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All information provided including specifications, details and prices is subject to change without notice. We make every effort to ensure that information published is accurate and up-to-date but we cannot guarantee this. Laws and regulations regarding property matters change frequently, so it is likely that some information provided could be out of date. To the extent permitted by applicable laws we disclaim all warranties express or implied and all responsibility for inaccuracies, errors and omissions, information which is out of date, inadvertent illegality of content, or virus contamination on www.landlord.co.uk and through data transmission. We will not under any circumstances be liable for any direct, indirect, incidental or specific loss or damage caused through the use of www.landlord.co.uk by: breach of contract, negligence, defamation, infringement of copyright or intellectual property rights. This is the case whether or not we have been notified of such loss, unless specifically covered in any operative contractual terms and conditions. Our insurance articles are intended to provide general insurance information and guidance only. Purchasers from our insurance associates should ensure that their properties are insured for their full replacement values, including the contents, and full landlord liability risks. Our financial, taxation and investment articles/forum are intended to provide general personal financial information only. We urge you to consult an Independent Financial Adviser (IFA) before making any important decisions about your finances. Any statement regarding financial services products and tax liability is based on legislation at the time the article is published. The value of any tax benefits or reliefs referred to in our articles or forum will depend upon your own individual circumstances and these amounts change frequently. You should always verify these values with original sources and/or consult a qualified accountant or the inland revenue. When investment performance is referred to you should always remember that past performance is no guarantee of future returns - the value of the investment can fall as well as rise. Where mortgages or secured loans are explained you should bear in mind that your property is at risk if you do not keep up repayments on a mortgage or other loan secured on it. All mortgages are subject to underwriting status and are not available to people under the age of 18. We disclaim responsibility for all content and activities of linked sites. We would advise users to read the privacy policies when using linked sites. Nothing on the Landlord.co.uk site, in the newsletter or on the Landlord.co.uk Forum is designed to create any direct professional relationship (advisor-client) between the site and its users. You agree to indemnify landlord.co.uk, its employees, agents, associates and partners against any breach by you of the terms of this notice. Further you agree to indemnify landlord.co.uk Limited against any legal claim or demand brought by any third party (including all legal costs and expenses incurred) as a result of your use of this service. Landlord.co.uk Limited acts as a marketing intermediary only, with the exception of direct sales through the web site. Although we do our utmost to advertise associates who provide the best possible products for the industry, we cannot be held responsible for any defects or poor service found. Use of any of the products provided on our web sites implies a binding contract directly between you (the web site user client) and the respective associate / supplier. Should any of the statements or terms and conditions in this disclaimer be determined illegal or unenforceable for any reason by a court of law then such statement, term or condition shall be deemed severable from this notice and the remaining statements, terms and conditions shall survive and remain in full force and continue to be effective, binding and enforceable. We are concerned about the safety and privacy of our users, particularly children and vulnerable people. Parents should at all times supervise the access and use of these services by children. It is your own responsibility to determine which services are appropriate for yourself or your children. Always use extreme caution when revealing personally identifiable information. Gender references may use the "she" or "he" "his" or "hers" or "its" pronouns interchangeably throughout our publications. No preference is given to either gender and of course laws apply equally to both. By accessing and using the landlord.co.uk Limited web sites and forum agree to be legally bound by these terms and conditions. Do not use these facilities and services unless you are willing to accept these terms and conditions in their entirety. These terms may change from time to time. Please review them regularly to ensure you are aware of any changes made by Parkmatic Publications Limited. Your continued use after changes are made means you agree to be legally bound by these terms as updated and amended. By making a landlord.co.uk ltd site purchase through paypal you accept our terms and conditions which form the basis of your contract with landlord.co.uk Limited. By making purchases through the landlord.co.uk website you agree to the terms and conditions published on the site. None of this affects