Terms and Conditions of Access to this Website

Important Information

Before accessing and using this web page (this “Web Page”), please read the following terms and conditions (the “Terms and Conditions”) carefully.  The Terms and Conditions govern your access to, and use of, this Web Page and you will need to agree to be bound by the Terms and Conditions before you will be granted access to this Web Page.

Access and Use of this Web Page

The materials and information on this Web Page (the “Materials”) have been placed on this Web Page by International Personal Finance Plc (“IPF“) for information purposes only.  The Materials do not, under any circumstances or in any jurisdiction, constitute or form part of, and shall not be construed as:

(i)      an offer of securities or other financial instruments;

(ii)    an offer to sell, or solicitation of an offer to buy, any securities or other financial instruments; or

(iii)   any advice or recommendation with respect to any investment decision in respect of any securities or other financial instruments.

The distribution and/or use of the Materials may be restricted by local law or regulations in certain jurisdictions.  The Materials are not intended for distribution to, and/or for use by, any person or entity in any jurisdiction where such distribution and/or use would be contrary to local law or regulation.  Persons accessing this Web Page are required to inform themselves about and observe such restrictions and by accessing this Web Page you represent that you are a person into whose possession the Materials can be lawfully delivered in accordance with the laws of the jurisdiction in which you are located.

The Materials are intended to be distributed only to, and are directed only at:

(i)      persons who have professional experience in matters relating to investments, falling within Article 19(1) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005; and

(ii)    any other persons to whom the Materials may otherwise be lawfully communicated.

The Materials must not be acted on or relied on by, nor are the securities or other financial instruments referred to on this Web Page available to, any other persons.

The securities or other financial instruments referred to on this Web Page have not been, and will not be, registered under the United States Securities Act of 1933, as amended (the “Securities Act”), and have not been offered, directly or indirectly, and will not be offered or sold, directly or indirectly, in or into the United States or to, or for the account or benefit of, any U.S. person (as defined in Regulation S under the Securities Act) absent an applicable exemption from the registration requirements under the Securities Act.  Accordingly, none of the Materials or any information relating to such securities or other financial instruments is directed at any person or entity within the United States or at any U.S. person and must not be accessed if you are located in or you are a resident of the United States and no such Materials or information should be released, published or distributed directly or indirectly in or into the United States.

Where the Materials have been made available to you, this has been done on the basis that you are a person into whose possession such Materials may be lawfully delivered in accordance with the laws of the jurisdiction in which you are located and you may not, nor are you authorised to, deliver the Materials, electronically or otherwise, to any other person.

No Representations or Advice

Whilst IPF has taken all reasonable steps to ensure that the Materials are accurate as of the relevant date stated, neither IPF nor any of its affiliates or their respective directors, officers, employees or agents (or any related person or entity) makes any representation or warranty with respect to the Materials. Neither IPF nor any other person has any obligation, or has assumed any responsibility, to update any of the Materials or any other information for facts or events arising after the date that such Materials or other information is published. Any person accessing this Web Page should therefore be aware that the Materials may be out of date.

None of the Materials are, or purport to be, investment, tax or other advice or are intended to provide the basis of any credit or other evaluation, nor should any such Materials be considered a recommendation by IPF or any of its affiliates or their respective directors, officers, employees or agents (or any related person or entity) to purchase or sell, or make any other investment decision with respect to, any securities or other financial instruments. Neither IPF, nor any of its affiliates, agents or representatives, makes any representation regarding the possible legal, regulatory, accounting or tax consequences of an investment in the securities or other financial instruments referred to on this Web Page. IPF acts neither as an adviser to, nor owes any fiduciary duty to, any person accessing this Web Page. Any person accessing this Web Page should make its own independent evaluation of the transactions described, the risks involved, and the relevance and adequacy of the Materials and should make such other investigations as it deems necessary. Investors should also consult their own legal, tax and other advisers in order to make any investment decision. The Materials are not tailored for any particular investor and do not constitute individual investment, tax or other advice. Any person accessing the Materials should also be aware that such Materials may contain additional disclaimers or limitations on liability.

Limitations on Use

Except to the extent expressly set out in the relevant Materials, no person or entity may use or rely on the Materials for any purpose whatsoever, including, in particular, the making of any offer to sell, or any solicitation of an offer to buy, any securities or other financial instruments referred to on this Web Page.

Neither IPF, nor any person who controls it, nor any affiliate of IPF, nor any director, officer, employee or agent of any of the foregoing, accepts any liability arising out of or in connection with the use of the Materials.

Your Agreement

By clicking “I agree” below, you are certifying that you have read and understood, and that you agree to be bound by, the Terms and Conditions. If you are not permitted to access and/or use the Materials or are in any doubt as to whether you are permitted to access and/or use the Materials, please exit this webpage or click “I disagree” below. Should you click “I disagree” below, you will not be able to access this Web Page.