Your access to and use of this website ("the Website") is subject exclusively to these

Terms and Conditions. You will not use the Website for any purpose that is unlawful

or prohibited by these Terms and Conditions. By using the Website you are fully

accepting the terms, conditions and disclaimers contained in this notice. If you do not

accept these Terms and Conditions you must immediately stop using the Website.

The contents of the Website do not constitute advice and should not be relied upon

in making or refraining from making, any decision.

the Website reserves the right to:

3.1 change or remove (temporarily or permanently) the Website or any part of it

without notice and you confirm that the Website shall not be liable to you for any

such change or removal; and 3.2 change these Terms and Conditions at any time,

and your continued use of the Website following any changes shall be deemed to be

your acceptance of such change.

The Website may include links to third party websites that are controlled and

maintained by others. Any link to other websites is not an endorsement of such

websites and you acknowledge and agree that we are not responsible for the content

or availability of any such sites.

5.1 All copyright, trade marks and all other intellectual property rights in the Website

and its content (including without limitation the Website design, text, graphics and all

software and source codes connected with the Website) are owned by or licensed to

the Website or otherwise used by the Website as permitted by law.

5.2 In accessing the Website you agree that you will access the content solely for

your personal, non-commercial use. None of the content may be downloaded,

copied, reproduced, transmitted, stored, sold or distributed without the prior written

consent of the copyright holder. This excludes the downloading, copying and/or

printing of pages of the Website for personal, non-commercial home use only.

6.1 The Website is provided on an "AS IS" and "AS AVAILABLE" basis without any

representation or endorsement made and without warranty of any kind whether

express or implied, including but not limited to the implied warranties of satisfactory