Terms and Conditions
newhorizon-islamicbanking.com is a Website owned and operated by the Institute of Islamic Banking and Insurance.
Use of this Website
Please read the following Website Terms and Conditions before accessing or using this Website. By using this Website, you are agreeing to these Terms and Conditions. If you do not accept these Terms and Conditions, please exit our Website immediately. If you purchase a subscription to newhorizon-islamicbanking.com online, or purchase one of our publications or register for an event, you will also be governed by the Terms and conditions relating to sales through this Website.
From time to time we may change these Terms and Conditions, and will post revisions on our Website. We recommend that you read these terms and conditions regularly. These Terms and Conditions replace all other Terms and Conditions previously applicable to our Website. You may not assign or transfer your rights under this Agreement. Failure by us to enforce a right does not result in a waiver of such right.
Any formal legal notices should be sent to us addressed to The Director General, Institute of Islamic Banking and Insurance at 7 Hampstead Gate 1A Frognal, London, NW3 6AL, United Kingdom UK.
We reserve the right to bar users from this Website, on a permanent or temporary basis at our discretion. Any such user shall be notified and must not then attempt to use this Website under any other name or through any other user.
These terms and conditions shall be governed and construed in accordance with the laws of England and Wales, whose courts shall have exclusive jurisdiction. If any provision of these Terms and Conditions is invalid or unenforceable, such will not render all the Terms and Conditions unenforceable or invalid but rather the Terms and Conditions will 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 and Conditions must be filed in a court of competent jurisdiction in London, England, within one year after the cause of action has risen, or such cause will be barred, invalid and void.
Save as expressly referred to herein, any representation, warranty, term or condition not expressly set out in these Terms and Conditions shall not apply.
Privacy and Data protection
We have the right (but not the obligation) to monitor use of our Website in order to verify compliance with these Terms and Conditions and/or any operating rules established by us and/or to satisfy any law, regulation or authorised government request.
Access to www.newhorizon-islamicbanking.com
We try to ensure but can not guarantee or accept liability for continuous availability of the Website or that it will be without interruptions or that transmissions will be error-free. However, we cannot, due to the nature of the internet, guarantee that your access will not be suspended or restricted from time to time due to maintenance, or the introduction of new facilities or services. We of course try to limit the frequency and duration of any suspension or restriction. Certain parts of this Website can be accessed for free and such access is at our discretion and may be changed without notice.
Copyright and Intellectual property rights
The content, layout, design, data and graphics on this Website are protected by UK and other international copyright laws, database rights and other intellectual property rights. Other than downloading a small proportion of content, strictly for your personal non-commercial use, or where this amounts to "fair dealing" no part of the Website may be reproduced, stored in a retrieval system or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording and/or otherwise) without our prior written consent. Any authorised uses of content, must include the customary bibliographic citation, including author attribution, date, article, article title and the URL http://www.newhorizon-islamicbanking.com and must include the copyright notices.
Permission for use of our intellectual
Any use of the NewHorizon and newhorizon-islamicbanking.com content not specifically permitted above is expressly prohibited. Any request for permission for use of our content or images, or other use of our intellectual property, should be made in writing, and may be subject to a fee.
If you are using one of the popular "offline browsers" that allow you to download content from a site and read it later, please be aware that subject to ensuring that this amounts to only a small proportion of content, strictly for your personal non-commercial use, or where this amounts to "fair dealing" we impose one restriction on this use and ask that you configure your offline browser to not request more than one page per 60 seconds.
Be aware that non-compliance with this rule will result in your access to this Website being blocked until you contact us and resolve the problem.
We will try to ensure that information contained on this Website is accurate but please note that all information is provided on an "as is" basis without warranty of any kind, express or implied. Differences may occur also between the print and online text of articles.
We rely on our authors of articles to confirm the accuracy of the information presented, and to describe generally accepted practices, and therefore we as the publisher, and our editors, cannot warrant its accuracy. Readers should be aware that professionals in the field may have different opinions. Because of this fact and also because of regular advances in research, we strongly recommend that readers independently verify any information they chose to reply on. Ultimately it is the readers' responsibility to make their own professional judgments.
