Last updated 19 June 2006

Terms and Conditions for use of the TCF Info website

1. TCF Info is managed by Frank Eve Consulting Limited from the United Kingdom and complies with English law. The information contained within this site is not intended for distribution to, or use by, any person, company or other organization or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. In entering our site you as a user ('You') are accepting our terms and conditions.

2. Using TCF Info
All TCFInfo business names, brand names and trademarks are the exclusive property of Frank Eve Consulting Limited and may not be reproduced or copied except as set out below. The contents of the pages constituting the web site are © Frank Eve Consulting Limited. The copying or incorporation into any other work of part or all of the material available on this web site in any form is prohibited except that you may print or download extracts of the material on this site for your personal use. Any other use of material from this website including but not limited to the use of any such material on any other web site or public computer environment is prohibited. The access and use of TCF Info featuring these terms and conditions constitutes your acceptance of these terms and conditions. They take effect from the date on which You first use this website.

3. The guides, tips and tools on this website have been created following market research to assist intermediaries to understand their obligations arising under the FSA’s TCF initiative. Whilst TCF Info has made every reasonable effort to check the accuracy of the material – and will make every reasonable effort to keep it updated - TCF Info cannot be held responsible for any inaccuracy or omission in the material, nor for any breach of FSA or other regulations that may result from use of or reference to this material by You. TCF Info recommends that You check the detailed regulations with the Financial Services Authority (FSA) and other regulatory bodies relevant to your business. For more detail read the section ‘Disclaimer’ below.

4. You agree to use this site only for lawful purposes, and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this site by any third party. Such restriction or inhibition includes, without limitation, conduct which is unlawful, or which may harass or cause distress or inconvenience to any person, and the transmission of obscene or offensive content or disruption of normal flow of dialogue within this site.

5. You are prohibited from posting or transmitting via this website any unlawful, defamatory, obscene, offensive or scandalous material, or any material that constitutes or encourages conduct that would be considered a criminal offence, likely to give rise to civil liability, or otherwise violates any law. We will fully co-operate with any law enforcement authorities or court order lawfully requesting or directing us to disclose the identity of anyone posting any such information or materials on this website.

6. Information collected by us is used for internal review to:

• improve the content of TCF Info
• customise the content and/or layout of TCF Info
• notify users (with their consent) about updates to TCF Info
• contact users (with their consent) for marketing purposes

7. Information collected is not shared with other organisations for commercial purposes unless You have expressly chosen to take part in a survey the results of which You have agreed may be used in this way.

8. Linking to TCF Info
TCF Info welcomes and encourages other websites to link to the information that is hosted on these pages.  You do not have to ask permission to link but We can provide wording and linking graphics.

9. Disclaimer
The TCF Info website and material contained in it  is 'as is', without any representation or endorsement made and without warranty of any kind whether express or implied, including, but not limited to, the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, completeness and accuracy.

10. We do not warrant or represent that the functions contained in the material available on this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or represent the full functionality, accuracy or reliability of the materials.

11. In no event will We be liable for any expense, loss or damage including, without limitation, indirect or consequential loss or damage, or any expense, loss or damage whatsoever arising from use, or loss of use, of data, or loss of profits, arising out of or in connection with the use of www.tcfinfo.co.uk, or reliance on its content.

12. No data transmission over the internet can be guaranteed as totally secure.  Whilst We strive to protect such information, we do not warrant and cannot ensure the security of any information which you transmit to us.  Accordingly, any information which you transmit to us is transmitted at your own risk.

13. The TCF Info website is not a substitute for interpreting the FSA Conduct of Business Regulations or any other regulations to which You may be bound and we recommend that You check the regulations for your particular circumstances with the FSA and any other relevant regulatory body.

14. The material on this website may include the views or recommendations of third parties, which do not necessarily reflect the views of TCF Info, or indicate its commitment to a particular course of action. We assume no responsibility or liability arising in respect of any such third party material.

15. Governing law
These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising under these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Links to external websites
Links on TCF Info will lead to other websites which are not under our control. We are not responsible for the content of any linked site. Listing and linking should not be taken as an endorsement of any kind and We accept no liability in respect of the content. While we will endeavour to keep links up to date, we cannot guarantee that these links will work all of the time and have no control over the availability of the linked pages.

17. Virus protection
We make every effort to check and test material at all stages of production. You must take your own precautions to ensure that the process which You employ for accessing this website does not expose You to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. It is always wise for You to run an anti-virus program on all material downloaded from the internet.
We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

18. Variation
We may at any time revise these terms and conditions without notice. Please check regularly. Continued use of the TCF Info website after a change has been made is your acceptance of the change.

19. General
We accept no liability for any failure to comply with these terms and conditions where such failure is due to circumstance beyond our reasonable control.
If We waive any rights available to us under these terms and conditions on one occasion, this does not means that those rights will automatically be waived on any other occasion.
If any of these terms and conditions are held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions shall nevertheless continue in full force.