1. Pembroke Managing Agency Limited ("Pembroke") is the owner of the copyright and all other intellectual property rights in all the material on this website. The material in the website may not be reproduced or transmitted by any person by any means (unless previously authorised in writing by Pembroke) other than for non-commercial purposes.

2. This information and the opinions in the website are not necessarily comprehensive and do not purport to give professional or accurate information on which any reliance may be placed.

3. This information does not constitute an offer by Pembroke to sell any product or services within the UK or abroad. Pembroke does not warrant the accuracy of any such information which may, in any event, be corrupted at any time by electronic transmission. No reliance must be placed on the information in the website for any other purpose.

4. Pembroke shall not be liable for any claims, costs, damages or expenses that may arise from any act or omission on the part of any visitor to this website or of any third party acting in reliance on any information in the site or in any links to or from the site, which are provided for information only.

5. You are strongly advised to verify the accuracy of any such information before relying on it. There will be no objection to your telephoning the Pembroke head office (details as shown on the site) to obtain further information.

6. All personal information supplied by you will be held by Pembroke in confidence in accordance with the Data Protection Act 1998, though no warranty can be given that such information will not be corrupted electronically and Pembroke accepts no liability whatsoever in this regard.

7. Pembroke Managing Agency Limited is regulated by the Financial Services Authority (the FSA) and is subject to the byelaws of Lloyd's of London in respect of its insurance business.

8. These terms are governed by and shall be construed in accordance with the laws of England and Wales. All disputes shall be subject to the exclusive jurisdiction of the English courts.

9. Pembroke Managing Agency Limited is registered in England, no. 5832065, and the registered office is Pembroke Managing Agency Limited, Second Floor South, 3 Minster Court, Mincing Lane, London EC3R 7DD.