Part 1 – Terms of Use

Introduction

Our services are provided by and maintained by us for your information, entertainment and to build an online community.

The services offered by us include features, content, applications, competitions, prize draws and/or other promotions.

By using these services, you may need to download software and/or content and/or agree to additional terms.

Your agreement with us includes these terms of use and in addition our:

Community Guidelines, which set out our approach to community interaction and how we moderate your content, such as comments made in relation to our articles; and

Privacy Policy & Cookie Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us and information about how your use of our services is monitored so that we are able to improve your user experience. By using our services, you consent to such processing and you warrant that all data provided by you is accurate.

Our Policy

Modifications

We may, at our discretion change, remove, suspend or discontinue any aspect of our services at any time including the availability of any content (e.g. a community forum may be withdrawn). Whilst we will do our best to make all content available to all users of our services, some content may not be available to users from all countries.

Using our services

Our content

Our content, trade marks, copyright, patents, logos, domain names and other related intellectual property rights or other features of our brand belong to us or to our licensors. Your use of our services does not grant you any rights in our or our licensors’ intellectual property whether for commercial or non-commercial use.

We grant our users a licence to access and use our services and intellectual property rights (subject to your ability to access our services as set out above) and to the following usage restrictions:

(a) you may use our services for personal, private and non-commercial purposes; and

(b) you must not commercially exploit, or sell any content appearing on our services (this does not apply to any user content posted by you and in which you retain ownership rights – see paragraph on user generated content below).

In consideration for the rights that we have granted you under these terms of use, you permit us to provide advertising and other information to you, including permitting our third party affiliates to do the same.

Third party content

Third party content included as part of our services, is licensed to you either under these terms of use or through such third party terms and conditions that will be made known to you as and when they become relevant.

Costs of using our services

We provide our users with a variety of services. To benefit fully from our services, we may occasionally require you to download our content and/or call our service providers. If there are charges associated to any of these services, we will make it clear before you incur any such charges and you will be responsible for any charges incurred from that point on.

Terms subject to change

At any time, we may amend these terms of use to ensure that we remain compliant with relevant laws and regulations and to ensure that we are constantly improving your experience in using our services, so please ensure that you check our terms of use frequently. By continuing to use our services after any changes are made, you are accepting those changes and will be bound by them. If we make any important changes to our terms of use, we will notify you and make it clear what important changes have been made.

Content generated by users

Users of our services may submit, post and/or upload content (including comments and pictures) to various parts of our services. In posting your content on our services, you confirm to us that you are the owner or have the consent from the owner to post the content and it does not violate the privacy rights, copyright and other intellectual property rights, contract rights or any other rights of any person.

By submitting content, you grant us a perpetual, irrevocable, worldwide, non-exclusive, royalty-free and fully sub-licensable right and licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such content that you post (in whole or part) and/or to incorporate it in other works in any form, media or technology, and you waive any moral rights you may have in, or to be identified as the author, of such content.

You also warrant that you have read and agree to our Community Guidelines which are incorporated in these terms of use and govern all interactions with us.

We do not endorse your content, or the content of journalists contacted by us. We do not guarantee the accuracy or authority of your content. We reserve the right to remove your content, at any time and for any reason, in accordance with our Community Guidelines.

Disclaimer

We will always aim to provide you with the best service we can, but our service is provided “as is” and we do not and cannot promise that all of the information we provide will always be 100% accurate.

Whilst we take every care to ensure that all information is accurate and complete, some of it is supplied to us by our third party partners. We have no control over third party content and we are unable to guarantee the accuracy of such third party content. Before relying on any information, whether it is from us or from our third party partners, we advise you to verify the accuracy of such information.

Although we will do our best to ensure that our service is fully operational at all times, we are not responsible for any problems or temporary interruptions in using our services arising from factors outside of our control (e.g. technical problems from traffic congestion on the internet) or for any problems arising from participating in or from downloading third party content.

Under no circumstances shall we be responsible for any loss or damage resulting from use of our services, relying on our content or from any content posted on or through our services. However, we will not limit or exclude our liability for death or personal injury caused by our negligence in providing our services.

Limitation of our liability to you

You agree that to the extent permissible by law, your sole and only remedy for any problems, issues or concerns with our service is to stop using our services.

The law that governs our services

These terms of use and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by and construed in accordance with the laws of England and Wales and will be subject to the exclusive jurisdiction of the English courts.

Other information

In these terms of use the following words and expressions will have the following meanings:

Our content means any text, files, images, photos, graphics, video, sounds, musical works, or any other materials that we post on or through our services.

Third party content any text, files, images, photos, graphics, video, sounds, musical works, or any other materials posted on or through our services by our third party partners.

Us, our, we means, IB Insider Limited whose registered 27 Old Gloucester Street, London, United Kingdom, WC1N 3AX.

