Terms & Conditions
Terms & Conditions
Please read this carefully because it sets out the terms of a legally binding agreement between you and Last Word Media (UK) Ltd Limited (“Last Word Media”).
These are the terms and conditions on which you may use: (i) INternational Adviser website at www.international-adviser.com ; (ii) the website at www.fdiIntelligence.com (“FdiIntelligence”); (iii) the website at www.thebanker.com (“The Banker”); (together referred to as the “Last Word Media Websites”) and all Last Word Media Content irrespective of the delivery platform or device you use to access it. By accessing Last Word Media Content you are agreeing to these terms and conditions. If you use an Last Word Media Website in the course of your business or work, you are also agreeing to these terms and conditions on behalf of that business. We only make these terms and conditions available in the English language.
If you do not agree with the terms and conditions (or are not authorised to do so on behalf of your business or work) you should not use the Last Word Media Websites or any Last Word Media Content and should cancel any subscription in accordance with your cancellation rights (see Section 7 below). If you have any questions please see out contacts page.
We recommend that you print and save a copy of these terms and conditions for your records.
We strongly recommend that you read these terms and conditions in their entirety. However for your convenience we have provided a summarised version of them as part of our Frequently Asked Questions .
Except where we state otherwise in Section 7, references in these terms and conditions to “Last Word Media” (or “we”, “us” or “our”) refer to the company operating the Last Word Media Websites. See Section 10 below for details.
These terms and conditions were last updated on 04 September 2011 and replace all previous terms and conditions for the Last Word Media Websites. Last Word Media may update these terms and conditions for legal or regulatory reasons, or to reflect changes in our services or business practices. We will provide notice of such changes in Section 11 below and if you are a subscriber or registered user we will also email you to notify you of any material change that affects you. You should regularly check Section 11 to see if any changes have been made. If you are an Last Word Media Website subscriber, any changes will become effective from the date of your next payment following the change unless we notify you otherwise. If you are not an Last Word Media Website subscriber, any changes will become effective as soon as we notify you of them.
We may in exceptional circumstances cease to publish Last Word Media Adviser, FdiIntelligence, The Banker, the Last Word Media Content or cease to provide subscription services. If we do so, then we will have no further obligation to you, unless you are a subscriber in which case we will offer you a refund of the unexpired period of your subscription. See Section 7 for details.
2. Access and Use
Our ability to invest in high quality journalism depends on our users complying with this Section 2. We recommend that you also read our Copyright Policy that summarises how you are allowed to use Last Word Media Content. It also invites organisations that may be using Last Word Media Content without the appropriate permissions to approach us with a view to discussing the purchase of a licence to legitimise that use.
The amount of Last Word Media Content that you can view on Last Word Media Adviser, FdiIntelligence or The Banker depends on what type of user you are, see here for Last Word Media Adviser. In summary, if you are an unregistered or registered user, you may be limited to view a limited number of articles per month as follows:
From time to time we may invite specific groups of users to access certain sections of the Last Word Media Websites which may be the same as or different to the access given under the subscription.
Permitted Use : All Last Word Media Content belongs to Last Word Media or its licensors who own all intellectual property rights (including copyright and database rights) in the Last Word Media Content and any selection or arrangement of the Last Word Media Content.You can do the following:
view Last Word Media Content for your personal use on any device that is compatible with the Last Word Media Websites (this might be your PC, laptop, Blackberry, iPhone or other mobile device) and store Last Word Media Content on that device for your personal use.
print single copies of articles on paper for your personal use.
share links to articles by using the article tools we make available at the foot of each article.
use spidering technology to search and link to an Last Word Media Website, provided that you do not infringe the Restrictions on Use below.
On condition that you do not create a Substitute (as defined below), you may also do the following:
Publish online, the original headlines and a link to the article (on an Last Word Media Website) and the first 140 characters of an article.
Forward the original headline and a link to an Last Word Media article (on an Last Word Media Website) and the first 140 characters of an article to other individuals.
Download our RSS feeds and view them for your personal use in accordance with the terms set out at [ RSS] and in our Copyright Policy.
