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1. Introduction

Please read this carefully because it sets out the terms of a legally binding agreement between you and the Financial Times..

The following General Financial Times Newspaper Subscription Terms and Conditions (the “General Terms”) together with the specific terms and conditions of your Newspaper subscription offer as set out on the applicable website sign-up pages, hard copy subscription offer page (such as a leaflet, brochure or advertising collateral) or otherwise advised to you during the sign up process (the “Specific Terms”) form a legally binding agreement between you and the Financial Times (“Agreement”). If there is any inconsistency between the General Terms and the Specific Terms, the Specific Terms will prevail to the extent of any inconsistency.

This Agreement sets out the terms on which you may subscribe to receive the Financial Times newspaper (”Subscription”). If you acquire your Subscription in the course of your business or work, you are also agreeing to this Agreement on behalf of that business. There are a limited number of countries where the Subscription process may differ from that described in this Agreement. Please check Section 8 below to see if you are resident of one of these countries and for further details.

In certain countries we also offer a bundled subscription which allows you to purchase a FT.com subscription together with a newspaper Subscription (what we call a “Bundled Subscription”). The FT.com terms and conditions of use shall apply to your subscription to FT.com. FT.com subscriptions purchased together with a newspaper subscription as a Bundled Subscription are intended for use by the newspaper reader and may not be shared, transferred or resold.

By agreeing to purchase a Subscription you are agreeing to the terms and conditions of this Agreement. If you do not agree with the terms and conditions of this Agreement (or are not authorised to do so on behalf of your business or work) you should not take out a Subscription. If you have any queries regarding the terms and conditions of this Agreement or any other element of the Subscription process then please contact us (see section 6 for contact details). We recommend that you print a copy of this Agreement for your records.

These terms and conditions were last updated on 18th September 2012 and replace all previous terms and conditions for Subscriptions. FT may update these terms and conditions for legal or regulatory reasons, or to reflect changes in our services or business practices. We will provide notice of such changes in Section 9 below and any changes will become effective from the date of your next payment following the change unless we notify you otherwise.

References in these terms and conditions to “FT” (or “we”, “us” or “our”) refer to one of:

• F.T. Publications, Inc, whose principal place of business is at 1330 Avenue of the Americas, New York, New York, 10019, USA (if you are resident in the Americas);

• The Financial Times (Japan) Limited, whose principal place of business is at NBF Hibiya Buildiing 21/f, 1-1-7 Uchisaiwaicho, Chiyoda-ku, Tokyo 100-0011, Japan (if you are resident in Japan or South Korea);

• Pearson (Singapore) Pte Limited, whose principal place of business is at 72 Circular Road, #03-01 Singapore 049426 (if you are resident in Singapore);

• The Financial Times (H.K.) Limited, whose principal place of business is at, The Center, 59th Floor, 99 Queens Road, Central, Hong Kong (if you are a resident of any Asian country other than Japan, South Korea or Singapore, or a resident of Oceania); or

• The Financial Times Limited, a company with registered no. 227590 whose registered office is at Number One Southwark Bridge, London SE1 9HL, UK (if you are a resident of any country which is not mentioned above).

The terms and conditions of this Agreement apply for the benefit of any or all of the above entities who may rely on them and/or enforce them in their own right.

2. Privacy Policy and Registration

All information provided by you in order to purchase a Subscription will be used by FT in accordance with our Privacy Policy. Please read this for details of how we may process your personal data.

You must provide FT with accurate, complete registration information (including but not limited to name, delivery and billing address and direct debit/bank account or credit card details). You may also be required to provide your email address to receive service messages relating to deliveries or if you wish to receive the ePaper electronic edition. It is your responsibility to update and advise us of all changes to that information. FT is entitled to rely on all information you provide to us.

3. Subscriptions

Contract formation: By submitting your payment and other Subscription details, you are making an offer to us to buy a Subscription. A contract is formed when we have accepted your offer, at which point we will provide the Subscription to you. FT reserves the right to reject any offer in its discretion, for any or no reason, and we will refund you the Subscription fees paid.

General: If you purchase a Subscription the Newspaper will be delivered to an address of your choice or you may be sent vouchers to redeem at your local newsagency (this choice is only available if you reside in the UK). In certain countries, cities or regions, Subscriptions are not available at all. These countries or regions will be specified on our sign-up pages or otherwise during the sign-up process. Please contact us if you require further information.

If you reside in the UK and you elect to receive vouchers, FT will send you voucher packs that you can redeem at your local newsagency. We recommend that you ask your newsagent to reserve you a copy of the Newspaper every day or to deliver the Newspaper to your door (which may be subject to availability and to separate charges by your newsagent). FT is not responsible for any relationship you may have with your newsagent or for any failure by your newsagent to provide you with a copy of the Newspaper. Vouchers are day dated and must be redeemed on the date of issue, otherwise they will expire. Vouchers may not be copied, resold or transferred to anyone else and are only valid in the country which you reside in. Partially used voucher packs may not be returned and exchanged for replacement voucher packs or contract extension.

Your Newspaper may be delivered directly to an address of your choice as specified by you, as long as it is within our delivery areas, which will be specified to you on our sign-up pages or otherwise during the sign-up process. Once your application to subscribe has been accepted, FT will aim to commence delivery of the Newspaper to you in no longer than 7-10 working days. Any failure to commence delivery within the foregoing timescales will not constitute a breach of this Agreement. Once delivery has commenced, the Newspaper will be delivered at the frequency and at the delivery address(es) specified when your order was confirmed. If your address is outside of our delivery areas, we will deliver your Newspaper to your specified address by post, and such delivery will be subject to normal postal delays.

We may use third parties to assist us in the provision of the Subscription services to you.

Subscriptions are generally non-transferable and cannot be resold by you. However, if you decide to cancel your Subscription you may be able to transfer it to another person. If you wish to do so please contact us. Your Subscription period will be annual, unless another Subscription period is made available to you (which will be stated in the Specific Terms or on our sign-up pages or otherwise made clear during the sign-up process). For example, we may offer quarterly, half yearly or 24 month Subscriptions.

Trials, “Risk Free Trials” or Discount Offers: We may from time to time and at our discretion make Subscription trials available to new subscribers (which may be free trials or discounted trials (for example, pay £1 for the first month’s Subscription)) in which case we will only charge you for your full Subscription fees with effect from the expiry of the trial period. No more than one trial per subscriber or at a single household is allowed in any twelve month period.

Pricing and Payment: The Subscription fees will be made clear to you on our sign-up pages or otherwise during the sign-up process. The Subscription fees may vary from time to time and by country or by state, district or region. You agree to pay the fees at the rates and frequencies notified to you at the time you take out your Subscription. FT will charge you in British Pounds Sterling, United States Dollars, Euros, or such other currency stated during the sign-up process depending on the service and your country of residence. You may also have to pay any applicable local taxes. Eligibility for any discounts is ascertained at the time you subscribe and cannot be changed during the term of your Subscription. We will always tell 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.

When you subscribe you must provide us with complete and accurate payment information. Where applicable, you may pay online by credit card, direct debit or in some cases offline by credit card, cheque or bank transfer, or by other methods that we may make available. By submitting payment details you promise that you are entitled to purchase a Subscription using those payment details. If we do not receive payment authorization or any authorization is subsequently cancelled, we may immediately terminate or suspend your Subscription and may in suspicious circumstances contact the issuing bank/payment provider and/or law enforcement authorities/other appropriate third parties. If you are entitled to a refund under this Agreement we will credit that refund to the card, bank account or other payment method you used to submit payment, unless it has expired in which case we will contact you. In no event shall FT be responsible for lost orders or payments. In the case of unauthorised payments FT reserves the right to suspend or terminate your Subscription. FT reserves the right to cooperate with the relevant authorities in the event that FT, at its sole discretion, suspects that any payment is fraudulent or otherwise unlawful.

Pricing errors: If we incorrectly state a price to you whether online or otherwise, we are not obliged to provide you with a Subscription at that price, even if we have mistakenly accepted your offer to buy a Subscription at that price, and reserve the right to subsequently notify you of any pricing error. If we do this, you may cancel the Subscription without any obligation to us and we will refund you any money you have paid us in full or you may pay the correct price. If you refuse to exercise either of these choices then we may cancel your Subscription and will refund you any money you have paid us in full. We will always act in good faith in determining whether a genuine pricing error has occurred.

Cancellations/Suspension: Although you may notify us of your intention to cancel your Subscription at any time (in which case we will cease delivering the Newspaper or vouchers to you), we will not, to the extent permitted by law, provide you with a refund once we have started providing any part of your Subscription to you, except in the very limited circumstances which are referred to in this Agreement.

You may temporarily suspend your Subscription for maximum periods of 90 consecutive days at any time. UK voucher subscriptions cannot be suspended. If you suspend your Subscription, please note that your Subscription will only be credited (which may be either a reduction off your next payment amount or an extension, depending on your type of Subscription and geographical location) for up to 12 issues for 1 year Subscription contracts (and the 12 issues credit will be pro-rated for Subscription contracts that are more or less than 1 year). We cannot otherwise extend or credit your Subscription, nor grant you a refund, for the period of time that your Subscription was suspended for. If you wish to suspend your Subscription, you should provide at least 3 business days advance notice. Certain regional Subscription websites offer the facility to suspend delivery online. For the UK the website is www.ft.com/Account; for Continental Europe, the website is www.financialtimes.net/mma; for Asia, the website is www.ftasia.net/mma; and for the US, the website is www.ftnewspaper.com/mma.

You may also cancel or suspend your Subscription by contacting our Customer Services teams. If you are in the UK please call + 44 (0)207 775 6248 or email subscriptions@ft.com; for Europe, call +44 (0)207 7756000 or email fte.subs@ft.com; for the US and Canada call +1 800 628 8088 or email uscirculation@ft.com; and for Asia (with the exception of Japan and Korea where you should call +813 3581 1422) call +852 2905 5555 or email subseasia@ft.com. Cancellations and suspensions will only be effective once FT receives notice of them.

Renewals: If you have chosen to pay through a continuous billing method such as credit card continuous service or direct debit, then unless you notify us before the end of your Subscription period that you no longer wish to receive your Subscription, your Subscription will renew for another period. We will charge for the Subscription using the same card or other payment method that you previously used. We will notify you in advance of any changes to the price in your Subscription that will apply upon renewal.

For all other Subscriptions, we will send you an email or notice letting you know when your annual Subscription is close to ending (unless you have already told us that you wish to cancel your Subscription). We will also ask you whether you would like to renew your Subscription. If you fail to respond to these notices or you fail to pay your renewal invoice, your Subscription will expire on its end date.

Moving house: If you are moving house, then we may be able to transfer your newspaper or voucher delivery to your new address, provided that you advise us of your change of address. However if you are moving country, depending on which country you are moving to, we may have to cancel your Subscription, provide you with a pro rata refund for your Subscription and set up a new Subscription at the new address, to be paid for separately. If we are unable to provide you with newspaper delivery to your new address, we may contact you to offer alternative products or services or provide you with a pro rata refund for your Subscription.

Cancellations by us: FT reserves the right to suspend or terminate your Subscription if you breach this Agreement, with or without notice and without further obligation to you. You will not be entitled to any refund in these circumstances. If however we terminate or suspend your Subscription for any other reason and/or permanently cease publishing the Newspaper or cease to provide Subscription services then, unless there are exceptional circumstances, we will provide you with a pro rata refund to your credit card or bank account, which means that we will refund you with any amounts that you have paid us in advance that relate to any remaining and unexpired period of your Subscription and that shall be our only responsibility to you in respect of such termination.

4. Our responsibilities to you

A summary of what this section means: This section is important and you should read it carefully. It makes clear to what extent, if any, FT accepts responsibility (liability) to you for your use of the Subscription. We limit our financial responsibility to you arising from your use of the Subscription to the price you paid for it. Although this means that we accept very little in the way of financial responsibility for your use of the Subscription, we think this is fair on the basis that you can view a limited number of articles we publish in the Newspaper on our website (www.ft.com) free-of-charge and the cost of acquiring a Subscription is relatively inexpensive. It is not commercially possible for us to accept more responsibility for your use of the Subscription than set out in this Section 4 taking into account that you can acquire a Subscription for a relatively inexpensive cost.

Limitations of FT Content: The content in the Newspaper is only for your general information and entertainment purposes and is not intended to address your particular requirements. In particular, it does not constitute any form of advice, recommendation, representation, endorsement or arrangement by FT. It is not intended to be and should not be relied upon by Subscribers in making (or refraining from making) any specific investment, purchase sale or other decisions. Appropriate independent advice should be obtained before making any such decision, such as from a qualified financial adviser.

