BY VISITING AND USING THIS WEB SITE YOU AGREE AS FOLLOWS:

1. You use this at your own risk

   You accept all risks and responsibility for loss, damage, costs and other consequences resulting from using this web site and any web sites linked to it. You are also responsible for assessing the relevance and accuracy of any information or material available from this web site and any web sites linked to it.

2. We disclaim all responsibility

   To the maximum extent possible under applicable laws:

   1. We exclude all liability, including for negligence, to you or any other person arising directly or indirectly from using this web site or any information or material available from or through it; and

   2. Where liability cannot lawfully be excluded, we limit our liability at our option to resupplying any goods or services in respect of which the liability arises or refunding any amounts paid for those goods or services

3. You must always check the information

   Information available at this site:

   1. Is general information only;

   2. Is subject to change without notice;

   3. Is not professional, expert or other advice;

   4. May not be suitable in particular circumstances or for particular purposes;

   5. May not be accurate, current or complete; and

   6. Should never be relied on as the basis for doing or failing to do something.

4. Links are not endorsements

   Any links or frames connecting this web site with other web sites are for convenience only and do not mean that we endorse or approve those responsible for them.

   Any links to or frames of this web site are permitted but we reserve the right to prevent linking or framing immediately by giving notice.

5. Intellectual property laws protect this web site

   Copyright in the material available at this web site is owned by us and third parties and may only be used as described in this Legal Notice. You may:

   1. Make temporary copies necessary to browse this web site on screen;

   2. Unless otherwise stated, download or print a single copy of our copyright material for personal, private or research use; and

   3. Not change any material or remove any part of any copyright notice or disclaimer.

6. Beware of hackers and viruses

   The worldwide web exists across open, public networks that are neither secure nor private.

   You acknowledge and accept the risk that:

   1. Transmission to or from this web site may be intercepted, used and modified by third parties; and

   2. Material obtained from or through this site may contain computer viruses and other defects