Terms of Use

We have made this website available to you for your non-commercial use, and we may modify, withdraw or deny access to this website at any time. Our website and all the materials contained in it are protected by intellectual property rights, including copyright, and those rights are either ours or someone else has licensed to us to use it – you may not copy, redistribute, republish or otherwise make the materials on this website available to anyone else without our consent in writing. You can, however, print or download materials from this website for your use provided that:

  • our copyright and trade mark notices appear in all copies and you acknowledge this website as the source of the material; and
  • if you have our permission to provide these materials to another person, you ensure they are made aware of these restrictions

Content Disclaimer

We do not intend any of the information on our website, including all research, opinions or other content to (and it does not)) constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action which might affect your personal property, finances or business you should take appropriate advice from a suitably qualified person.

Our website may include technical, typographical or other inaccuracies and we urge you to contact us to confirm all information contained on this website before placing any reliance on it. We do not otherwise accept, and we disclaim, any liability arising from any reliance you may place on any information contained on our website. We periodically change the information on our website, which will be incorporated in new editions of this website. We reserve the right to alter or amend without notice any criteria or information set out in our website. Be aware that any projections, plans or objectives or future economic performance contained on our website are only predictions and that actual events or results may differ materially.

No offer

We do not intend that anything on our website should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the website. Our provision or offer of any services or product is subject to the full and compliant completion of our application forms and other required documentation. We reserve the right to reject at our absolute discretion any application submitted for services contained on this website.

Limitation of liability

Your use of and reliance on this website is entirely at your own risk. The information contained on this website is given for general information and interest, and marketing purposes only. Whilst we try and ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information.

We shall not be liable in respect of any loss, damage or damages however arising and whatever the cause, your access to the website or from your inability to access the website. We do not accept any liability for any acts or omissions arising in relation with any decision or opinion you form on the basis of your use of our website. You use our website at your sole risk. We are not and will not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the website to the maximum extent permitted by law.

We cannot guarantee that our website will be compatible with your operating system or software, nor that despite our best efforts our system will always be free of malware or other errors, nor always available. We are not liable to you for any physical loss or damage to your computer as a result of your use of this website, including any damage arising as a result of a virus or other malware. You have sole responsibility for adequate protection and back up of data and/or equipment.

Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption.