By using you are acknowledging your agreement to the terms set out below ("Terms") whether or not you register as a user.

1. OWNERSHIP is owned and operated by ServiceMatrix Ltd. All materials at ("Content") belong to its owner or its licensors.

You may view Content, print individual pages and store individual pages in electronic form on disk (but not on any server or other storage device connected to a network) for your personal use. In so doing, you may not remove the copyright or trade mark notices from any copies of Content you make.

Except as expressly set out above, you may not reproduce, redistribute, collate or transfer any part or parts of the Content systematically or otherwise for storage, distribution or other purposes or otherwise commercially exploit any of the Content.

You may provide a link from your web site to the entry page (, provided this link is displayed as a text link referring only to '' or using wording agreed with us and/or an image supplied by us. Unless you have our prior written permission, you may not link to any other page at

We reserve the right to suspend or terminate your access to, and use of, part or all of at any time and without notice. For all or any users or clients, we make no undertaking that - or any specific pages, listings or entries in listings at - will be available at any or all times and at any or all locations.

By registering as a user, or updating your information, you are acknowledging your agreement to provide accurate and complete information and to keep your information up-to-date.

You are responsible for all use of made by you or anyone else using your login details, for preventing unauthorised use of the login details and for informing us without delay of any breach of security (such as disclosure, theft or unauthorised use of your login details).

We make available a limited, free newsletter (as specified on our Privacy Policy page).

We make available a range of premium subscriptions, allowing you to tailor Content to your choice of subjects, to activate regular e-mail updates to your timetable and to gain access to additional information and analysis. We cannot undertake that any element of this Content will continue to be available. Your premium subscription will be activated on, or soon after, payment in advance of an annual subscription fee (either individually by payment card via or collectively under an instruction covering your office or firm). Content corresponding to a premium subscription will usually become available to you at the Portal; however, some such Content is delivered in other forms and we will provide such Content within a reasonable time-frame following your purchase or associated request. CANCELLATIONS: we regret that, in order to cap our costs and minimise our subscription fees, we cannot offer a refund in the event of your cancellation of a paid-for subscription before its expiry date. REFUNDS: subscription payments will not be refunded except in the case of the fraudulent use of a debit or credit card. USE OF DATA: unless otherwise specified or agreed between us, the pricing indicated at your subscription page applies to a licence to view the corresponding information, but not to store it in any database or otherwise copy, record, reproduce (using any medium), sell, assign, licence, market, transfer, or otherwise disclose or distribute the information. If you require data or other information for a broader use, we will be pleased to discuss such use of our proprietary data and supply pricing for such a licence. To ask about this, please click on the 'CONTACT' link at the foot of this page.

Under the umbrella of premium subscription services, we make available a range of products from third party providers. These are provided subject to each provider's terms and conditions.

In using any of the inquiry and registration forms at ("the Form"), you are acknowledging your agreement to use the Form only for its intended purpose, whether or not such purpose is expressly stated on the page containing the Form. For the avoidance of doubt, the intended purpose (unless expressly stated to the contrary) shall be for requesting information on the services or products of a particular organisation. You may not submit information in the Form which contains any Prohibited Content as specified at section 7 below.

By its nature, contains advertising, sponsorship and other information and material provided by third parties ("Third Party Content"). These third parties are responsible for ensuring that material submitted for inclusion on complies with international and national law. will not be responsible for any error or inaccuracy in the Third Party Content.

We provide on-line facilities to enable eligible third parties to submit and edit information for display at If your organisation chooses to supply information in this way, we accept it on condition that we reserve the right to continue displaying such information (whether at or otherwise) without limitation in time. You may continue to update such information using the on-line facilities provided. We do not undertake to maintain display of any or all such information on any or all pages or other positions, except under any instruction from your organisation for specified services where we have accepted such instruction via e-mail or otherwise.

