Terms & Conditions

This page describes the terms and conditions that govern your use of certain Media Group International products or services, including MediaGroupInternational.com and mobile applications, offered by The Media Group International Company and certain of its subsidiaries (“MGI”, “we”, “us”,  or “our”).

1. About our Terms

1.1. We are Media Group International (“MGI”, “we”, “us”, or “our”), a limited company registered in England and Wales and our business address is The News Building London Bridge Street London SE1 9SG, United Kingdom. Our company number is 09210182. If you need any of our other tax ID numbers please contact Customer Care.

1.2. These Terms and Conditions apply whenever you :

• use MediaGroupInternational.com, MediaGroupInternational.com mobile and online digital apps and services (together “MGI Digital”) and access the content and services available on them including the Media Group International magazine (the “MGI Magazine”) (together, the “MGI Content”); and
• purchase access to MGI Digital, the MGI Magazine and/or the MGI Content (together, the “MGI Services”) on a subscription basis.

1.3. You should read these Terms and Conditions carefully before using MGI Digital and/or MGI Content or subscribing to the MGI Services. By accessing, using or subscribing to any of the above, you agree to be bound by these Terms and Conditions (as applicable) and the documents referred to in them.

1.4. If you access MGI Digital under an organisation’s subscription agreement, then your access is primarily governed by the subscription agreement between us and that organisation. In the event of any conflict between these Terms and Conditions and the organisation’s subscription agreement (as applicable), the terms of the organisation’s subscription agreement shall prevail to the extent of the inconsistency only. If you have any questions about the MGI Services or if you have any difficulties using MGI Digital, please chat with us online, call us on your regional telephone number, or email us at Hello@MediaGroupInternational.com.

2. Your Subscription to the MGI Services

Subscribing to the Media Group International
2.1. We offer a range of subscriptions: 

• to MGI Digital (“Digital Subscriptions”);
• the MGI Magazine (“Print Subscriptions”),
• to both MGI Digital and the MGI Magazine (“Bundled Subscriptions”); and 
• we also offer subscriptions on a trial basis (“Trial Subscriptions”)

The above are referred together as “the Subscriptions” and individually as a “Subscription”. Please note that separate and/or additional terms and conditions may apply to any Trial Subscriptions that we may offer. Any such additional terms shall be clearly indicated. 

2.2. You may not take more than one Trial Subscription in any twelve-month period.  We may cancel any Trial Subscription that you may have purchased, without refund, if you have had access to any other Trial Subscription in the previous twelve months.

2.3. You may purchase a Subscription by submitting an order and providing the sign up details on MGI Digital, by phone, email, using our Live Chat on MGI Digital or by letter. We will only accept your order when we have successfully verified your email address, processed your payment details and emailed you to confirm this.

2.4. We will try to process your Subscription order promptly but cannot guarantee activation by any specified time. We may reject any Subscription order in our discretion. You confirm that your sign up and payment details are complete and accurate, and that you are entitled to purchase a Subscription using those sign up and payment details.  It is your responsibility to update and maintain changes to your sign up details on our Manage Your Account. Each Subscription is for a single user only. We may cancel or suspend your Subscription account if you share your access rights with any third parties, or attempt to allow third parties to avoid our control of access to MGI Digital. 

Fees and Payment
2.5. You agree to pay the Subscription fees at the rates and in the currency displayed during the Subscription process.  Prices may vary from time to time and by country, and Subscriptions may be available on a one-off, monthly, annual or other basis.  Discount offers are as stated at the time you subscribe and cannot be changed during the term of your subscription. Unless otherwise indicated, prices stated are inclusive of any applicable value added tax (VAT) or other sales taxes. The breakdown of any VAT will be indicated on the relevant invoice.

2.6. If we do not receive payment authorisation or any authorisation is subsequently cancelled, we may immediately terminate or suspend your Subscription. 

2.7. If you take a Trial Subscription, we will inform you of the full Subscription price payable at the start of the trial period. Your Subscription will renew automatically at the end of that trial period at the full Subscription price unless you cancel your Subscription before the end of the trial period. To cancel your Subscription during the trial period please go to Manage Your Account and follow the simple cancellation instructions.

2.8. We will give you at least 14 days’ notice of any increase in the price of your Subscription, which will take effect at your next renewal date.

2.9. If we incorrectly state a price 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.  If we notify you of a pricing error, you may cancel the Subscription and we will refund you any money paid, or you may pay the correct price. If you do neither, we may cancel your Subscription and refund any money you have paid. We will always act in good faith in determining whether a genuine pricing error has occurred.

