Focus Finance

Terms and Conditions

Please email our customer services department on
customersupport@focusfinance.co.uk

Membership Terms and Conditions

These are our Membership terms for Focus Finance e-magazine ("the e-magazine"). If, for any reason, you do not agree
with these terms and conditions, please do not to become a member to our title.

Please email our customer services department on customersupport@focusfinance.co.uk

Contract

Your membership is with Focus Finance published by DFS Publications

  • 1. Contract Formed

  • 1.1 When you submit your membership order online or you confirm membership by phone and the membership payment is processed (and in each case you have acknowledged agreement to these terms and conditions), you are entering a legal binding contract and your contract is formed. You will receive confirmation of the payment via email within 14 days of agreeing the order.
  • 1.2 We reserve the right to not accept or process or fulfil the order, and a validation check will be carried out by us to check your identity and the bona fides of the order. If, for any reason, we are unable to process, or if we are unable to accept the order, we will notify you. If payment has already been processed, we will refund it to you full.
  • 2. Delivery

    2.1 We will deliver the login details and login site details of the e-magazine(s) to the email address given when you place the order. Any order placed will commence for the next available issue, so please allow up to 28 days receiving your first issue.
  • 2.2 You agree that we are not responsible if you have given us the incorrect email address for delivery. You also agree that we will not refund the cost of any distributed e-magazine(s) that are delivered to the incorrect email address given. We ask that you notify us immediately if you change or wish to use an alternative email address so we can update your membership delivery details.
  • 2.3 You may not sell or authorise for sale or authorise others to sell the e-magazine(s) delivered to you, in whole or in part. You acknowledge that as between us and you, all intellectual property rights in the e-magazine and/or any part of it are owned exclusively by us throughout the world for the full period of copyright.
  • 3. Delayed Delivery/Non-Delivery

    We will not be held liable for any delay of delivery or non-delivery of the e-magazine as a result of the following circumstances. (i) Where payment has been refused /or we are unable to process payment. (ii) Where a delay or failure or failure to publish is due to unforeseen circumstances out of our control, or the control of our agents. This includes, but is not restricted to: strikes, labour disputes or malicious damage involving employees, strikes, and legislative constraints, failure of I.T infrastructure, failure of telecommunication links, utilities failure, fire, flood, government act, and act of God.
  • 4. Cancellations and Refunds

  • 4.1 Where a minimum term of 12-month membership is ordered, cancellations are not permitted until the end of such period, nor are part cancellation or reimbursement of cost of issues not yet sent to you. However, we allow an initial cancellation period of membership within 14 days of formation of this contract. You will need to write to our customer services team within such period by clicking here and provide the reason for cancellation. You will receive a full refund, made in sterling.
  • 4.2 Where a monthly membership is ordered, cancellations are permitted up to 10 working days before your next payment. We allow an initial cancellation period of membership within 14 days of formation of this contract. You will need to write to our customer services team within such period at customersupport@focusfinance.co.uk or by clicking here and provide the reason for cancellation.
  • 4.3 Your Focus Finance memberships may start with a free trial. The free trial period of your membership lasts for one month, or as otherwise specified during sign-up and is intended to allow new members and certain former members to try the service.
  • 4.4 Free trial eligibility is determined by Focus Finance at its sole discretion and we may limit eligibility to prevent free trial abuse. We reserve the right to revoke the free trial and put your account on hold in the event that we determine that you are not eligible. We may use information such as device ID, method of payment or an account email address used with an existing or recent Focus Finance membership to determine eligibility. For combinations with other offers, restrictions may apply.
  • 4.5 We will charge your Payment Method for your monthly membership fee at the end of the free trial period unless you cancel your membership prior to the end of the free trial period To view the monthly membership price and end date of your free trial period, please refer to the original email sent when the contract was formed.
  • 5. Price guidelines

