The greatest care has been taken in compiling this website. However, no responsibility can be accepted by Richtopia Ltd, the publishers or compilers for the accuracy of the information presented.
Richtopia.com contains many opinions and is designed to provide accurate and authoritative information. It is presented with the understanding that the writers, the publisher and Richtopia Ltd are not engaged in rendering legal, accounting, investment-planning, or other professional advice. The reader should seek the services of a qualified professional for such advice; the author, the publisher and Richtopia Ltd cannot be held responsible for any loss incurred as a result of specific investments or planning decisions made by readers.
Where opinion is expressed it is that of the writer/editor/contributor and does not necessarily coincide with the editorial views of Richtopia Ltd.
By accessing the website at www.Richtopia.com (“the Site”) or by otherwise accessing any content found on the Site or by using any digital application edition of Richtopia newspaper or other digital application published by Richtopia, you are entering into an agreement with Richtopia and agree to the terms that follow (the “Terms”). The Site is owned and operated by Richtopia.
These Terms were last updated on 10th June 2016.
The contents and design of the Site, any Digital Application and any material e-mailed to you or otherwise supplied to you in conjunction with the Site and/or a Digital Application (such contents, design and materials being collectively referred to as the “Richtopia Content”), is copyright of The Richtopia and its licensors. You may not use or reproduce or allow anyone to use or reproduce any trade marks (such as “The Richtopia” name and logo or other trade names appearing on the Site or any Digital Application) for any reason without written permission from The Richtopia. The software that operates the Site and all Digital Applications is proprietary software and you may not use it except as expressly allowed under these Terms. You may not copy, reverse engineer, modify or otherwise deal with the software.
Use of Richtopia Content
All Richtopia content is strictly for personal, non-commercial use only.
You may retrieve and display Richtopia Content from the Site on a computer screen or mobile device, print individual pages on paper (but not photocopy them) and store such pages in electronic form on your computer or mobile device for your personal, non-commercial use. You may use Digital Applications only on devices for which they were intended, for your personal, non-commercial use and on no more than five separate devices. Except as expressly permitted above, you may not reproduce, modify or in any way commercially exploit any Richtopia Content. In particular, but without limiting the general application of the restrictions in the previous sentence, you may not do any of the following without prior written permission from The Richtopia:
- reproduce or store in or transmit to any other website, newsgroup, mailing list, electronic bulletin board, server or other storage device connected to a network or regularly or systematically store in electronic or print form, all or any part of the Richtopia Content; or
- modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, or in any way exploit all or any part of the Richtopia Content (including as part of any library, archive or similar service) without the prior written consent of The Richtopia; or
- remove the copyright or trade mark notice from any copies of Richtopia Content made under these Terms.
Any use of Richtopia Content not specifically permitted above is expressly prohibited. Requests for permission for other uses may be sent to the Rights and Syndication department, 111A George Lane, London, E18 1AN and may be subject to a fee.
Registration, Passwords and Responsibilities
You are responsible for keeping your information and passwords up to date and confidential.
Certain areas or features of the Site and/or Digital Applications may only be open to registered users. You are solely responsible for the confidentiality and use of and access to Richtopia Content and the Site and/or Digital Applications using your user name and/or password. You agree to immediately notify Richtopia if you become aware of the loss, theft or unauthorised use of any password, user ID or e-mail address or of any Richtopia Content. You will provide Richtopia with accurate, complete registration information and inform Richtopia of any changes to such information. For the purpose of confirming your compliance with these Terms, Richtopia reserves the right to monitor and record activity on the Site and Digital Applications, including access to Richtopia Content.
Each registration and subscription is for the personal use of the registered user or subscriber only. You may not share your log-in details or password with any other person. You may not share or transfer your subscription. Richtopia does not allow multiple users (networked or otherwise) to access the Site and/or any Digital Application through a single name and password and may cancel or suspend your access to the Site and/or a Digital Application if you do this, or breach any of these Terms without further obligation to you.
Subscription and Cancellation
The Richtopia offers different types of subscriptions (“Subscriptions”) including, for example, subscriptions to print issues of The Richtopia (“Print Subscriptions”), access to Digital Applications and the Site (“Digital Subscriptions”) and print and digital bundles.Richtopia reserves the right to vary the amount of content and types of service that it makes available to different categories of users at any time.
