Privacy Policy Disclaimer

Any information, beliefs, thoughts or any kind of 'posting' submitted by forum members in this web based 'community' on this website are expressly the opinions of those 'community' members only, and do not reflect in any way the opinions of, its staff or any persons working on behalf of

Any forum 'posts' on this website is provided by as a web based 'community' service and is intended only to provide a forum for like minded 'community' members. does not represent that the information selected for this forum is accurate, verified, current, comprehensive or complete. For this reason, you should neither rely nor act upon any of the information contained in this forum, and if you do so, it will be entirely at your own risk. cannot accept responsibility for any errors or omissions as a result of any forum 'posts', negligence or otherwise. Please note that cannot provide legal or financial information and is merely an online IVA community.

Welcome to If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern relationship with you in relation to this website.

The term or "us" or "we" refers to the owner of the website whose registered office is 20 Garrick Street, London, WC2E 9BT. The term "you" refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

  • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  • This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics and video content. Reproduction is prohibited unless permission has been expressly given by
  • All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
  • Unauthorised use of this website may give to a claim for damages and / or be a criminal offence.
  • You may not create a link to this website from another website or document without prior written consent.
  • Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales.