Terms of use
Let’s ensure a secure and informed experience on Pensions Monitor.
- 1. Acceptance of terms
- 2. Services
- 3. Website operation
- 4. Transactions
- 5. Representations by you
- 6. Permitted use
- 7. Your account
- 8. No commercial use
- 9. Links and search results
- 10. Copyright and prohibited use
- 11. Intellectual property
- 12. Licenses granted by you
- 13. Disclaimer of warranty
- 14. Reliability of information
- 15. Advertisements
- 16. Removal of content
- 17. Severability
- 18. Violation of Term of use
- 19. Indemnity
- 20. Electronic consent
1. Acceptance of terms
Pensionsmonitor.com (the ‘Website’) is the property of Pensions Monitor Management Consulting LLC (‘PM’ or the ‘Company’ or ‘Us’ or ‘We’ or ‘Our’). The following are the terms that govern the use of the Website (“Terms of use”). By using the Website, you (the ‘User’) expressly agree to be bound by these Terms of use. The Company reserves the right to change these Terms of use at any time, effective immediately upon posting on the Website. If you violate these Terms of use, the Company may terminate your use of the Website and/or take appropriate legal action against you.
LIMITED LICENSE. You are granted a limited, non-exclusive, revocable and non-transferable license to utilize and access the Website pursuant to the requirements and restrictions of these Terms of use. The Company may change, suspend, or discontinue any aspect of the Website at any time. The Company may also, without notice or liability, impose limits on certain features and services or restrict your access to all or portions of the Website. You shall have no rights to the proprietary software and related documentation, if any, provided to you in order to access the Website. Except as provided in the Terms of use, you shall have no right to directly or indirectly, own, use, loan, sell, rent, lease, license, sublicense, assign, copy, translate, modify, adapt, improve, or create any new or derivative works from, or display, distribute, perform, or in any way exploit the Website, or any of its contents (including software) in whole or in part.
2. Services
The Website provides the user with access to a variety of resources, including news, reports, self-help tools, training courses and resources which may be self-developed or provided by other parties (collectively ‘Services’). The Company reserves the right to cancel user access to the Services for violation of any Terms of use stipulated herein, in its sole discretion.
The Company will not provide any services to individuals and companies owned or controlled by, or acting for or on behalf of, countries and individuals, groups and entities that would expose the Company to any sanction, prohibition or restriction under the trade or economic sanctions, laws or regulations of the UAE.
3. Website operation
This Website is domiciled and controlled from the United Arab Emirates (‘UAE’). The Company makes no representation that this Website is appropriate for use in other locations. If you use this Website from other locations, you are responsible for ensuring compliance with local laws. You may not use, export or re-export any materials from this Website in violation of any applicable laws or regulations, including, but not limited to any UAE export laws and regulations.
Applicable law
The Laws of UAE shall govern the use of the Website and the Terms of use, without regards to conflict of laws principals. All disputes arising in connection therewith shall be heard only by a court of competent jurisdiction in UAE.
4. Purchase transactions
Purchases: The Company accepts payment by Visa or Mastercard debit and credit cards in AED for its products and services.
Subscription policy: Subscription fees are non-refundable and non-cancellable once payment has been processed.
Payment confirmation: A payment confirmation email will be sent to the user’s registered email address following payment success.
Refunds: All refunds will be made onto the original mode of payment.
5. Representations by you
By visiting the Website, you represent, warrant and covenant that (a) you are at least 18 years old; (b) that all materials of any kind submitted by you to the Company through the Website or for inclusion on the Website will not plagiarize, violate or infringe upon the rights of any third-party including trade secret, copyright, trademark, trade dress, privacy, patent, or other personal or proprietary rights. Minors (under the age of 18) shall not register as a User of the Website and shall not transact on or use the Website.
6. Permitted use
You agree that you are only authorized to visit, view and to retain a copy of pages of this Website for your own personal use, that you shall not duplicate, download, publish, modify or otherwise distribute the material on this Website for any purpose other than for personal use, unless otherwise specifically authorized by the Company to do so. You also agree not to deep-link to the site for any purpose, unless specifically authorized by the Company to do so. The content and software on this Website is the property of the Company.
7. Your account
If you use this Website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account from any devices, and you agree to accept responsibility for all activities that occur under your account or password. The Website shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section.
8. No commercial use
This Website may not be used by you for any commercial purposes such as to conduct sales of merchandise or services of any kind. You must obtain the Company’s prior written consent to make commercial offers of any kind on the Website, whether by advertising, solicitations, links, or any other form of communication. The Company will investigate and take appropriate legal action against anyone who violates this provision, including without limitation, removing the offending communication from the Website and barring such violators from use of the Website.
9. Links and search results
The Website may display links to external websites that are independent from us and are made available to the user as a convenience. The Company has no control over these sites or the content within them. The Company does not guarantee, represent or warrant that the content contained in the sites is accurate, legal and/or inoffensive. The Company does not endorse the content of any third-party site, nor does it make any representation or warranty about these sites, including that they will not contain viruses or otherwise impact your computer. By using the Website to search for or link to another site, you agree and understand that you may not make any claim against the Company for any damages or losses, whatsoever, resulting from your use of the Website to obtain search results or to link to another site. If you have a problem with a link from the Website, you may notify us at info@pensionsmonitor.com.