Description or reference to a product or publication does not imply endorsement of that product or publication, unless it is owned by NewHorizon.
To the fullest extent permitted by law, NewHorizon and its editors, are not responsible for any losses, injury or damage caused to any person or property (including under contract, by negligence, products liability or otherwise) whether they be direct or indirect, special, incidental or consequential, resulting from the application of the information on this Website.
No tax, legal or investment advice of any kind (including advice and opinions with respect to the nature, potential value or suitability of any particular securities transactions, financial products or investment strategy) is being provided by newhorizon-islamicbanking.com or NewHorizon to the user. Any investment decisions made by the user will be based solely on their own evaluation of their financial circumstances and investment objectives and not on the basis of any information given in this Website.
We have used our reasonable endeavours to ensure that our Website complies with English laws. However, we make no representations that our Website is appropriate or available for use in locations outside England. Those who visit our Website from other locations do so on their own initiative and are responsible for compliance with all applicable laws. You accept that if you are resident outside England, you must satisfy yourself that you are lawfully able to use our Website and, to the extent permitted by applicable law, NewHorizon accepts no liability for any costs, losses or damages in this regard.
You must not use the Website in any way that causes or is likely to cause the Website or access to it to be interrupted, damaged or impaired in any way. You understand that you are solely responsible for all electronic communications and contents sent from your computer to us and for ensuring that your computer systems meet all relevant technical specifications necessary to use our Website. You also understand that although we try to guard against viruses, we cannot and do not guarantee or warrant that any material available for downloading from our Website will be free from infections, viruses and/or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
You must use the Website for lawful purposes only. You must not use the Website for fraudulent purposes in connection with a criminal offence or otherwise unlawful activity; to send, use or re-use any material that is illegal, offensive, abusive, indecent, defamatory, obscene or menacing; or in breach of copyright, trademark, confidence, privacy or any other right; or is otherwise injurious to third parties; or objectionable; or which consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any spam; to cause annoyance, inconvenience or needless anxiety. You are forbidden to perform any kind of network monitoring, including probing the security of networks or attempting to intercept data not intended for you.
The limitation and exclusions in these Terms and Conditions does not affect your non-executable statutory rights and only apply to the extent permitted by applicable law.
We may provide hyperlinks to goods and services on third party websites and you may use the Website to purchase products or services from third party partners. In that event, your contract for such products will be with the third party partner and not with NewHorizon. Each third party is responsible for setting and explaining their individual Terms and Conditions of shipping, return, security, data protection and other policies and terms applicable to their sale of goods and/or services. We do not endorse, guarantee or warrant any product or service sold by a third party, nor do we have any liability or responsibility for the fitness for purpose or quality or delivery of any product or service sold to you by third parties or otherwise. The purchase or receipt by you of any product or service from a third party is a transaction solely between you and that third party.
You will see advertising material submitted by third parties on this Website. Individual advertisers are solely responsible for the content of advertising material which they submit to us, including ensuring that it compiles with relevant legislation. We accept no responsibility for the content of advertising material, including, without limitation, any error, omission or inaccuracy therein. If you would like to advertise on this Website, please email firstname.lastname@example.org
This Website contains links including hyperlinks which may take you outside www.newhorizon-islamicbanking.com. Links are provided for your convenience, and an inclusion of any link does not imply endorsement or approval by us of the linked website, its operator or content. We are not responsible or liable for any loss or damage caused or alleged to be caused by or in connection with use of or reliance on any content, goods or services available through any website outside the NewHorizon's Website. Any concerns regarding any external link should be directed to its website administrator or web master.
NewHorizon Online Publications
Whether you, the Subscriber, have purchased an online subscription or are a registered user to another part of this Website, the details which are registered with us, allow you and only you to use this Website for as long as we allow access, or in the case of a subscription or trial for the period of the contract. Individual accounts therefore may not be shared.
