Terms & Conditions

These Terms and Conditions apply to your use and subscription to International Living publications and its websites. By using our services you agree to be bound by these Terms and Conditions and they shall constitute an agreement between you and International Living (‘IL, ‘us’, ‘our’, ‘we’). These Terms and Conditions apply to your visit to and use of our websites and the purchase or use of any products from us, whether physical or digital (“Products”).

All information contained on our websites (our websites include any website that is operated by us and offers one or more publications that we publish) and in emails and other electronic services is general advice; your personal circumstances have not been taken into account. If you’re in doubt about the suitability of an investment, it is a good idea to seek professional financial advice.

Access to Information

Users will only have access to the services they are subscribed to. For paid services, only a paying member has access to the subscriber-only section of the websites and emails. Subscribers must not reveal any username(s) or password(s) or forward paid services emails to any third party. The free e-letters can be viewed on their dedicated websites or subscribed to by email.

Use of Copyright Material

All material published on our websites is owned or provided under licence by International Living. Content in the free e-letters may be republished only if you acknowledge the e-letter as the source and provide a link to its dedicated website. Content in our paid subscriptions is not to be reproduced, forwarded, or disclosed without our prior written permission.

Advertising in free emails

We fund free emails by taking advertising. There are two small ads in each free email, and then two or three times a week we will send you separate promotional emails, which will contain advertisements from us or from other companies.
By subscribing to any of our free emails, you are consenting to receive these promotions. We cannot send you a free email alone without the promotional emails. You can unsubscribe from free emails at any time by clicking the unsubscribe link at the foot of the email. For more details see our Privacy Policy.

Security Policy and Our Services

When purchasing from International Living your financial details are passed through a secure server using the latest 128-bit SSL (secure sockets layer) encryption technology. 128-bit SSL encryption is the industry standard, however IL does not warrant or represent that it provides a totally secure online service. If you have any questions regarding our security policy, please contact our customer services team https://internationalliving.com/about-il/customer-service/.

Given the nature of electronic and telecommunications services and the fact that IL does not own, operate or control these systems, IL does not promise to make its subscriptions and other online and electronic services and offerings continuously available or virus or fault free. Likewise, we do not promise to make any of our services available by a particular time or method.

Information, opinions, comments and reports have been produced in good faith and based on information collected from wide-ranging sources believed to be correct and accurate at the time of publication. International Living exercises due care in the research, preparation and delivery of its services. However, we do not represent or warrant that any service or content we provide is accurate, reliable, suitable, complete or of a particular quality.

Disclaimer of Warranties

WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND THAT EXTEND BEYOND THE EXPRESS DESCRIPTION ON THE FACE OF THE WEBSITES AND THE PRODUCTS. WITHOUT LIMITING THE FOREGOING, INTERNATIONAL LIVING MAKES NO IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE WEBSITES OR THE PRODUCTS. INTERNATIONAL LIVING DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, COMPLETE, ACCURATE, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE WEBSITE WILL BE CORRECTED. THE WEBSITES AND THE PRODUCTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

Our liability to you

Except as expressly required by legislation, we accept no Liability to You (including, without limitation, by way of negligence) arising from the provision (or non-provision as the case may be) of any of our services. To the extent permitted by legislation, we limit any liability we may have to you to the resupply of services or refunding any unused portion of your annual subscription (where relevant).

None of IL and its employees, directors, agents or associates guarantees the performance of any security or other financial product (or class of financial product) that is reviewed, recommended or opined on in any of our services. We strongly recommend you make your own inquiries and seek professional advice before making any investment decisions.

To the extent permissible by applicable law, in no event will you be entitled to recover from International Living any indirect, consequential, incidental, punitive, exemplary, or special damages arising out of (i) the use or inability to use the Websites, (ii) any transaction conducted through or facilitated by the Websites, (iii) the purchase of any Products on the Websites, (iv) any claim attributable to errors, omissions, or other inaccuracies in the Websites, (v) unauthorized access to or alteration of your transmissions or data, or (vi) any other matter relating to the Websites or the Products. SOME STATES, INCLUDING NEW JERSEY, DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, AND SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY IN THOSE STATES.

Cancellation Policy, Pricing and Trial Periods

Your order will be processed in 3-5 business days from the date it was placed.

