Terms and Conditions

These terms apply to insuranceassetnews.com, its news, data, newsletters and website features (the “service”). The service is operated by Richard Sarsfield, a sole trader trading as Insurance Asset News (“IAN”, “we”, “us”), at Hawkshead Old Hall, LA22 0NN. IAN is a specialist publication for insurance investment professionals. Contact details are in section 16.

Please read these terms before using the service or creating an account. They explain the basis on which you may use our work, the limitations of the information we publish and our responsibilities. In particular, sections 5–7 address accuracy and reliance; section 10 addresses liability; and sections 11–12 cover readership information and your settings. Nothing here removes rights that the law gives you and does not permit us to exclude.

1. The service and these terms

By using IAN or registering, you agree to these terms. If you do not agree, stop using the service. Registration provides an individual account; it does not create an advisory, fiduciary, agency or client relationship with IAN or its publisher. Reading IAN in a professional capacity does not authorise you to commit your employer to a separate commercial agreement.

The Privacy Notice explains personal-data handling, and the Editorial Policy explains our publishing standards. Product-specific terms apply where expressly presented for a particular service, including Apex IPS SPPI Lens. Specific terms govern that product if there is a conflict; the protections for mandatory rights in these terms remain applicable. A separate signed commercial agreement takes precedence over these general terms for its stated subject matter.

2. Accounts and security

Provide accurate registration details and keep your contact information current. Use an email address you control and protect your password. Accounts are for individual use: do not share credentials, impersonate another person or allow others to use your access to bypass registration or paid-access restrictions. Notify subscriptions@insuranceassetnews.com promptly if you suspect unauthorised access.

You are responsible for activity you authorise through your account and for taking reasonable precautions on shared devices. You are not automatically responsible for every unauthorised act by a third party. We may verify registration details and refuse or restrict accounts where reasonably necessary to protect the service, comply with law or address misuse.

3. Free access and paid services

General website registration is currently free. Some separately identified tools or services may have their own charges, access requirements and terms. Before you buy a paid service, its price, billing arrangements, duration and applicable cancellation rights will be presented to you. Creating a free IAN account does not authorise a payment or a future subscription charge.

If we introduce charges for currently free access, we will explain the proposed change and available options in advance. You will only be charged if you expressly agree to a paid offer. Optional newsletters require their separate subscription choice; accepting these terms does not subscribe you to marketing emails.

4. Permitted use and intellectual property

You may read IAN for your own information and professional research, share links to our pages and quote limited extracts with clear attribution and a link, subject to copyright law and any restrictions identified with particular material. Ownership of our articles, presentation, software, databases and branding remains with IAN or the relevant rights holder. Access does not transfer those rights.

Without permission, do not republish complete articles, distribute paid or restricted material to people without access, resell our material, create a competing feed or database through systematic extraction, remove rights notices, or imply that IAN endorses your business. Do not use automated collection to evade access controls, overwhelm the service or harvest members’ personal data. Commercial bulk reuse, syndication, scraping and use of IAN content to train commercial machine-learning systems require written permission. Statutory exceptions and rights that cannot lawfully be restricted remain unaffected.

Use the service lawfully. Do not introduce harmful code, probe or exploit security weaknesses without authorisation, interfere with other users, submit fraudulent information or attempt to gain access to private systems or records.

5. Accuracy, sources and corrections

We aim to publish accurate, useful information and correct material errors. Articles, summaries, charts and data may nevertheless contain mistakes, omissions, transcription errors, incomplete source information or delays. Publication is not a warranty that every statement or figure is complete, independently verified, current or suitable for a particular task.

Check the article date, reference period, units, scope and linked source before using a figure. Historic articles describe information available at the time and are not necessarily updated for subsequent developments. Regulatory proposals can change before implementation; reporting on a consultation does not establish the law or the treatment of a particular transaction. Translations, summaries and automated processing can lose context. The underlying official document should be consulted where its wording matters.