Inbound hyperlinks to the Website or display of any material thereof, is not permitted without our prior written consent.
The Company endeavours to ensure that the Website does not contain or promulgate any viruses or other malicious code. It remains the responsibility of the user to scan all materials downloaded from the Website. The Company accepts no liability in connection with any damage or loss caused by computer viruses or other malicious code originating or contracted from the Website.
10. Copyright and prohibited use
You agree not to use this Website:
- to create a database (electronic or otherwise) that includes material downloaded or otherwise obtained from this Website otherwise than for your own personal records (and except where expressly permitted on the Website);
- to transmit or re-circulate any material obtained from this website to any third party except where expressly permitted on this Website;
- in such a way so as to remove the copyright or trade mark notice(s) from any copies of any material made in accordance with these terms;
- to disseminate any unsolicited or unauthorised advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation; or to disseminate any material that contains software viruses or any other computer code, files or programs designed to interrupt, damage, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.
Subject to this paragraph, all rights in material on this Website are owned and reserved to the Company.
The Company may terminate the privileges of any user who uses this Website to unlawfully to transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. If you submit information to this Website, you warrant that the information does not infringe the copyrights or other rights of third parties.
11. Intellectual property
Although the Company is not responsible for the content, quality or accuracy of data provided by third parties, compilations of such data, text, information and other materials are made available to users through this Website. Such material is the Company’s intellectual property, and are protected by international intellectual property laws. The material may not be copied or redistributed either in whole or in part without prior written consent of the Company, except as expressly and specifically permitted under these Terms of Use.
12. Licenses granted by you
By providing materials to the Company, including by submitting or uploading content or materials for use on this Website you represent and warrant that you or the owner of all rights to such content or materials has expressly granted the Company an irrevocable world-wide right in all languages and in perpetuity to use and exploit all or any part of the content and materials provided by you. The Company may publish and distribute any such submitted content or materials at its sole discretion by any method now existing or later developed. You agree that you shall waive all claims and have no recourse against the Company for any alleged or actual infringement or misappropriation of any proprietary rights in any communication, content or material submitted to the Company. Any communication or materials you send to the Company will be treated as non-confidential and non-proprietary and may be disseminated or used by the Company for any purpose, including, but not limited to, developing, creating, manufacturing or marketing products or services.
13. Disclaimer of warranty
The Company makes no warranty or representation of any kind, either express or implied, including but not limited to warranty of title or non-infringement or implied warranty of merchantability, fitness for a particular purpose, non-infringement or other violation of rights in relation to the availability, accuracy, validity, reliability or content of these pages and/or the site. The Company also does not make any representation or warranty regarding the accuracy or reliability of any advice, opinion, statement or other information that is submitted, displayed or uploaded through the site by any user. The company shall not be liable for any direct, indirect, incidental, special or consequential damages, lost profits or for business interruption arising out of the use of or inability to use this site, even if the company has been advised of the possibility of such damages.
Services provided by the Website are provided on an “AS IS” without warranty of any kind and no liability is accepted for service interruptions arising from internet facilities. The Website and/or its contractors may make improvements, modifications and/or changes to the Services at any time without notice.
14. Reliability of information
The Website screens all material published for legitimacy, accuracy and completeness, however information that is provided by third parties may not be verifiable by us. Where appropriate we will disclose the sources of information. The user is advised to verify any information that is sought or relied on. Observations, opinions and forecasts published on www.pensionsmonitor.com is not necessarily the views and opinions of the Company and is not intended to be a substitute for competent legal or financial advice. The Company makes no representation as to the accuracy of the information and assumes no liability for any damages or loss arising from the use thereof.
15. Advertisements
The Website may contain advertisements and/or sponsorships. The advertisers and/or sponsors that provide these advertisements and sponsorships are solely responsible for ensuring that the materials submitted for inclusion on the Website are accurate and comply with all applicable laws. The Company is not responsible for the acts or omissions of any advertiser or sponsor.
16. Removal of content
The Website reserves the right to refuse or remove any contribution (user submitted content or otherwise) on the Website at its sole discretion without the need to give any reasons for doing so to the user or any third party.
Users are welcome to object the publication of any material placed on our website by sending an appropriately worded email to info@pensionsmonitor.com and we will take whatever action we deem appropriate.
17. Severability
In the event that any term of these Terms of use is held to be invalid, void or unenforceable, the remainder of these Terms of use shall nevertheless continue in full force and effect.
Headings and section titles in this Terms of use are for convenience and do not define, limit, or extend any provision of this Terms of use.
18. Violation of Terms of use
You understand and agree that in the Company’s sole discretion, and without prior notice, the Company may terminate your access to the Website, or exercise any other remedy available and remove any unauthorized user information, if the Company believes that the information you provide has violated or is inconsistent with these Terms of use, or violates the rights of the Company, or any third party, or violates the law. You agree that monetary damages may not provide a sufficient remedy to the Company for violations of these Terms of Use and you consent to injunctive or other equitable relief for such violations. The Company may release user information about you if required by law or subpoena.
19. Indemnity
You agree to indemnify and hold the Company, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of or relating to your use of the Website, including also your use of the Website to provide a link to another site or to upload content or other information to the Website, or your breach of the Terms of use.
20. Electronic consent
The User hereby agrees to the use of an electronic record to document this acceptance of this Terms of use.