Digital Subscriptions to customers in Relevant Countries are supplied by EDSL and EDSL sets the general terms and conditions for such supply. ENL supplies and sets the general terms and conditions that apply to all other Digital Subscriptions, and all Print Subscriptions. The Relevant Countries are Norway, Switzerland and all countries in the European Union from time to time.
Richtopia will try to process your Subscription promptly but does not guarantee that your Subscription will be activated by any specified time. By submitting your payment and other subscription details, you are making an offer to us to buy a Subscription. Your offer will only be accepted by us and a contract formed when we have successfully verified your payment and contact details, at which point we will provide you (or, in the case of a gift Subscription, the recipient of the gift) with access to the Subscription. You will receive written confirmation when your Subscription offer has been accepted (beginning the fulfilment of a Subscription does not signify acceptance).
Unless specifically stated in any Subscription offer when you place your Subscription order with us, you agree that your Subscription will, at the end of the initial subscription period (and of each renewal period thereafter), renew for the same subscription period at the renewal rate agreed at the point of order. You may cancel your Subscription at any time as set out below.
You have the right to cancel your Subscription at any time. Please note that if your Subscription includes a digital element, by placing your order you agree that we may start your Digital Subscription immediately and you acknowledge that you will lose your right to a refund in relation to any issues that have been published before you cancelled.
If you exercise your right to cancel we will reimburse all payments received from you, less a pro-rated amount for each issue delivered (if your Subscription contains a print element) or published (if your Subscription is a Digital Subscription only) before you cancelled.
In this section references to “published” includes publication on the Site, any Digital Application and/or otherwise made available digitally to customers.
If applicable, any reimbursement will be settled as described in the “Fees and Payments” section below.
How to cancel
You may notify us of your wish to cancel your subscription by contacting our customer service centre for your region. Details can be found on our customer service page. If you prefer, you may, but are not obliged to, complete the form below and send it to us by e-mail to the relevant customer service address for your region.
- To: Richtopia Ltd
- Tel no: [insert tel no if applicable]
- I/we hereby give notice that I/we cancel my/our Subscription contract
- Purchased on: [insert date of Subscription]
- Customer Reference Number: [insert relevant Customer reference number]
- Your name (or the customer’s name if different):
- Your address (or the customer’s address if different):
Richtopia shall provide your Subscription in accordance with these Terms (and the terms of any offer or promotion that may apply to your Subscription). As further detailed above you have legal rights with regards to your subscription including the right to cancel. Should you have any queries please contact our customer service centrefor your region.
Fees and Payments
You are responsible for any fees that are payable.
The price to be paid for your Subscription will be made clear to you on the Subscription order pages or otherwise during the order process and may vary from time to time. You agree to pay the fees at the rates notified to you at the time you purchase your Subscription. Eligibility for any discounts is ascertained at the time you subscribe and cannot be changed during the term of your Subscription. We will always inform you in advance of any increase in the price of your Subscription and offer you an opportunity to cancel it if you do not wish to pay the new price.
As well as Subscriptions, access to some Richtopia Content may be subject to a fee. All payments (including any applicable taxes) must be made in advance in US Dollars or other currency specified by Richtopia. You are responsible for the payment of all charges associated with the use, by you or someone else, of the Site and/or a Digital Application using your ID.
When you purchase a Subscription or access to any other Richtopia Content, you must provide us with complete and accurate payment information. By submitting payment details you confirm that you are entitled to use those payment details for this purpose. If we do not receive payment authorisation or any authorisation is subsequently cancelled, we may immediately terminate or suspend your access to your Subscription or Richtopia Content and in suspicious circumstances we may contact the issuing bank/payment provider and/or law enforcement authorities or other appropriate third parties.
If your use of the Site or any Subscription is terminated by Richtopia, you will be entitled to receive a refund of any credits or pre-payments which remain unused at the time of termination unless such use is terminated because you are in breach of these Terms (which will be determined solely by Richtopia). You will continue to be responsible for any fees or other charges you have incurred prior to such termination.
You may be able to use the Site to purchase products or services from The Richtopia’s third party partners. In that event, your contract for such products will be with the third party partner and not with Richtopia.
If you are entitled to a refund under these Terms, refunds can only be made to the credit/debit/charge card that was used for the original purchase, unless it has expired in which case we will contact you.
You are responsible for all content you post.
