Copyright Notice and Disclaimer/ Terms and Conditions of use

1. INTRODUCTION

This website is controlled by Financial Telemarketing Services Limited, a public limited company registered in England and Wales under registration number 2794024. Our registered address is Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX, United Kingdom.

These Terms and Conditions of Use govern your use of this website. We strongly advise you to read the Terms and Conditions of Use as they form a contract between you and for utilization of the website.

If you do not agree with these Terms and Conditions of Use please do not use this website. By accessing the website you are deemed to have accepted these terms and conditions in full.

Your attention is also drawn to the About Us page and our Privacy and Cookies Policy both of which contain important information that you are advised to read.

2. OUR OBLIGATION TO YOU

Financial Telemarketing Services Limited will use its reasonable endeavours to maintain this website in an acceptable working condition. However, as we cannot guarantee that this will always be the case we cannot accept responsibility for any interruptions or failures in the operation of this website or for any defects that may exist, or for any costs, loss of profits, loss of data, or consequential losses arising from your use of, or inability to access or use the website. In addition does not warrant that the information accessible via this web site is accurate complete or current. Access to the website may be suspended temporarily or permanently without notice.

3. DISCLAIMERS

a. or its affiliates, directors, employees or other representatives shall not be liable for any damages arising in contract, tort, negligence statutory duty for any loss of profits, revenue or good will or any type of consequential loss, indirect or special loss or damage whatever arising from or in any way connected with this website or these Terms and Conditions of Use. For the avoidance of doubt nothing in this contract shall exclude 's liability for death or personal injury arising from the negligence of , its servants or agents or any other liability which it is prohibited from excluding by law.

b. The materials on this site do not constitute financial or other professional advice.

c. The definitive version of any document is the original printed version which is available upon request from our registered office.

d. accepts no responsibility for the content or privacy practices of any site to which a hypertext link from this site exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

4. COPYRIGHT AND LICENCE

a. Unless otherwise stated the copyright in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on this website belong to Financial Telemarketing Services Limited or their content and technology providers and any other rights in all material on this site are owned by Financial Telemarketing Services Limited.

b. Use of documents and related graphics on this site is for information and/or personal use only any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use.

c. No document or related graphics are to be modified in any way.

d. Graphics on this site are not to be used separately from the accompanying text.

e. The Financial Telemarketing Services Limited copyright notice (i.e. Financial Telemarketing Services Limited) must appear in all copies.

f. No part of this site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Financial Telemarketing Services Limited's prior written permission.

g. Any rights not expressly granted in these terms are reserved.

h. Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors.

6. JURISDICTION

The products on this web site are for United Kingdom residents only. These terms shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.

7. SEVERANCE

The court may strike out or override any part of these terms and conditions, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases enforce these terms and conditions as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these terms and conditions.