Terms and Conditions

1. Introduction

Welcome to the Another Crowd website. Please read these terms and conditions carefully. They govern our relationship with you in relation to this website. You will be deemed to have agreed to be bound by these Terms when you use, access or browse any part of the Site, register your details with us, subscribe for email or online services or send us an email. If you do not accept these terms and conditions please do not continue to use this website.

The following terms and conditions apply to all sections and pages under the http://www.anothercrowd.com website and, where relevant, to other services provided by us.  Additional terms and conditions may also apply to other services provided by us and these are set out below and/or will be explained or made available to you if you use these services.

These Terms apply regardless of whatever user device you are using (including desktop, laptop or mobile web browser, digital television, mobile phones, automobile-based personal computers, handheld digital devices, and any other mobile device or technology whether now known or developed in the future).


For the purposes of these Terms: "Content" includes all or part of any text, graphics, layout, logos, images, audio material, films or other moving images, product details and/or software published or otherwise available on the Site from time to time (including, anything made available for download); “including” and its derivations mean “including, without limitation”; "material" includes all or part of any text, graphics, layout, logos, images, audio material, films or other moving images; and "Trade Marks" means the trade marks, logos and service marks (whether or not registered) displayed on the Site.

2. Changes to these Terms

We may change these Terms from time to time. Please check these Terms regularly as any changes are effective immediately upon posting to the Site. Your continued use of the Site after posting will be deemed acceptance of the changes.


3. Our Business


The Site is operated by or on behalf of [COMPANY NAME]  ("Another Crowd", "we", "us"  or "our"). We are a company registered in England and Wales with the company registration number [COMPANY REG NUMBER]. Our registered office address is [ADDRESS]  and our VAT number is [VAT REG NUMBER].  You can contact us by email on enquiries@anothercrowd.com .

We are not regulated by the Financial Conduct Authority (FCA).  This website has not been approved by the FCA or by any financial regulatory authority of any other state or jurisdiction.

The information and/or data on the Site is provided by us and our data providers for your general information only and use and is not intended for trading purposes or to address your particular financial or other requirements. In particular, the information and/or data on the Site:

(1) does not constitute any form of advice (financial, investment, tax, medical, legal or otherwise); and

(2) does not constitute any inducement, invitation or recommendation relating to any of the products listed or referred to; and

(3) is not intended to be relied upon by you in making (or refraining to make) any specific investment or other decisions; and

(4) has not been issued or approved by Another Crowd for the purposes of section 21 of the Financial Services and Markets Act 2000 (as amended from time to time).

APPROPRIATE EXPERT INDEPENDENT ADVICE SHOULD BE OBTAINED BEFORE MAKING ANY INVESTMENT OR OTHER DECISIONS.


4. Registration

Access to some areas of the Site is restricted to users who have registered their details with us. You must not use a false name or email or provide any false information nor impersonate another person when registering for use of the Site and our email services. If you have a password for registration, you shall not share or disclose it to any third party, nor allow any third party to use your password to gain access to the areas and services for registered users. We may refuse or remove or suspend your registration at any time.


5. Intellectual Property


We are the owner or the licensee of all intellectual property rights in the Site the Content and the Trade Marks. Subject to these Terms, we grant you a limited, temporary, revocable, and non-exclusive licence to access, browse and use the Site (including the Content and Trade Marks) in accordance with paragraph 6 below.

6. Your Use of the Site

Under the terms of this agreement, you  may use the Site for personal, non-commercial use only. If you would like to make use of the Site in a  professional or commercial context,  separate terms and conditions will apply. Please write to us in the first instance at professional@anothercrowd.com. We welcome enquiries from writers, researchers, professional advisers, and consultants.

Unless and until we agree separate terms with you, your right to access and use this site your right to access and use the Site will be deemed to be personal and non-commercial only.

You may only download and print extracts of the Content for your own personal non-commercial use. You may not:

(1) download or print any Content or extracts in a systematic or regular manner or otherwise so as to create a database in electronic or paper form comprising all or part of the Content from the Site; nor
(2) reproduce, republish, modify, archive, distribute, store, archive or commercially exploit the Content without our prior written consent; nor
(3) modify or adapt or create derivative works of the Content; nor
(4) utilise links to this website received as part of a paid-for media monitoring service; nor
(5) systematically forward links to this website within a business or outside a business for business purposes; nor
(6) copy or extract data from this website by means of robots, spiders, crawlers or other automatic devices or by any manual process used to systematically extract or copy web content.
Any such use of this website or the content is prohibited without an appropriate licence. If you wish to syndicate or licence any Content from this website, please email us at professional@anothercrowd.com.

At all times when you are accessing, browsing or using or registering for use of the Site, you must do so lawfully and legitimately and without infringing or restricting anyone else’s rights or use and enjoyment of the Site. In particular, you must not use the Site in a manner or upload any material or link to any material which is false, fraudulent, inaccurate or misleading, obscene, offensive, defamatory, abusive or in breach of any third party rights (including intellectual property right).

At any time without notice and in our absolute discretion, we may permanently or temporarily terminate, suspend or deny your access to the Site. At any time without notice and in our absolute discretion, we may remove or edit any Content on the Site. To the fullest extent permitted by law, in both cases none of Another Crowd, its directors, employees or other representatives have any liability to you whatsoever for any loss or damage arising from such removal or editing or any restriction or hindrance to your use of the Site, email services or password.