The Site and any Digital Applications may include comments capability, bulletin boards, discussion groups and other public areas or features that allow feedback to The Richtopia and interaction between users and Richtopia representatives (“Forums”). While Richtopia does not control the information/materials posted to Forums by users (the “Messages”), it reserves the right (which it may exercise at its sole discretion without notice) to delete, move or edit the Messages and to terminate your access to and use of the Forums.
You are solely responsible for the content of your Messages. You must comply with any rules posted by Richtopia on a Forum. You may not:
- Post, link to or otherwise publish any Messages containing material that is obscene, racist, homophobic or sexist or that contains any form of hate speech;
- Post, link to or otherwise publish any Messages that infringe copyright;
- Post, link to or otherwise publish any Messages that are illegal, libellous, defamatory or may prejudice ongoing legal proceedings or breach a court injunction or other order;
- Post, link to or otherwise publish any Messages that are abusive, threatening or make any form of personal attack on another user or an employee of Richtopia;
- Post Messages in any language other than English;
- Post the same Message, or a very similar Message, repeatedly;
- Post or otherwise publish any Messages unrelated to the Forum or the Forum’s topic;
- Post, link to or otherwise publish any Messages containing any form of advertising or promotion for goods and services or any chain Messages or “spam”;
- Post, link to or otherwise publish any Messages with recommendations to buy or refrain from buying a particular security or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any security;
- Disguise the origin of any Messages;
- Impersonate any person or entity (including Richtopia employees or Forum guests or hosts) or misrepresent any affiliation with any person or entity;
- Post or transmit any Messages that contain software viruses, files or code designed to interrupt, destroy or limit the functionality of the Site or any computer software or equipment, or any other harmful component;
- Collect or store other users’ personal data; and/or
- Restrict or inhibit any other user from using the Forums.
By submitting Messages to any Forum you agree to indemnify and hold harmless Richtopia from all claims, costs and expenses (including legal expenses) arising out of any Messages posted or published by you that are in breach of this section.
Richtopia has no control over individuals posting Messages on any Forum. Richtopia cannot guarantee the accuracy, integrity or quality of any Messages. Some users may breach these terms and post Messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Forum and should not rely on Messages when you make (or refrain from making) any specific investment or other decision.
By submitting a Message to a Forum you are granting Richtopia a perpetual, irrevocable, royalty free non-exclusive licence to reproduce, modify, translate, make available, distribute and sub-license the Message in whole or in part, and in any form. This may include personal information such as your user or pen name and your expressions of opinion. Richtopia reserves the right to contact you by e-mail about your use of the Forums. You waive any moral rights that you may have in regard to the Messages you submit.
It is not possible for Richtopia to fully and effectively monitor Messages infringement of third-party rights. If you believe that any content infringes your legal rights, you should notify Richtopia immediately by contacting our customer service centre for your region or by using the “Report Abuse” function on reader comments. Repeated misuse of the “Report Abuse” function will result in your access to the Forums being terminated.
Richtopia respects your privacy.
Changes to the Site and Digital Applications
Richtopia reserves the right, in its discretion and at any time, to suspend, change, modify, add or remove portions of Richtopia Content available on the Site and/or on a Digital Application at any time and to restrict the use and accessibility of the Site and its Digital Applications.
Richtopia allows Subscriptions to be purchased as gifts. The person responsible for payments and fees is the person who initially purchased the gift Subscription and only that person may receive any refunds or other payments that may be due in respect of the gift Subscription. Apart from that, these Terms will apply to the beneficiary of any gift Subscription, who may therefore use the Site and access any Richtopia Content only in accordance with these Terms, and all references to “your” or “you” (other than in relation to renewal, payment, fees, refunds and cancellations) shall be read as references to the beneficiary of the gift Subscription.
Liability and Indemnity
All Richtopia Content and services are provided ‘as is’. You indemnify us for breaches of these Terms.
Although we endeavour to ensure the high quality and accuracy of the Site and Digital Applications, Richtopia makes no warranty, express or implied concerning Richtopia Content, any Digital Application, the Site or any software that are made available through the Site (the ” Services”), which are provided “as is”. Richtopia expressly disclaims all warranties, including but not limited to warranties of fitness for a particular purpose and warranties of merchantability. In no event will Richtopia, its affiliates, agents, suppliers or licencors be liable for indirect, special, incidental, and/or consequential damages (including, without limitation, damages for loss of business profits, business interruption, loss of business information or other pecuniary loss) that may arise directly or indirectly from the use of (or failure to use) or reliance on the Services, even if Richtopia has been advised of the possibility that such damages may arise. Richtopia does not guarantee the accuracy, content, or timeliness of the Services or that they are free from viruses or other contaminating or destructive properties.
