Property Finance and Lifestyle is a trading style of House of Words Media Limited

 

These terms and conditions apply to the sale of products or services by House of Words Media Limited (House of Words Media) except where alternative terms are agreed separately in writing.

Products & Services
We sell you digital access to the digital content comprised in our products on our websites (platforms) www.creditcontrol.co.uk, www.itceoscfos.com and www.pflmagazine.com.  When you purchase access to the digital content and it is viewed / downloaded, you will not own it.  Instead, we give you permission to use it (also known as a ‘licence’) for the purpose of you and your authorized users using and enjoying it according to these terms.

For products purchased on an automatic subscription renewal basis, the product shall include all content included in the relevant product during your subscription period each year.

For products purchased on a non-automatically renewing basis (a transactional subscription), the product shall comprise content included in the product and/or for the period specified only.

House of Words Media reserves the right at any time to withdraw from products any item or part of an item of content for which it no longer retains the right to publish or which it has reasonable grounds to believe infringes a third party’s copyright or other intellectual property right, or which is defamatory, obscene, unlawful, or otherwise objectionable.

Where stated, access in perpetuity shall be provided (for products purchased on automatic subscription renewal basis, this is in respect of the product content published and paid for during the relevant subscription period only).  If no right of access in perpetuity is granted, then your right to access the product will terminate at the end of the relevant subscription period (or other access period specified).

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Payment
All invoices must be paid within 28 days and/or in accordance with the invoicing terms.  Subscriptions are payable annually in advance.  Customers shall be liable for any applicable taxes.

Cancellation Policy for Readers’ Subscriptions
If you purchased your reader subscription directly with House of Words Media, we will send you a reminder notice one month before the renewal date stating the rate that will apply for the renewal period.  Unless you notify us at least 14 days before the end of your current subscription period that you wish to cancel, your subscription will continue to renew for further equivalent periods and will be subject to these Terms and Conditions.  You can cancel your subscription by contacting us at accounts@creditcontrol.co.uk.

If you purchase your reader subscription directly via a third party such as a subscription agency (e.g. EBSCO, ProQuest, etc), or an from a third-party App Provider (e.g. Apple’s ‘App Store’, Google’s ‘Play Store’, etc), then you can only cancel your reader subscription in accordance with the applicable terms and conditions of the subscription agency or App Provider and you shall not have the right to any refund from House of Words Media in respect of any termination or cancellation of the reader subscription.

Cancellation Policy for Digital Author Subscriptions
To ensure that there is no break in the continuity of an author’s work with House of Words Media’s Journals and Platforms, and to adhere to production schedules, all digital author subscriptions will automatically renew each year for the same subscription period at the then prevailing renewal rate, which may be changed from time to time.  You have a right to cancel your renewal by informing us (i) in writing two months before expiry, or (ii) within 14 days after the date of the renewal invoice to cancel your subscription should you wish to no longer wish to remain as an author with House of Words Media.  

If you choose for your digital author subscription not to auto-renew each year, then we will contact you two months before the end of the initial subscription period with an offer to renew your digital author subscription at the then prevailing renewal rate, which may be changed from time to time.

Cancellation Policy for PR Digital Author Subscriptions
To ensure that there is no break in the continuity of the PR Agency’s clients’ works with House of Words Media and to adhere to production schedules, all PR digital author subscriptions will automatically renew each year for the same subscription period at the then prevailing renewal rate, which may be changed from time to time.  You have a right to cancel your PR digital author subscription renewal by informing us (i) in writing two months before expiry, or (ii) within 14 days after the date of the renewal invoice to cancel your subscription should you wish to no longer wish for your clients’ content to be published on our platforms and in our journals.

If you choose for your PR digital author subscription not to auto-renew each year, then we will contact you two months before the end of the initial subscription period with an offer to renew your subscription at the then prevailing renewal rate, which may be changed from time to time.

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End-user Terms
You shall use all reasonable endeavours to ensure that the users you authorize to use the product or service are aware of the end user terms (the terms applicable to the use of our Journals and Platforms).

Intellectual Property
Copyright and all other intellectual property rights in all products and services sold by House of Words Media shall belong to and continue to belong to the owners of such rights, and you shall not obtain any such rights or interest in such rights by virtue of subscription to, or receipt of any product or service.

House of Words Media, associated logos and/or any other names or logos of products or services provided by House of Words Media are trademarks of House of Words Media or its licensors.  Nothing in these terms shall in any way exclude, modify, or affect any statutory rights under intellectual property laws.  All rights not expressly granted by these terms are reserved.

Service Access
While we endeavour to ensure that House of Words Media's websites (platforms) are regularly available 24 hours a day, House of Words Media shall have no liability if for any reason our platforms are unavailable at any time or for any period.  Access to our platforms may be suspended temporarily and without notice in the case of system failure, maintenance or repair or reasons beyond our control.

Removal of Access
House of Words Media reserves the right to block your access to our platforms and/or the restricted content in the event that you do not comply with these terms.

Usernames and Passwords
Certain content (access to full Journals and other restricted content) is accessible to registered users only and is subject to payment of an applicable fee (restricted content).  Where you have been issued with a username and/or payment in order to access restricted content, you must keep that username and password confidential and not disclose that information to anyone else.  House of Words Media may also use industry standard methods in order to verify your access rights.

Links to Third Party Sites
Our platforms may contain links to third party sites.  Access to any other Internet site linked to this website is at the user’s own risk and House of Words Media is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites.  House of Words Media provides these links merely as a convenience and the inclusion of such links does not imply an endorsement.

Limitation on Our Liability
House of Words Media makes no warranties or representations of any kind concerning the accuracy or suitability of the content for any purpose, or that the services provided by our platforms will be uninterrupted or error free.  All content is provided “as is”.

We expressly disclaim all warranties to the extent permitted by law, including but not limited to warranties of fitness for a particular purpose.  Except for any legal responsibility that we cannot limit or exclude in law (such as for death or personal injury), in the event that you suffer any losses arising in connection with your subscription, or your use of our platforms: (a) our total liability to you shall not exceed the total sums paid by you for your current subscription; and (b) we shall not be liable or legally responsible in any way (whether in contract, tort (including negligence) or otherwise) for: (i) any loss that was not foreseeable to you or to House of Words Media when the contract was formed; (ii) any loss that was not caused by any breach on House of Words Media’ part; (iii) any business loss (including business interruption, or loss of revenues, sales or business opportunity); (iv) any loss of profits, anticipated savings, goodwill, reputation, or data; (v) any loss of use or corruption of software or technical equipment; (vi) any loss to non-consumers; and (vii) any indirect or consequential loss in each case even if we have been advised that such damages may arise.

Our aggregate liability for all claims, losses or damages arising under or in connection with your purchase of a product shall be limited to the amount received by us in connection with that purchase.

Law and Jurisdiction
These terms are governed by the laws of England and Wales and shall be subject to the exclusive jurisdiction of the courts of England and Wales, provided that House of Words Media is entitled to apply to any court to bring an action for the infringement of its intellectual property rights.

These terms were last updated August 2022.