your statutory rights. We reserve the right to refuse to enter into a contract to supply goods or services upon receipt of an order. A contract shall be deemed binding when you receive our confirmation e-mail. Guarantee - In the event that you are not satisfied with the goods supplied from the landlord.co.uk ltd site or the order is terminated we undertake to make a full refund if supplied goods are returned undamaged within 30 days of purchase. In the event document being downloaded no refund will be available. We reserve the right to make a handling charge where a customer abuses our guarantee by persistently ordering and returning goods. The Jurisdiction is England & Wales Forum Terms and Conditions The following Terms and Conditions will apply to you when using landlord.co.uk forum You agree to accept and be bound by these terms and conditions as outlined below. Should you reject the following terms and conditions and not wish to be bound by them, then use of the landlord.co.uk website is prohibited to you. 1. Definitions These definitions shall apply to the following terms and conditions in their entirety. The term “You” or “Your” within these terms and conditions shall be accepted to refer to you, the user of landlord.co.uk. The term “We” or “Us” or “CF” refers to the landlord forum web site, and includes its members. The term “Registration Information” refers to any and all information that is provided by You to Us. The term “Member” refers to the members oflandlord.co.uk either individually or as a group. The term “Content” refers to but is not confined to text, links or images found within this web site The term “Confidential” refers to any and all information not available to the general public. The term “Associate” refers to any affiliate program 2. Acceptable Behaviour Your use of landlord.co.uk forums shall be in accordance with these conditions, which are non-negotiable. You agree that you will not: 1. Post, transmit, upload, email or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships, such as for example, inside information, confidential or proprietary information gained or disclosed as a part of employment relationships, or under agreements of nondisclosure. 2. Post, transmit, upload, email or otherwise make available any content that in doing so infringes upon a trademark, patent, copyright, trade secret or other proprietary rights of any party. 3. Post, transmit, upload, email or otherwise make available any material that contains software viruses, computer code, programs or files that are designed to interrupt, limit the functionality of or destroy any computer hardware or software, or telecommunications equipment. 4. Post, transmit, upload, email or otherwise make available any content that is illegal, abusive, harassing, defamatory, confidential, harmful, threatening, vulgar, libelous, invasive of another’s privacy, or ethnically, racially or otherwise objectionable. 5. Manipulate or forge headers or identifiers with the intention of disguising the origin of any content that you provide to the cableforum.co.uk web site. Register or post in excess of one account with Us. Should it come to our attention that you have registered more than one account, we may remove your posting rights, therefore prohibiting your participation on landlord.co.uk forums 3. Forum Use This section governs use of the discussion forum, and applies to all users either directly or indirectly, registered or otherwise. You agree that you will not: 1. Provoke others or cause trouble. If you wish to argue with people then go to instant messenger or email. 2. Make personal attacks on anyone during your use of the forum. Do not abuse someone for example, because of their race, colour, sex, or religious beliefs. 3. Reignite inflammatory threads by creating new threads after existing threads on the same topic have been closed. 4. Use excessive and unnecessary use of bad language. 5. Attempt to take threads off-topic or make off-topic posts within threads. Off topic posts may be removed at our discretion. The section marked as a designated “off-topic” area is more relaxed on off-topic posts. 6. Argue a moderators decision publicly. Any and all complaints directed at a moderating decision should first be addressed to the moderator in question via private message. If the problem can not be resolved, then You should state Your position to the webmasters, who will make or change any and/or all final decisions on a democratic basis. 7. Reproduce messages sent using the forum Private Messaging function on the forum or anywhere else without permission from the sender, unless requested to by an administrator for site administration purposes. 8. Have a signature larger than 300px wide by 100px high. If your signature is larger than the allotted size given, you will be requested by a moderator to resize your image. Failing to append your signature when requested to by a member of Our staff will result in the removal of your signature. Signatures may not contain adverts of any sort unless previously agreed by Us. Please also keep text signatures under 4 lines. 