Unless specified otherwise, references in this site to 'Xchanging' and the 'Xchanging Group' shall mean Xchanging plc and its subsidiaries and affiliates. Xchanging plc is a public limited company incorporated in England and Wales (registered number 5819018 and VAT number 7 313 410 77) with its principal place of business at 13 Hanover Square, London W1S 1HN United Kingdom.

Your access to and use of this site is subject to the following terms and conditions and all applicable laws. By accessing and using this site, you accept the following terms and conditions, without limitation or qualification.

While Xchanging has taken reasonable care to ensure that the information on this website (other than information accessed by hypertext link) is accurate at the time of last revision of the website, Xchanging accepts no liability for the accuracy or completeness or use of, nor any liability to update, the information contained on this website. It should not be construed as the giving of advice or the making of a recommendation and should not be relied on as the basis for any decision or action. In particular, actual results and developments may be materially different from any forecast, opinion or expectation expressed on this website.

Certain information on this website is of a historical nature and may now be out of date. All historical information should be understood as speaking from the date of its first publication.

Nothing on this website constitutes an invitation or offer to invest or deal in the securities of Xchanging or any Xchanging group companies. This website may contain certain hypertext-links to other websites. Xchanging has not reviewed, is not responsible for, and accepts no liability in respect of, any information or opinion contained on any such other website.

Unless otherwise stated, the contents of this site including, but not limited to, the text and images contained herein and their arrangement are the property of Xchanging. All trademarks used or referred to in this website are the property of their respective owners. Xchanging neither warrants nor represents that your use of materials displayed on this site will not infringe rights of third parties not owned by or affiliated to Xchanging.

Nothing contained in this site shall be construed as conferring by implication, estoppel, or otherwise, any license or right to any copyright, patent, trademark or other proprietary interest of Xchanging or any third party. This site and the content provided in this site, including, but not limited to, graphic images, audio, video, html code, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of Xchanging, except that you may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use, provided that you do not modify the material in any way and you keep intact all copyright, trademark, and other proprietary notices.

The information provided on this site is free of charge and for informational purposes only and does not create a business or professional services relationship between you and Xchanging. Links on this site may lead to services or sites not operated by Xchanging. No judgement or warranty is made with respect to such other services or sites and Xchanging takes no responsibility for such other sites or services. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on this site, or any site or service linked to by this site, is at your own risk.

This site and its contents are provided 'as-is' and Xchanging makes no representation or warranty of any kind with respect to this site or any site or service accessible through this site. Xchanging expressly disclaims all express and implied warranties including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In no event will Xchanging be liable to any party for any direct, indirect, incidental, special, exemplary, consequential, or other damages (including, but not limited to, lost profits, business interruption, loss of programs or data) without regard to the form of action and whether in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with this site, any content on or accessed through this site or any site service linked to, or any copying, displaying, or use thereof.

Xchanging maintains this site in the UK and you agree that these terms of use and any legal action or proceeding relating to this site shall be governed by English law without reference to its choice of law rules. If you attempt to bring any legal proceedings against Xchanging you specifically acknowledge that Xchanging is free to choose the jurisdiction of our preference as to where such action against us may be held. As you have agreed by using this site to choose English law and to govern any such proceedings, we will probably choose to defend any such action in England and we can make this decision entirely as it suits us, without regard to where in the world you are located, or from where in the world you visited this site.

You are responsible for complying with the laws of the jurisdiction from which you are accessing this site and you agree that you will not access or use the information on this site in violation of such laws. Unless expressly stated otherwise herein, any information submitted by you through this site shall be deemed non-confidential and non-proprietary. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so. Because of the open nature of the internet, we recommend that you not submit information you consider confidential.

Xchanging does not accept unauthorized idea submissions outside of established business relationships. To protect the interests of our current customers and ourselves, we must treat the issue of such submissions with great care. Importantly, without a clear business relationship, Xchanging cannot and does not treat any such submissions in confidence. Accordingly, please do not communicate unauthorized idea submissions to Xchanging through this website. Any ideas disclosed to Xchanging outside a pre-existing and documented confidential business relationship are not confidential and Xchanging may therefore develop, use and freely disclose or publish similar ideas without compensating you or accounting to you. Xchanging will make every reasonable effort to return or destroy any unauthorized idea submissions without detailed review of them. However, if a review is necessary in Xchanging's sole discretion, it will be with the understanding that Xchanging assumes no obligation to protect the confidentiality of your idea or compensate you for its disclosure or use. By submitting an idea or other detailed submission to Xchanging through this website, you agree to be bound by the terms of this stated policy.