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Terms and conditions

Scope of use

Use of the Verisk Maplecroft Publications including materials published electronically, via any Verisk Maplecroft website, mobile application or in the Global Risks Forecast emails, as well as all hard copy reports, briefings, scorecards and other publications, whether also provided via Verisk Maplecroft websites or not are subject to the following terms and conditions. The following terms and conditions shall apply for as long as the Verisk Maplecroft Publications are used by the Company. To the extent any term and or condition of these online terms conflict with any signed license, purchase order or other license or agreement provided to Verisk Maplecroft by the Company, the terms and conditions provided below shall control.

Disclaimer

While Verisk Maplecroft endeavours to ensure that the information in the Verisk Maplecroft Publications is correct, Verisk Maplecroft will not be liable for any errors, inaccuracies or delays in content, or for any actions taken in reliance thereon.

Verisk Maplecroft may make changes to the material hosted on the Verisk Maplecroft websites at any time without notice. Information hosted on the Verisk Maplecroft websites may be out of date, and Verisk Maplecroft makes no commitment to update such material, though it will endeavour to do so to the extent that it is commercially practicable.

Verisk Maplecroft does not guarantee the accuracy of or endorse the views or opinions given by any third party content provider Verisk Maplecroft does not warrant and makes no representations regarding the completeness, currency or predictive value of the publications or the information contained therein. Though Verisk Maplecroft Publications may contain references and links to other publications and/or sources of information, Verisk Maplecroft does not endorse or take responsibility for the content of such other publications and/or sources – whether online or otherwise.

The information contained in the Verisk Maplecroft Publications is provided without any conditions, warranties or other terms of any kind. Accordingly, and to the maximum extent permitted by law, the Verisk Maplecroft Publications are provided on the basis that Verisk Maplecroft excludes all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to this service. Additionally Verisk Maplecroft shall have no liability and shall not be responsible for business and legal conclusions judgments and decisions made with respect to the Verisk Maplecroft Publications.

Liability

Verisk Maplecroft excludes all liability and responsibility for any amount or kind of loss or damage that may result to users or third parties (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Verisk Maplecroft Publications in any way or in connection with the use, inability to use or the results of use of the Verisk Maplecroft Publications, any websites or sources linked to the Verisk Maplecroft Publications or the materials on such websites. If the foregoing limitation is unenforceable, in no event shall Verisk Maplecroft’s aggregate liability to the Company, regardless of the form of any claim, action or suit, exceed the fees paid by the Company during the three month period preceding the event. In no event shall Verisk Maplecroft, its affiliates, officers, directors, employees, agents or stockholders be liable for any incidental or consequential damages, loss profits direct or indirect, arising from Verisk Maplecroft’s services.

The Company assumes full and complete responsibility for all uses and applications of Verisk Maplecroft's Publications. The Company will indemnify and hold harmless Verisk Maplecroft, its officers, directors, employees, and stockholders against any and all liability, damages, losses, claims, demands, actions, causes of action, and costs including attorney's fees and expenses resulting from the death or injury to any person or damage to any property or any other alleged or actual damages resulting from the use, application or non-use of Verisk Maplecroft’s Publications or work completed by Verisk Maplecroft for Company. Verisk Maplecroft agrees to (i) promptly notify the Company of any claim subject to this indemnification, (ii) give the Company the right to control and direct the preparation, defense and settlement of the claim and (iii) cooperate with the Company in the defence of the claim.

Verisk Maplecroft agrees to indemnify and hold harmless the Company its officers, directors, employees, and stockholders against any and all liability, damages, losses, claims, demands, actions, causes of action, and costs including attorney's fees and expenses resulting from the infringement of any third party’s intellectual property rights by Verisk Maplecroft Publications provided to the Company. The Company will (i) promptly notify Verisk Maplecroft of any claim subject to this indemnification, (ii) give Verisk Maplecroft the right to control and direct the preparation, defence and settlement of the claim and (iii) cooperate with Verisk Maplecroft in the defence of the claim.