If your order is on backorder, you will be notified. The order will be processed once the item is back in stock.

The transaction will be reflected on your card statement as either “Int’Living” or “PSV*Int’Living”

Shipping fees and options, where applicable, are clearly disclosed on your order form at the time of purchase.

We reserve the right to refuse subscription. When you subscribe to an International Living publication you enter into a continuing agreement for that publication, which is charged either yearly or quarterly (‘the subscription period’), depending on the offer taken up.

Each subscription period must be paid in full prior to starting the subscription period. We will cancel your subscription if the subscription period is not paid in advance or if you give us written notice that you wish to cancel.

You will not be entitled to any refund of subscription fees if you decide to cancel your subscription during the subscription period (after any applicable trial period). A pro rata refund may be applicable on a case-by-case basis. The prices for new subscriptions will be communicated to you prior to subscribing.

If you wish to cancel your subscription, you may contact us here or call 800-681-2402 between 8am until 7pm EST Mon-Fri

The refund and credit policy applicable to your purchase can be found on your order form and in your confirmation email.

Each newsletter offers a trial period for new subscribers only. If you have subscribed to a newsletter previously and ceased your subscription for any reason, you will not be entitled to another trial period should you decide to resubscribe at a later date. A person deemed to be abusing the trial period feature may be refused subscription to other IL products or services. Subscription fees must be paid in full before subscribing. Should you cancel within the trial period you will receive a full refund unless otherwise stated.

From time to time we may offer free trials of our newsletters. A person who subscribes to an International Living publication under a free trial offer will not be charged the subscription fee at the beginning of the subscription period. If at the end of the free trial period a subscriber has not cancelled their subscription their credit card or debit card will be charged with the subscription fee.

We can review and alter our prices for any subscription period at any time. Any changes to pricing for existing subscribers will take effect when your next subscription period starts. If the price for your next subscription period is to increase we will let you know before it changes.

All prices are quoted in US dollars and include any postage. Items will be mailed within five business days.

Commenting on our websites

You are welcome to participate on our Websites by posting comments at the end of each article. Please note that in order to post a comment you will be required to submit your email address. This DOES NOT make your email address publicly accessible. Nor does it subscribe you to our e-letters.

You must submit a name to post a comment, but it does not have to be your name — aliases are completely acceptable as long as they are unique and not meant to impersonate another person (i.e. “Barack Obama” is not acceptable) or are considered by International Living, at its sole discretion, to defame another person, to be offensive or otherwise unacceptable.

You are responsible for the content of your messages and you are liable for activities conducted by you, by others authorized by you, or otherwise acting on your behalf.

By submitting messages you agree to indemnify and to continue to indemnify International Living to the full extent possible under the law against all claims, costs and expenses (including but not limited to reasonable legal and administrative expenses) arising out of any such messages.

Messages are submitted by users over whom we have no control. We cannot guarantee the accuracy, integrity or quality of these messages. Some users may breach these Terms and Conditions and post messages that are misleading, untrue or offensive. To the extent allowable under the law, you bear all risk associated with your use of our websites and you should not rely on messages in making (or not making) any specific investment or other decision. In the event that you have any right, claim or action against any users arising out of that user’s messages, then you will pursue such right, claim or action independently of, and without recourse to, us.

To the extent allowable under the law, we expressly exclude our liability for any loss or damage arising from the posting of messages by any person on our websites.

We have the right to moderate all comments and we reserve the right to remove any comments which we deem, in our absolute discretion, to be advertisements, offensive, illegal, defamatory, contain profanity, or are otherwise considered to be unacceptable.

Unlawful Activity

International Living has the right to investigate any breach or complaint about a violation of these terms and conditions. International Living will take any necessary action to protect itself and may report any unlawful activity to the relevant legal authorities.

Breaching the Terms and Conditions and Cancellation

Any subscriber or website user found to be in breach of these Terms and Conditions may have their subscription or website access suspended, amended or cancelled. We reserve our right to take whatever action is available to us under the law.

We reserve the right to cancel any subscription at any time, for any reason, regardless of whether a breach of these terms and conditions has occurred. Where we cancel your subscription, the unused portion of your subscription will be refunded on a pro rata basis.

