Terms and Conditions

These terms apply to the website of 4 KBW (www.4kbw.co.uk)

By using this website you agree that you have read these terms and conditions and that you agree to them. These terms and conditions and your use of this website are governed by and construed in accordance with the laws of England and Wales and subject to the exclusive jurisdiction of the English courts. If you do not agree to these terms and conditions you are not authorised to use this website. 4 KBW reserves the right to change the terms at its discretion without prior notice.

Please read the terms and conditions below.

Legal information

Any information about 4 KBW and services provided on the website is for general information only, does not take account of any individual circumstances and may not reflect recent changes in the law. The information on the website refers only to the law of England and Wales and is intended only for residents of England and Wales. Users should be aware that laws and regulations may be different outside England and Wales. Detailed specialist advice should always be obtained from a suitably qualified lawyer before taking, or not taking, any action.

Disclaimer & Exclusion of liability

Although care is taken to ensure that the information on the website is accurate and up to date, 4 KBW cannot accept any responsibility for mistakes or omissions. 4 KBW enters into no express or implied conditions, warranties, terms or representations regarding the quality, accuracy or completeness of the information. 4 KBW excludes to the extent lawfully permitted all liability for loss or damage, whether direct, indirect or consequential (including, without limitation,, lost profits, lost opportunity, lost business, loss of goodwill, loss of contracts, unforeseeable loss, increased overheads or administrative expenses or management time) arising out of your use of or inability to use this website, or from any information or omission contained in this website.

While 4 KBW tries to ensure that the website is available 24 hours a day, we cannot guarantee this and will not be liable if for any reason the website is unavailable at any time or for any period. Access to the website may be suspended temporarily and without notice in the case of system failure, maintenance or repair, for reasons beyond our control or any other reason considered to be appropriate in the circumstances. 4 KBW shall have no liability in respect of any such suspension. Except where specifically stated in respect of on-line products, nothing in these pages constitutes either an offer or legal or other professional advice and by using this website you confirm that you have not relied on any such content. The website may contains links to other websites not operated or controlled by 4 KBW. If you use these links, you will leave the website. These links are provided for convenience only and do not constitute any endorsement by 4 KBW of the organisation promoted on the linked websites, their products or services.

4 KBW does not have any control over such linked websites or the content of them and cannot accept any responsibility for them. Please note that although reasonable care is taken to ensure that the website and the materials available from it are virus-free, 4 KBW cannot accept responsibility for any viruses which may affect any material you download. You may not misuse the website (including, without limitation, by hacking, attempting to gain unauthorised access to the website or any server on which the website is stored, or by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful). You may not attack the website via a denial of service attack or a distributed denial of service attack.

By breaching this provision you may commit a criminal offence under the Computer Misuse Act 1990. 4 KBW will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the website will cease immediately. 4 KBW will not be liable for any loss or damage caused by a distributed denial of service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the website.

Intellectual property

The intellectual property rights (including, without limitation, copyright and trade marks) in all material on the website (including, without limitation, text, images and plans) are owned by 4 KBW unless otherwise stated and your use of them is limited as set out below.

Except where otherwise stated, you are permitted to display the pages of the website on your computer screen and print a reasonable number of unmodified copies of any of the pages of the website for your own, non-commercial use. You may not change or delete any author attribution, trade mark, legend or copyright notice, and by printing or displaying the website you do not acquire any rights in it.

Except as expressly permitted under copyright law, any other copying, modification, reproduction, permanent storage, repackaging, distribution, transmission or commercial exploitation of any of the material on the website by any means without the prior written consent of 4 KBW is prohibited. This applies to both the visual content of the website and the source code. You may create links to the website but must not frame the website on any other site nor may you create a link to any part of the website other than the home page without prior written consent.

Data Protection Act

All members of 4 KBW are registered under the Data Protection Act 1998.