1. General
1.1 This website is operated by Bank-Smart. As a user of this Website you (referred to as "you/your") acknowledge that any use of the Website including any transactions you make ("use/using") is subject to our terms and conditions below (which includes any other important hyper-linked sections e.g. Privacy Policy.
1.2 All materials and information contained on this website are intended only as general guidance. They do not constitute advice. You should not rely on any such information and should obtain formal professional advice before taking any action or omitting to take any action in relation to any information or materials contained on this website.
1.3 We reserve the right to change these terms and conditions at any time. Any such changes will take effect when posted on this website (see date at the top) and it is your responsibility to read the terms and conditions on each occasion you use this website and your continued use of this website shall signify your acceptance to be bound by the latest terms and conditions.
2. Intellectual Property
2.1 All copyright and all other intellectual property rights in all materials and/or content contained on this website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors.
2.2 You acknowledge and agree that the material and content contained on this website is made available for your personal non-commercial use only and that you may only download such material and content for your own personal use or that of your firm or company. You further acknowledge that any other use of the material and content of this website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.
3. Liability
3.1 Nothing in these terms and conditions excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or any other liability which may not otherwise be limited or excluded under applicable law.
3.2 Subject to Section 3.1 above, Bank-Smart will use reasonable endeavours to verify the accuracy of any information on this website but makes no representation or warranty of any kind express or implied statutory or otherwise regarding the contents or availability of this website or that it will be timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the website. Bank-Smart will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the website and Bank-Smart accepts no liability of any kind for any loss or damage from action taken or taken in reliance on material or information contained on this website.
3.3 Subject to Section 3.1 your use of this website and any information or materials contained into are done so entirely at your own risk. Bank-Smart does not accept any liability for losses or damages, whether direct or indirect that you may suffer as a result of using this website or your reliance on any information or materials contained on this website.
4. Miscellaneous Provisions
4.1 The content of this website and any dispute arising out of the website and/or our relationship shall be governed exclusively by English law and shall be subject to the exclusive jurisdiction of the English courts.