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This site is presented in good faith as a resource intended to be helpful to its users. However, for prudential reasons it is necessary to insist that all usage of the site is governed by the following terms, conditions and disclaimers. Herman & Wilkinson, nor any associated companies, nor any providers of content to this web site make any warranties, express or implied, as to benefits or other results of using this site. Furthermore, the foregoing parties make no warranties of any kind in relation to any use whatever to which the information or content provided may be put. The owners and promoters of this site will attempt to provide accurate information but give no guarantees and accept no liability for the accuracy of information provided, nor for the the contents of any advertisements, nor for any claims or assertions or omissions in advertisements or any other content on this site.

This site provides hyperlinks to other sites for informational purposes only and accepts no responsibility for any content on such sites nor for the consequences of any actions taken by any person or persons pursuant to usage of any such hyperlinks. Herman & Wilkinson nor any parties providing information or other content on this site will be liable for any third-party claims or losses of any nature arising out of use of this site. You accept that in proceeding to use this site, you have read and you accept the above terms, conditions and disclaimers. You further accept that any and all consequences of your use of this site are your own responsibility and that you will not seek to take action of any nature against this site nor against any persons associated with it. These terms, conditions and disclaimers are subject to change from time to time. In using this site you agree to be bound by any such change that may be in force. It is important to understand that nothing in this site represents an offer to sell any product whatsoever, nor an endorsement of any particular product. In relation to any discussion of investment products it is important to understand that the value of investments may go down as well as up. © 2006 Herman & Wilkinson Limited.