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    Access to this Site

    Access to this site is open to any individual of any age. To make purchases from this site you must be at least 18 years of age.

    At times you may be asked for information when accessing this site. It is part of the terms of using this site that you will only provide correct, current and complete information. If our enterprise determines that the information you provide is not correct we have the right to refuse you acccess to any of our sites and all associated resources, and to suspend or terminate this access at any time and without prior notice.

    This site uses cookies to help you navigate and use it. If you do not wish cookies to be used by the site, please disable the use of cookies in your web browser.

    Restriction of Use

    You may use this site only for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose without express permission from our enterprise. Nor may you authorize any other party to do so without express permission from our enterprise. For example, this site may not be encapsulated by any other site, nor may our brands be used by others without express permission. By using our site, you agree to cooperate with us to resolve any unwarranted use of our site, branding, logos, etc.

    Proprietry Information

    The material and Content (hereafter referred to as the “Content”) of this site and accessible from this site, together with any other site owned and operated by our Enterprise is the PROPRIETRY INFORMATION of our Enterprise, or the party that provided the content to us. Our Enterprise retains all right, title and interest of all Content on any site operated and owned by us. Accordingly the Content may not be copied, distributed, republished, uploaded, posted or transitted in any way without the prior written consent of our Enterprise, unless specifically authorized in writing on the site. You may, however, print a copy of any Content on our sites for Personal Use only. In doing so, you may not alter, remove, or cause to be removed or altered any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing in any Content. Modification of, or the use of such proprietrary Content except as expressly provided for herein, violate our Enterprises Intellectual Property Rights. Neither title nor intellectual property rights are transferred to you by access to our site and Content.

    Links to Other Sites

    This site may be hyperlinked to other sites which are not maintained or related to our Enterprise. Such hyperlinks are provided as a service to users and are not affiliated with this site or our Enterprise. Our Enterprise has not reviewed any or all of such sites and is not responsible for content of such sites. Hyperlinks from our sites are accessed soley at the users risk and our Enterprise makes no representations or warranties about the content, completeness or accuracy of these hyperlinks or site hyperlinked to our Sites. Further, the inclusion of a hyperlink to a third party site does not necessarily imply endorsement of our Enterprise of that site or its contents.


    By use of our sites you grant to our enterprise the royalty free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, modify, reproduce, publish, translate, adapt, create works from, distrubute, perform and display all content, remarks, suggestions, ideas, graphics, and any other information communicated to our Enterprise through this Site (hereafter known as the Submission). Our Enterprise is not required to treat any Submission, as confidential or private and may include any Submission in any form in any media or technology, whether this be current or future. Our Enterprise may further include any Submission or any part thereof in other works in any form and may use such Submissions in our Enterprise without limitation without incurring any liability for royalties of any other consideration of any kind and will not incur liabilities as a result of any similarities that may appear in future operations of our Enterprise.


    By accessing this or any of our Sites you acknowledge and agree that our Enterprise does not and cannot guarantee or warrant that any files available for download from the Internet and our sites will be free of viruses, worms, trojan horses or other code that may manifest contaminating or destructive properties. It is the resposibility of the user of our sites to implement sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of any data sent and received by our sites and to maintain suitable means for reconstruction of lost data, external to our sites. Our Enterprise assumes no responsibility, liability or risk for your use of the Internet. The content on this site is not necessarily complete, nor up-to-date and should not be used to replace any written reports, statements or notices provided by the Enterprise. In the same manner Investors, borrowers and others should use the Content of this site solely as an educational medium and should not rely on the Content to the exclusion of professional judgement. Information obtained by using this site is not exhaustive and does not cover all issues, topics or facts that may be relevant to your subject and goals.


    Your use of this site is at your own risk. The content is provided AS IS and without warranties of any kind, either express or implied. Our Enterprise disclaims all warranties, including any implied warranties, of merchantability, fitness for a particular purpose, title, or non-infringement. Our Enterprise does not warrant that the functions or content contained in this site will be uninterupted or error free; that defects will be corrected or that this site, or the server that makes it available are free of viruses or other harmful components. Our Enterprise does not warrant or make any representation regarding use, the result of use, of the content in terms of accuracy, reliability, or otherwise. The Content may include technical inaccuracies or typographical errors and our Enterprise may make changes or improvements at any time. YOU and not our Enterprise assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage arising from the use of this Site or its Content. Our Enterprise makes no warranties that your use of the Content will not infringe the rights of others and assumes no liability or responsibility for errors or ommissions in such Content.

    All of the information on this site whether historical or forward-looking, speaks only as of the date the information is posted on the Site and our Enterprise does not undertake any obligation to update any information after it is posted or to remove said information from this Site if it is not, or is no longer accurate or complete.

    Limitation on Liability

    Our Enterprise, it’s subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, joint venture partners and directors will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including loss of revenue or income, pain and suffering, emotional distress or similar damages, even if our Enterprise has been advised of the possibility of such damages. In no event will the collective liability of our Enterprise and its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, joint venture partners and directors, to any party (regardless of the form of action, whether in contract, tort, or otherwise) exceed the greater of £100 or the amount you have paid to our Enterprise for the applicable Content, product or service out of which liability rose.


