Terms of Service

Please read these Terms of Service ("Terms") carefully before using the Financial Times website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using Financial Times ("we," "us," or "our") services, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

2. Description of Services

Financial Times provides financial news, market data, economic analysis, and related content through our website and digital platforms. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice.

3. User Accounts

Account Creation

To access certain features, you may need to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms, fraudulent activity, or any other reason we deem appropriate.

4. Subscription and Payment Terms

Subscription Plans

We offer various subscription plans for premium content and services. By subscribing, you agree to pay the applicable fees and authorize us to charge your payment method.

Billing and Renewals

Subscriptions automatically renew at the end of each billing period unless canceled. You will be charged the then-current subscription rate. We will provide reasonable notice of any rate changes.

Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of the current billing period. We do not provide refunds for partial subscription periods except as required by law.

5. Intellectual Property Rights

Our Content

All content on Financial Times, including articles, data, graphics, logos, and software, is owned by or licensed to us and protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify, create derivative works, or reverse engineer our services
• Use automated systems to access or scrape our content
• Remove copyright notices or proprietary markings
• Use our content for commercial purposes without authorization

6. User Conduct

You agree not to use our services to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights of others
• Transmit harmful code, viruses, or malware
• Harass, abuse, or harm other users
• Impersonate any person or entity
• Interfere with the proper functioning of our services
• Collect or harvest user information without consent
• Engage in fraudulent or deceptive practices

7. Third-Party Content and Links

Our services may contain links to third-party websites and content. We do not endorse or assume responsibility for third-party content, products, or services. Your interactions with third parties are solely between you and the third party.

8. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free operation
• Security of data transmission

Financial information and market data are provided for informational purposes only and should not be considered investment advice. You are solely responsible for your investment decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCIAL TIMES AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from use or inability to use our services
• Damages arising from third-party content or services

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless Financial Times and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of applicable laws or regulations

11. Dispute Resolution

Governing Law

These Terms are governed by the laws of [Jurisdiction], without regard to conflict of law principles.

Arbitration

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with [Arbitration Rules]. You waive your right to participate in class actions or class arbitrations.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.

13. General Provisions

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms without restriction.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Financial Times.

14. Contact Information

If you have questions about these Terms, please contact us at:

Financial Times
Legal Department
Email: [email protected]
Address: [Corporate Address]
Phone: +1 (555) 123-4567

These terms of service are provided for informational purposes as part of a demonstration website. This is not a real legal agreement.