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Welcome to visiting our web site (the " Site "). By accessing and browsing the Site, you agree to accept, without limitation or qualification, the Terms and Conditions detailed below.

1. General

1.1 You may not use this Site for any unlawful purposes.

1.2 We may change these Terms and Conditions from time to time by updating this page. You will be bound by such changes even if you do not revisit this page to re read this notice. Since you are bound by these Terms and Conditions, you should therefore periodically visit this page to review the current Terms and Conditions.

1.3 The Site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. We are not giving any investment advice, tax advice, legal advice, or other professional advice. We do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations. You should always seek the assistance of a professional for advice on investments, tax, the law, or other professional matters.

2. Copyright and Limitations on Use

2.1 You should assume that all material on the Site is protected by copyright unless otherwise noted and may not be used except as permitted in these Terms and Conditions or in the text on the Site.

2.2 The content on the Site may be used only for your personal and non-commercial use only. If you are browsing this Site as an employee/agent/member of any business or organisation, you may download material displayed on the Site only for non-commercial purposes within your business or organisation provided that you include all copyright and other proprietary notices in the same form contained on the materials.

2.3 You may not distribute or transmit (except, within your business or organisation), modify, reuse, report, or use the contents of the Site for public or commercial purposes, including the text, images, audio, and video without the written permission of us.

3. Disclaimer of Warranties and Liabilities

3.1 Your use of the Site is at your risk. We make no warranties or representations as to its accuracy and we specifically disclaim any liability or responsibility for any errors or omissions in the content on the Site. Neither us nor any other party involved in creating, producing, or delivering the Site is liable for any damages, in any event including consequential damages, arising out of your access to, or use of, or inability to use or access, the Site.

3.2 In no event shall we be liable for damage incurred as a result of materials or information infringing third parties' rights, or for inaccurate, invalid or illegal materials or information.

3.3 We assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from the Site.

4. Property Rights

4.1 Materials displayed on the Site are either the property of, or used with permission by us. The use of these materials by you, or anyone else authorised by you, is prohibited unless specifically permitted by these Terms and Conditions or specific permission is provided elsewhere on the Site. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil and criminal status.

5. Links to Third Party Web Sites

5.1 We are not responsible for the content of any site linked to or from the Site. Your linking to any other site is entirely at your own risk. While we may provide links on this Site to other sites, the inclusion of such links is for your convenience only and should not be interpreted as an endorsement of the owner/sponsor of the site or the content of the site.

6. Additional Terms

6.1 If you send any communications or materials to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like, all such communications are, and will be treated as, non-confidential and non-proprietary. Anything you transmit or post may be used by us or its affiliates for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, we are free to use, without any compensation to you, any ideas, concepts, know-how, or techniques contained in any communication you send to the Site for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products using such information.

6.2 You are prohibited from posting or transmitting any unlawful, threatening, defamatory, libellous, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence or give rise to civil liability, or otherwise violate any law. We will fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting such materials and we may in our absolute discretion remove any materials if it falls or might fall within the foregoing categories or is otherwise inappropriate.