We define a Substitute as a product or service that reduces the need for users or other third parties to pay for Last Word Media Content directly, or which creates revenue from the Last Word Media Content to the detriment of Last Word Media’s own ability to generate revenues from that content.
As specified in the “Restrictions on Use” section below you may not republish or redistribute full text articles. You may however republish or redistribute “Summaries” of articles from the Last Word Media Websites if you comply with the conditions set out below. “Summaries” can be either an “extract” or an “abstract”. By “extract” we mean 30 words copied verbatim from an article which are inserted into a longer original work. By “abstract” we mean a 30 word non-verbatim summary of the news or facts reported in an article which does not form part of a longer work.
These are the conditions you must comply with in order to produce summaries:
- you source the relevant Last Word Media Website as the author of any article from which you have derived a summary by way of an attribution such as “[journalist name] at Last Word Media Adviser reported that”, with a hypertext link from the word “Last Word Media Adviser” to the original story published on Last Word Media titles.
- you ensure that your summaries do not in whole or in part form a Substitute for an Last Word Media Website’s own products and services (see above for how we define Substitute). The more summaries you create the greater the risk of substitution. No individual or organisation may create, republish or redistribute more than ten summaries in aggregate each day, each one sourced from a different article that is published on the same day you create the summary;
- you do not use or create summaries that promote or endorse any product or service; and
- if Last Word Media notifies you that it believes you are creating, republishing or redistributing summaries outside of these parameters, you shall immediately cease doing so and your rights to create summaries shall be regarded as having been withdrawn, unless/until Last Word Media reaches an agreement with you regarding your use of Last Word Media Content.
Please note that these rights do not extend to content published by Last Word Media that we licence from third parties which you may not republish or redistribute in whole or in part.
PLEASE NOTE THAT IN ADDITION TO OUR RIGHTS AT LAW TO RESTRICT CERTAIN TYPES OF USE REFERRED TO IN THIS SECTION 2, THE RESTRICTIONS BELOW ARE ALSO CONTRACTUAL IN NATURE AND BIND ALL USERS OF THE Last Word Media WEBSITES.
Restrictions on Use: You cannot use the Last Word Media Websites or the Last Word Media Content for any unlawful purpose or other than as set out in the “Permitted Use” section above, unless you buy the appropriate licence from us. By way of example only, this means that you cannot:
if you are a registered user or subscriber or have a temporary access pass, you cannot share your user name and password (which includes PINS) with anyone else. A password is for one person’s use. Sharing a password means a copy of the Last Word Media Content may subsequently be made by someone who is not authorised to do so. Password sharing is a breach of our terms and conditions and is likely to result in an infringement of copyright. We monitor usage of the Last Word Media Websites to detect password sharing.
copy, publish, republish or redistribute, communicate or disseminate to third parties full text articles, photographs, graphics, tables or images in any way.
copy, publish, republish or redistribute headlines in any way other than as permitted by the “Permitted Use” section above (including as part of any syndication, content aggregation, news aggregation, library, archive or similar service).
archive or store any of the Last Word Media Content for access by anyone other than yourself.
create derivative works from the Last Word Media Content, unless you are creating summaries as described in the “Permitted Use” section above.
photocopy or scan copies of articles.
remove the copyright or trade mark notice from any copies of Last Word Media Content made under these terms and conditions.
create a database in electronic or structured manual form by systematically and/or regularly downloading, caching, printing and storing all or any of the Last Word Media Content (by spidering or otherwise).
frame, harvest or scrape the Last Word Media Content or otherwise access the Last Word Media Content for similar purposes.
use or attempt to use the Last Word Media Content outside the parameters we set depending on what subscription you have.
Linking: If you would like to link to an Last Word Media Website, please read and comply with the following guidelines and all applicable laws. A site or service that links to an Last Word Media Websites:
may not remove, distort or otherwise alter the size or appearance of the logo;
may link to the homepage of an Last Word Media Website, and, provided that the requirements of Section 2 are complied with, may also link to other pages of an Last Word Media Website;
must not in any way imply that Last Word Media is endorsing it or its products or services;
must not misrepresent its relationship with Last Word Media or present false information about Last Word Media;
must not be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;
must not be a site or service that contains content that could be construed as distasteful or offensive.
