Terms and Conditions for use of the Sheela Mackintosh-Stewart (‘SMS’) Website

Legal Disclaimer

The information on this site (‘the Site’) is provided by Sheela Mackintosh-Stewart (‘SMS’) and is for general information purposes only.

The information on the Site cannot address your particular requirements, as everybody’s individual relationship will vary greatly from another. Hence all information provided on the SMS website does not constitute any form of advice or recommendation by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment, or other, decisions. You should always take your own advice.

We provide most information on this Site free of any access charge. SMS does not accept any responsibility and shall not be liable for any direct, indirect special or consequential damages whether in contract, tort or otherwise including any economic losses, loss of business, loss of opportunity, loss of sale, loss of goodwill, loss of profits or increased costs arising from the use of this web site or the reliance on information in it. We do not accept liability for death or personal injury caused by negligence or responsibility for fraudulent misrepresentation. The content of this paragraph and its disclaimers and exclusions shall apply to the maximum extent permissible by applicable laws. Any rights not expressly granted herein are reserved.

In using our website you are agreeing to comply with the rules set out below as well as our Privacy & Cookies Policy. We may amend the rules at any time by posting the amended rules on our website.

We endeavour to keep this website running smoothly but SMS does not guarantee uninterrupted access to the website.

Information and Disclaimers

We, the SMS website use reasonable care to ensure that the information appearing on this web site is up to date and accurate. While we make every reasonable effort and precaution to prevent the occurrence of errors and omissions, we make no representations, warranties or guarantees of any kind, express or implied, regarding the completeness, accuracy, reliability, satisfactory quality, fitness for a particular purpose, compatibility or security of information, products, services, or related graphics contained on the website for any purpose (or to third party information, products and services). Any reliance you place on such information is at your own risk. You should independently verify any information before relying upon it. If you find any inaccurate information on the Site, let us know and we will correct it, where we agree, as soon as practicable.

If you send us any information or query, you should ensure that the information you send to us is accurate and does not breach anyone else’s rights such as copyright or is libellous, obscene, menacing, threatening, offensive, abusive, fraudulent, criminal or infringes the rights of other people or in is in any way illegal. Remember that the Site can be viewed around the world and the information you send to us may/will be published on the Site.

Although we hope this Site will be of interest to users, we accept no liability for any loss or damage caused by inaccurate information. The information on the Site cannot address your particular requirements, as everybody’s individual relationship will vary greatly from another. Hence all information provided on the SMS website does not constitute any form of advice, legal or otherwise. Recommendation by us is not intended to be relied upon by you in making (or refraining from making) any specific investment, or other, decisions. You should always take your own advice.

This Site gives a large amount of statistical data and there may inevitably be errors in it. We accept no liability and offer no warranties in relation to it and its content, to the fullest extent such liability can be excluded by law.

We have no control over the use to which the information may be put by the user and accordingly shall not be liable for any loss of profits or contracts or any indirect or consequential loss or damage arising out of or in connection with the use of such information.

We are also a distributor (and not a publisher) of content supplied by third parties and users of the Site. If so, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, or users, are those of the authors or distributors and not of us. We do not necessarily endorse nor are we responsible for the accuracy or reliability of any opinion, advice or statement made on the Site.

Links to other websites

We have no control over the nature, content and availability of any third party websites to which this website may link to. Linking should not be taken as endorsement of a website, including any products and services referred to in that website, nor does it imply that there is an association between SMS and the operators of that website.

SMS cannot guarantee that these links will work all the time and has no control over the availability of linked pages. We endeavour to keep this website running smoothly but SMS does not guarantee uninterrupted access to the website. Users of this web site link to other web sites at their own risk and use those web sites according to the terms and conditions of use of those web sites. If you make an arrangement with anyone named or connection with another website this is at your sole risk.

Any views expressed in messages on the Site are not necessarily those of expressed by us.

We provide hypertext links to other sites are operated by other people. Using such a link means you are leaving our Site and we take no responsibility for, and give no warranties, guarantees or representations in respect of linked sites.

Transmitted material

Any material or information transmitted to or posted to this web site by any means will be treated as non-confidential and non-proprietary and may be disseminated or stored or used by SMS for any purpose whatsoever including but not limited to developing, manufacturing and marketing products and services. Please read our online privacy policy.

Do not post or transmit to or from this web site any unlawful, threatening, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any other material which could give rise to any civil or criminal liability in the territory to which this web site relates.

Copyright

The Site contains copyright material, trade names and other proprietary information, including, but not limited to, text, software, photos, graphics and may in future include video, graphics, music and sound. The entire contents of the Site are protected by copyright law. We, or our licensors, own copyright and/or database right in the selection, co-ordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part except as provided in these Terms.

You may download information from the Site for your own personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without our express permission and that of the copyright owner. In the event of any permitted copying, redistribution or publication of copyright material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyright material.

You may not use (delete ‘any’) the name Sheela Mackintosh-Stewart, SMS , logos, images or photographs on this site, without our express consent.

Content/software

All content included on this Site, including text, graphics, logos, icons, images, photographs, software and source code, and the arrangement and compilation of such content and any databases are the property of SMS or its software suppliers and is protected by United Kingdom and international intellectual property laws, including, copyright laws.