In no event will any liability of Richtopia or its affiliates, agents, suppliers and licensors to you (and/or any third party) that may arise out of any kind of legal claim (whether in contract, tort, or otherwise) in any way connected with the Services or in breach of these Terms by Richtopia exceed the amount, if any, paid by you to Richtopia for the particular Service to which the claim relates.
Upon Richtopia’s request, you agree to defend, indemnify and hold harmless Richtopia, its affiliates, agents, suppliers and licensors from any claims and expenses, including reasonable legal fees, related to any breach of these Terms by you or your use of any Services.
Richtopia will not be held responsible for circumstances beyond its control.
Richtopia, its affiliates and its information providers will not be liable or deemed to be in default for any delay or failure in performance or interruption of the delivery of the Richtopia Content that may result directly or indirectly from any cause or circumstance beyond its or their reasonable control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorised access, theft, operator errors, severe weather, earthquakes or natural disasters, strikes or other labour problems, wars, or governmental restrictions.
Additional Terms apply to your use of Richtopia Content.
Changes to these Terms. Richtopia may, in its discretion, change these Terms (including those that relate to your use of the Site, Digital Applications and/or Richtopia Content). Whenever the Terms are changed, Richtopia will notify you by e-mail or by publishing the revised terms on the website. If you use the Site and/or a Digital Application after Richtopia has published or notified you of the changes, you are agreeing to be bound by those changes. If you do not agree to be bound by those changes, you should not use the Site or a Digital Application any further after they are published. Access to certain Richtopia Content may be subject to additional terms and conditions.
Advertising, Third Party Content and other Web Sites. Parts of the Site and/or Digital Applications may contain advertising or other third party content. Advertisers and other content providers are responsible for ensuring that such material complies with international and national law. Richtopia is not responsible for any third party content or error, or for any omission or inaccuracy in any advertising material. The Site and/or Digital Applications may also contain links to other web sites. Richtopia is not responsible for the availability of these websites or their content.
Assignment of Agreement. This agreement is personal to you and your rights and obligations under these Terms may not be assigned, sub-licensed or otherwise transferred. This agreement may be assigned to a third party by Richtopia.
Non-Waiver. No delay or omission on the part of either party in requiring performance by the other party of its obligations will operate as a waiver of any right.
Notices. Notices to Richtopia must be given in writing, by letter, and sent to Richtopia, 111A George Lane, London, E18 1AN (for the attention of the Group General Counsel).
Severability/Survival/Statute of Limitations. If any provision of these Terms is invalid or unenforceable, such will not render all the Terms unenforceable or invalid. Rather, the Terms will then be read and construed as if the invalid or unenforceable provision(s) are not contained therein. Any cause of action of yours with respect to these Terms must be filed in a court of competent jurisdiction in London, England, within one year after the cause of action has arisen, or such cause will be barred, invalid and void.
Whole Agreement. Save as expressly referred to herein, any representation, warranty, term or condition not expressly set out in these Terms shall not apply.
Headings. Headings in these Terms are for convenience only and have no legal meaning or effect, nor shall they be taken into account in interpreting these Terms.
Term and Termination
Richtopia may terminate or suspend your access to Richtopia Content at any time.
Richtopia may, in its discretion, terminate or suspend your access to and/or use of all or part of the Site and/or a Digital Application (including any Richtopia Content) with or without cause by delivering notice to you.
These rights of termination are in addition to all other rights and remedies available to Richtopia under these Terms or by law.
Governing Law and Jurisdiction
These Terms shall be governed by, and construed in accordance with, English law. The parties irrevocably agree that the courts of England shall (subject to the paragraph below) have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms or the legal relationship established by them, and for those purposes irrevocably submit all disputes to the jurisdiction of the English courts.
For the exclusive benefit of Richtopia, Richtopia shall also retain the right to bring proceedings as to the substance of the matter in the courts of the country of your residence or, where these Terms are entered into in the course of your trade or profession, the country of your principal place of business.