  • 5.1 Prices are clearly displayed online at focusfinance.co.uk. Prices include delivery charge and VAT (where applicable). You will make a one-off payment for a 12-month term on the date agreed on the formation of your contract. We reserve the right to increase or decrease our pricing at any time, and will occasionally run reader offers and events promotions at a reduced price to attract new memberships (Reduced Price Sales). The price which you agreed to for the 12-month membership at that particular time is the price you are contracted at, and will not be increased or decreased for you during that 12-month period. You agree that you are not entitled to any refund of the membership cost initially agreed in relation to Reduced Price Sales.
  • 5.2 12 month memberships will automatically renew on a yearly basis, unless you notify us not less than 30 (thirty) days in advance of the annual renewal date that you no longer wish to subscribe. We will also notify you at this time of any changes in price for the next annual membership period.
  • 5.3 Monthly memberships will automatically renew on a month-to-month, unless you notify us not less than 10 working days before your next payment date that you no longer wish to subscribe. We will also notify you at this time of any changes in price for the following month’s membership period.
  • 5.4 If, for any reason, an error has occurred in terms of pricing you are offered for your order, we will notify you immediately. You will need to contact us to reconfirm the order, and if we are unable to contact you, it will be cancelled. If payment is taken incorrectly and processed twice, we will refund you the additional payment made.
  • 6. Authorisation of Payment

    If you are not over 18 years of age or not using your own bank account/card, you must ask permission of the bank or credit/debit card holder. By submitting payment, you are representing that you have obtained the express prior permission of the bank or credit/debit card holder.
  • 7. Liability

    Our liability to you in the event of any edition of the e-magazine being lost in processing by us shall, at our discretion, be limited to replacement of the missing issue. We confirm that the e-magazine shall match the description of the product you purchased and that we will deliver the e-magazine to you using reasonable care and skill and within a reasonable period of the publication of each issue of the e-magazine. To the extent permitted by law, we exclude all other liability to you. Our exclusions of liability shall not apply to any damages arising from death or personal injury cause by our negligence or that of any of our employees or agents.
  • 8. Personal Information

  • 8.1 We use the personal and transactional information you supply to us to fulfil your membership order. [We and any other companies associated with us may use your details and any information you provide us with primarily for the purposes of managing your relationship with us. You agree, however, that we may share this information with third parties for the purpose of debt recovery and marketing activities. You acknowledge and agree that such data may be held by us (and/or transferred) outside the European Economic Area. You further agree that we may communicate with you via email or other electronic means.]
  • 8.2 You have the right to request access to any personal information that we hold about you by writing to us. If you have any other questions or concerns regarding the way we handle or process data that may include you or your business, please email our customer services team on customersupport@focusfinance.co.uk. You may also request the deletion of personal information about you and/or that we cease to process your personal information and/or that we cease to use your personal information for marketing purposes by emailing us at the same email address and we will comply with any such request promptly.
  • 8.3 We confirm that we use reasonable efforts to ensure that purchasing your membership through us is completely safe and secure, but we shall not be responsible for any loss of data or any other loss in the event that such security is compromised. In particular, we will not be liable to you for any losses you may suffer as a result of unauthorised access by a third party to the personal or payment information you provide us. It is your responsibility to ensure the security of your own bank & credit/debit card details to avoid unauthorised use by a third party.
  • Your bank or credit card statement will be processed under our payment system provider & publisher
    Debit or Credit Card FocusFinance.co.uk
    Direct Debit DFSPUBLICATIONS.CO
  • 9. Variation

    These terms and conditions are subject to change at our election. We shall notify you of any such changes by email and/or update these terms and conditions on our website. Once we have communicated any such changes by email, or by updating our terms and conditions online you will automatically be bound by the revised terms and conditions.
  • 10. Membership Term


    If the Magazine changes frequency (so that the intervals between editions are longer than monthly), we will honour the number of issues that were originally due to you when the contract was formed.
  • 11. Governing Law

    These terms and conditions are governed by English law. You hereby irrevocably submit to the exclusive jurisdiction of the English courts, notwithstanding the jurisdiction where you are based.
  • 12. Queries

    If you have any queries about the membership, please do not hesitate to contact us: Online: focusfinance.co.uk
    Email: customersupport@focusfinance.co.uk

Prize Draw Terms and Conditions

1. The prize draw (the "Prize Draw") is open to people aged 18 and over who a valid membership the focus finance e-magazine.

2. Employees or affiliates of Focus Finance or its group companies or their family members, or anyone else connected with the Prize Draw may not enter the Prize Draw.

