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Search our Help Centre


 1. About our Terms
 2. Your Subscription to the FT Services
 3. Using FT.com
 4. Your Privacy and Personal Information
 5. Limitation on Our Liability
 6. Corporate Information
 7. Changes to these Terms and Conditions
 8. Law and Jurisdiction
 9. General


TERMS AND CONDITIONS


1. ABOUT OUR TERMS

1.1. We are The Financial Times Limited (""we", "us", or "our"), a limited
company registered in England and Wales and our registered address is Bracken
House, 1 Friday Street, London, England, EC4M 9BT. Our company number is
00227590, our UK VAT registration number is GB226162332 and our data protection
registration number is Z7087146. If you need any of our other tax ID numbers
please contact Customer Care

1.2. These Terms and Conditions apply whenever you :

 * use FT.com, FT.com mobile and online digital apps and services (together
   “FT.com”) and access the content and services available on them including the
   Financial Times newspaper (the “Newspaper”) (together, the “FT Content”); and
 * purchase access to FT.com, the Newspaper and/or the FT Content (together, the
   "FT Services") on a subscription basis.

1.3. You should read these Terms and Conditions carefully before using FT.com
and/or FT Content or subscribing to the FT 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 FT.com 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 FT Services or if
you have any difficulties using FT.com, please chat with us online, call us on
your regional telephone number, or email us at help@ft.com.


2. YOUR SUBSCRIPTION TO THE FT SERVICES

Subscribing to the FT

2.1. We offer a range of subscriptions:- 

 * to FT.com (“Digital Subscriptions”);
 * the Newspaper (“Print Subscriptions”),
 * to both FT.com and the Newspaper (“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 FT.com, by phone, email, using our Live Chat on FT.com 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 FT.com. 

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 FT 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 Newspaper 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 Newspaper
and seen by third parties, and we cannot guarantee that these requests will be
fulfilled.

2.14. We aim to commence delivery of your Newspaper 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 Newspaper 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 of 4 weeks or fewer).

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 Newspapers (subject to availability) at
participating UK retailers on the date shown on the voucher, except FT 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. Paper and
digital voucher subscriptions cannot be suspended by you at any time. 

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 FT 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 FT Services.
 * You may terminate your Subscription immediately in writing to FT if FT.com is
   unavailable or inaccessible to you for either (a) any 72 hour period during
   your Subscription; or (b) more than five 24-hour periods over a 30 day
   period; in either case as a direct result of a fault or failure of FT, 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.

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 help@ft.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 Newspaper
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. You will not be entitled to suspend your Subscription if
you use paper or digital vouchers.

Our Cancellation Rights

2.23. We may suspend or terminate your Subscription if we are prevented from
providing services to you, or accepting payment from you, by applicable law
or circumstances beyond our control, or if we cease publishing the Newspaper or
FT.com or FT Services. If we terminate for any of these reasons, we will provide
you with a pro rata refund to the extent permitted by applicable law.

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 FT 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 FT 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 Newspaper 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 FT Services by exchanging the Newspaper 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 FT.COM

Ownership of FT.com and FT Content

3.1. FT.com and FT 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 FT.com
or the FT Content other than as necessary to enable you to access FT.com and use
the FT Services. You agree not to adjust, to try to circumvent or delete any
notices contained on FT.com (including any intellectual property notices) and in
particular in any digital rights or other security technology embedded or
contained within FT.com.

3.3. "FT" and "Financial Times" are registered trade marks and you may not use
them without written permission from FT. You are permitted to use the FT Content
only as set out in our Copyright Policy.

Accessing and using FT Content 

3.4. You agree to comply with our Copyright Policy when using FT Content. You
are responsible for all use of FT 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 FT 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 FT Content will vary depending on whether you have a FT
Standard or FT Premium Digital Subscription. An FT Standard Subscription
provides an overview of the most important business, political and economic
stories from around the world whereas an FT Premium Subscription gives readers
full access to FT 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 FT Premium
subscriptions is made available to FT 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 FT Content
will be used by FT 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 FT immediately by e-mailing us at help@ft.com. We recommend that you
do not use FT.com’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 FT.com and
your Subscription details.

User Generated Content

3.10. FT.com includes comments sections, blogs and other features that allow
interaction between users and between users and FT 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 FT 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
FT.com 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 FT 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 FT.com 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 FT to fully monitor all UGC published on FT.com 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 FT.com and act accordingly. This may
include banning a user from participation in UGC on FT.com. If you are aware of
any such UGC, please notify us immediately with specific details by contacting
us at help@ft.com.

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

Accuracy of information and availability of FT.com

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

3.16. FT 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 FT.com you
acknowledge that these areas of FT.com 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 FT.com or any part thereof at any
time as we see fit.

