Terms & Conditions
Please carefully read these conditions before attempting to use our website. By accessing our website, you are agreeing to be bound by our conditions set out below. If you do not agree to be bound by our conditions, please do not continue to access our website.
Using the website
We are the owner or the licensee of all intellectual property rights in the website and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. No material may be reproduced in any format and in any circumstances without our prior written consent.
Users may access and download the contents of these pages and store a copy on a temporary basis for the sole purpose of viewing the pages. Permanent storage, copying or re-distribution of these pages is prohibited.
We encourage appropriate links to our website with prior permission from the web administrator (see contact details below). Any link must not damage our reputation or take advantage of it and must not suggest any form of association, approval or endorsement on our part where none exists.
Reliance on our website
This website contains general information based on English law and, although we try to ensure that the content is accurate and up-to-date, no representation or warranty, express or implied, is made as to its accuracy or completeness and therefore the information on this website should not be relied upon. Users should always seek appropriate legal advice from a suitably qualified lawyer before taking, or refraining from taking, any action. The contents of this website should not be construed as legal or other professional advice.
To the extent permitted by law, we disclaim liability for any loss (however caused) arising directly or indirectly from reliance on the information on this website. Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence or for fraud.
If any part of these terms is found to be illegal, invalid or otherwise unenforceable by a court or regulator, then where required that part shall be either deleted from these terms and the remaining parts will continue to be enforceable or validly modified to give effect to our respective intentions.
The English courts will have exclusive jurisdiction over any claim relating to the use of our website although we reserve the right to bring proceedings against you for breach of these terms in your country of residence or any other relevant country. Any dispute or claim shall be governed by and construed in accordance with the law of England and Wales.
If you have any questions or concerns about material which appears on the website, please contact our risk team in writing at Shakespeare Martineau, No 1 Colmore Square, Birmingham, B4 6AA; by telephone on 0121 214 0000 or by email at firstname.lastname@example.org