Your content means any text, files, images, graphics, photos, video, sounds, musical works, or any other materials that a user posts on or through our services.

Part 2 – Community Guidelines 

In addition to the terms and conditions set out above, you agree to use the services in accordance with our Community Guidelines that we specify in relation to a service. All such Community Guidelines shall form part of our terms of use.

Please contact us at contact@ibinsider.com with any questions regarding these Guidelines or our terms of use.

You must be 18 or over to use our services. If you are under 18, please stop using our service.

These Community Guidelines are here to help users understand what is considered to be acceptable content on the website. The rules set out below aim to ensure that users engage with mutual respect, whilst encouraging open discussion.

Our service is all about you – our readers. We want to engage you and hear your views, and we ask for your participation and vigilance.

If you see something that has been posted by another reader and that you think is inappropriate, please let us know right away by reporting the comment as set out below or emailing contact@ibinsider.com

These Guidelines are applicable to all users and therefore should be read before posting a comment.

Community Guidelines

The IB Insider welcomes and encourages all readers to comment and share their opinion. However, certain comments will not be tolerated if they are not legal or do not add an interesting opinion, value, positivity, knowledge or constructive conversation.

Comments that will not be tolerated and will be deleted without notice at our sole discretion include those that contain:

• Crude language including swear words and sexually explicit language
• Threatening, abusive or offensive language
• Racist language
• Language that offends any part of the LGBT community
• Sexist language
• Content in any other language but English
• Content that preaches, encourages or incites religious or ethnic hatred
• Content that links to websites that promote the above
• Knowingly false or misleading content

Defamatory language and defamatory comments about others

Content that will not be tolerated also includes:

• Personal information – yours or someone else’s
• Spam – the same content posted over and over either on the same article or across different articles
• All external URLS linking to other content including:
  • URLs and content that may be unsafe or contain material that such as viruses, files, programmes and code designed to corrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment connected to IB Insider
  • Advertising/sponsorship/external URLs for any commercial purpose
• All comments with images
• Petitions or solicitations for donations for campaigns
• Content that may prejudice both pending and on-going court proceedings
• Content that breaks the law or condones, encourages or provides instructions for illegal or otherwise harmful activities
• Copyright infringements or content that infringes other intellectual property rights

In some cases, we may have to remove an entire segment of content, including messages that do not breach our terms, if it is part of a topic or conversation that was in breach of our guidelines or no longer make sense without a deleted comment. For example, if we remove a racist comment, the responses will no longer be relevant and will be removed.

Banning users

The IB Insider reserves the right to permanently ban any account at our own sole discretion.

Users who are persistent in posting untolerated content within their comments, according to our judgement, may have their accounts banned. This means that a user will find they are unable to comment on the IB Insider on any article across the website.

Moderators may be forced to ban users as a result of the below actions:

• Posting content in breach of these Community Guidelines on the website – even if posted once
• Continuously attempting to re-post comments that have been previously moderated and deleted
• Posting continuous argumentative and/or off topic comments
• Posting comments that harass, threaten or attack anyone or otherwise behave in any way that would cause annoyance or distress to others
• Using offensive or inappropriate screen names
• Gaining unauthorised access to IB Insider, user accounts, computer system or networks connected to IB Insider website
• Impersonating another person, whether a friend, family member, celebrity, moderator, another user of our services or an employee of any member IB Insider.
• Registering or submitting content if you have been banned (for example with someone else’s account) without permission

These rules are there to protect other users of IB Insider and improve the community that we are so proud of. By virtue of this, we ask that you post responsibly without violating the above terms.

Our guidance in making comments

The IB Insider is invested in creating a valuable forum and a place for individuals to read and share their opinions. Below we have set out some suggestions as to how to write an effective comment that won’t be moderated:

• Stay on the main topic of discussion
• Avoid Caps Lock – it can look like you are shouting and sometimes have a negative impact on the way your comment is perceived
• Be open-minded about other people’s opinions and views – although you don’t have to agree with everyone, insulting or mocking their opinion is not acceptable
• Engage with other users appropriately – be respectful and polite to other users on the site
• Use the Like and Dislike features – this is a good way of communicating you agree or disagree without being argumentative
• Ask thoughtful questions
• Respond to Community Questions at the top of articles and IB Insider team comments
• Double check your message before you post it – you will be allowed to edit it for a short amount of time

In following these tips along with adhering to all of the Community Guidelines, it is very unlikely your comment will be moderated.

However, reporting comments that are not legitimate violations can impact how efficiently we are able to remove the actual violations. Disagreement with someone’s views is not a reason to report them.

Moderation

When we receive your complaint, we will evaluate it and decide on the most suitable action. Rest assured that all complaints will be checked promptly and professionally.

We may amend these Guidelines or any of our terms to ensure we remain compliant with relevant laws and regulations and that we are constantly improving your use of our services.