This website is operated by John Owens Associates.

The following terms and conditions govern your use of this website and by using this website you agree to them. If you do not agree to these terms, please leave the website immediately.

 

The public information on this website and available for download is provided free of charge and is intended to be helpful to businesses. The material in the download section of this website is however, (and remains after download), the copyright of John Owens Associates.

 

Due to its general nature the information on this website and available for download cannot be taken as comprehensive and should never be used as a substitute for legal or professional advice. We also cannot guarantee that the information applies to the individual circumstances of your business.

 

Despite our best efforts it is possible from time to time that some information may be out of date.

 

Any reliance you place on information found on this site or linked to on other websites will be at your own risk.

 

You should consider seeking the advice of independent advisers, and should always check your decisions against your normal business methods and best practice in your field of business.

 

The operators of this website, its agents and employees, are not liable for any losses or damages arising from your use of this site, other than in respect of death or personal injury caused by their negligence or in respect of fraud.

 

Hyperlinks contained in this website lead to other websites. Although we check these sites regularly, they are not under our control.

 

We are not responsible for the content of any linked website and cannot take responsibility for the consequences of your using the information or services on linked websites.

 

We cannot guarantee that these links will work all the time. A link to a third-party website does not imply endorsement; use your own business judgment to decide whether the information or service on that website is suitable for your needs.

 

If a website is not linked to, this does not mean or imply that it is unsatisfactory. The websites we link to are regularly reviewed in the light of customer usage and feedback.

 

John Owens Associates have made every effort to check and test this website during production. However, we would advise you to run an anti-virus program on anything you download from the Internet. We cannot accept any responsibility for any damage to your computer system or loss of data caused by using this website.

 

This website and the use of it is governed by English law and English courts shall have exclusive jurisdiction over any disputes connected to this website.

 

If you have any queries resulting from reading these Terms and Conditions please let us know via our Contact page