These terms and conditions govern access to and use of our web site (the "Site"). By accessing and using the Site, you agree to be bound by these terms and conditions. If you do not agree with any part of the following, please do not use the Site. We reserve the right to change these terms and conditions at any time. Amendments will take effect when posted on our Site and you agree that it is your responsibility to be aware of any changes made to these terms and conditions.

Definitions in this Agreement:

"the Internet" means the global data network comprising interconnected networks using Transmission Control Protocol/Internet Protocol;

"you" and "your" means you, the person entering into this agreement;

Your obligations:

You agree that you will only access and use the Site in accordance with these terms and conditions and in accordance with and subject at all times to all applicable laws and regulations anywhere subsisting in the world. We reserve the right without notice at any time and at our sole discretion to suspend or discontinue your access to or use of the Site in the event that such access or use would be unlawful under any applicable law or regulations anywhere subsisting in the world.

You represent, warrant and undertake that you will not directly or indirectly act or omit to act in any way which may infringe, damage or endanger any intellectual property rights (or any goodwill attaching thereto) which may now or in the future subsist in any part of the world of us or any third party and will not knowingly permit any other person to do so.

You are responsible for the content of and all information contained in your communications to the Site, including the lawfulness, truthfulness, decency and accuracy of any such communications. You are also solely responsible for the use to which you put all information, data and results from the Site.

You will provide your own personal details as requested upon registration, including your full name and address.

You may not in any circumstances do any of the following on or in relation to the Site: commit or encourage a criminal offence; send or receive any material which is offensive, or which we believe maybe abusive, defamatory, indecent, obscene or menacing, or in breach of confidence, copyright, privacy or any other rights; act in any manner contrary to applicable law or regulation, or in any way that may in our opinion have an adverse effect on the Site; insert or knowingly or recklessly transmit or distribute a virus; corrupt data; cause annoyance to subscribers or others; use any domain name or mailbox name so as to infringe upon the rights of any other person whether in statute or common law, in a corresponding trade mark or name; send or receive material protected by intellectual property laws or any other laws anywhere in the world unless you own those rights or have received all necessary consents; impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity; employ a misleading email address or name or falsify any information in any part of any communication, including without limitation any email; hold us or any of our third party contractors liable in relation to the accuracy, reliability, availability and/or performance of resources accessed through the Internet which, you acknowledge, are beyond the control and are not in any way warranted or supported by us or our third party contractors; or permit any third party to do any of the above.

Intellectual property

The Site (including the design, text, graphics and any other material appearing on the Site), its content and software are protected by copyright, trade marks and other intellectual property rights which are owned or controlled by us or third parties who have granted us licenses to use the same. You agree to comply with all copyright notices, information or restrictions contained in any information accessed through the Site. You may store, manipulate, analyze, reformat, print and display the content supplied solely for your own personal use. In no event are you permitted to publish, re-transmit, re-distribute or otherwise re-produce any of the content supplied to you or which appears on this site in any format to anyone and you are prohibited from using any such content in connection with any business or commercial enterprise including, without limitation, any securities, investment, accounting, banking, legal or media business or enterprise.

Disclaimer:

We are providing the Site on an "as is" basis and make no representations or warranties of any kind with respect to the Site, the content contained on it (including any text, graphics, advertisements, links or other item), and disclaims all such representations and warranties. Whilst we try to make sure that the information contained on the Site is as accurate as possible, neither us, our third party contractors nor any other contributor to the Site makes any representation or gives any warranty, condition, undertaking or term either express or implied: as to the condition, quality, performance, accuracy, suitability, fitness for purpose, completeness, or freedom from viruses of the content contained on the Site or that any such content will be accurate and up to date; that the Site will be uninterrupted, reliable or error free; that any services we provide or that are otherwise available to you through or in relation to the Site will be provided with due care and skill.

Liability:

All warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

Save in respect of liability for death or personal injury arising out of negligence, all contributors to this Site hereby disclaim and exclude to the fullest extent permitted by law all liability for any loss or damage whatsoever and howsoever incurred including any direct, indirect, consequential, special or secondary loss or damage including any damage to goodwill or property or with respect to loss of data, income or profits or any loss of anticipated savings incurred by you, whether arising in tort, contract or otherwise, and arising out of or in relation to or in connection with your access to or use of or inability to use this Site, or any software or content supplied to you in connection with the Site, or any services we provide or make available to you through or in relation to our Site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure even if we or our employees or agents are advised of the possibility of such damages, losses or expenses.

Our maximum aggregate liability under this agreement whether arising from negligence, breach of contract or otherwise shall be limited in respect of one incident or series of two or more related incidents to an amount equal to the cover provided to us under our policies of insurance. Any dealings you have with third parties via the Site are your responsibility. Should a dispute arise between yourself and any third party due to use of the Site we will use our reasonable endeavors to assist its resolution but we will not be responsible for any loss or damage suffered as a result.

We may provide links, including hypertext links, from our Site to other websites, resources, advertisements or sponsorships, either directly or indirectly through the contractual partners, which are not under our control. Information contained on the Site which has been provided by third parties and/or information on any other website which is accessed via the Site has not been independently verified by us. We accept no responsibility for these links and do not endorse their contents and we shall have no liability to you for any failure on the part of the operator of the linked site or any of its suppliers to fulfill any obligation owed to you or for any defective or deficient product or service any of them might supply to you. If you decide to access other websites, you do so completely at your own risk.

Indemnity

You will fully indemnify and hold us harmless from and against any and all actions, threats, proceedings, claims, liabilities, losses, damages, costs and/or expenses (including without limitation reasonable legal expenses, direct, indirect or consequential losses, economic losses or other loss of profits, business or goodwill) which may be suffered or incurred by us and/or our employees and/or agents directly or indirectly arising out of or in connection with any breach by you of these terms and conditions.

Variation of content:

We reserve the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content which appears on any page of this Site.

Data Protection

The privacy of your information is very important to us and our Privacy Policy covers our use of any information you provide. By clicking on the "I Accept" button, you accept the terms of our Privacy Policy.

Submissions:

All information and material submitted to and accepted by us via the Site by way of contributions to chats, discussions and user reviews shall be deemed to be and shall remain our property. We shall be free to use, edit, copy, republish and distribute (for any purpose) any such information and material. We shall not be subject to any obligations of confidence regarding such information or materials except as required by law. If you use our Chat rooms, you are deemed by us to have also accepted and you are legally bound by our Chat Room Rules which appear on our Site and which may be modified from time to time. By accessing the discussion forum on our Site, you are deemed by us to have agreed and are legally bound by the terms and conditions relating to the discussions' forum and you are also bound to by the Discussions Guidelines posted on our Site as modified from time to time.

Termination of access

We reserve the right in our sole discretion to deny you access to our Site or any part of our Site without notice if you are in breach of these terms and conditions.

Invalidity:

If any part of our terms and conditions is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of these conditions will not be affected.

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