For the purposes of sections 4 and 6 above, you may not include any of the following "Prohibited Content":

* wording which is unlawful, threatening, abusive, libellous or indecent or which infringes copyright or other rights of third parties or which contains any other form of illegal content;

* a link, an image or any material other than plain text

* "spam" or chain message

* promotion or advertising of goods and services

* recommendations to buy or refrain from buying a particular security or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any security

* a software virus, file or other code or harmful component designed to interrupt, limit or destroy the functionality of or any computer software or equipment

* any content unrelated to the subject matter (of the corresponding Forum or Form, as appropriate)

* any content or use where the origin of the information is disguised and/or the author is impersonated and/or any affiliation with any person or entity is misrepresented

8. LINKS contains links to other World Wide Web sites provided by independent third parties ("Third Party Sites"). Where possible, will make clear where such links are being made, though Third Party Sites may be co-branded with and so include's trademark. is not responsible for the availability or content of Third Party Sites and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Third Party Sites.

The information that you provide about yourself to us will only be used by ourselves in accordance with the Privacy Policy statement. The Privacy Policy statement does not apply to Third Party Sites.

None of the Content should be construed as giving investment or other advice or as recommending the services of a particular organisation. All Content is written as a general guide, not intended to address your particular requirements, and is not a substitute for taking professional advice. No responsiblitity or liability can be accepted for any errors or omissions or any loss arising from decisions based on the Content. Any arrangements made between you and any third party named on this Platform are at your sole risk and responsibility.

In using any third party products you purchase via, you are bound by the standard liability exclusions applicable to such product. is not liable to any subscriber for any loss sustained by virtue of using the product including, but not limited to, any special, indirect or consequential loss, loss of profits and loss of opportunity. has relied on the foregoing and the foregoing was a substantial inducement to entry into the arrangement for providing the product., and its directors, officers, employees and agents, are intended third-party beneficiaries of the foregoing limitations.


Because of the large number of sources from which obtains content and the nature of electronic distribution via the Internet, is unable to, and does not, give any warranties in respect of (including, but not limited to, any Content or services available through In particular, is provided on an "as is", "with all faults" and "as available" basis. To the extent allowed by applicable law, hereby disclaims all warranties, conditions or duties of every nature whatsoever (except any duties of good faith), including without limitation, any implied warranties of merchantability or of fitness for a particular purpose, any express or statutory warranties, and any warranties or duties regarding accuracy, timeliness, completeness, performance, lack or negligence or of workmanlike effort.

Additionally, makes no warranty that is free from infection by viruses or anything else that has contaminating or destructive properties. Also, does not provide any warranty against infringement of copyright or other rights or of title or quiet enjoyment and makes no express warranties.


To the full extent allowed by applicable law, you agree that will not be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits, loss of privacy or for failure to meet any duty including but not limited to any duty of good faith, lack of negligence or of workmanlike effort) or for any other indirect, special, or punitive damages whatsoever that arise out of or are related to or to any breach of the terms by, even if has been advised of the possibility of such damages and even in the event of fault, tort (including negligence) or strict liability.


You agree that your only recovery for any damages that you incur, and your exclusive remedy, shall be limited to the direct damages you actually incur in reasonable reliance on a specific element of up to a limit, at's election, of: (1) a refund of the amount you paid (if any) in total during the month in which the damage is first incurred, less any reasonable allowance for complying services, or (2) correction or replacement of the service. All limitations will apply to all legal and equitable theories.

Notwithstanding the provisions of this Section,'s liability will not be limited in the case of death or personal injury directly caused by's negligence.

11. CHANGES has a policy of updating and improving Accordingly, reserves the right, at its sole discretion, to make changes to any part of and to make change to these Terms. If you use after has published or notified you of changes, you are agreeing now to be bound by those changes. If you do not agree to be bound by those changes, you should refrain from using

These Terms shall be governed by, and construed in accordance with, English law.

The parties irrevocably agree that the courts of England shall (subject to the paragraph below) have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms or the legal relationship established by them, and for those purposes irrevocably submit all disputes to the jurisdiction of the English courts.

For the exclusive benefit of, shall retain the right to bring proceedings as to the substance of the matter in the courts of the country of your residence or, where these Terms are entered into in the course of your trade or profession, the country of your principal place of business.

You may not assign, sub-license or otherwise transfer any of your rights under these Terms.

If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy. Headings in these Terms are for convenience only and will have no legal meaning or effect.

ServiceMatrix Ltd is a company registered in England under number 2676992 whose registered office and mailing address is at 3 Gatehouse Close, Bexhill, TN390 3DJ, England

To contact us, please use the 'CONTACT' facility at the foot of this or any other page.