Thank you for visiting our website.

By continuing to browse and use this site, you agree to accept and be bound by the following terms and conditions and by those in our Privacy Policy. Please leave the website immediately if you do not accept these terms and conditions.

Terms and conditions of use

In the following, ‘we’, ‘us’ and ‘our’ refer to the owner of the website. The terms ‘you’, ‘your’ and ‘yours’ refer to the user of the website.

  1. All information contained on the site is for general information use only. We do not offer any financial advice or any personal advice. Nothing on the sites should be construed as being financial advice or personalised advice for your particular circumstances.
  2. This website includes links to third-party websites. These links are provided for your convenience and to provide further information. The content of these third-party websites is not controlled, maintained or endorsed by us in any way and we do not make any warranty as to the accuracy of the information contained within them. As such, we accept no responsibility for the content or services provided on these websites and accept no liability for any losses or penalties whatsoever that may be incurred as a result of linking to any such site.
  3. We provide information and illustrations to help you make your own informed decisions. Neither we nor any third parties provide any warranty or guarantee as to the suitability of the information and materials found or offered on this website for any particular purpose. It is your own responsibility to ensure that any services or information available through this website meet your specific requirements.
  4. Before making any choice or decision you should take adequate steps to verify the accuracy and completeness of any information contained on this site or linked sites. Your use of any information or services on this website is entirely at your own risk for which we shall not be liable. You acknowledge that such information and materials may contain omissions, inaccuracies or errors for which we expressly exclude liability.
  5. We are the owner or the licensee of all intellectual property rights in our site and in the material including text, images and multimedia content published on it. Those works are protected by copyright laws and treaties and all such rights are reserved. Details of licences are shown on the Credits page of this site. Users may not delete or alter in any way any copyright, trade mark, intellectual property or other legal notices from any part of the website and reproduction is prohibited other than in accordance with the copyright notice. You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors. You may print off one copy, and may download extracts from our site for your personal use. 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 picture, photograph, audio or video sequence separately from any accompanying text. Our status and that of any identified contributors as the authors of content 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 return or destroy any copies of the materials you have made.
  6. At our sole discretion we may from time to time suspend the operation of the sites for repair or maintenance work or modify, update or upgrade its contents or functionality which may include changes to this page. It is your responsibility to check and accept the terms and conditions set out on this page before each use.
  7. Any query or complaint may be addressed to
  8. Use of this website and any dispute arising from its use are subject to the laws of England, Northern Ireland, Scotland and Wales.