Website terms and conditions

1. These are the terms and conditions that apply to your use of, and access to, our website. By accessing this website you agree to be bound by these terms and conditions.

2. These terms and conditions and your use of, and access to, this website are governed by English law. The courts of England and Wales have exclusive jurisdiction to determine any matter in connection with these terms and conditions and your access to our website.

3. You may not access this website from any jurisdiction which prohibits access to it or to the use of, or access to, any content on it. We do not warrant that the website or any content on the website may be lawfully accessed or used in any jurisdiction other than in the United Kingdom.

4. This website contains general information about us, our products and services and other information that we believe may be of interest to our customers, brokers and suppliers but nothing in this website:

1. 1. constitutes an offer of any product or service;
   2. constitutes advice or a recommendation from us (you should always obtain your own independent legal, financial, tax or other professional advice);
   3. constitutes a representation or warranty about us or our products and services;
   4. should be regarded as amending, varying or affecting the interpretation of any specific terms and conditions that apply to our products and services; or
   5. amounts to a commitment or obligation on us to offer any product or service; we may withdraw or change our products or services at any time whether or not they still appear on our website.

5. You may not, without our prior written consent, access, copy or use any part of this website or any information or image on this website except:

1. 1. to view information or images on this website;
   2. to assist you to determine whether you would like to apply for any of our products or services; and
   3. to apply for products and services on this website; provided that, in each case above, you are lawfully able to do so.

6. You may not, without our prior written consent, create or publish links to our website or any content on our website nor distribute, upload, post, republish, decompile, disassemble, reverse-engineer or transmit any part of this website or any information or image on this website.

7. You may not alter, disrupt or interfere with this website or its content or disrupt or interfere with the use of the website by others.

8. The opinions of others published on this website do not necessarily constitute our opinions on those matters and are published for information purposes only.

9. Other than for death or personal injury or other duties that may not be excluded under law, we will not be liable for any sanctions, penalties, costs, claims, expenses, losses or damages (in each case whether direct, indirect, incidental, special or consequential) arising directly or indirectly from your access to, or use of (or the inability to access or use), this website, the information on this website or links to third party information or websites.

10. We give no warranties of any kind whether express or implied that information on this website or linked to this website is accurate, complete or up to date.

11. We will use commercially reasonable endeavours to ensure that this website does not contain defects or malware, however, use of the internet is inherently risky and we do not warrant that it will be completely free of defects or malware. It is your obligation to ensure that your device has appropriate security.

12. If there are links to third party websites on this website then those links are provided for convenience only; we do not endorse or recommend any third parties and we do not warrant that the links to those website or those websites are accurate, up-to-date or free from defects or malware.

13. You will indemnify and hold us harmless against any sanctions, penalties, costs, claims, expenses, losses or damages (in each case whether direct, indirect, incidental, special or consequential) arising directly or indirectly from your breach of these terms and conditions and your access to, or use of, this website, the information on this website or links to third party information or websites.

14. We reserve the right to modify, suspend or discontinue, temporarily or permanently, the website, or any part of it, with or without notice, at any time and we will not be liable to you or to any third party for any such modification, suspension or discontinuance of the website.