This World Wide Web site is owned and operated by Financial Services Sector Skills Council. Copyright 2007 (FSSC).

By using this site, you signify your agreement to all terms, conditions and notices contained or referenced herein. If you do not agree with these Terms of Usage, please do not use this site. We reserve the right to, as determined in our discretion, to update or revise these Terms of Usage at anytime. Please check these Terms of Usage periodically for changes.

Financial Services Sector Skills Council's trade names, trademarks, logos and service marks belong to Financial Services Sector Skills Council. All other trade names, trademarks, logos or service marks mentioned herein belong to their respective owners.

Financial Services Sector Skills Council hereby authorises you to view, print, copy and distribute information published by Financial Services Sector Skills Council on this or any other publicly accessed site maintained by Financial Services Sector Skills Council's Web server linked to this Legal Notice and Terms of Use Policy (collectively, the "Sites"), provided that: (i) the information may be used internally (by you or any third party to whom you distribute it) only for informational purposes; (ii) no fee may be charged for distribution of any information to any third party; and (iii) any and all copyright or other proprietary notices that appear on the Sites or any Financial Services Sector Skills Council Web page, together with this Legal Notice, must appear on all copies that you make or distribute.

Any information, our Perspective, methodologies, studies, video files, audio files, software code, photographs, graphics, processes, technologies or other materials (the "Materials") published on the Sites may be the subject of intellectual property rights reserved by Financial Services Sector Skills Council, its subsidiaries or licensors. Your terms of use do not grant to you a license hereunder to otherwise use, copy, distribute or transfer the Materials.

If no additional terms are provided on such Sites or on any Financial Services Sector Skills Council Web page, the use of any such Materials is governed by this provision.

All Materials provided via the Sites are intended for informational purposes only and are subject to change or withdrawal by Financial Services Sector Skills Council at any time without notice. Financial Services Sector Skills Council assumes no responsibility for the accuracy or completeness of the Materials.

THE MATERIALS ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, INCLUDING (WITHOUT LIMITATION) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. IN NO EVENT WILL Financial Services Sector Skills Council BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THE SITES, THE MATERIALS OR ON ANY OTHER HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, EVEN IF Financial Services Sector Skills Council IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Unless expressly provided otherwise by Financial Services Sector Skills Council, all comments, feedback, information or materials submitted to Financial Services Sector Skills Council through or in association with the Sites shall be considered non-confidential and Financial Services Sector Skills Council's property. By submitting such comments, feedback, information or materials to Financial Services Sector Skills Council, you agree, at no cost or fee, to assign to Financial Services Sector Skills Council of all worldwide rights, title and interest in copyrights and other intellectual property rights to the comments, feedback, information or materials.

The Sites may contain hyperlinks to other Web sites controlled by parties other than Financial Services Sector Skills Council. Financial Services Sector Skills Council is not responsible for and does not endorse the contents or use of these Web sites. The inclusion of such link does not imply the endorsement or support of such Web sites by Financial Services Sector Skills Council.

If you have any questions concerning legal or other matters described above, contact Financial Services Sector Skills Council.