What we promise: FT WILL TRY TO PROVIDE THE SUBSCRIPTION SERVICES TO YOU WITH REASONABLE SKILL AND CARE AND WILL USE REASONABLE EFFORTS TO PROMPTLY REMEDY ANY FAULTS OF WHICH IT IS AWARE. THIS IS THE ONLY PROMISE WE MAKE IN RELATION TO OUR PROVISION OF THE SUBSCRIPTION SERVICES AND THE FINANCIAL TIMES NEWSPAPER.

What we do not promise: THE SUBSCRIPTION SERVICES AND THE NEWSPAPER ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THIS MEANS THAT FT DOES NOT MAKE ANY PROMISES IN RESPECT OF THE SUBSCRIPTION SERVICES AND THE NEWSPAPER OR OF THE QUALITY, COMPLETENESS OR ACCURACY OF THE SUBSCRIPTION SERVICES OR THE NEWSPAPER. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, FT DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, CONDITIONS AND DUTIES (EXCEPT ANY DUTIES OF GOOD FAITH) OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY OR OF FITNESS FOR A PARTICULAR PURPOSE.

WITHOUT LIMITING THE ABOVE, FT IS NOT LIABLE FOR MATTERS BEYOND ITS REASONABLE CONTROL. FT DOES NOT CONTROL ACTS OF GOD OR THE ACTS OF THIRD PARTIES.

Our financial responsibility to you: YOU AGREE THAT IF WE ARE IN BREACH OF THIS AGREEMENT, WE WILL ONLY BE RESPONSIBLE TO YOU FOR ANY DAMAGES THAT YOU INCUR ARISING OUT OF YOUR USE OF THE SUBSCRIPTION SERVICES (TO THE EXTENT THAT FT’S LIABILITY IS NOT OTHERWISE EXCLUDED BY THIS SECTION 4) AS FOLLOWS:

• IF YOU INCUR ANY LOSS AS A RESULT OF USING THE SUBSCRIPTION SERVICES OUTSIDE THE SCOPE OF THIS AGREEMENT, FT ACCEPTS NO RESPONSIBILITY (LIABILITY) TO YOU FOR THIS.

• FT ACCEPTS RESPONSIBILITY (LIABILITY) TO YOU FOR ANY DIRECT DAMAGES YOU ACTUALLY INCUR ARISING OUT OF YOUR USE OF THE SUBSCRIPTION SERVICES IN ACCORDANCE WITH THIS AGREEMENT, SUBJECT TO A LIMIT EQUAL TO THE PRICE PAID BY YOU TO FT FOR YOUR SUBSCRIPTION DURING THE YEAR IN WHICH YOU INCUR THE DAMAGE. YOU MAY AT YOUR OPTION RECEIVE A RENEWAL TO YOUR SUBSCRIPTION FREE-OF-CHARGE AT THE POINT OF RENEWAL, IN PLACE OF MONETARY DAMAGES.

THE LIMITATIONS OF LIABILITY IN THIS SECTION 4 APPLY FOR THE BENEFIT OF FT, ITS AFFILIATES, INCLUDING THOSE LISTED IN SECTION 1 AND ALL OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS.

TO THE FULL EXTENT PERMITTED BY LAW YOU ACKNOWLEDGE AND AGREE THAT ANY THIRD PARTY WHOSE CONTENT IS PUBLISHED IN THE NEWSPAPER HAS NO LIABILITY WHATSOEVER TO YOU IN RESPECT OF THEIR CONTENT OR DATA AS PUBLISHED IN THE NEWSPAPER. YOU ALSO AGREE TO WAIVE, TO THE FULL EXTENT PERMITTED BY LAW, ANY RIGHT YOU MAY HAVE TO BRING A LEGAL CLAIM AGAINST SUCH THIRD PARTIES ARISING FROM YOUR USE OF THEIR CONTENT OR DATA.

Notwithstanding anything else in this Section 4, FT’s liability will not be limited in the case of death or personal injury directly caused by FT’s negligence in those countries where it is unlawful for FT to seek to exclude such liability.

5. Choice of law and jurisdiction

If you are a subscriber whose principal address or principal use of the Subscription occurs in any jurisdiction other than the United States then this Agreement will be subject to English law. In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the courts of England will (subject to the final paragraph in this Section 5) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with this Agreement.