Dispute Resolution by Mandatory Arbitration and Class Action Waiver

Any dispute relating in any way to your visit to or use of the Websites, the Products (including the purchase or use of any Products or any other purchases made on or through the Websites), or otherwise related to this Agreement or your relationship with International Living (“Disputes”), shall be resolved exclusively through confidential arbitration, rather than in court, and shall be governed exclusively by the laws of the State of Maryland, without regard to principles of conflict of laws. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. Any question as to the validity of this arbitration agreement shall be submitted to confidential arbitration and decided by an arbitrator.

If a Dispute arises, you agree to first contact us at 410-783-8408 or [email protected] Before formally submitting a Dispute to arbitration, you and we may choose to informally resolve the Dispute. If any Dispute cannot be resolved informally, you agree that any and all Disputes, including the validity of this arbitration clause and class action waiver, shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in a location convenient to you or telephonically. Either you or we may commence the arbitration process by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. We will pay the filing costs. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes, in effect at the time of submission of the demand for arbitration. The AAA’s rules are available at www.adr.org. A form for initiating arbitration proceedings is available on the AAA’s site at http://www.adr.org. To the fullest extent permitted by applicable law, no arbitration of a Dispute may be joined to an arbitration involving any other party subject to this Agreement, whether through a class action, private attorney general proceeding, class arbitration proceedings or otherwise. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration.
Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated only in the state and federal courts of Maryland: (i) any dispute, controversy, or claim relating to or contesting the validity of our or one of our family company’s intellectual property rights and proprietary rights, including without limitation, patents, trademarks, service marks, copyrights, or trade secrets; (ii) an action by us for temporary or preliminary injunctive relief, whether prohibitive or mandatory, or other provisional relief; (iii) any legal action by us against a non-consumer; and (iv) interactions with governmental and regulatory authorities.

The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. If an arbitrator or court decides that any part of this arbitration agreement is invalid or unenforceable, the other parts of this arbitration agreement shall still apply; however, if an arbitrator or court decides that the class action waiver is invalid or unenforceable, then the entirety of this arbitration agreement shall be null and void.

YOU UNDERSTAND THAT YOU WOULD HAVE HAD A RIGHT TO LITIGATE IN A COURT, TO HAVE A JUDGE OR JURY DECIDE YOUR CASE AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. HOWEVER, YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION. You shall have thirty (30) days from the earliest of the date that you visit the Website or the date you purchase a Product or submit information to or through the websites to opt out of this arbitration agreement, by contacting us by email at [email protected] If you do not opt out by the earliest of the date that you visit the websites, or the date that you purchase a Product or submit information to us through the websites, then you are not eligible to opt out of this arbitration agreement.

Notice to California Consumers

Under California Civil Code Section 1789.3, users of the websites from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. International Living may be contacted in writing at International Living, Woodlock House, Carrick Road, Portlaw, Co. Waterford, Ireland or by telephone at 1-855-719-5394.

General Provisions

If any provision of this Agreement is deemed invalid, unlawful, void, or unenforceable by an arbitrator or (if proper) a court of competent jurisdiction, then that provision will be deemed severable from this Agreement, and the remaining provisions shall not be affected thereby and shall continue in full force and effect. Except as expressly set forth in this Agreement, no failure or delay by you or International Living to exercise any rights, powers, or remedies under this Agreement will operate as a waiver of that or any other right, power, or remedy. We will not be liable or responsible to you, nor be deemed to have defaulted or breached this Agreement, for any failure or delay in our performance under this Agreement when and to the extent such failure or delay is caused by or results from acts or circumstances beyond our reasonable control.

Changes to these Terms and Conditions

We may change all or part of these Terms and Conditions at any time. If we do, the new Terms and Conditions will be posted on our websites. Your subsequent or continued use of this website and/or receipt of our emails will constitute your acceptance of any changes. If you object to any changes to the Terms and Conditions, your only remedy is to discontinue your use of the website or cancel your subscription with us. As you are bound by these Terms and Conditions, we recommend that you periodically refer to them.

If you have any queries relating to these Terms and Conditions please contact our customer service department here – https://internationalliving.com/about-il/customer-service/ or write to us at:

International Living Publishing Ltd is a private limited company registered in Ireland, No.285214. Registered Office: Woodlock House, Carrick Road, Portlaw, Co. Waterford, Ireland.

All content is © 2020 International Living All Rights Reserved.