following needs to be clarified. When there is a stipulation pertaining to the user, we will refer to this person as "you". Global Internet Investment Limited will be referred to as "we".

 This contract is subject to the laws of England and Wales. When accessing information from outside the United Kingdom you agree irrevocably to process, store and keep confidential all information as if you are subject to the Data Protection Act 1998 that applies in England and Wales.

 We host information related to financial institutions that may lead you to interact and transact with these institutions. This information is deemed to be as accurate as the financial institutions provide us with. This information is therefore deemed to be accurate. By using this information, you endorse that this information is accurate and honourable.

 We can not be held liable by you the user or the financial institution if there is contention over the accuracy of the information stored on our database. The information is stored and updated as and when we are able to do so. The accuracy of the information provided on our web site is subject to the information being disclosed to ourselves on a regular and within a suitable timeframe.

 You agree that you will not use any of the information hosted on our web site as the sole basis for any decision you may make.

 You agree that you will not hold us, our employees, or any of the financial institutions hosted on our web sites liable for any direct or indirect damages, costs, losses or expenses of any nature resulting from the use or misuse of the information delivered by us. You agree to indemnify and keep indemnified us, our employees and agents and the financial institutions affiliated to us against any claim or action made against them for any losses damages costs or other expenses in connection with your use of our services.

 Registration as a member of Global Internet Investment is Free. This entitles you to view any detailed information that we may store on our database for free. As well as being subject to some marketing by the financial institutions that is affiliated with our company. This may be subject to you ticking a box on registration that will allow us pass on your information for marketing endorsement action.

 You agree that you will not use the information provided by us in any way that might be detrimental to us or to the financial institutions affiliated to ourselves.

 We take substantial steps to protect the privacy of an individual when providing information over the Internet. You acknowledge and understand that there is always a remote possibility that criminal actions may result in unauthorised access to the information presented to you. We take no responsibility if confidential information is unlawfully intercepted, hacked or stolen and subsequently disclosed.

 We have installed security devices and follow procedures that are designed to prevent illegal access to information. From time to time we may have to provisionally suspend access to our services to enable us to protect this information. You agree that we may cease supply of information to you at any time and without notice and for any reason that we will not disclose or discuss.

 We continually try to improve the services we offer and may change the contents on our, the suppliers of information and any other aspect of our products and services without notice.

 We provide links to other sites on our website including those which will enable you to apply for credit, loans, mortgages or any other financial packages we host. These are provided for your convenience. We have no control over the content of the linked web sites and assume no liability or responsibility for their accuracy, completeness or otherwise.

 Our financial partners Richards IFA may provide financial advice on a financial matter. This allows our web site to be regulated by the FSA in the United Kingdom. We can give no warranty that the advice is correct in every detail and that all errors will be successfully removed, as we may not know all the facts and amendments to information databases are always at the discretion of the ultimate financial institution, and not us.

 You agree that you will not disclose your password and user name to any one at any time. You agree that you will not distribute or make available any information supplied by us to any third party and thereby provide advice regarding the information provided on our web site. Thereby aiding another to make a financial decision based on information that may not be unequivocally correct. We will not bee held liable in such actions.

 If you become aware of any unauthorised use of our services, you agree to inform us immediately in order that steps may be taken to protect confidential information.

 In the event of any dispute between us regarding the understanding of these terms and conditions or the rights and obligations of either of us, as an alternative to any right you may have to take legal measures, you may choose to submit the dispute either to the arbitration of two parties (one selected by you and one selected by us) or to a commonly agreed intermediary in accordance with the Arbitration Act 1996 or any subsequent amendment to that law.

 These terms and conditions do not affect your statutory rights.