Legal Statement

Regulation

  1. SBJ Benefit Consultants Limited, SBJ UK Limited and SBJ Global Risks Limited are each separately authorised and regulated by The Financial Services Authority.

Conditions

  1. SBJ Group Limited (“SBJ”) hereby authorises you to view, download to a local drive, print, and distribute this document subject to the following conditions:
    1. The document is used for information purposes only 
    2. The document is used for non-commercial purposes. In particular, this limited licence does not permit you to incorporate any material from this website in any other work, publications or website either of your own or belonging to any third party 
    3. Any copy of this document or portion thereof must include this copyright notice in its entirety
  2. Note that certain proprietary programs, publications, designs, products, processes, software, technologies, information, know-how or ideas described in this website are the subject of other rights, including other intellectual property rights, which are owned by SBJ or other interested parties. Such proprietary material is not licensed to you hereunder.
  3. The information contained in this website is intended to provide general information on a particular subject or subjects and is not an exhaustive treatment of such subject(s). Accordingly, the information in this website is not intended to constitute accounting, tax, legal, investment, consulting, insurance or other professional advice or services. Before making any decision or taking any action, which might affect your personal finances or business, you should consult a qualified professional adviser.
  4. This website and the information contained herein is provided "as is", and SBJ makes no express or implied representations or warranties regarding the accuracy, or completeness of the information provided in or through this website; including any hypertext links or any other items used directly or indirectly from this website.
  5. Without limiting the foregoing, SBJ does not warrant that the document or information will be error-free or will meet any particular criteria of performance or quality. SBJ expressly disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
  6. SBJ reserves the right to make changes to the website and its contents at any time and without notice.
  7. Your use of this website and the information contained in it is at your own risk. You assume full responsibility and risk of loss resulting from the use of this website or the information contained in it.
  8. No SBJ employee, or employees thereof will be liable for any special, indirect, incidental, consequential, or punitive, damages or any other damages whatsoever, whether in an action of contract, statute, tort (including, without limitation, negligence) or otherwise, relating to the use of this website or the information contained in it.
  9. If any of the foregoing is not fully enforceable for any reason, the remainder shall nonetheless continue to apply.

Copyright

  1. Copyright © 2008 by SBJ Group Limited - all rights reserved.
  2. All SBJ logos, product names, and all page headers, footers and icons are trademarks or registered trademarks of SBJ Group Limited. All other product names mentioned are the trademarks of their respective owners.
  3. Certain links in the SBJ Web Server lead to resources maintained by third parties over whom, SBJ has no control. Neither SBJ makes any representations or warranties as to the accuracy of, or any other aspect relating to those resources.

Copyright Detail

  1. Unless otherwise stated, SBJ owns the copyright and any other rights in all material on this site.
  2. This copyright and other rights, do not extend to any GIFs/JPG files that may be publicly available.
  3. You may print and download extracts from this site on the following conditions:
    1. The documents and related graphics on this site are for personal use or for use within an individual firm or organisation; any copies of these pages that you save to disk or to any other storage medium may (subject to the exception referred to at 3.4 below) only be used for subsequent personal viewing purposes or for viewing within the firm or organisation by which they were saved or stored
    2. Any extracts which are printed may only be used for personal viewing - or for viewing within the firm or organisation by which they were printed (subject only to the exception referred to at 3.4 below) 
    3. Neither pages saved to disk or stored in any way, not extracts printed, may (subject to the exception referred to at 3.4 below) be distributed to third parties or sold or otherwise circulated for profit
    4. The only permitted exception to the general rules stated in clauses 3.1 to 3.3 above is where extracts (of no more than a few relevant provisions) are copied to individual third parties incidental to advice or other activities 
    5. No documents or related graphics on this site are to be modified in any way 
    6. Graphics on this site are not to be used separately from the accompanying text
    7. Our copyright notice (i.e. © 2008 by SBJ Group Limited) must appear in all copies
  4. You must not reproduce or store any part of this site in any other website or include it in any public or private electronic retrieval system or service, without our prior written permission.
  5. Any rights not expressly granted in these terms are reserved.

Service Access

  1. While we try to ensure that this site is normally available 24 hours a day, we will not be liable if, for any reason, the site is unavailable for any period of time.
  2. Access to this site may be suspended temporarily or permanently and without notice.

Disclaimer

  1. We try to ensure that the information on this site is correct, but we do not give any express or implied warranty as to its accuracy. We do not accept any liability for error or omission.
  2. We are not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use this site, or any material contained in it, or from any action or decision taken as a result of using this site or any such material.
  3. Part of this site may contain material sent to us by third parties. These third parties are responsible for ensuring that the material they submit to us complies with national and relevant foreign law. We are not responsible for any error, omission or inaccuracy in the material. We reserve the right to omit, suspend, or edit any material submitted.
  4. The materials on this site do not constitute financial or other professional advice. You should consult your professional adviser if you require financial advice.
  5. This website might offer links to other sites – they enable you to leave the SBJ site. We do not control the linked sites and we are not responsible for the contents of any linked site or any link in a linked site, or any changes or updates to such sites. We are not responsible for web casting or any other form of transmission received from any linked site. We provide these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of the site.

Jurisdiction

  1. By accessing any part of this site, you will be deemed to have accepted these terms in full.

These terms are governed by and interpreted in line with English Law