2.10. If you are entitled to a refund we will credit that refund to the card or other payment method you used to submit payment, unless it has expired in which case we will contact you to arrange.

2.11. In addition to the Subscription fees you are responsible for paying for any:

• broadband, mobile, data, messaging or other internet connection and telecommunications charges that you may incur by accessing MGI Content; 
• charges that may be levied by your bank or credit card issuer (for example foreign transaction fees on transactions which take place abroad or in a foreign currency).

2.12. We will do all that we reasonably can to ensure that all of the information you give us when paying is secure by using an encrypted secure payment mechanism. However, in the absence of negligence on our part, any failure by us to comply with this contract or our Privacy Policy or breach by us of our duties under applicable laws, we will not be legally responsible to you for any loss that you may suffer if a third party gains unauthorised access to any information that you give us.

Home Delivery
2.13. We will deliver your MGI Magazine from Monday through to Saturday to the address you provided during the sign-up process if it is within our delivery areas. We do not guarantee delivery to non-secure locations or beyond ground floor levels.  Any special delivery requests may be printed on your MGI Magazine and seen by third parties, and we cannot guarantee that these requests will be fulfilled.

2.14. We aim to commence delivery of your MGI Magazine within 2 business days (UK), 7-10 business days (Eurozone) or 10-12 business days (United States) of your Subscription commencing.  Delivery times for other regions will be confirmed separately. 

2.15. If you do not receive your MGI Magazine on the expected delivery date, please contact us within 7 days and we may arrange an extension or credit for that delivery (excluding Trial Subscriptions).

2.16. If you wish to change your address for home delivery then please contact us at least 10 days’ before the date on which you wish your change of address to take effect. If we are not able to provide you with a home delivery service to your new address then:

• If you have a Print Subscription we will cancel your Subscription and issue a pro rata refund for the unexpired period of your Subscription; and 
• If you have a Bundled Subscription we will cancel your Subscription, issue a pro rata refund for the unexpired period of your Subscription and, at your option, transfer you onto a new Digital Subscription. 

Paper or Digital Vouchers
2.17. You may only redeem vouchers for MGI Magazine (subject to availability) at participating UK retailers on the date shown on the voucher, except MGI Weekend which is also valid on the Sunday of the same weekend.  Vouchers cannot be exchanged for cash or any other products. You must not copy, resell or transfer vouchers to anyone else.  

2.18. Paper vouchers will be posted and digital vouchers will be emailed using the information you provided during the sign-up process. 

2.19. If your Subscription has been cancelled, vouchers will no longer be valid and you must promptly post any unused paper voucher packs to the address printed on the back of the pack.  We may provide a refund for any vouchers that relate to the remainder of a Subscription period you have already paid for, and we reserve the right to charge you for any voucher packs that have not been returned which relate to a period for which you have not yet paid. 

Your Cancellation Rights
2.20. Digital Subscriptions:

• By placing your order for a Digital Subscription subject to these Terms and Conditions, you agree that we may start your Subscription immediately upon our acceptance of your order and that you waive your statutory right to cancel our contract within 14 days of our confirmation email. 
• This means that you lose your right to cancel this contract once we have provided confirmation via email of your Digital Subscription (see section 2.3 above) and that any notice of cancellation that you provide (whether before or after the 14-day period) will only take effect at the end of your current subscription period. You will not be entitled to a refund except in the event that there is a fault in our provision of our MGI Services. 

2.21. Print Subscription or Bundled Subscription:

• You have the right to cancel our contract for a Print Subscription or Bundled Subscription within 14 days of our confirmation email (see section 2.3 above) without giving any reason. 
• If you exercise your right to cancel within that period, we will reimburse all payments received from you, less a [pro rated] amount for each Newspaper you received before cancelling.
• After the above period has expired, you may cancel your Print Subscription or Bundled Subscription by notifying us at any time of your intention to do so. However, the cancellation will only take effect at the end of your then current Subscription period, and you will not be entitled to a refund except in the event that there is a fault in our provision of our MGI Services.

2.22. To exercise the above rights to cancel, you must inform us of your decision to cancel the contract by using our online chat feature, calling us on your regional telephone number, or emailling us at Hello@MediaGroupInternational.com with the following: “I/We hereby give notice that I/we cancel my/our subscription”. Please then include:

• the subscriber’s full name (person on the billing information if different from the user);
• the Account email address or Account Number (Customer Reference Number);
• the billing address and delivery address (Including zip code/postcode); and
• your contact telephone number.