This exclusion of liability will include but not be limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing of the Verisk Maplecroft Publications or your downloading of any material from the Verisk Maplecroft websites or any websites linked to the Verisk Maplecroft Publications.

Redistribution

Except where detailed below, any republication or redistribution of the Verisk Maplecroft Publications or their content is expressly prohibited without the prior written consent of Verisk Maplecroft. The Company shall hold the Verisk Maplecroft publications in strictest confidence and shall not copy, disclose, reverse engineer or attempt to derive the composition or underlying information, structure or ideas of Verisk Maplecroft Publication. Company agrees that the Verisk Maplecroft Publications and the information contained therein are confidential information of Verisk Maplecroft.

Access

Where a company, individual or group of individuals (as indicated on the relevant contract and/or invoice) has paid a subscription and/or fee in order to access any Verisk Maplecroft Publications, and unless otherwise indicated in writing by Verisk Maplecroft, any username or password provided to that company, individual or group of individuals by Verisk Maplecroft is for their sole and exclusive use and may not be shared with any other company, individual or group of individuals.

Where a company, individual or group of individuals has been granted trial access to any Verisk Maplecroft Publications, and unless indicated in writing by Verisk Maplecroft, any username of password provided to that company, individual or groups of individuals by Verisk Maplecroft is for their sole and exclusive use and may not be shared with any other company, individual or group of individuals.

Property

All content of the Verisk Maplecroft Publications delivered to or made available to Company belongs to Verisk Maplecroft or its licensors. Verisk Maplecroft or its licensors own all intellectual property rights (including copyright and database rights) in such content and any selection or arrangement of such content. Nothing in this Agreement shall be construed as granting to Company any right, title or interest in or to any patent, trademark, copyright or other right of Verisk Maplecroft or its licensors. Verisk Maplecroft will provide the Verisk Maplecroft Publications in accordance with generally accepted professional standards and reserves the right to ensure the suitably of qualified personnel in the creation development and delivery of the Verisk Maplecroft Publications.

Subscription

Where a company, individual or group of individuals has paid for a subscription to a Verisk Maplecroft Publication, that company, individual or group of individuals ("Subscriber") may use the material contained therein for their own internal business processes and for internal training, communication and awareness-raising for as long as they hold a valid subscription. Subscribers may not incorporate any such content into any materials developed for external use without the written permission of Verisk Maplecroft. Any internal or external materials prepared by Subscribers that incorporate Verisk Maplecroft Publication content must clearly indicate Verisk Maplecroft as the source of that content.

Verisk Maplecroft uses proprietary methodologies to create reports, briefings, indices and other tools – all of which are available to subscribers. These are derived from the analysis of a range of quantitative and qualitative datasets, including from our own sources and from both open or licenced sources (with relevant permissions). Subscribers to our Global Risks Portfolio are licenced to access these outputs via our mapping tools, enhanced viewing platforms and dashboards.

No data, maps or indices can be used outside the 12 month license period on any account. Bronze and above licenses are for 12 months only. A single Atlas license is only for the edition year of the Atlas purchased or until the subsequent Atlas is published. Atlases are usually published by February of each new year.

Updates

All individual subscribers, employees of subscribed organisations or other individuals who register on www.maplecroft.com accept that they will receive updates on Verisk Maplecroft research and analysis (including but not restricted to weekly email updates, weekly and/or daily Global Risks Forecast communications and selected items of free risk analysis) – but all such registrants may opt out of receiving such updates at the point at which they register – or at any point thereafter.

One company, one licence

Verisk Maplecroft’s resources are provided organisation-wide, under our ‘one company, one licence’ policy, i.e. all employees of the relevant legal entity can access the full range of subscribed resources at no additional cost provided they register using that legal entity’s email.

