Terms and Conditions     


This web site contains material which is protected by copyright and/or other intellectual property rights.

You may

  • access any part of the web site.

  • print off one copy of any or all of the pages for your own personal reference.

You may not (without my express written consent)

  • copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), broadcast, alter or tamper with in any way or otherwise use any material contained in the web site except as set out under "You may". These restrictions apply in relation to all or part of the material on the web site.


  • All information or advice provided as part of this web site is intended to be general in nature and you should not rely on it in connection with the making of any decision. I try to ensure that all information provided as part of this web site is correct at the time of inclusion on the web site but I do not guarantee the accuracy of such information. I am not liable for any action you may take as a result of relying on such information or advice or for any loss or damage suffered by you as a result of you taking this action.