordamage that is not foreseeable.
To the fullest extent permissible by law, We exclude all representations,warranties, and guarantees (whether express or implied) that may apply to Our Web App or any Content (including User Content) included in Our Web App.
We accept no liability for loss of profits, sales, business or revenue; loss ofbusiness opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
We exercise all reasonable skill and care to ensure that Our Web App is freefrom viruses and other malware. We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material that may adversely affect your hardware, software, data or other material that occurs as a result of your use of Our Web App (including the downloading of any Content (including User Content) from it) or from any other website We may provide a link to.
We neither assume nor accept responsibility or liability arising out of anydisruption or non-availability of Our Web App resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
Nothing in these Terms and Conditions excludes or restricts Our liability inany situation where it would be unlawful for us to do so including fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.
We exercise all reasonable skill and care to ensure that Our Web App is secureand free from viruses and other malware. We do not, however, guarantee that Our Web App is secure or free from viruses or other malware and accept no liability in respect of the same.
You are responsible for protecting your hardware, software, data and othermaterial from viruses, malware and other internet security risks.
You must not deliberately introduce viruses or other malware, or any othermaterial which is malicious or technologically harmful either to or via Our Web App.
You must not attempt to gain unauthorised access to any part of Our Web App,the server on which Our Web App is stored, or any other server, computer, or database connected to Our Web App.
You must not attack Our Web App by means of a denial of service attack, adistributed denial of service attack, or by any other means.
By breaching these provisions you may be committing a criminal offence underthe Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Web App will cease immediately in the event of such a breach and, where applicable, your Account will be suspended and/or deleted.
All personal information that We may collect (including, but not limited to,your name and contact details) will be collected, used, and held in accordance with the provisions of the Data Protection Act 2018 and your rights and Our obligations under that Act.
We may use your personal information to:
We will not pass your personal information on to any third parties withoutfirst obtaining your express permission to do so.
If you have an Account, We may from time to time send you important notices byemail. Such notices may relate to matters including, but not limited to, service changes, changes to these Terms and Conditions, changes to Our Web App, and changes to your Account.
We will never send you marketing emails of any kind without your expressconsent. If you do give such consent, you may opt out at any time by emailing us. If you opt out of receiving emails from Us at any time, it may take up to 10 business days for Us to comply with your request. During that time, you may continue to receive emails from Us.
For questions or complaints about email communications from Us (including, butnot limited to, marketing emails), please contact Us at firstname.lastname@example.org.
We may transfer (assign) Our obligations and rights under these Terms andConditions (and under the Contract, as applicable) to a third party (this may happen, for example, if We sell Our business). If this occurs, you will be informed by Us in writing. Your rights under these Terms and Conditions will not be affected and Our obligations under these Terms and Conditions will be transferred to the third party who will remain bound by them.
You may not transfer (assign) your obligations and rights under these Terms andConditions (and under the Contract, as applicable) without Our express written permission.
The Contract is between you and Us. It is not intended to benefit any otherperson or third party in any way and no such person or party will be entitled to enforce any provision of these Terms and Conditions.
If any of the provisions of these Terms and Conditions are found to beunlawful, invalid or otherwise unenforceable by any court or other authority, that / those provision(s) shall be deemed severed from the remainder of these Terms and Conditions. The remainder of these Terms and Conditions shall be valid and enforceable.
No failure or delay by Us in exercising any of Our rights under these Terms andConditions means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms and Conditions means that We will waive any subsequent breach of the same or any other provision.
We may alter these Terms and Conditions at any time. Any such changes willbecome binding on you upon your first use of Our Web App after the changes have been implemented. You are therefore advised to check this page from time to time.
In the event of any conflict between the current version of these Terms andConditions and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.
To contact Us, please email Us at email@example.com.
These Terms and Conditions, the Contract, and the relationship between you andUs (whether contractual or otherwise) shall be governed by, and construed in accordance with the law of England & Wales.
Any disputes concerning these Terms and Conditions, the relationship betweenyou and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales.