Terms and Conditions
This agreement governs the use of http://www.stjc.co.uk/ and related services. It may be updated from time to time so please ensure that you read the terms and conditions carefully before proceeding with use of the site and its services.

Information about us
www.stjc.co.uk (the "Site") is owned and operated by St. James's Group Ltd and its associated companies ("We", "Us" and "Our"). Our registered address is 35 Thurloe Street, South Kensington, London, SW7 2LQ. Our email contact address is enquiries@stjc.co.uk.

UK
Unless otherwise specified, the content on this Site is directed mainly at those who access the Site from the United Kingdom. We make no representation that any product or service offered on the Site is appropriate for use, or available, in other locations.

Intellectual Property
All intellectual property rights (including without limitation all copyright, patents, database rights, registered and unregistered design rights, registered and unregistered trade marks and other similar rights in any jurisdiction together with the right to apply for the same) concerning this web site's design, text, graphics and other materials are owned by St. James's Group Ltd, its associated companies or our licensors.
Some documents may contain other proprietary notices and copyright information relating to that document or organisation. You agree that no permission is given by St. James's Group Ltd for their use by any person other than such owners and such use may constitute an infringement of the owner's rights.
Copying is prohibited except in accordance with the following limited permissions:
• you may print out a copy of this page for personal use
• you may save a copy of this page to your local hard disk for the purpose of creating one personal backup copy.
All other copying and distribution of any of the contents of the Site is strictly forbidden.

Access to http://www.stjc.co.uk/
Access to the Site is on a temporary basis and we reserve the right to withdraw or amend the Site or any part of it at any time.
We do not warrant that the function, operation, security or accessibility of the Site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available will be free of viruses or other harmful elements. As a user of the Site, you agree that your access will be subject to these terms and conditions and that access is undertaken at your own risk. We shall not be liable for damages of any kind related to your use of or inability to access the Site.
Where you are provided with or are allowed to choose a user ID, password or any other piece of information as part of our security procedures you must treat such information confidential and you must not disclose it to any third party.

Accuracy of information on the Site
We endeavour to present the most recent, most accurate, and most reliable information on www.stjc.co.uk at all times. However, We make no claims to its accuracy, either expressed or implied. There may be occasions when some of the information featured on the Site may contain incomplete data, typographical errors, or inaccuracies. Any errors are wholly unintentional and we apologise for any inconvenience, which this might cause. We reserve the right to amend errors, make changes to the Site, or to update product information at any time without prior notice and without they’re being any liability on our part. To the fullest extent permitted by law, St. James's Group Ltd disclaims all warranties, expressed or implied.

Information about you and your visits to the Site
We process information about you in accordance with our Privacy Policy. You consent to such processing and you warrant that all information provided by you is accurate.

Links contained in http://www.stjc.co.uk/
The Site may from time to time contain links to various sites and other resources provided by third parties. These links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may be suffered by you in connection with your use of them.

Advertising
You may wish to enter into correspondence with or participate in promotions of the advertisers marketing their products on the Site. Any such correspondence or promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between you and the advertiser. Unless stated otherwise St. James's Group Ltd assumes no liability, obligation or responsibility for any part of any such correspondence or promotion.

Links to http://www.stjc.co.uk/
Permission is given to link to the Site's home page, provided you comply with any conditions We may require in respect of the link from your website. We reserve the right to withdraw linking permission at any time without prior notice.
In any event linking to the Site must be done in a way that is fair and legal and which does not damage our reputation or take advantage of it. In particular, you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. The Site must not be framed on any other site, nor should you establish a link to any part of the Site other than the home page.
You understand and agree that any content (including but not limited to graphics and code for link buttons) downloaded or otherwise obtained through the use of the Site is done at your own discretion and risk and that you will be solely responsible for any damages to your computer system for loss of data that results in the download of such content.

Competitions
See individual competition details for applicable rules.

Indemnity
You agree to indemnify and hold St. James's Group Ltd and any of Our officers, employees and agents harmless from all costs, claims, liabilities, expenses, damages or losses (including legal expenses) arising out of or in connection with your negligent or unreasonable use of the Site and its services.

Limitation of liability
St. James's Group Ltd shall have no liability for any defect in the Site and its related services caused or contributed to by you and/or any other site user.
Except in the case of death or personal injury caused by St. James's Group Ltd negligence or in other circumstances where liability may not be so limited under applicable law, Our liability under or in connection with this agreement, whether arising in contract, tort, negligence, breach of statutory duty or otherwise, shall not exceed the sum of twice the amount paid by you.

Complaints
Initial complaints should be made by email to St. James's Group Ltd at the above email. We will endeavour to acknowledge complaints within 5 working days and will provide information on the likely timescale for resolving the complaint. We will endeavour to take appropriate action to resolve complaints as soon as possible.

Notices
Any notice shall be in writing and shall be hand-delivered or sent by first-class post or by email (confirmed by first-class post) to the address of the relevant party. The email and postal addresses of St. James's Consultancy are given above.
Notices sent as above shall be deemed to have been received at the time the same is left at the address of or handed to a representative of the party, or 3 working days after the day of posting, or on the next working day after transmission in the case of email but only if an 'Email Sent Confirmation' report is generated by the sender's machine recording a message from the sender's machine confirming that the email was sent to the address of the relevant party and confirming that the message was successfully transmitted and/or acknowledged.

Force Majeure
Both parties shall be released from their respective obligations in the event of national emergency, war or prohibitive governmental regulations, civil commotion, epidemic, fire, flood, industrial action, failure of payment systems, default of suppliers or subcontractors or damage to any computer or telecommunications systems or if any other cause beyond the control of the parties shall render performance of this agreement impossible.

Headings
The headings in this document are inserted for convenience only and shall not affect the construction or interpretation of the Terms and Conditions.

Priority of terms
Additional services including but not limited to social events and competitions may be subject to separate terms and conditions. If there is any conflict in meaning between any provision of the Terms and Conditions and a provision relating to such additional service, the additional provision shall prevail.

Waiver
Any waiver by St. James's Group Ltd of any breach of any of your obligations under this agreement or otherwise shall not be a waiver of any continuing breach or of any other breach of any of those obligations.

Third parties
All third party rights are excluded and no third parties shall have any right to enforce this agreement.

Survival of terms
No term shall survive expiry or termination of this agreement unless expressly provided.

Assignment
We may assign, delegate, sub-contract, mortgage, charge or otherwise transfer any or all of Our rights and obligations under these Terms and Conditions at any time. You may not assign, delegate, sub-contract, mortgage, charge or otherwise transfer your rights and obligations under these Terms and Conditions without Our prior written permission.

Law and Jurisdiction
These terms and conditions are governed by English law and you submit to the exclusive jurisdiction of the English courts. If any provision shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.