If you are a subscriber whose principal address or principal use of the Subscription occurs in the United States then this Agreement will be subject to the laws of the State of New York. In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the courts of the State of New York will (subject to the final paragraph in this Section 5) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with this Agreement.

For the exclusive benefit of FT and to the extent possible in the applicable jurisdiction, FT will retain the right to bring or enforce proceedings as to the substance of the matter in the courts of the country of your residence or, where this Agreement is entered into in the course of your trade or profession, the country of the place of business in which you agreed to this Agreement or (if different) the country of your principal place of business.

6. Contact us

You may contact us by email, telephone or letter. Our contact details are as follows:

Residents of Europe:
Email: fte.subs@ft.com; Tel +44 (0)20 7775 6000; write to The Financial Times Limited at the address given in Section 1 above.

Residents of the UK:
Email: subscriptions@ft.com; Tel +44 (0)207 775 6248; write to The Financial Times Limited at the address given in Section 1 above.

Residents of the Americas:
Email: uscirculation@ft.com; Tel: 1-800-628-8088 (US and Canada only); write to: Financial Times Customer Service, PO Box 1329, Newburgh, NY, 12551-1329, USA.

Residents of Japan and South Korea:
Email: subseasia@ft.com; Tel +81 3 3581 1422 or from within Japan call toll-free on 01240 341 468; write to The Financial Times (Japan) Limited at the address given in Section 1 above.

Residents of Singapore:
Email: subseasia@ft.com; Tel +65 6236 9500; write to The Financial Times (Singapore) Pte Limited at the address given in Section 1 above.

Residents of Asian countries and Oceania:(excluding Japan and South Korea)
Email: subseasia@ft.com; Tel +852 2905 5555; write to The Financial Times (H.K.) Limited at the address given in Section 1 above.

Residents in rest of associated regions:
Email: fte.subs@ft.com; Tel +44 (0)20 7775 6000; write to The Financial Times Limited at the address given in Section 1 above.

7. General

All content published in the Newspaper belongs to FT or its licensors who own all intellectual property rights (including copyright and database rights) in that content and any selection or arrangement of it. No intellectual property rights in that content are transferred to you. “FT” and “Financial Times” are registered trade marks and you may not use them without written permission from FT. You may not copy, publish, republish, archive, store, create derivative works of, redistribute or disseminate to third parties any content from the Newspaper (although you may photocopy and scan copies of articles if you have a licence from The Newspaper Licensing Agency). Any third party advertising or sponsorship in the Newspaper is the responsibility of the relevant third party and FT is not responsible for it.

You may not license or transfer any of your rights under this Agreement. We may transfer any of our rights or obligations under this Agreement to any company within the Financial Times group of companies but if we do so we will ensure that any company to whom we transfer our rights or obligations will continue to honour your rights under them.

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of this Agreement, which will remain in full force and effect.

Failure by either party to exercise any right or remedy under this Agreement does not constitute a waiver of that right or remedy. Headings in this Agreement are for convenience only and will have no legal meaning or effect.

8. Residents of certain countries

If you are resident in one of the countries listed at the end of this Section, not all of the services generally available described in this Agreement will be available to you. In particular, you will have to contact our delivery agents directly to set-up your Subscription and/or pay and contract with our delivery agent directly. In such cases, you will be provided with details of how to subscribe and manage your Subscription. This Agreement will still apply to you to the extent that it is applicable. If you have any questions please contact us.

If your country is in the list below, your order may be forwarded to one of our delivery agents or newsstand distributors, who you will be required to pay your Subscription fees to. This Agreement will still apply to you to the extent that it is applicable, but please note that our delivery agent’s terms and conditions will also apply to the provision of your Subscription services and payment obligations.

Bahrain, Kuwait, Qatar, Saudi Arabia, UAE, Cyprus, Greece, Turkey, Malta, Nigeria, South Africa, Argentina, Bahamas, Bermuda, Brazil, Cayman Islands, Costa Rica, Jamaica, Panama, Peru.

Please note that the list of countries above is subject to change at any time.

We are not able to offer Subscriptions in all countries. If you would like to find out whether we are able to deliver to your country and city, region or state, please contact us using the details set out in Section 6 above, or visit one of our Subscription websites.

9. Changes to this Agreement

These terms and conditions were first published on the date referred to at the top and have not been amended or replaced since that date.