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

Third party sites and products

3.20. FT.com 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) FT.com 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. FT makes no warranty, express or implied, regarding your Subscription,
FT.com, FT Content or FT Services, which are 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.

5.2. 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 FT.com, FT Content
or FT Services:
(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 the FT when the
contract was formed;
               (ii) any loss that was not caused by any breach on FT’s 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.

5.3. The limitations of liability in this section 5 apply for the benefit of FT,
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. Other than as set out in section 6.2 below, you will be contracting with
The Financial Times Limited for any Subscriptions. The Financial Times Limited
is the publisher of the Newspaper and FT.com, and its corporate details are set
out at section 1.1.

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

 * Americas: F.T. Publications, Inc, whose principal place of business is at 330
   Hudson Street, 8th Floor, New York, NY 10013, USA.
 * Japan or South Korea: The Financial Times (Japan) Limited, whose principal
   place of business is at 10F Nihon Keizai Shimbunsha Tokyo Honsha Building,
   1-3-7 Otemachi, Chiyoda-ku, Tokyo, 100-8066, Japan.
 * Singapore: The Financial Times (Singapore) Pte Limited, whose principal place
   of business is at 60 Anson Road, #06-02 Mapletree Anson, Singapore 079914.
 * Asia (other than Japan, South Korea or Singapore) or Oceania: The Financial
   Times (H.K.) Limited, whose principal place of business is at 6/F Nan Fung
   Tower, 88 Connaught Road, Central, Hong Kong.

6.3. The Managed Funds and Personal Finance areas of FT.com are operated
separately by FT Personal Finance Limited whose corporate details are as
follows: registered office address is Bracken House, 1 Friday Street, London,
EC4M 9BT; company number is 3855520; VAT number GB226162332; and Data Protection
Registration Number is Z7670392.


7. CHANGES TO THESE TERMS AND CONDITIONS

7.1. These Terms and Conditions were published on 1 March 2022 and replace with
immediate effect the Terms and Conditions previously published on 25 November
2021. 

7.2. We may update these Terms and Conditions for legal or regulatory reasons,
or to reflect changes in our services or business practices. We will provide
notice of any significant changes below. You should regularly check this
section to see if any changes have been made. If you are a paying subscriber,
any changes to our terms and conditions will become effective from the date of
your next payment following the change unless we notify you otherwise. If you
are not a paying subscriber, any changes will become effective as soon as we
post them on FT.com.


8. LAW AND JURISDICTION

8.1. If you are a user whose principal address or principal use of FT.com occurs
in any jurisdiction other than the United States then these Terms and Conditions
will be subject to English law. In this case, to the extent possible in the
applicable jurisdiction, both you and we agree that the courts of England will
(subject to the final paragraph in this section 8) have non-exclusive
jurisdiction to settle any dispute which may arise out of, under, or in
connection with these Terms and Conditions.

8.2. If you are a user whose principal address or principal use of FT.com occurs
in the United States then these terms and conditions will be subject to the laws
of the State of New York, without regard to its conflict of laws provisions. In
this case, to the extent possible in the applicable jurisdiction, both you and
we agree that the courts of the State of New York will (subject to the final
paragraph in this section 8) have non-exclusive jurisdiction to settle any
dispute which may arise out of, under, or in connection with these Terms and
Conditions.


9. GENERAL

9.1. We shall have no liability to you for any breach of these Terms and
Conditions caused by any event or circumstance beyond our reasonable control
including, but not limited to, strikes, lock-outs or other industrial disputes;
epidemic or pandemic; breakdown of systems or network access; or flood, fire,
explosion or accident.

9.2. You may not license or transfer any of your rights under these Terms and
Conditions. We may transfer any of our rights or obligations under these Terms
and Conditions to any company within the Financial Times group of companies, but
if we do so we will ensure that any company to whom we transfer our rights or
obligations will continue to honour your rights under them.

9.3. If any provision of these Terms and Conditions is found to be invalid by
any court having competent jurisdiction, the invalidity of that provision will
not affect the validity of the remaining provisions of these Terms and
Conditions, which will remain in full force and effect.

9.4. Failure by either party to exercise any right or remedy under these Terms
and Conditions does not constitute a waiver of that right or remedy. Headings in
these Terms and Conditions are for convenience only and will have no legal
meaning or effect.

9.5. These Terms and Conditions (together with the documents referred to within
these Terms and Conditions including in sections 1.4 and 2.1) constitute the
entire agreement between you and the FT relating to your use of the FT Services.
They supersede all previous communications, representations and arrangements,
either written or oral.

9.6. FT.com is best viewed with one of our supported browsers. Our current list
of supported browsers and the degree to which they are supported can be
found here. Any payment information you send to us over the Internet is
encrypted using 128 bit Secure Socket Layer technology. SSL is currently the
preferred method to securely transfer credit card data over the Internet.

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