On registration, you must provide Last Word Media with accurate, complete registration information and it is your responsibility to update and maintain changes to that information on the applicable Last Word Media Website registration or subscription pages. Last Word Media is entitled to rely on any information you provide to us.
Each registration is for a single user only. On registration, you will choose a user name and password (“ID”). You are not allowed to share your ID or give access to Last Word Media Content through your ID to anyone else. Last Word Media does not allow multiple users on a network or within an organisation to use the same ID. Last Word Media may cancel or suspend your access to an Last Word Media Website if you share your ID without further obligation to you. You may not create additional registration or subscription accounts for the benefit of others or with the aim of avoiding our use of IDs to control access to and use of an Last Word Media Website.
You are responsible for all use of an Last Word Media Website made by you or anyone else using your ID and for preventing unauthorised use of your ID. If you believe there has been any breach of security such as the disclosure, the Last Word Media or unauthorised use of your ID or any payment information, you must notify Last Word Media immediately by e-mailing us at firstname.lastname@example.org. We recommend that you do not select an obvious user password (such as your name) and that you change it regularly.
If you provide Last Word Media with an email address that will result in any messages Last Word Media may send you being sent to you via a network or device operated or owned by a third party (e.g. your employer or college) then you promise that you are entitled to receive those messages. You also agree that Last Word Media may stop sending messages to you without notifying you.
If you are a registered user of or subscriber to an Last Word Media Website then you may choose to use the “Keep me logged in at this machine” feature that enables you to be logged in automatically to an Last Word Media Website whenever you visit that Last Word Media Website without having to manually log in each time. We recommend that you do not enable this feature on any computer that is or may be used by anyone other than you in order to prevent unauthorized access by third parties to both your subscription details and features of the Last Word Media Website personal to you.
4. User Generated Content
The Last Word Media Websites includes discussion forums and blogs that allow interaction between users and between users and journalists (we call these “Forums”). We call the information posted to these forums or blogs by users “User Generated Content” or “UGC”.
If you wish to view or participate in a Forum then you must comply with any specific rules posted on the Forum. You will retain ownership of the copyright in any of your UGC that you or we publish on an Last Word Media Website so you are free to re-use it as you wish. You agree that if you post UGC to a Forum then you are granting Last Word Media a right (but not an obligation) unlimited in time to publish, re-use, archive, modify, delete or commercially exploit that UGC in whole or in part as we see fit, whether on an Last Word Media Website or otherwise, without any requirement to pay you for this and with or without attribution to you. This means that you grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free licence to use any UGC you publish in whole or in part in any manner and for any purpose whatsoever and without further obligation to you. You also waive any moral rights that you may have in regard to the UGC.
You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with the bullet points below or that otherwise relates to your UGC.
You agree that you will:
only publish UGC that is your original content and will not infringe the copyright or other rights of any third party when publishing UGC.
not post, link to or otherwise publish any UGC containing any form of advertising or promotion for goods and services or any spam or other form of unsolicited communication.
not post, link to or otherwise publish any UGC with recommendations to buy or not buy a particular share or other investment or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any share or other investment.
not post, link to or otherwise publish any UGC that is threatening, abusive, libelous, indecent or otherwise unlawful.
not disguise the origin of any UGC and not impersonate any person or entity (including Last Word Media employees or Forum guests or hosts) or misrepresent any connection with any person or entity.
not post or otherwise publish any UGC unrelated to the Forum or the Forum’s topic.
not post or transmit any UGC that contains soLast Word Mediaware viruses, files or code designed to interrupt, destroy or limit the functionality of an Last Word Media Website or any computer soLast Word Mediaware or equipment.
not collect or store other users’ personal data.
not restrict or inhibit any other user from using the Forums.
The Forums contain UGC submitted by users over whom Last Word Media has no control so we cannot therefore guarantee the accuracy, integrity or quality of any UGC. Some users may not behave properly and may post UGC that is misleading, untrue or offensive.