7. Data Protection and Privacy

Full details of the way in which we use cookies on the Site and how we hold and process information from which we can identify you or any third party are set out in our Privacy and Cookie Policy.

8. Third party links

The Site contains hypertext links to third party websites. We are not responsible for, nor do we endorse in any way such third party websites or their content. If you decide to access any of the third party websites linked to the Site, you do so entirely at your own risk.

9. Advertising and Sponsorship

Parts of the Site contain advertising and sponsorship. Advertisers and sponsors are solely responsible for ensuring that material submitted for inclusion on the Site complies with all legal and regulatory requirements and does not contain any material which is objectionable including, without limit, information which is defamatory, obscene, threatening or untrue. We are not responsible for any such material or any error or inaccuracy contained in such material and any issues which you may have should be raised directly with the relevant advertiser or sponsor.

For more information about placing advertising or sponsorship on the Site please email sponsorship@anothercrowd.com

Another Crowd contains contextual affiliate links from which we may potentially earn revenue. However, the content of our articles are never influenced  by advertisers or  affiliates, nor are they written for the purpose of promoting a product.


10. Exclusions and limitations of liability

All information and/or data on the Site is provided on an "as is" basis. Save to the extent required by law, no representations, warranties or terms of any kind are made (or shall be implied by statute or otherwise) in respect of the Site or the Content, including, without limitation, warranties of satisfactory quality, conformity to contract, accuracy, adequacy, conformity to description or fitness for any particular purpose.

Neither Another Crowd nor any of its data providers or affiliates gives any warranty or guarantee relating to availability of the Site or that the Site and/or our operation of it, the Content or the server that makes the Site available are error or virus free or free of other harmful components or that your use of the Site and/or the Content will be uninterrupted.

You agree that Another Crowd, its directors, employees, agents or other representatives, data providers or affiliates will not be responsible or liable (whether in contract, tort or otherwise), under any circumstances for any amount or kind of loss or damage (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any anticipated loss of profit, loss of profit, loss of opportunity, loss of data, costs and fines and/or any special or incidental damages of any kind) that may result to you or a third party arising from or connected in any way to:

(1) interruption of business; or

(2) access or other delays, terminations, suspensions, denials or access interruptions to the Site; or

(3) data non-delivery, data misdelivery, data corruption, destruction of data or other modification of data; or

(4) third party website links on the Site; or

(5) reliance on the information contained on the Site; or

(6) computer viruses, system failures or malfunctions which may occur in connection with your use of the Site; or

(7) any inaccuracies, omissions or misleading, false or deceptive statement in the Content; or

(8) events beyond our reasonable control.

Notwithstanding any provision of these Terms, Another Crowd does not exclude or limit its liability for:

(1) death or personal injury caused by its negligence or that of any of its officers, employees or agents; or

(2) fraudulent misrepresentation; or

(3) any liability which it is not lawful to exclude either now or in the future.

11. Indemnity

You will indemnify and will keep indemnified Another Crowd and its data providers and affiliates on demand against all claims, costs, proceedings, demands, losses, damages, expenses (including legal expenses) or liability whatsoever arising directly or indirectly as a result of:

(1) any breach of these Terms by you; or
(2) your fault, negligence or breach of statutory duty; or
(3) your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden or load on our infrastructure (whether owned by, leased or licensed to us) or that of any of our Suppliers.

12.General

Any contractual or legal relationship between you and Another Crowd will be concluded in English.
All notices shall be given by e-mail to us at enquiries@anothercrowd.com or, to you at either the e-mail or postal address you provide during the registration process (if any). Notice will be deemed received 24 hours after e-mail is sent or 3 days after the date of posting.

These Terms (together with any variations to them pursuant to section 2) form the entire agreement between the parties concerning your access to, browsing and/or use of the Site and supersede all prior agreements, arrangements, understandings and representations made between us (whether written or oral) concerning the Site.

The licence granted in section 4.2 above is personal to you and may not be assigned, transferred or sub-licensed (in whole or in part) without our prior written consent.

Nothing in these Terms is intended to or shall operate to create a partnership or joint venture of any kind between us or to authorise either of us to act as agent for the other, and neither of us shall have authority to act in the name or on behalf of or otherwise to bind the other in any way (including but not limited to the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).

If the whole or any part of any provision of these Terms is or becomes invalid, void or unenforceable for any reason the same shall to the extent required be severed from these Terms and rendered ineffective so far as is possible without modifying the remaining provisions of these Terms and shall in no way affect the validity or enforceability of any other provisions.

No waiver by Another Crowd of any breach of these Terms shall constitute a waiver of any other prior or subsequent breach and Another Crowd shall not be affected by any delay, failure or omission to enforce or express forbearance granted in respect of any of your obligations.

The rights and remedies of Another Crowd under these Terms are independent, cumulative and without prejudice to its rights under the law.

These Terms are not intended to create and shall not create any rights, entitlements, claims or benefits enforceable by any third party by virtue of the Contracts (Rights of Third Parties) Act 1999.

These Terms and/or your use of the Site shall be governed by and construed in accordance with English law and the English Courts shall have exclusive jurisdiction over any dispute which may arise.