3. Entrants into the Prize Draw shall be deemed to have accepted these Terms and Conditions.

4. By submitting your personal information you agree to receive emails from Focus Finance containing offers and developments that we think may interest you. You will be given the opportunity to unsubscribe on every email that we send.

5. To enter the Prize Draw you must complete the click and play section and submit your name and email address. Purchase of a Focus Finance e-magazine membership is necessary. If you have any questions about how to enter or in connection with the Prize Draw, please e-mail us at customersupport@fofcusfinance.co.uk with "click to win" in the subject line.

6. Only one entry per person using the same email used for your membership. Entries on behalf of another person will not be accepted and joint submissions are not allowed.

7. Focus Finance accepts no responsibility is taken for entries that are lost, delayed, misdirected or incomplete or cannot be delivered or entered for any technical or other reason. Proof of delivery of the entry is not proof of receipt by Focus Finance.

8. The closing date of the Prize Draws is 23:59 on last day of each month. Entries received outside this time period will not be considered.

9. One winner will be chosen from a random draw of entries received in accordance with these Terms and Conditions. The draw will be performed by a random computer process. The draw will take place on the 1st of each month.

10. The winner will receive the prize stated against each months prize draw stated on the focus finance website.

11. Focus Finance accepts no responsibility for any costs associated with the prize and not specifically included in the prize (including, without limitation, travel to and from the restaurant).

12. The winner will be notified by email on or before the 10th of the following month and must provide a postal address to claim their prize. If a winner does not respond to Focus Finance within 14 days of being notified by Focus Finance, then the winner's prize will be forfeited and Focus Finance shall be entitled to select another winner in accordance with the process described above (and that winner will have to respond to notification of their win within 14 days or else they will also forfeit their prize). If a winner rejects their prize or the entry is invalid or in breach of these Terms and Conditions, the winner's prize will be forfeited and Focus Finance shall be entitled to select another winner.

13. The prize will be sent to the winner by post by Focus Finance.

14. The name and country of the winner can be obtained after 18th of each month by contacting customersupport@focusfinance.co.uk click to win winners details in the subject line.

15. The prize is non-exchangeable, non-transferable, and is not redeemable for cash or other prizes

16. Focus Finance retains the right to substitute the prize with another prize of similar value in the event the original prize offered is not available.

17. The winner may be required to take part in promotional activity related to the Prize Draw and the winner shall participate in such activity on Focus Finance's reasonable request. The winner consents to the use by Focus Finance and its related companies, both before and after the closing date of the Prize Draw for an unlimited time, of the winner's voice, image, photograph and name for publicity purposes (in any medium, including still photographs and films, and on the internet, including any websites hosted by Focus Finance and its related companies) and in advertising, marketing or promotional material without additional compensation or prior notice and, in entering the Prize Draw, all entrants consent to the same.

18. Focus Finance shall use and take care of any personal information you supply to it as described in its privacy policy, a copy of which can be seen here, and in accordance with data protection legislation. By entering the Prize Draw, you agree to the collection, retention, usage and distribution of your personal information in order to process and contact you about your Prize Draw entry, and for the purposes outlined in paragraph 14 above. Focus Finance accepts no responsibility for any damage, loss, liabilities, injury or disappointment incurred or suffered by you as a result of entering the Prize Draw or accepting the prize. Focus Finance further disclaims liability for any injury or damage to your or any other person's computer relating to or resulting from participation in or downloading any materials in connection with the Prize Draw. Nothing in these Terms and Conditions shall exclude the liability of Focus Finance for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence.

19. Focus Finance reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, this Prize Draw with or without prior notice due to reasons outside its control (including, without limitation, in the case of anticipated, suspected or actual fraud). The decision of Focus Finance in all matters under its control is final and binding and no correspondence will be entered into.

20. Focus Finance shall not be liable for any failure to comply with its obligations where the failure is caused by something outside its reasonable control. Such circumstances shall include, but not be limited to, weather conditions, fire, flood, hurricane, strike, industrial dispute, war, hostilities, political unrest, riots, civil commotion, inevitable accidents, supervening legislation or any other circumstances amounting to force majeure.

21. The Prize Draw will be governed by English law and entrants to the Prize Draw submit to the exclusive jurisdiction of the English courts.