You may print material from this website for your legitimate personal purposes, but you may not charge a fee for any use and commercial use is expressly prohibited. Appropriate acknowledgment of the copyright owner is required if material is re-published in any format and no endorsement.

Due to the nature of communications over the Internet and the inherent risks of the transfer of data over the Internet, SMS shall not be liable for any damage or loss whatsoever resulting from viruses or the corruption or loss of data or damage to software or hardware.

Legal Jurisdiction and Dispute Resolution

This website is created and controlled by SMS. Rules as to use or access to this Site are subject to English Law and you agree to submit to the jurisdiction of the English Courts in relation to any matter or dispute arising out of or in connection with your use of this website, notwithstanding the jurisdiction where you are based. You irrevocably agree that the courts of England shall have exclusive jurisdiction to settle. The place of performance shall be England.

We make no warranty or guarantee that the Site or information available over it complies with laws other than those of England.

If you do not agree to these conditions, please cease use of the Site immediately.

Privacy & Cookies

By accessing or using the SMS website, you agree to the terms of the SMS Online Privacy Policy and the use of cookies, as outlined below. If you do not agree to these terms, please do not access or use this Site.

We will collect and store any personal data that you may volunteer by completing the enquiry forms contained within this website. We only collect and store information about you to allow us to process and fulfil your enquiry. We will only ever obtain information from you that is ‘fit for purpose’ and does not constitute an invasion of your privacy. When you submit information to SMS, you understand and agree that we may store your information in a secure manner.

Google Analytics

We collect web statistics using Google Analytics about your visit to our site based on your IP address. This information is used to help us follow browsing preferences on our site so that we can regularly improve our web site. We do not use this information to identify you as an individual and you will remain anonymous, unless you are asked to identify yourself by completing a form. The information we gather will also enable us to better understand your needs and how you use this website so that we can continue to improve our performance over time.

You can find out more about Google’s position on privacy as regards its analytics service at http://www.google.com/policies/privacy.

Cookies

Information and data may be automatically collected through the use of cookies. Cookies are small files stored within your web browser from our website. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. Cookies do not collect personal information about you nor do they allow us to access your computer in any way. All information is collected lawfully and in accordance with the Data Protection Act 1998.

We use tracking cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and no personally identifiable information is stored.

You can choose to accept or decline cookies. All web browsers automatically accept Cookies, you can modify your browser security settings to block Cookies although you should be warned that changing Cookie settings can adversely affect the performance of our website. If you do not wish us to store cookies on your device, then please visit this link, which will give you detailed instructions on how to disable and delete cookies in your browser settings.

We use the following types of cookies on the website:

Session cookies

These are temporary cookies that remain until you leave our web site or close the browser window. We use these to carry information across pages of our web site and in some cases, to prevent data from needing to be re-entered into forms.

Analytic cookies

We additionally make use of analytical cookies through Google Analytics. These cookies help us compile anonymous statistics that allow us to understand how visitors are using our web site, which pages are being visited, and help us improve it and its content. These cookies do not identify visitors personally.

Our use of Google Analytics will set the following cookies on your device (information taken from http://code.google.com/apis/analytics/docs/concepts/gaConceptsCookies.html)

__utma: This cookie is typically written to the browser upon the first visit to your site from that web browser, and is used to determine unique visitors to a site and is updated with each page view.m

__utmb: This cookie is used to establish and continue a user session with your site. When viewing a page, the Google Analytics code attempts to update this cookie. If it does not find the cookie, a new one is written and a new session is established. Each time a user visits a different page on my Site, this cookie is updated to expire in 30 minutes, thus continuing a single session for as long as user activity continues within 30-minute intervals.

__utmc: Historically, this cookie operated in conjunction with the __utmb cookie to determine whether or not to establish a new session for the user.

__utmz: This cookie stores the type of referral used by the visitor to reach my Site, whether via a direct method, a referring link, a website search, or a campaign such as an ad or an email link. It is used to calculate search engine traffic, ad campaigns and page navigation and is updated with each page view.

Google offers an opt-out tool https://tools.google.com/dlpage/gaoptout , which allows you to opt out of all their Analytics tracking for all web sites as an add-on to most popular browsers.

Third Party Cookies

Our website also carries embedded ‘share’ buttons to enable users of the Site to easily share articles with their friends through a number of popular social networks. These sites may also set cookies when you are also logged in to their service. We do not control the dissemination of these cookies and you should check the relevant third party website for more information about these cookies.

http://twitter.com/privacy

http://www.linkedin.com/static?key=privacy_policy

http://www.facebook.com/about/privacy

To read more about cookies, what they mean, what they can be used for and why we have made this statement, please visit http://www.aboutcookies.org. We may amend this policy in line with future changes in legislation or best practice.

Links to other websites

Our website may contain links to other websites or services. You should note that we are in no way responsible for the content or privacy policies these websites / services may have in place and advise that you use caution and refer to these websites own Privacy statements and terms.

Your Rights

Please note that in agreeing to share these details you have not forfeited your rights as outlined under the Data Protection Act 1998.