Tell us about a suspected error through editorial@insuranceassetnews.com. Our Editorial Policy describes our approach to corrections. A correction does not imply that all other material on the same subject has been revalidated.

6. No advice and independent decisions

IAN provides general news, information and analytical material. It does not provide personalised investment, legal, tax, actuarial, accounting, insurance or other professional advice. An article, ranking, screening result or reference to a firm, security, product or strategy is not an offer, solicitation, suitability assessment or recommendation to enter into a transaction.

Do not use IAN as the sole basis for an investment, capital, accounting, regulatory, legal or commercial decision. Verify material facts with authoritative sources and obtain advice appropriate to your circumstances. You remain responsible for your due diligence, assumptions, approvals and decisions. We do not know your objectives, liabilities, risk appetite, financial position or legal obligations merely because you hold an account.

Past returns, modelled outcomes, examples and forecasts do not establish future results. Prices, yields, exchange rates, valuations and regulatory treatments may change. Loss of capital and other adverse outcomes are possible. Statements of opinion reflect the stated context and date and may differ between contributors.

7. Data, models and analytical tools

Dashboards, calculators, scenario analyses and screening tools depend on their source data, methodology, assumptions and the inputs supplied. Their outputs may be indicative, rounded, delayed or incomplete. An apparently precise output is not proof of precision in its inputs or a guarantee of economic, legal or accounting validity.

Before using an output professionally, check the applicable methodology, source date, units, currency, instrument terms and scenario settings. Independently validate material results, including against original documents and your organisation’s approved models and controls. A website calculation is not an audited valuation, regulatory approval, binding accounting determination or substitute for a qualified person’s review.

Product-specific notices and acceptance requirements continue to apply. Do not upload material you are not entitled to provide. Where a tool permits uploads, its own notice explains document handling and retention; these general terms do not create a promise that uploads are unrecorded or immediately deleted.

8. External content and commercial relationships

Links, source documents, research papers, directories, advertisements and external services may be supplied or maintained by third parties. A link or listing does not certify that a provider is authorised, solvent, suitable for you or endorsed by IAN. External websites have their own terms, privacy practices and security arrangements. Check a provider and its contractual terms before dealing with it.

Advertising and sponsored material are identified as such. Commercial relationships are explained where relevant, including on our About and Editorial Policy pages. The presence of an advertisement does not turn editorial material into advice or make IAN a party to a transaction you enter into with the advertiser. We remain responsible for our own legal obligations.

9. Availability and security

We may maintain, change or temporarily suspend features to address faults, update content or protect the service. We do not promise uninterrupted access, a particular refresh frequency unless expressly stated, or compatibility with every device. Source or hosting failures can delay reports. We will take reasonable steps to address problems within our control; paid-service remedies remain governed by the relevant agreement and applicable law.

Keep your device, browser and security software current, and retain your own copies of information needed for your work. No internet service can be promised to be entirely free of defects or security incidents. This statement does not reduce our duties to protect personal data or exercise the care required by law.

10. Responsibility and limits of liability

Rights and liabilities we do not exclude. Nothing in these terms excludes or restricts responsibility for fraud, fraudulent misrepresentation, death or personal injury resulting from negligence, or any other responsibility which cannot lawfully be excluded. Mandatory consumer rights, statutory rights concerning digital content and services, and data-protection rights remain intact.

Business and professional use. Subject to the preceding paragraph and the legal requirement that exclusions be reasonable where that requirement applies, we exclude liability for loss of profit, revenue, business opportunity, anticipated savings or goodwill, and for indirect or consequential business loss, arising from use of or inability to use the general publication. This includes those categories of loss arising from reliance on news, data or analytical material for a business decision. These provisions apply whether a claim is framed in contract, negligence or another civil cause of action. They do not remove an express obligation in a separate agreement or impose a monetary cap that has not been agreed.

Consumer use. If you use the service as a consumer, we remain responsible for foreseeable loss caused by our breach of contract or failure to use the care required by law. We do not accept responsibility for loss that neither you nor we could reasonably have anticipated when the contract was made. The business-loss exclusion above does not remove protections you have as a consumer.