You may also use your regional telephone number to temporarily suspend MGI Magazine delivery if you have an Bundled Subscription, for example if you are going on holiday, although you must provide at least 5 business days advance notice for this to be implemented.

Our Cancellation Rights
2.23. We may suspend or terminate your Subscription if we are prevented from providing services to you by circumstances beyond our control, or if we cease publishing the MGI Magazine or MGI Digital or MGI Services.  If we terminate for any of these reasons, we will provide you with a pro rata refund.

2.24. We may also suspend or terminate your Subscription, without refund, if you breach these Terms and Conditions, or in the event of any verbal or written abuse of any kind (including abusive, offensive or aggressive language) directed towards our Customer Care team, other MGI personnel, or any member of the public, with or without notice and without further obligation to you. 

2.25. If you are not a Subscriber, then we may suspend or terminate your access to the MGI Content at any time, with or without notice and without further obligation to you.

Effects of cancellation
2.26. If you are entitled to a refund, we will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to cancel your Subscription.

2.27. We will make the reimbursement using your registered payment details detailed within Manage Your Account. Additional charges may apply if we are required to reimburse to any other credit card or bank. 

2.28. If you have received copies of the MGI Magazine as part of your Subscription, you will not be expected to return these copies, but we will retain payment for such in accordance with these Terms and Conditions.

2.29. If you access the MGI Services by exchanging the MGI Magazine for voucher packs which are issued by us, we reserve the right to charge you the subscription fee for the renewal period if we have sent you voucher packs that have not been returned before your subscription start date. We will provide you with a refund of the subscription fee on receipt of the complete returned voucher pack.

Renewals
2.30. 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. We will charge the subscription using the same card or other payment method that you previously used. In the case of annual subscriptions, we will send you a reminder notice at least 14 days before the renewal date stating the rate that will apply for the renewal period. 

3. Using MGI Digital

Ownership of MGI Digital and MGI Content
3.1. MGI Digital and MGI Content and all intellectual property rights in each are owned by us, our licensors or both (as applicable). Intellectual property rights means rights such as: copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We reserve all of our rights in any intellectual property in connection with these Terms and Conditions. This means, for example, that we remain owners of them and free to use them as we see fit.

3.2. Nothing in these Terms and Conditions grants you any legal rights in MGI Digital or the MGI Content other than as necessary to enable you to access MGI Digital and use the MGI Services. You agree not to adjust, to try to circumvent or delete any notices contained on MGI Digital (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within MGI Digital.

3.3. “MGI” and “Media Group International” are registered trademarks and you may not use them without written permission from MGI. You are permitted to use the MGI Content only as set out in our Copyright Policy.

Accessing and using MGI Content 
3.4. You agree to comply with our Copyright Policy when using MGI Content. You are responsible for all use of MGI Content whether accessed without a Subscription as a registered user, under your Subscription, or under your organisation’s Subscription.

3.5. The amount and types of MGI Content that you can view depend on what type of subscription you have. If you already have a subscription, details of your access rights can be found at Your Account. We may vary or cancel the access rights of non-paying users at any time.  

3.6. Your access to MGI Content will vary depending on whether you have an MGI Standard or MGI Premium Digital Subscription. An MGI Standard Subscription provides an overview of the most important business, political and economic stories from around the world whereas an MGI Premium Subscription gives readers full access to MGI journalism, including exclusive additional analysis and insight. 

3.7. We reserve the right to amend the scope of your Digital Subscription from time to time. We will give you at least 30 days’ notice of any significant reduction in the scope of your Digital Subscription, and these will only take effect from the date of your next payment following that 30-day period. This does not apply where a type of content or service intended for MGI Premium subscriptions is made available to MGI Standard subscribers on an introductory, temporary or trial basis. 

3.8. On registration, you will choose a user name and password (“ID”). It is your responsibility to keep your ID confidential. The email address must not correspond to a generic or shared email account, and you must be entitled to use that e-mail address.  All information received by us from your use of MGI Content will be used by MGI in accordance with our Privacy Policy.

3.9. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify MGI immediately by e-mailing us at Hello@MediaGroupInternational.com. We recommend that you do not use MGI Digital’s “Remember me” log in feature on any device that may be used by anyone other than you in order to prevent unauthorised access to MGI Digital and your Subscription details.

User Generated Content
3.10. MGI Digital includes comments sections, blogs and other features that allow interaction between users and between users and MGI journalists (“Forums”). If you post information to these Forums (“User Generated Content” or “UGC”) then you must comply with our guidance for commenting on articles plus any specific rules posted on the Forum. You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with these Terms and Conditions or that otherwise relates to your UGC.

