Terms & Conditions

Effective Date: 17 April 2025

Welcome to Challenger Research Ltd (“we”, “our”, or “us”). These Terms and Conditions (“Terms”) govern your use of our website and the purchase and use of our digital products. By accessing our site or purchasing our products, you agree to these Terms in full.

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1. Intellectual Property

All content, reports, data sets, publications, and other digital products available on this site are the exclusive intellectual property of Challenger Research Ltd. These materials are protected by copyright and other intellectual property laws. You may not reproduce, redistribute, resell, or exploit any portion of our digital goods without our express written permission.

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2. License of Use

Upon purchase, you are granted a non-transferable, non-exclusive license to use the digital goods for your personal or internal business use only. This license does not permit:

• Sharing products with third parties

• Publishing or distributing materials publicly

• Modifying or creating derivative works

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3. Payment and Access

All prices are listed in GBP (£) and are subject to change without notice. Access to digital products will be provided upon confirmed payment. All sales are final unless stated otherwise.

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4. No Refund Policy

Due to the digital nature of our products, all sales are final and non-refundable. Please ensure that you have reviewed all product details before completing your purchase.

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5. Disclaimers

Our research is crafted with rigor and care. However, we make no warranties or guarantees regarding the accuracy, completeness, or suitability of the information for any particular purpose. Use of our products is at your own discretion and risk.

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6. Limitation of Liability

In no event shall Challenger Research Ltd, its directors, employees, or affiliates be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our digital goods.

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7. User Conduct

You agree not to misuse our products or engage in any activity that infringes on our rights or the rights of others. Any misuse may result in termination of your access without refund.

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8. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles.

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9. Changes to Terms

We reserve the right to update these Terms at any time. Continued use of our website or products after changes are posted constitutes your acceptance of those changes.