Causes outside our responsibility. We are not responsible to the extent a loss results from your misuse of the service, information or inputs you provide that are incorrect, or an event outside our reasonable control which we could not reasonably prevent or mitigate. This does not excuse our own actionable fault. Each exclusion stands separately and applies only to the extent it is lawful and enforceable.

11. Privacy, readership and member activity

Our Privacy Notice describes the data we collect, purposes, legal bases, service providers, retention and your rights. Agreeing to these terms does not waive those rights or itself supply consent where consent is legally required.

When a member accesses an article while signed in, IAN automatically records the article and access time against the member’s account, linked to the latest known name, email address and firm. These records support readership analysis, publication development and member service. They record article access, not how much was read, and are separate from anonymous audience counts. Account details are refreshed on subsequent article access.

Named activity is restricted to authorised IAN personnel and service infrastructure. It is not sent to GA4 or ReframeMe. The ordinary review point is 365 days, allowing a full year of analysis. Records are then reviewed before deletion or any justified extension rather than automatically expiring. An individual erasure request is assessed separately and may require earlier action. The Privacy Notice explains this process.

Vercel and Google Analytics provide separate audience and content statistics. GA4 starts automatically unless a previous refusal or browser exclusion applies. We do not put names, email addresses or IAN account IDs into GA4 events. ReframeMe uses aggregate GA4 reporting. Browser identifiers and technical information are described in the Privacy Notice.

12. Measurement and account settings

You may object to future member-activity recording, request review for deletion of retained activity and download your recorded activity using the member settings below. Account objections apply across browsers. Browser-wide exclusion stops audience measurement and article recording on that browser; it does not delete previous records. These choices do not remove article access or essential account and security processing.

13. Suspension and account closure

We may restrict access where reasonably necessary to investigate suspected fraud, a material breach of these terms, a security incident or a legal requirement. Where practicable, we will explain the reason and how to contact us. Immediate action may be necessary to prevent harm or meet a legal obligation. Restrictions will be proportionate to the circumstances.

You may close your account through Account settings or contact subscriptions. Closure removes the login and stops future member-activity collection; retained records are handled under the Privacy Notice and applicable rights. Closing a website account does not automatically cancel an unrelated paid agreement unless its terms say so. Any applicable refund or cancellation rights remain available.

14. Changes to the service and terms

We may revise these terms to reflect changes in the service, legal requirements, security needs or business arrangements. The date above identifies the current version. We will give reasonable advance notice of material changes affecting registered members where practicable, and any notice required for a paid service. Urgent legal or security changes may take effect sooner, with an explanation as soon as reasonably practicable.

Changes will not retrospectively remove accrued rights or apply new charges without agreement. Continued use after notified changes take effect indicates acceptance of the revised terms for future use. If you disagree, you may stop using the service and close your account, subject to any separate paid agreement and your statutory rights.

15. General provisions and governing law

If a provision is held unenforceable, the remaining provisions continue so far as they can operate fairly and lawfully. A delay in enforcing a right is not a waiver of that right. You may not transfer your personal account to another person without agreement. Any transfer of our contractual responsibilities will preserve your existing rights and protections.

The law of England and Wales governs these terms. For business users, disputes are subject to the courts of England and Wales. Consumers retain any mandatory protections and rights to bring proceedings in their home jurisdiction that applicable law gives them. These terms do not prevent a complaint to a regulator or other statutory remedy.

16. Contact and complaints

Legal service provider: Richard Sarsfield, sole trader trading as Insurance Asset News. Business correspondence address: Hawkshead Old Hall, LA22 0NN.

For general enquiries and permissions, email info@insuranceassetnews.com. For corrections, contact editorial@insuranceassetnews.com; for account or subscription matters, subscriptions@insuranceassetnews.com; and for privacy requests or website faults, admin@insuranceassetnews.com. Our Contact page provides the same channels.