Terms & Conditions
These website terms and conditions govern your access to and your use of the website. Please read them carefully.
1. Introduction
1.1 These terms and conditions shall govern your use of our website.
1.2 By using our website, ("Website") you consent to these terms and conditions ("Terms") in full. If you do not agree to any part of these Terms, you must not use the IAM Website.
1.3 Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our privacy and cookies policy.
1.4 The Website is operated by the Institute of Asset Management ("IAM"). Registered address: 4th Floor St Catherine's Court, Berkeley Place, Bristol, BS8 1BQ, UK.
1.5 This Website and these Terms are governed exclusively by UK law. For more information about UK copyright law please visit the UK Intellectual Property Office website.
1.6 The IAM reserves the right to revise these Terms at any time.
2. Contents
2.1 The contents of this Website (“Contents”) are for general information only. The Contents are not intended to address specific requirements or form specific advice.
2.2 The IAM gives no warranty for the accuracy, completeness or fitness for purpose of the Contents or for the updating of the Contents, and accepts no liability resulting from your use of the Contents.
2.3 The IAM may change access and permissions for the Website or Contents at any time and without notice
3. Copyright and Intellectual Property
3.1 Unless stated otherwise, the IAM is the owner or the licensee of all intellectual property rights and copyright in the Contents of our Website and the material made available to download from it.
3.2 The IAM’s status (and that of any identified contributors) as authors of material on the Website should always be acknowledged.
3.3 You may only print (or download) the Contents for private and personal non-commercial use, and may not otherwise copy, reproduce, distribute, republish, download, display, post or transmit, in any form or by any means, the Contents without the express written permission of the IAM.
3.4 Certain Contents (particularly downloads) are subject to additional specific Terms & Conditions which are available on the appropriate pages. By using such Contents, you consent to these additional Terms & Conditions.
4. Third parties and third party websites
4.1 The Website contains links to other websites. These websites are not operated by the IAM and are outside the control of the IAM. The IAM accepts no responsibility for these websites or their contents.
4.2 These terms and conditions are not intended to benefit or be enforced by any third party.
5. Website Disclaimer
5.1 The IAM does not accept liability of any description, including for negligence (except for personal injury or death), damages or losses (including, but not limited to, indirect or consequential loss, or loss of business, revenue, profits, use or opportunity) howsoever arising from your use (or inability to use) this Website or Contents.
6. Trading Disclaimer
6.1 IAM Trading Ltd is VAT registered and wholly-owned by The Institute of Asset Management (a Company Limited by Guarantee).
6.2 The IAM supplies much of its material free of charge to both Members and non-Members. However, we charge for membership subscription for various grades of membership, some events, and we supply some products and services for sale.
6.3 The following terms and conditions apply for the following purchasable items:
(a) Membership subscriptions: Membership subscriptions are non-refundable once an application has been accepted and paid. We understand that you will not renew your membership if you are not satisfied and we ask that any complaints or concerns are raised with us as soon as possible.
(b) Event bookings: Events are usually charged by means of selling tickets for entry. In some cases, deposits or early full payment will attract a significant discount. If the event is cancelled, full refunds will be available. In any other circumstances, such as failing to attend for example, the IAM does not offer refunds. In exceptional circumstances the IAM will consider application for a refund but reserves the right to make an administration charge or to retain the payment as credit to be used on another IAM event within 12 months of cancellation.
(c) Products: Products that have been purchased through the IAM are non-refundable, unless undelivered. The IAM recommends courier services both for speed and certainty of delivery. The items are described fully in appropriate pages of our Website and our Office is available to discuss their relevance before purchase.
(d) Services: Services are subject to specific additional Terms & Conditions, available on appropriate pages of our Website. For the benefit of Members, the IAM lists events and products provided by partner organisations or others, which not imply or create a contractual relationship with the IAM. Any bookings or payments for events or products not provided by the IAM are therefore subject to the terms and conditions of those organisations.
7. Limitations and exclusions of liability
7.1 Nothing in these terms and conditions will:
(a) limit or exclude any liability for death or personal injury resulting from negligence;
(b) limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) limit any liabilities in any way that is not permitted under applicable law; or
(d) exclude any liabilities that may not be excluded under applicable law.
