Terms and Conditions

Fleet Street Publications Limited

Fleet Street Publications Limited is registered in England and Wales with company number 1937374 and VAT number GB 629 7287 94. Our registered address is Sea Containers House, 7th Floor, 20 Upper Ground, London SE1 9JD.

Fleet Street Publications is authorised and regulated by the Financial Services Authority in relation to the conduct of investment business (FSA registration number 115234 - for more information see http://www.fsa.gov.uk/register/home.do).

Not all of Fleet Street Publications Limited's products are regulated by the FSA. Only those products which are regulated by the FSA fall within the scope of the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Full details of our complaints handling process for regulated services are available on request to customer services or by clicking here. If you are dissatisfied with our handling of a complaint relating to one of our regulated services, you may be entitled to refer the matter to the Financial Ombudsman Service (for more information see www.financial-ombudsman.org.uk).

In the event of our insolvency, you may be entitled to compensation from the Financial Services Compensation Scheme in relation to money we owe you in respect of the provision of our regulated services (for more information see www.fscs.org.uk).

Our regulated services will provide you with advice on investments and we may also facilitate arrangements for you to act on our published advice. In providing this service, we will treat you as a retail client for the purposes of FSA rules.

General investment advice only

The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.

If you need guidance as to how to interpret our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.

We Welcome Contact

We positively encourage telephone calls and emails about our products and services.

If you would like to comment on the editorial content of any of our products, our editors would love to hear from you. You will find a contact email address for them on each product's home page.

If you have a general query please contact our customer services department on 020 7633 3600. Their opening hours are 9am to 5.30pm Monday to Friday (9am to 2pm Wednesday), excluding public holidays. Please note that calls may be recorded and monitored to help improve our services.

Product Information

All prices quoted are inclusive of applicable taxes and delivery costs.

Special Offers

Special first year price offers are only available to those who have not previously subscribed and are limited to one subscription per household.

Money-back Guarantees

We offer a "no questions asked" money-back guarantee on some of our products. Under these guarantees, if you are not completely satisfied with your product you can contact us to claim a full refund within the specified period, and thereafter a pro rata refund.

From time to time we promote other companies' products. Whilst we encourage our partner companies to offer as generous a refund policy as we do, their refund policy may differ, so please ensure you check their refund policy before ordering.

Confirmation of Your Order

Within two working days of your order you will be sent an 'order receipt' email. This confirms receipt of your order. It will not contain the payment details provided by you.

In the event of any non-authorisation of your card, a customer services representative will contact you by telephone, if you have supplied your number, or by email, to check the details you have supplied, and re-try the authorisation process. Again, if we contact you by email, the email will not contain any of your payment details.

Ending a subscription

We are entitled to terminate your subscription at any time by refunding the proportion of your subscription fee which relates to the issues we do not send to you.

Copyright

Copyright in all information, text and images featured on this site, is owned by or licensed to Fleet Street Publications Limited and/or Agora Lifestyles Limited. Provided that you acknowledge Fleet Street Publications Limited or Agora Lifestyles Limited as the case may be, as the source of the information, you are entitled to save or download one copy of any of the information on this site for the purposes of reference, but you are not entitled to make any further copies of that work.

With any saving or otherwise copying from this website the terms and conditions for use shall be deemed to have been accepted. All property rights shall remain with Fleet Street Publications Limited or Agora Lifestyles Limited as the case may be. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose this website without the prior written permission of Fleet Street Publications Limited or Agora Lifestyles Limited as the case may be.

Website maintenance

We do try to ensure that this website is up to date, but can give no guarantee of the accuracy and currency of the information provided on it. We do everything in our power to ensure that this website is fully operational and available to you at all times. However, in order to make sure the website is up to date and offering you the best service, on rare occasions access may be interrupted or restricted to allow for emergency or routine maintenance or the introduction of new facilities and services.

Links to sites that may interest you

We may provide links to other websites owned by Fleet Street Publications Limited, Agora Lifestyles Limited or other associated companies. We may also choose to provide links to sites that are owned by third parties. Please note that all links are provided for your convenience only, and unless expressly stated, we do not endorse or recommend any third party sites.

Applicable Law

When buying goods and services on the internet, you are entering into a legally binding contract. These terms and conditions shall be governed by and construed in accordance with English Law, and subject to your right to complain to the Financial Ombudsman Service, the courts of England and Wales shall have non-exclusive jurisdiction over any disputes arising between us. Communications between us will be in English unless agreed otherwise.

Last updated 1 October 2009