Introduction

These Terms of Use form the basis upon which allow you to access this Website.

To ensure your full understanding of these terms, any reference to “Website” shall mean this Website, which is accessible from the domain name [http://www.Studio4financial.co.uk].

If you have any query about these Terms of Access, or the Website generally, please contact us.

In accordance with the Electronic Commerce Regulations 2002 and the Consumer Protection (Distance Selling) Regulations 2000, we are obliged to provide the following information to you:

Express Gifts Limited
Company Number: 00718151
Registered office: Burley House, Bradford Road, Burley in Wharfedale, W.Yorks. LS29 7DZ
Vat Number: 125 6886 44
Consumer Credit license reference: 343851
Data Protection registration: Z6552731

By accessing this Website, you shall be regarded as having had sufficient notice of these Terms of Access. If you do not agree to these Terms of Access, any implied or express permission to make such access shall be explicitly revoked, in which case you must immediately leave this Website.

Intellectual Property Rights

Unless otherwise acknowledged by us, we own all proprietary and other intellectual property rights (including copyright) in this Website belong to us.
We grant to you, a non-exclusive, royalty free licence to access and utilise this Website in accordance with these Terms of Access

Use of the Content & Restrictions

For the avoidance of doubt, you are forbidden from copying, adapting, storing or distributing this Website and its content in any way, other than in accordance with these Terms of Access.

You shall only be entitled to make copies of this Website or its content, if the purpose is for personal, educational and non-commercial reasons.

You undertake to ensure that if any part of this Website is reproduced (irrespective of whether or not it has been published or not), it shall be accompanied by an acknowledgment in the following form: “Copyright © Express Gifts Limited, 2003”.

You undertake that you shall not:

• redistribute or resell the Website or its content without our prior written consent;
• make any attempt whatsoever to reverse compile, copy or adapt any part of the Website;
• utilise the Website other than in a manner, which is strictly in accordance with accepted internet usage standards and protocols.

Hypertext Links

This Website may contain hypertext links to websites operated by parties other than ourselves. Such hypertext links are provided for reference purposes only.

We do not control or operate any websites other than our own, and shall not be responsible for their content, whatever that might be.

The inclusion of any hypertext links within this Website shall not under any circumstances imply any such endorsement by us of the material on any such websites being linked to.

Any implied licence to access this Website or its content by way of hypertext link, deep-liking, tagging or framing ("Links") is explicitly revoked.

No party (including you) shall be entitled (nor shall you assist others) to set up Links from any third party websites to this Website, unless the said Links are made directly to the home page of this Website.

Data Protection

Any personal data supplied by you to us shall be processed by us in accordance with our Data Protection Policy.

The Data Protection Policy shall form an integral part of these Terms of Access.

Availability and Quality of Content

We do not offer any warranty as to the availability of this Website, which is made accessible on an “as is” basis.

We reserve the right to remove or alter the structure or presentation of this Website, either temporarily or permanently.

Whilst every care is taken to ensure that the information contained within this Website is accurate, no warranty or representation is given by us, as to its quality, accuracy, completeness or fitness for a particular purpose.

You shall be responsible for the provision (including any associated costs) of the necessary software, hardware, telecommunication lines and any other equipment required to enable access to the Website.

You acknowledge sole responsible for determining the suitability and adequacy of the Content for any requirements.

Liability

Under no circumstances whatsoever shall we be liable for any direct, indirect, consequential or incidental damages, arising out of:

• the accuracy or quality of this Website;
• the use, or inability to make use this Website;
• the transmission of any computer viruses, bugs, worms or other harmful components
  computer service or system failure;
• access delays or interruption;
• data non-delivery or mis-delivery;
• breaches of security;
• unauthorised use of the system arising from "hacking" or otherwise.

We do not seek to exclude liability for death or personal injury.

Amendment of Terms

We may amend and edit these Terms of Access from time to time, and without your prior consent.

It is your responsibility to revisit this page from time to time to re-read this notice. Any revised Terms of Access shall take effect as at the date of their posting.

Jurisdiction and Choice of Law

These Terms of Access shall be governed by the laws of England & Wales, and you shall submit to the exclusive jurisdiction of the English Courts.