Our terms and conditions


These terms and conditions are divided into the following parts:

(A) a disclaimer of liability;

(B) terms and conditions governing the use of this website;

(C) general and interpretive provisions.


By using our website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website. If you register with our website, we will ask you to expressly agree to these terms and conditions.


Our website uses cookies. By using our website and agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our privacy policy.


(A) General disclaimer

(1) Legal information

Much of the legal information on this website consists of summaries of complex legal issues. You should therefore never apply the legal information to your own situation before embarking upon any course of action (or omitting to take any action) that has or may have legal implications without conducting additional research or taking professional legal advice .

(2) Exclusion of warranties, representations and guarantees

We do not warrant, represent or guarantee the accuracy of the information published on this website; the completeness of the information published on this website; that the information published on this website is up-to-date; or the information on the website can be applied to achieve any particular result.

(3) Limitations and exclusions of liability

To the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature.

(4) Third party content

You acknowledge that some of the information published on this website is submitted or provided by third parties, and that we do not usually review, approve or take editorial responsibility such information.

(5) Website availability

From time to time the website or features of the website will be unavailable. Such unavailability may be the result of defects in the website software, scheduled or emergency maintenance procedures, or failures of third party service providers. We do not commit to ensuring that the website will be available at any particular time. Furthermore, we do not commit to ensure that the website will continue to be published in the future.


(B) Terms and conditions of use

(6) Acceptable use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

(7) Restricted access

Access to certain areas of our website is restricted. We reserve the right to restrict access to other areas of our website at our discretion. If we provide you with or you generate a password to enable you to access restricted areas of our website or other content or services, you must ensure that that password is kept confidential. You must not use any other person's user ID and password to access our website. We may disable your account on the website in our sole discretion without notice or explanation.

(8) User content

We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website. Notwithstanding our rights under these terms and conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website. If you become aware of any content on the website that breaches these terms and conditions, please notify us immediately by email or using our website contact form.

(13) Third party websites

Our website includes hyperlinks to other websites owned and operated by third parties. These links are not recommendations. We have no control over the contents of third party websites, and we accept no responsibility for them or for any loss or damage that may arise from your use of them.


(C) General and interpretative provisions

(14) Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

(15) Breaches of these terms and conditions

Without prejudice to our other rights, if you breach these terms and conditions of use in any way, or if we reasonably suspect that you have breached these terms and conditions of use in any way, we may: (a) send you one or more formal warnings; (b) temporarily suspend your access to the website; (c) permanently prohibit you from accessing the website; and/or (d) suspend and/or delete your account with the website. Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).


We may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of our website from the date of the publication of the revised terms and conditions on our website.