SubscriptionPlus

SubscriptionPlus is an extended 12-month subscription to the Verisk Maplecroft Global Risks Portfolio (GRP). It offers access to the resources for the lead customer, plus their suppliers, for two times the cost of the normal subscription rate. Any such suppliers would be required to agree to our terms and conditions of use in consideration for their accessing of the material. Verisk Maplecroft reserves the right to withhold access to large brand suppliers – i.e. with a market capitalisation above US$1m – who would otherwise be potential customers for the subscription in their own right. Verisk Maplecroft likewise reserves the right to withhold access to companies that are already clients of Verisk Maplecroft, companies that subscribe to the GRP or companies that have subscribed to the GRP. The withholding of access to such large brand suppliers will not otherwise affect the lead customer’s subscription.

LicencePlus

LicencePlus is a 12-month arrangement with Verisk Maplecroft, that enables the lead client to integrate Verisk Maplecroft’s content in any software application or tool – provided such software or tool is for the exclusive, non-commercial use of the lead-client only. Verisk Maplecroft content may not be used in the development of any internal third party constructed tool unless both parties purchase a licence to Verisk Maplecroft data under our LicencePlus subscription. It offers access to the resources to the lead client for two times the cost of the normal subscription rate – and, where relevant, allows limited access to such content to a third-party provider for the exclusive purpose of integrating it into a software application or tool for the lead client only. In the absence of such a licence, content cannot be modified or adapted in any form, by either the client or the third party provider, whether electronically or otherwise. The lead client will need to buy a LicencePlus subscription for the first year of integration of GRP content [and then continue purchasing annual LicencePlus subscriptions for as long as GRP content – whether current or historical – is incorporated into the lead client’s software application or tool].

Adaptation and use of Verisk Maplecroft content by service providers

In certain circumstances, service providers will wish to access and integrate GRP content into a commercially-marketable software application or tool for re-sale to other parties. This can only be done with the formal, written permission of Verisk Maplecroft. This is in order to understand the implications with respect to the protection of our intellectual property and the establishment of the terms under which we will license GRP material for integration into the service-provider’s software application or tool – or the re-use of such material by parties purchasing such software application or tool. To be clear, no such integration or re-use is allowed under any circumstance unless by prior agreement and covered by a distinct licensing agreement with Verisk Maplecroft.

Where such licence is granted by Verisk Maplecroft, it will generally be done so on the basis that both the service provider and any parties purchasing or using its software applications or tools must hold valid and current subscriptions to GRP content. Such subscriptions will need to remain in place for as long as the relevant software application or tool integrates GRP content – whether current or historical.

Trial access

Where a company, individual or group of individuals has been granted trial access to a Verisk Maplecroft Publication, that company, individual or group of individuals ("Potential Subscriber") may only use content gained as a result of that trial access for the sole purpose of evaluating their need for a paid subscription. Verisk Maplecroft Publication content that has been accessed as a result of the granting of trial access by Verisk Maplecroft may not be used for any business purpose and may not be incorporated into any internal or external materials developed by Potential Subscribers without the written permission of Verisk Maplecroft.

Except as described above, you may not alter, reproduce, reprint, copy, sell, or otherwise transfer or use Verisk Maplecroft Publication content without the express written permission of Verisk Maplecroft.

Trademarks

Unless otherwise agreed in writing with Verisk Maplecroft, nothing in these Terms of Use gives you a right to use any of Verisk Maplecroft's trademarks, trade names, logos, domain names, and other distinctive brand features.

Severability

If any provision of these Terms of Use is found to be contrary to law by a court of competent jurisdiction, such provision shall be of no force or effect; but the remainder of these Terms of Use shall continue in full force and effect.

In certain cases, Verisk Maplecroft may apply alternative conditions of use on individual Subscribers ("Tailored Subscription Agreements"). Where a Tailored Subscription Agreement has been agreed in writing between Verisk Maplecroft and a Subscriber, relevant provisions of the Tailored Subscription Agreement shall supersede individual provisions of these Terms of Use where they purport to apply to the same or similar issues, rights and obligations. The remaining provisions of these Terms of Use that are left unaffected by the provisions of the Tailored Subscription Agreement shall continue in full force and effect.

Governing law and jurisdiction

This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.