This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website (our site), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our website (the Website), you indicate that you accept these terms of use, the Privacy Policy and Cookie Policy, notices, disclaimers and any other terms and conditions or other statements issued or authorized by us that are contained on the website (referred to collectively as the Terms). By using the Website, you agree to be bound to the Terms. If you do not agree to these terms of use, please refrain from using our site.

Accessing our site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us. Also, we reserve the right at any time to deny or terminate all or part of your access to the Website where in our opinion, there are concerns regarding unreasonable use, security or unauthorized access or where you have breached any of these Terms; or block or suspend your account, remove your default settings, or part thereof, without prior reference to you.

Accessing our site

When using our site, you must comply with the following provisions

• You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
• We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
• You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organization to material posted on our site.
• You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
• Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
• If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
• You may not use our site in any way that breaches any applicable local, national or international law or regulation, to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of solicitation. o You may not use our site in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation.
• To knowingly transmit any data, send or upload any material that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

Reliance on information posted

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

Our site changes regularly

We aim to update our site regularly and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material, content or legal documents on our site may be out of date at any given time, and we are under no obligation to update such material.

Our liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude: All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:

• loss of income or revenue;
• loss of business;
• loss of profits or contracts;
• loss of anticipated savings;
• loss of data;
• loss of goodwill;
• wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Information about you and your visits to our site

We process information about you in accordance with our privacy policy. Your use of our Website is subject to our Privacy Policy and Cookies Policy. Please be advised, that when you access and/or use our Website and/or any other services offered through our Website, we may collect and/or otherwise process your personal data. Our Website also uses cookies.

Therefore, you should consult our Privacy Policy and Cookies Policy where we describe in more detail, among others, how we collect and/or process your personal data and your data protection rights.

By using our website, you acknowledge that our Company will collect, use and/or otherwise process your personal data for the purposes described in our Privacy Policy and you hereby warrant that all personal data provided by you is accurate and valid.