Terms and conditions

The following are the terms and conditions of an agreement between you and "IAM Financial" ("Us" or "Our" or "We"). By using or browsing this site, you acknowledge that you have read, understood and agree to be bound by these terms and that you agree to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this site. We reserve the right to modify these terms from time to time so you should read these terms regularly.

1. Purpose of this Site

a. This site was created by IAM Financial to provide information to financial services professionals about our range of services.

b. This site may contain links and references to other sites and web pages that are operated by us as well as to other sites that are not controlled by us.

c. IAM Financial is not regulated or authorised to provide financial advice.

2. Copyright and Trademark Notice

a. All content, including but not limited to trademarks identifying us, graphics, images and text are solely our property or others. All content on this site is protected by national and international copyright laws and treaties. Nothing on this site should be construed as granting a license or right to use any trademark displayed on this site, without the written permission of the trademark owner.

b. Other than browsing and using the Site for its intended purpose, you may not in any way duplicate, distribute, modify, remove, delete, add to, publish, transmit, or in any way exploit any of the content of this site, in part or in whole, except when expressly authorised in writing by us.

c. You may not use our logo for any purpose whatsoever, other than as approved in Section 3, unless we approve the intended use of the logo in advance and in writing.

d. We reserve the right to seek all remedies available at law, in equity or under international copyright laws for violations of these terms, including the right to block access from a particular Internet address to the site.

3. Links to Third Party Sites

a. We are not responsible for content or policies available on other sites linked to this site. If you use any links we provide to off-site pages, you do so at your own risk. Links on this web site are not intended to be to be referrals or endorsements of the linked entities and are provided for convenience only.

b. We expressly disclaim all responsibility and liability for any damage, loss, or injuries caused by third-party goods or services including displayed content.

4. Information Transmitted by Users

a. In areas where users may participate the information and communications posted to these areas and forums, together with any electronic mail or other communications you transmit or post to this site will be treated as non-confidential and non-proprietary.

b. If you transmit or post anything to a forum or other features that we maintain, you will be granting an exclusive license to us or our affiliates to use such materials for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting.

c. We take no responsibility for the content of any information or communications posted to these areas by third parties.

d. You are prohibited from posting or transmitting to this site any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other material that could give rise to any civil or criminal liability under applicable law or any international treaty.

5. No Warranties

a. All information on this site is provided to you on an "as is" and "as available" basis, without warranties of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, non-infringement, or other violations of rights.

b. We do not endorse, warrant or make any representations regarding the accuracy, validity or reliability of, or the results of the use of, or otherwise respecting, the materials on this site or any sites linked to this site.

c. You expressly understand and agree that any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.

d. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice or other content available through this site. If in doubt seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.

6. Limitation of Liability

a. We will not be liable for any damages of any kind arising from the use or the inability to use this site, including but not limited to direct, indirect, special, incidental or consequential damages, loss of profit, operation time, goodwill, contracts, revenues or anticipated savings arising out of or in relation to the use of this site even if we or one of our representatives has been advised of the possibility of such damages.

b. Under no circumstance will we be liable for any loss or damage caused by a user's reliance on information obtained through this site.

7. Provision of Service

a. We cannot guarantee fault free service. We do not warrant or guarantee the technical quality of the connections to national or international networks supporting the service and of any other terminal equipment, computer program and of any other systems that are not under our direct control. However, we shall use reasonable endeavours to ensure that the service is available for your use and we will repair any reported faults on our computer systems as soon as reasonably possible.

8. Governing Law and Jurisdiction

a. This site is owned and operated in England and Wales. By using or browsing this site, you accept that the laws of England and Wales will govern these terms.

b. If you choose to use or browse this site from outside of the United Kingdom, please bear in mind that you do so on your own initiative and are responsible for compliance with applicable laws.

c. Access to this site from locations where its use is or its contents are illegal is prohibited.

d. You hereby consent to the exclusive jurisdiction of the English courts regarding any and all disputes involving these terms and use of this site.

9. Revision to These Terms

a. We reserve the right to revise these terms at any time. We shall indicate the date of the terms last revision. Such changes will take immediate effect when they are posted on this site.

b. By using or browsing this site, you are apprised of and bound by any changes to these terms, and, therefore, you should review this page regularly.

c. If any material modification to these terms is not acceptable to you, you should not access or browse the site.