It is not possible for Last Word Media to fully monitor all UGC published on the Last Word Media Websites but where we have actually received notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these terms and conditions, then we will review that UGC, decide whether to remove it from the Last Word Media Websites and act accordingly. If you believe that any UGC published on an Last Word Media Website infringes any legal rights that you may have or is not allowed under these terms and conditions, please notify us immediately with specific details by contacting us at:
5. Third Party Sites and Services
The Last Word Media Websites may contain links to other Internet websites or online and mobile services provided by independent third parties, including websites of our advertisers and sponsors (what we call “Third Party Sites”), either directly or through frames. Third Party Sites may be co-branded with Last Word Media and so include Last Word Media’s trade marks.
The Last Word Media Websites contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on an Last Word Media Website complies with international and national law. Last Word Media is not responsible for any error or inaccuracy in advertising or sponsorship material.
Copyright in any soLast Word Mediaware that is made available for download from an Last Word Media Website belongs to Last Word Media or its suppliers. Your use of the soLast Word Mediaware is governed by the terms of any licence agreement that may accompany or be included with the soLast Word Mediaware. Do not install or use any of this soLast Word Mediaware unless you agree to such licence agreement. Last Word Media is not responsible for any technical or other issues that may happen if you download third party soLast Word Mediaware.
6. Our Responsibilities To You
A summary of what this section means: this section is important and you should read it carefully. It makes clear to what extent, if any, Last Word Media accepts responsibility (liability) to you for your use of an Last Word Media Website or the Last Word Media Content or in respect of any third party products or services that we refer to or link to on an Last Word Media Website. Unless you are a subscriber to an Last Word Media Website, we accept no financial responsibility to you arising from your use of an Last Word Media Website or the Last Word Media Content. If you are a subscriber to an Last Word Media Website, we limit our financial responsibility to you arising from your use of an Last Word Media Website or the Last Word Media Content to the price you paid for your subscription. In no circumstances do we accept responsibility for your use of Third Party Sites or in respect of any Third Party Products. By Third Party Sites we mean websites, online or mobile services provided by third parties, including websites of advertisers and sponsors that may appear on an Last Word Media Website. By Third Party Products we mean products or services provided by third parties. Although this means that we accept very little in the way of financial responsibility for your use of an Last Word Media Website and the Last Word Media Content, we think this is fair on the basis that you can view certain content and services free-of-charge, and the cost of a subscription for additional access rights is relatively inexpensive. It is not commercially possible for us to accept more responsibility for your use of an Last Word Media Website than set out in this Section 6 taking into account that we permit you to use the Last Word Media Websites for no or a relatively inexpensive cost.
Limitations of Last Word Media Content: the Last Word Media Content (including any information we publish regarding Third Party Products) is only for your general information and entertainment purposes and is not intended to address your particular requirements. In particular, the Last Word Media Content, including UGC and any other content provided by third parties and distributed by an Last Word Media Website, does not constitute any form of advice, recommendation, representation, endorsement or arrangement by Last Word Media. It is not intended to be and should not be relied upon by users in making (or refraining from making) any specific investment, purchase, sale or other decisions. Appropriate independent advice should be obtained before making any such decision, such as from a qualified financial adviser. Any agreements, transactions or other arrangements made between you and any third party named on (or linked to from) an Last Word Media Website are at your own responsibility and entered into at your own risk. Any information that you receive via an Last Word Media Website, whether or not it is classified as “real time”, may have stopped being current by the time it reaches you. Share price information may be rounded up/down and therefore may not be entirely accurate.
What we promise: Last Word Media WILL TRY TO DEVELOP AND OPERATE THE Last Word Media WEBSITES WITH REASONABLE SKILL AND CARE AND WILL USE REASONABLE EFFORTS TO PROMPTLY REMEDY ANY FAULTS OF WHICH IT IS AWARE. THIS IS THE ONLY PROMISE WE MAKE IN RELATION TO OUR PROVISION OF THE Last Word Media WEBSITES, THE MAGAZINES AND THE Last Word Media CONTENT.
