1. About these terms
F.T.I.O. (Finance, Tax & Investment Office) maintains this website to provide information about our services, industries, insights and expert perspectives. These Terms of Use set out the rules that apply whenever you access any part of the site, including all pages, documents, images, videos and downloadable materials.
We may revise these terms from time to time. Each time you use the site, the version published at that date will apply. You should therefore review the terms periodically if you visit frequently or rely on the information for any important purpose.
2. Permitted use
You may view, print and download pages for your own personal, non-commercial reference, provided that you do not remove any copyright, trademark or other proprietary notices. You may not reproduce, republish, distribute, transmit, modify, create derivative works from, or exploit the content for commercial purposes without our prior written consent.
You agree not to use the site in any way that could damage, disable, overburden or impair our servers or networks, or interfere with any other party's use of the site. You must not attempt to gain unauthorised access to any part of the site, other accounts, computer systems or networks connected to our infrastructure.
3. Intellectual property
All content on this website, including text, graphics, logos, icons, images, audio clips, video clips, software, data compilations and code, is the property of F.T.I.O. or its licensors and is protected by international copyright, trademark and other intellectual property laws.
The F.T.I.O. name, logo, service marks and any slogans or taglines displayed on the site are trademarks of F.T.I.O. Nothing in these terms grants you any licence or right to use those marks without our express permission. Unauthorised use of any trademark may constitute infringement and may be pursued to the fullest extent permitted by law.
4. Disclaimers
The information on this website is provided for general informational purposes only. It does not constitute professional advice, an offer to provide services, or a recommendation to take or refrain from taking any action. Before making any decision based on the content of this site, you should consult a qualified professional who can advise on your specific circumstances.
While we make reasonable efforts to keep the site accurate and up to date, we do not warrant that the content is complete, reliable, error-free, secure or free from harmful components. Your use of the site is at your own risk.
5. Limitation of liability
To the maximum extent permitted by applicable law, F.T.I.O. and its affiliates, partners, directors, officers, employees and agents shall not be liable for any direct, indirect, incidental, consequential, special, punitive or exemplary damages arising out of or in connection with your access to or use of the website, even if advised of the possibility of such damages.
This limitation applies regardless of whether the claim is based on contract, tort, negligence, strict liability or any other legal theory, and regardless of whether the loss arises from viruses, data corruption, unauthorised access, service interruption or any other cause.
6. Links to third-party sites
This website may contain links to external websites or resources that are not owned or controlled by F.T.I.O. We provide these links solely for convenience and do not endorse, sponsor or assume responsibility for the content, privacy practices or terms of use of any third-party site.
When you leave our site, you should review the terms and policies of the destination website. F.T.I.O. is not responsible for any loss or damage that may arise from your use of third-party resources.
7. Confidentiality and non-reliance
Information sent to F.T.I.O. through this website does not create a professional or fiduciary relationship unless and until a formal engagement is agreed in writing. You should not send confidential, privileged or time-sensitive information through website forms, email links or social media channels.
8. Governing law and jurisdiction
These Terms of Use and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the jurisdiction in which F.T.I.O. is established, without regard to conflict-of-law principles.
Any legal proceedings relating to the site or these terms shall be brought exclusively in the courts of that jurisdiction, and you submit to the non-exclusive jurisdiction of those courts.
9. Severability
If any provision of these terms is found to be invalid, unlawful or unenforceable by a court of competent jurisdiction, that provision will be severed and the remaining provisions will continue in full force and effect.
10. Entire agreement
These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and F.T.I.O. regarding your use of this website and supersede all prior agreements, understandings and discussions relating to the same subject matter.