Although we have taken reasonable care to ensure that the content on this Site is accurate, you use this Site entirely at your own risk and we (including our shareholders, subsidiaries, agents, consultants or employees) accept no responsibility for any risk, damage or loss resulting from your use of this Site; your reliance on any material or information contained in it; or any inability to access or use the Site.

This includes, without limitation, any direct, indirect or consequential damages of any description, regardless whether arising out of contract, statute, delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage

The information on this Site is of a general nature only, intended to provide broad advertising for our products, services and objectives. As such, information may not always be up to date or accurate.

Site information is therefore published “as is” and is not to be construed the provision of advice of any description, or as an offer to do business with s.

We strongly recommend that you consult your professional advisors before relying on any information on this (or any other Site) or making any investment or related decision. 

Please remember that there are always risks associated with investment decisions including political, currency, regulatory, market, settlement, premium and taxation risks.  Also, note that past performance is not necessarily an indicator of future performance. You should always have your advisers undertake a full need analysis for you in order to be able to make recommendations on appropriate financial products for you, considering your unique objectives, financial situation and particular needs.

Any personal information you supply to Us when you use this Web Site will be used in accordance with our Privacy Policy.

We respect the privacy of our users, and do not collect information from you without your knowledge. We need the following information in order to process your requests: your name, e-mail address and mailing address. We will not release your registration, personalisation and usage data to outside organizations. We may however use information collected for market analysis and we may provide aggregate statistics to reputable third party vendors. We will not include any information that will personally identify any individual to any third party.

You acknowledge and agree that we may, from time to time, access your account and other parts of the service as necessary to identify, investigate or resolve technical problems or to respond to service complaints.

If you choose to personalize this Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. We reserve the right to refuse service, terminate accounts, or remove or edit content at our sole discretion.

Please use Internet E-Mail only to send Us non-confidential notes. Do not include confidential personal or private information. For your protection, our responses will not include any confidential information. Please do not use Internet E-Mail to send us transaction instructions. Customers who choose to send Internet E-Mail messages to Us that contain confidential, private or personal information do so entirely at their own risk.

We may from time to time use the services of other organisations to provide information on our Site. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. Such information is provided "as is" and as above, we accept no liability for any damages that may arise from your use or reliance on it.  Note that most feeds by their nature are not live and may require regular refreshing to update to the most current page available, (although this may still be a delayed display).

We may from time to time provide links to other websites. While aim to use reputable websites, a link is not an endorsement of that Site; or of its providers; or of its business or security practices and operations (including the use of hyperlinks, deep linking, crawlers and metatags, etc.).   You therefore use any such links entirely at your own risk and, as above, we accept no liability for any damages that may arise from your use or reliance on such links.    

We retain the rights to all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or through our Site.

The logos and trademarks shown on this Site are our registered (and unregistered) trademarks (or that of third parties).  Nothing on this Site should be construed as granting any licence or right to use any trademark without our prior written permission (and/or that of third parties). 

You may not, without our prior written permission, use our intellectual property or that of third parties.

Irrespective of the existence of copyright, you acknowledge through this agreement that we are the proprietor of all material on the Site, whether it constitutes confidential information or not, and that you have no right, title or interest in any such material.

Information transmitted via the Internet or email is susceptible to unlawful interception, distortion, monitoring, and spamming or virus infection.  You accept that we cannot be held liable for any loss, harm or damage suffered by you as a result of any such unlawful activities.  To limit risks of this nature, we may also ask for independent verification of any information transmitted by you via this Site or email, from time to time.

We reserve the right at our sole discretion to: modify, suspend or discontinue this Site, whether temporarily or permanently, without notice; impose limits or conditions on the right to access or use certain services, features or functions; restrict access to parts of or all of the services on the Site; or to make changes to the terms of this agreement

In the event that there is any dispute or difference between the parties arising out of or in connection with the use of the Web Site or these Terms and Conditions, either party may give written notice to the other specifying in detail the subject matter thereof. If the parties fail to amicably settle the same within thirty (30) days thereafter, the dispute or difference shall be submitted to arbitration in the Emirate of Dubai before a single arbitrator. Within thirty (30) days after the aforesaid thirty (30) day period the parties shall jointly appoint the arbitrator but if by the end of that second thirty (30) day period, they have not been able to agree on any such joint appointment, the arbitrator shall be appointed by the President of the Dubai Chamber of Commerce. The arbitration shall be conducted in the English language and in accordance with such procedures as the arbitrator agrees provided that no such procedure shall be contrary to any laws for the time being in force or applicable in the Emirate of Dubai. The cost of arbitration shall form an issue between the parties and be borne as provided in the arbitration award and any award shall be final and binding upon the parties and shall be enforceable in any jurisdiction subject to the laws of the relevant jurisdiction concerning enforcement.

Your use of this Web Site and the operation of these Terms and Conditions shall be governed by and construed in accordance with the laws and regulations of St. Lucia.

Our failure to enforce the strict performance of any provision of these Terms and Conditions or the documents it incorporates by reference will not constitute a waiver of Our right to subsequently enforce such provision or any other provisions of these Terms and Conditions or the documents it incorporates by reference.

If any provision (or part therof), of these Terms or Conditions shall be deemed unlawful, void, or for any reason unenforceable then that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions.

These Terms and Conditions and the documents incorporated by reference thereto constitute all the terms of your agreement with us relating to your use of this Web Site. Save as otherwise provided in these Terms and Conditions and the documents incorporated by reference thereto, you acknowledge that you shall have no remedy in respect of any statement, representation, warranty or understanding (whether negligently or innocently made) by any of Our staff, directors, agents, consultants or representatives (and whether authorized or not for this purpose).