What we do not promise: BY WAY OF EXAMPLE, THIS MEANS THAT THE Last Word Media WEBSITES AND THE Last Word Media CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THIS MEANS THAT Last Word Media DOES NOT MAKE ANY PROMISES IN RESPECT OF THE Last Word Media WEBSITES OR THE SERVICES AND FUNCTIONS AVAILABLE ON OR THROUGH THE Last Word Media WEBSITES OR OF THE QUALITY, COMPLETENESS OR ACCURACY OF THE INFORMATION PUBLISHED ON OR LINKED TO FROM THE Last Word Media WEBSITES. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, Last Word Media DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, CONDITIONS AND DUTIES (EXCEPT ANY DUTIES OF GOOD FAITH) OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY OR OF FITNESS FOR A PARTICULAR PURPOSE. Last Word Media ALSO DOES NOT MAKE ANY PROMISES AS TO THE TIMELINESS, SECURITY, PERFORMANCE OR AVAILABILITY OF THE Last Word Media WEBSITES AND DOES NOT PROVIDE ANY WARRANTY OR REPRESENTATION THAT THE Last Word Media WEBSITES ARE FREE FROM INFECTION BY VIRUSES OR ANYTHING ELSE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES.
THE ABOVE DISCLAIMERS APPLY EQUALLY TO YOUR USE OF THE Last Word Media WEBSITES AND ALL Last Word Media CONTENT. WITHOUT LIMITING THE ABOVE, Last Word Media IS NOT LIABLE FOR MATTERS BEYOND ITS REASONABLE CONTROL. Last Word Media DOES NOT CONTROL THIRD PARTY COMMUNICATIONS NETWORKS (INCLUDING YOUR INTERNET SERVICE PROVIDER), THE INTERNET, ACTS OF GOD OR THE ACTS OF THIRD PARTIES.
Our financial responsibility to you: YOU AGREE THAT IF WE ARE IN BREACH OF THESE TERMS AND CONDITIONS, WE WILL ONLY BE RESPONSIBLE TO YOU FOR ANY DAMAGES THAT YOU INCUR ARISING OUT OF YOUR USE OF THE Last Word Media WEBSITES OR THE Last Word Media CONTENT (TO THE EXTENT THAT Last Word Media’S LIABILITY IS NOT OTHERWISE EXCLUDED BY THIS SECTION 6) AS FOLLOWS:
IF YOU INCUR ANY LOSS AS A RESULT OF USING AN Last Word Media WEBSITE OR ANY Last Word Media CONTENT OUTSIDE THE SCOPE OF THESE TERMS AND CONDITIONS, Last Word Media ACCEPTS NO RESPONSIBILITY (LIABILITY) TO YOU FOR THIS.
IF YOU HAVE PAID FOR A SUBSCRIPTION TO AN Last Word Media WEBSITE, THEN Last Word Media ACCEPTS RESPONSIBILITY (LIABILITY) TO YOU FOR ANY DIRECT DAMAGES YOU ACTUALLY INCUR ARISING OUT OF YOUR USE OF THE Last Word Media WEBSITE OR THE Last Word Media CONTENT IN ACCORDANCE WITH THESE TERMS AND CONDITIONS, SUBJECT TO A LIMIT EQUAL TO THE PRICE PAID BY YOU TO Last Word Media FOR YOUR SUBSCRIPTION DURING THE YEAR IN WHICH YOU INCUR THE DAMAGE. YOU MAY AT YOUR OPTION RECEIVE A RENEWAL TO YOUR SUBSCRIPTION FREE-OF-CHARGE AT THE POINT OF RENEWAL, IN PLACE OF MONETARY DAMAGES.
IF YOU HAVE NOT PAID FOR A SUBSCRIPTION TO AN Last Word Media WEBSITE, THEN Last Word Media ACCEPTS NO RESPONSIBILITY (LIABILITY) TO YOU FOR ANY LOSS OR DAMAGE YOU MAY INCUR AS A RESULT OF YOUR USE OF THE Last Word Media WEBSITE OR THE Last Word Media CONTENT IN ACCORDANCE WITH THESE TERMS AND CONDITIONS.