7.2 The limitations and exclusions of liability set out in this Section 7 and elsewhere in these terms and conditions:
(a) are subject to Section 7.1; and
(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
7.3 To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.
7.4 We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
7.5 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
7.6 We will not be liable to you in respect of any loss or corruption of any data, database or software.
7.7 We will not be liable to you in respect of any special, indirect or consequential loss or damage.
7.8 You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
8. Breaches of these terms and conditions
8.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
(a) send you one or more formal warnings;
(b) temporarily suspend your access to our website;
(c) permanently prohibit you from accessing our website;
(d) block computers using your IP address from accessing our website;
(e) contact any or all of your internet service providers and request that they block your access to our website;
(f) commence legal action against you, whether for breach of contract or otherwise, and/or;
(g) suspend or delete your account on our website.
9. Assignment
9.1 You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
9.2 You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
10. Severability
10.1 If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
10.2 If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
11. Entire agreement
11.1 Subject to Section 9.1, these terms and conditions, together with our privacy policy and cookies policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.
1. Introduction
1.1 The Institute of Asset Management (“IAM”) asserts and retains full copyright of all its products and publications (“Products”), both free and paid.
2. Using IAM Products
2.1 IAM Products are published by and are the copyright of the IAM, but you can use Products as described in this agreement as long as the IAM is acknowledged as the source and our website address (www.theIAM.org) appears in a reasonably prominent related position.
2.2 You may download and use Products for your personal benefit including as part of organised and/or commercial training, if you have registered your personal details with the IAM.
2.3 You may reproduce Products for personal use only.
2.4 You may quote from Products and/or incorporate parts of Products in your own documents provided that you comply with the other parts of this agreement and acknowledge clearly that Products have been published by and is the copyright of the IAM.
3. Resale and distribution of IAM Products
3.1 Products may not be sold or exploited for gain in whole or in part without the prior written authority of the IAM.
3.2 You shall not exploit Products or any part of them commercially nor sell any of its contents nor post them to any website or bulletin board nor transmit them to other persons. If you have a proposal or wish to request such permission, please contact us by email at Office@theIAM.org.
3.3 You shall not include or distribute any Products as part of a package with any other material of any description without prior written permission.
4. Translation of Products
4.1 Free Products may be translated into other languages as long as the copyright and source is unaffected and acknowledged prominently. Note that meanings may thereby be compromised and English is always the reference language for ascertaining precise meanings. Please supply a copy of the translated version in any non-English language for our reference.
4.2 The IAM would prefer to collaborate with you if you wish to translate a Product and we will acknowledge your contribution and distribute it to other users of the same language.
5. Disclaimer
5.1 The IAM does not warrant the suitability or validity of Products for any purpose and will not accept any liability whatsoever for its use or incorporation by others and any real or alleged consequences.
5.2 The IAM will continuously amend and improve versioned Products as and when evidence and feedback are available and deemed an improvement. Such changes and/or new versions will be made available to users who have registered and keep their details current. If you find errors or have constructive proposals for such changes, please let us know by email at Office@theIAM.org.
Conference and Event Terms & Conditions
By booking onto IAM conferences and events, the following terms and conditions apply.
Photography and filming
When attending physical events photography and filming will occur. These images and videos will be used by the Institute of Asset Management and may be published on our website, social media and circulated to media organisations for publication or transmission.
Delegate list
A list of all delegates in attendance will be available during the conference. This list will include only the names and organisations of attendees, and no other personal or contact details. If you wish to be removed from this list, please contact the IAM prior to the conference.
Cancellation
If you cancel your booking, the following refund policy applies:
- 32+ days before event start date - a full refund will be issued
- 15 - 31 days before event start date - a 50% refund will be issued
- 0 - 14 days before event start date - no refund will be issued
The IAM reserves the right to cancel any event. In this case, the full fee will be refunded unless a mutually convenient transfer can be arranged.
VAT Overseas
Overseas delegates must pay the VAT charged on their invoice as conferences, courses and other events that take place in the UK are liable for UK VAT (they are classed under VAT legislation as 'services' and therefore VAT is chargeable at source). Overseas delegates may be able to claim this VAT back from the UK VAT office later.
For information on reclaiming VAT see Notice no 723A which can be obtained from the HM Revenue & Customs website.