When you complete your subscription registration as a subscriber or trial user of the Website we hereby grant you a sole, non-transferable, non-exclusive licence to access the premium content and services provided for by this Website as per your subscription or trial period. Access is via your username and password.
NewHorizon and newhorizon-islamicbanking.com reserve the right to change the online content at their own discretion and without notification.
We will allow subscribers and trial users
access on the basis that:
a) Your username and password are personal to you and may not be used by anyone else. You undertake to us that you will keep your password secret and will inform us in the event that you become aware that it is no longer confidential, is being used by an unauthorised person or in breach of this Agreement.
b) You will not do anything which would assist anyone who is not a registered user to gain access to any part of the Website. If for any reason, we believe that you have not complied with any of these Terms and Conditions, we may, at our discretion, cancel your access to the Website immediately without giving you any advance notice and terminate the Agreement.
Access to certain NewHorizon and newhorizon-islamicbanking.com content is subject to a fee. All payments (including applicable taxes) must be made in advance in pounds sterling or other currency specified by NewHorizon and newhorizon-islamicbanking.com. You are responsible for the payment of all charges and all statements incurred and associated with the use of the Website using your username and password.
Savings reflect pre-publication discounts. All discounts can only be applied at the time of registration and cannot be combined. All discounts are subject to approval.
Each Subscriber is responsible for all charges incurred and all statements which are made while such Subscriber's Password or Username is being used.
If your use of the Website is terminated by NewHorizon and newhorizon-islamicbanking.com, 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 and Conditions. You will continue to be responsible for any fees or other charges incurred by you prior to such termination.
Refunds can only be made via the means used for the original purchase. All refunds are at the discretion of NewHorizon and newhorizon-islamicbanking.com.
It may be necessary for NewHorizon to change the content and/or date of publication at anytime. We will notify you of any major changes.
A binding contract will come into existence upon acceptance by us of your order. We aim to process each order within 14 working days although time shall not be of the essence in respect of processing orders.
All payments (including applicable taxes) must be made in advance in pounds sterling or other currency specified by NewHorizon and newhorizon-islamicbanking.com. You are responsible for the payment of all charges associated with the use of the Website using your username and password.
Delivery shall take place when the goods you have ordered including Publications are delivered to your delivery address as given by you in the relevant order. Subject to any delay outside the control of NewHorizon as stated below, we will make all reasonable efforts to deliver the goods including Publications to the address stated.
Delivery is subject to stock and availability. We aim to deliver within 14 working days from the receipt of your order unless the order is made prior to publication. Our prices include postage and packing costs within the UK. An additional charge for postage and packing applies to all overseas orders as notified to you at the time of the order.
Savings reflect pre-publication. All discounts can only be applied at the time of ordering and are subject to approval.
On acceptance of goods you shall be responsible for inspecting the goods including Publications promptly on delivery and notifying us in writing forthwith after delivery if any goods including Publications have been delivered damaged or have items missing. You shall be deemed to have accepted the goods including Publications once: a) the goods including Publications are being used by you or b) 3 (three) working days after delivery to you. Any complaint regarding the goods including Publications delivered by us to you must be communicated to us in writing within 3 (three) working days of delivery failing which you shall not be entitled to reject any of the goods including Publications accepted under this clause.
Refunds can only be made via the means used for the original purchase. All refunds are at the discretion of NewHorizon and newhorizon-islamicbanking.com.
Risk in the goods including Publications shall pass to you once the goods including Publications have left our premises and/or our suppliers' premises. All goods including Publications sold are subject to these terms and conditions and remain vested in us until the Goods are paid for in full by you and until such time the Goods may not be charged or, encumbered in any way.
If you have any questions about these Terms and
Conditions, please contact us at enquires@newhorizon-
or alternatively, at:
7 Hampstead Gate
London NW3 6AL
Date of document: 01 October 2010
© Copyright NewHorizon 2010