    You will indemnify and hold our Enterprise and its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, joint venture partners and directors (hereafter known as “The Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorised in these Terms Of Use. You agree that The Indemnified Parties will have no liability in connection with any such breach or unauthorised use, and you agree to indemnify any and all resulting loss, damage, judgements, awards, costs, expenses and attorney fees of The Indemnified Parties in connection therewith. You will also indemnify and hold The Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.


    Trademarks, service marks and logos appearing in the Site are the property of our Enterprise or the party that provided such trademarks, service marks and logos to our Enterprise. Our Enterprsie and any third party that provide trademarks, service marks and logos to our Enterprise retain all rights with respect to any of their respective trademarks, service marks and logos appearing in this site.

    Information You Provide

    You may not post, send, submit, publish or transmit in connection with this site, any material that:

    • you do not have the right to post, including proprietary material of any third party; advocates illegal activity or discusses an intent to commit an illegal act is vulgar, obscene, pornographic or indecent.
    • does not pertain directly to this Site.
    • threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive.
    • seeks to exploit or harm children by exposing them to inappropriate content, asking for pesonally identifyable details, or otherwise.
    • infringes any intellectual property or other right of any entity or person, including violating anyones copyrights or trademarks or their rights of publicity.
    • violates any law or may be considered to violate any law.
    • impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content.
    • advertises any commercial endevour (e.g. offering products or services for sale) or otherwise engages in commercial activity (e.g. conducting raffles, displaying sponsorship banners and/or soliciting services and goods) except as may be specifically authorised on this site.
    • solicits advertisers, sponsors or funds.
    • includes programs or other submissions which contain viruses, trojan horses, worms or any form of malicious computer code, files or programs, designed to interrupt, destroy, or limit the functionality of any computer software, hardware, communications or other services.
    • disrupts the normal dialogue, causes screens to move faster than a user can type, or otherwise act in anyway which might affect the ability of others to engage in legal realtime activities on or via this site.
    • includes files of various formats (mp3, etc), which produce sound and/or video, unless expressely permitted by this Site.
    • amounts to any form of pyramid scheme, or any other transgression of user rights.
    • disobeys any policy or regulations established periodically regarding the use of this Site or any networks connected to this site
    • contains hyperlinks to other siites that contain content that falls withing the limitations and descriptions set forth previously.

    Although under no obligation to do so, our Enterprise reserves the right to monitor our sites, including this site, for the purposes of determining compliance with the Terms of Sevice and other documents, and further, reserves the right to remove or refuse any information at any time, for any reason. You acknowledge and agree that you remain solely responsible for any submissions you may make and the content thereof. You further acknowledge and agree that neither our Enterprise nor any third party that provides Content to our Enterprise will assume or be held to have, any liability for any action or inaction by our Enterprise or such third party with respect to any submission.


    Any passwords issued by this Site and used for access to the Site are for individual use only. You are solely responsible for the security of your password (if any). Our Enterprise is and will be entitled to monitor your password, and at it’s discretion, require you to change it. Should you use a password our Enterprise considers insecure, our Enterprise will be entitled to require the password to be changed and/or terminate the account without notice.

    You are prohibited from using this Site or any services of facilities thereof, to compromise security or tamper with system resources or accounts on any of our Enterprise computers or those of our subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, joint venture partners and directors. The use of any program or software, or distribution of same, which is designed to compromise security of aforesaif computers in any way, is totally prohibited. This includes but is not limited to, password guessing, cracking tools, or network or other probes. If you are involved in any such violation of system security of any computer operated by our Enterprise or those of our subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, joint venture partners and directors, our Enterprise reserves the right to release your details to whomever we see fit, to assist them in reviewing security and stopping your violations. Our Enterprise reserves the right to investigate all suspected violations of our Terms of Use.

    Our Enterprise reserves the right to fully cooperate with any Law Enforcement Authority or Court Order requiring us to disclose the identity of anyone posting any email mesages, or publishing or otherwise making available any material that are beleived to violate these Terms of Use.

    By Accepting this agreement you waive and hold harmless our Enterprise from any clainms resulting from any action taken by our Enterprise during or as a result of our investigations and/or from any actions taken as a consequence of investigations by either our Enterprise or Law Enforcement Agencies.

    Privacy Policy

    This Privacy Policy is designed to assist you in understanding how this website collects and uses the personal information you provide. When you visit one of our Sites, you may provide two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse. Each time someone accesses on e of our Sites, the server records technical information about that person’s operating system, browser type and version, screen resolution, time taken on each page etc. No personal information is collected by this process. This information is solely analysed in order to improve this website and it’s content.

    Our sites use cookies to collect and store information on your computer to help streamline and improve your experience while using our site. You may choose to disable this service by accordingly disabling cookies in your web browser. This will still allow you to use our site, although you may have to re-enter information each time you visit.

    NO information provided by you to our websites will be shared with, sold to, or in any other way communicated to any third party. We believe that your information is valuable and thus take all necessary precautions to protect it.

    If you choose to correspond with us through email, the content of your email messages together with your email address and the response may be retained for future reference.


    If any part of these Terms of Use is deemed unlawful or void or unenforceable, that part will be deemed severable and will not affect the validity and enforcability of the remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain.

    Our Enterprise wamy revise or alter these Terms of Use at any time by updating this posting, and may do so without notice.

    Last Updated: January 2013