9. Provide links to third party web sites or content unless given express permission to do so by a moderator or administrator. The exception to this condition is links which are shown to be relevant to any discussion taking place will be permitted within the context of that discussion. We may remove third party links at any time with or without explanation. You agree that: 1. We may, for content management purposes, move a forum thread to a more appropriate forum area if We feel that it is situated in the incorrect forum area. 2. We may, for content management purposes, close a thread. This would usually be because the discussion in the thread is not moving along, users are not covering new points, or that the discussion is going around in circles. We would also consider whether the discussion is interesting or motivates participation in the context of the forum subject matter. 3. We may use an infraction system to warn of inappropriate conduct. Infractions attach points to user’s accounts and expire after a set time period. The points used, and time limits vary with the offense severity. Accounts will be suspended if the total current points reaches or exceeds 8, and are only restored after expiry of sufficient points to drop the total below this limit. When an infraction is issued, or an account is suspended you may PM the team to clarify the matter if you so wish. If appropriate, your comments will be reviewed by team member(s) independent of the original infraction. Removal or alteration of the infraction will only be considered if, in the opinion of the reviewer, a clear mistake occurred. Abusive PMs to the team may attract a longer suspension or even a permanent ban. We reserve the right to permanently ban spammers and persistent troublemakers. 4. landlord.co.uk forums based, English speaking forum, unless you receive prior permission, all posts, articles, signatures or other submissions should be made in English. This is so that we may verify their meaning. 4. Third Party Web sites You accept that we cannot be held responsible for any third party Web sites that you may access through landlord.co.uk forums, and further agree that any third party content is not our responsibility. We do not endorse any third party Web sites or content unless clearly stated, and therefore cannot be held liable or responsible for any promotion, content, service or product that is located on a third party web site. We further cannot be held liable or responsible for any loss or damage, offence that may be caused, or that you allege has been caused by third party content or Web sites All and any contact that you have with third party traders or Web sites that you may come into contact with during your use of landlord.co.uk forums, including but not limited to payments for products or services, any conditions made, warranties offered, or contracts entered into, are your responsibility and not the responsibility of landlord.co.uk forums. 5. Our Rights You will acknowledge and accept that the landlord.co.uk forums site contains a large and varied amount of content. We do not check content posted by you prior to it being placed on the web site. We therefore reserve the right to remove or delete in part or in its entirety any content that you submit should We feel that it violate these terms and conditions, or any guidelines or announcements that may be available to view elsewhere on landlord.co.uk forums. We are neither liable nor responsible for the content that you submit. We will monitor such content as appropriate and act accordingly should we be informed of any objectionable material. You will acknowledge and accept that all content posted on this site becomes the property of the site owners, you acknowledge that You are the author of each message posted and landlord.co.uk forums are the publishers. Each member has 30 minutes to edit or delete their post from the time posted, after this time your posts cannot be altered or removed, you may submit a request to the webmaster or site moderators, to edit or delete your post after the 30 minutes. We will not however, be under any obligation to accept requests to edit or delete a post or a significant amount or all your posts in their entirety. If you request your account to be deleted you acknowledge and accept that we are under no obligation to edit or delete all your posts submitted on the site. You will acknowledge and accept that we have the right to temporarily or permanently remove your ability to post content, and that we further have the right to ban you from the landlord.co.uk forums should you break any of these Terms and Conditions. You acknowledge and accept that in certain circumstances we have the right to provide information to your ISP at our discretion following but not limited to severe disruption by you, the provision of illegal or abusive content, any attempts made by you to re-register after being banned, or for any other reason that involves you breaking these Terms and Conditions. You will acknowledge that reproduction of material from this web site without prior written permission is strictly prohibited. All contributions to this site are also copyright of the site owner. You acknowledge and accept that if you are banned from use of the landlord.co.uk forums web site, you will not in any way attempt to re-register using any other name or identity not known to us, or any other email address not known to us. You have the absolute right to free speech. If you find it impossible to abide by this document, then please feel free to contact one of the many good web hosting companies out there and set up an account, create your own discussion board and exercise that right to your hearts content.