3.11. You own the copyright in your UGC, and you agree to grant MGI a right (but not an obligation) unlimited in time to publish, re-use, archive, modify, delete or commercially exploit that UGC in whole or in part as we see fit, whether on MGI Digital or otherwise, without any requirement to pay you for this and with or without attribution to you. You also waive any moral rights that you may have in regard to the UGC.

3.12. You agree that you will:

• only post original content and not infringe the copyright or other rights of any third party;
• not post any UGC containing any form of advertising or promotion for goods and services or any form of unsolicited communication;
• not post any confidential information of a third party;
• not post any recommendations to buy or not buy a particular share or investment or which otherwise has the purpose of affecting the price or value of any share or other investment;
• not post anything that is threatening, offensive, libellous, indecent or unlawful;
• not post anything that is discriminatory in nature, for example, comments which make attacks on the grounds of race, religion, sex, gender, sexual orientation, disability or age;
• respectfully challenge different points of view but not personally attack other commentators.
• not disguise the origin of any UGC and not impersonate any person or entity (including MGI employees or Forum guests or hosts) or misrepresent any connection with any person or entity;
• not post any UGC unrelated to the Forum or the Forum’s topic;
• not post any UGC that contains software viruses, files or code designed to interrupt, destroy or limit the functionality of MGI Digital or any computer software or equipment;
• not collect or store other users’ personal data;
• not restrict or inhibit any other user from using the Forums; and
• comply with the guidelines for commenting set out in our Commenting FAQ.

3.13. It is not possible for MGI to fully monitor all UGC published on MGI Digital but where we have actually received notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these Terms and Conditions, then we will review that UGC, decide whether to remove it from MGI Digital and act accordingly. This may include banning a user from participation in UGC on MGI Digital. If you are aware of any such UGC, please notify us immediately with specific details by contacting us at Hello@MediaGroupInternational.com.

3.14. We can link your UGC, including anything posted under a pseudonym, to your MGI Digital account. Our moderation and community team may contact you from time to time regarding your UGC.

Accuracy of information and availability of MGI Digital
3.15. While we try to make sure that MGI Digital and all MGI Content is accurate, up-to-date and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that MGI Digital will be fit or suitable for any purpose. Any reliance that you may place on the information on MGI Digital is at your own risk.

3.16. MGI Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.

3.17. If you use either Managed Funds or Personal Finance on MGI Digital you acknowledge that these areas of MGI Digital are designed for use by UK users only and you should not use them if you are ordinarily resident outside of the UK.

3.18. We may suspend or terminate operation of MGI Digital or any part thereof at any time as we see fit.

3.19. While we try to make sure that MGI Digital is available for your use, we do not promise that MGI Digital is available at all times nor do we promise the uninterrupted use by you of MGI Digital.

Third party sites and products
3.20. MGI Digital may contain hyperlinks or references to third party websites and third party products. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any products, content, material or information contained in them. The display of any hyperlink and reference to any third party website or third party product (including any advert or sponsor) does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.

3.21. Any agreements, transactions or other arrangements made between you and any third party named on (or linked to/from) MGI Digital are at your own responsibility and entered into at your own risk.

4. Your Privacy and Personal Information

4.1. Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with our Privacy Policy, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information.

5. Limitation on Our Liability

5.1. Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury) or arising under applicable laws relating to the protection of your personal information, we are not legally responsible for any:

• losses that:
  (a) were not foreseeable to you and us when these Terms and Conditions were formed; or
  (b) that were not caused by any breach on our part;
• business losses; and
• losses to non-consumers.

5.2. You may terminate your Subscription immediately in writing to MGI if MGI Digital is unavailable or inaccessible to you for either (a) more than 3 consecutive days during your Subscription; or (b) more than 5 days in a 30 day period, as a result of the fault or failure of MGI, in which case we will refund you any amount that you have paid to us in advance that relates to any period which was still to run on your Subscription. 

5.3. The limitations of liability in this section 5 apply for the benefit of MGI, its affiliates, including those listed in section 6 and all of their respective officers, directors, employees, agents or any company who we transfer our rights and obligations to in accordance with these terms and conditions.

6. Corporate Information

6.1. If you buy a Digital or Bundled Subscription and are resident in any country other than those listed in section 6.2 below or you access the MGI Content under an organisation’s subscription agreement, then you will be contracting with Media Group International, whose principal place of business is at The News Building London Bridge Street London SE1 9SG, United Kingdom.

6.2. If you buy an MGI Magazine or Bundled Subscription and are resident in one of the countries specified below, you will be contracting with the applicable entity listed below:

Media Group International, Bureaus