THE LIMITATIONS OF LIABILITY IN THIS SECTION 6 APPLY FOR THE BENEFIT OF Last Word Media, ITS AFFILIATES AND ALL OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS.
Notwithstanding anything else in this Section 6, Last Word Media’s liability will not be limited in the case of death or personal injury directly caused by Last Word Media’s negligence in those countries where it is unlawful for Last Word Media to seek to exclude such liability.
7. Subscription Services
We offer subscription services through the Last Word Media Websites and recommend that you read our Frequently Asked Questions for more details and before subscribing.
Cancellations by you and refunds: unless you cancel your subscription before we have started providing any part of it to you (in which case we will provide you with a full refund), then you agree that once we have started providing any part of your subscription to you, you do not have any right to cancel your subscription or any part of it until the end of your then current subscription period. This means that you are not entitled to a refund once we have started providing any part of your subscription to you, except in the very limited circumstances which are referred to in these terms and conditions. Although you may notify us of your intention to cancel at any time, such notice will only take effect at the end of your then current subscription period. You may notify us of your wish to cancel your subscription by contacting our Customer Services team at:
Moving house: if you have a Bundled Subscription for Last Word Media Adviser and are moving house, then we will transfer your delivery of Money Management magazine to your new address. However, if we are unable to provide you with a home delivery service to your new address, we will provide you with a pro rata refund for the magazine element of your subscription, which means that we will refund part of your subscription fee for the unexpired period of the subscription.
Cancellations by us: Last Word Media reserves the right to suspend or terminate your subscription if you breach these terms and conditions, with or without notice and without further obligation to you. You will not be entitled to any refund in these circumstances. If however we terminate or suspend your subscription for any other reason and/or permanently cease publishing an Last Word Media Website, the Last Word Media Content or cease to provide subscription services then, unless there are exceptional circumstances, we will provide you with a pro rata refund to your credit card, which means that we will refund you with any amounts that you have paid us in advance that relate to any remaining and unexpired period of your subscription.
Who your subscription contract is with: if you buy an Last Word Media Adviser or FdiIntelligence or The Banker subscription only or if you buy a Bundled Subscription for Last Word Media Adviser (i.e. Last Word Media Adviser subscription and Money Management magazine subscription together) then you will be contracting with Last Word Media (UK) Ltd Limited, whose principal place of business is at One Southwark Bridge, London SE1 9HL, United Kingdom.
8. Choice of Law and Jurisdiction
These terms and conditions are subject to English law and the courts of England will (subject to the final paragraph in this Section have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions.
For the exclusive benefit of Last Word Media and to the extent possible in the applicable jurisdiction, Last Word Media will retain the right to bring or enforce proceedings as to the substance of the matter in the courts of the country of your residence or, where these terms and conditions are entered into in the course of your trade or profession, the country of the place of business in which you agreed to these terms and conditions or (if different) the country of your principal place of business.
You may not license or transfer any of your rights under these terms and conditions. We may transfer any of our rights or obligations under these terms and conditions to any company within Last Word Media (UK) Ltd group of companies but if we do so we will ensure that any company to whom we transfer our rights or obligations will continue to honour your rights under them.
If any provision of these terms and conditions 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 and conditions, which will remain in full force and effect.
Failure by either party to exercise any right or remedy under these terms and conditions does not constitute a waiver of that right or remedy. Headings in these terms and conditions are for convenience only and will have no legal meaning or effect.
The Last Word Media Websites are best viewed with one of our supported browsers. Our current list of supported browsers and the degree to which they are supported can be found here . Any payment information you send to us over the Internet is encrypted using 128 bit Secure Socket Layer technology. SSL is currently the preferred method to securely transfer credit card data over the Internet.
10. Corporate Information
Last Word Media (UK) Ltd Limited is the publisher of International Adviser, Portfolio Adviser and Expert Investor Europe, as welll as associated websites.
te, and its corporate details are as follows: registered office address is 1st Floor, Southdown House, Sytation Road, Petersfield, GU32 3ET; company number is 05573633 ; VAT number is 872 411 728.
11. Changes to Terms and Conditions
These terms and conditions may change form time to time in order to meet company operating policy.