By visiting our website you accept the terms and conditions listed below in return for information about our company, services and any other information and opinion supplied. Please read these conditions: they may affect your legal rights and liabilities. If you do not accept the terms, you must not use this website. This does not affect your statutory rights.


You must be over eighteen (18) years of age at the time of registration to use our website, to register your details, fill in our enquiry forms or use our services. It is your responsibility to ensure that the details provided by you at any time are correct and complete and you must inform us in writing as soon as possible of any changes, failing which you have sole responsibility for any resulting losses or issues for you.

Copyright and Intellectual Property

The entire contents of this website are protected by copyright, trade marks and other intellectual property rights, all of which belong and remain with the XP Team or its licensor. You have no right to use our trade mark, name or logo unless granted to you under a separate written license or agreement with us.

You are permitted to view and print a copy of any content on this website for your own personal use, provided that you keep our copyright notices in place and do not alter or disguise any content. You are not otherwise allowed at any time to copy, change, distribute, reproduce or use any of the contents of this website for any purpose (including for any business or commercial use) unless this is granted to you under a separate written license or agreement with the XP Team. You are not permitted to use the source code or imagery of this website nor to use or incorporate all or any part of this website (including content excerpts) on or within any other website, in each case without written license.

This site contains links to websites operated by third parties for your convenience only. We have no control over their individual content and therefore make no warranties or representations as to the accuracy or completeness of any of the information appearing in relation to any linked websites. We do not recommend any products or services advertised on those websites unless specifically stated. If you decide to access any third party website linked from this site, you do so at your own risk.

You must not use or attempt to use any automated program (including, without limitation, any spider or other web crawler) to access our system or this site, or to search, display or obtain links to any part of this site, other than the home page, unless the automated program identifies itself uniquely in the User Agent field and is fully compliant with the Robots Exclusion Protocol (a “Permitted Program”). Any such use or attempted use of an automated program (other than a Permitted Program) shall be a misuse of our system and this site. Obtaining access to any part of our system or this site by means of any such automated programs (other than a Permitted Program) is strictly forbidden.

You accept that you are solely responsible for ensuring that your computer system meets the relevant technical specification necessary to use this site and that your computer system is compatible with this site.

You must not misuse this site or our system. In particular, you must not hack into, circumvent security or otherwise disrupt the operation of our system and this site, or attempt to carry out any of the foregoing. You must not upload or use inappropriate or offensive language or content or solicit any commercial services in any communication, form or email you send or submit, from or to the site.

We reserve the right to bar users from this site and/or restrict or block their access or use of any and all elements of our services, on a permanent or temporary basis, at our sole discretion. Any such user shall be notified and must not then attempt to use this site under any other name or through any other user.

Scope and Liability of Our Website and Its Use

This website is designed and intended for use in the USA only. We do not guarantee that it is appropriate or available anywhere else. If you do access this website from anywhere else, you do so at your own risk and liability. Our offer of services is unlikely to extend to any premises outside the USA unless we specifically agree otherwise. You are not permitted to use or access this website from anywhere where its contents may be illegal or unlawful.

Reasonable effort is made to ensure we provide accurate and current information on our web pages and that it is free from viruses. However, you accept that this website is for guidance only and does not in any way form part of a contract. You also accept that use of the Internet has inherent risks in relation to viruses, spyware, malware, keyloggers and similar issues.

Nothing on this website should be regarded as investment, financial, economic or professional advice. You are responsible for your own decisions and actions.

We are not liable for any claims, damages, expenses, liabilities or losses whether direct or indirect (including any incidental or consequential losses or expenditure incurred, loss of profit, financial or economic loss, loss of contracts, loss of anticipated savings or loss of capital gain) arising from use of this website and all liability is excluded to the fullest extent permitted by applicable law (but for the avoidance of doubt we do not exclude or limit liability for personal injury or death caused by our negligence nor for fraudulent misrepresentation). In particular we are not liable for any losses that are not a reasonably foreseeable consequence of our actions.

We do not accept responsibility or liability (unless required by applicable law) for unavailability, unreliability or incompatibility of this website nor for any inadequacy of this website to provide you with all information required, nor for any inaccuracies contained in this website or technical errors. Please let us know if you discover any issues with the functionality of this website or any inaccuracies in its content so that we can try to correct them.

The exclusions and limitations of liability set out in these terms exclude and limit all of our liability to you for all matters arising in connection with this website or related claims whether in contract, tort (including negligence), for breach of statutory duty or otherwise to the fullest extent permitted by law.

We may change any or all of the contents of this website at any time without notice (including any changes at any time to these terms). If you do not accept any changes, please discontinue your use of this website.

Links To or Content From Other Websites and Adverts

Further to all above-mentioned limitations, we do not accept any responsibility for content included in or referred to on this website that is provided by anyone else, including any other websites, and the originator of the content should be held responsible for that content where marked. If we provide links to other websites, or other websites link to our website, this does not imply any association or endorsement by us of the linked website nor any responsibility or liability for that linked website. If any part of this website contains advertising or sponsorship, the advertiser or sponsor is solely responsible for the advert or material included on our website.

Miscellaneous Terms

These terms apply to the exclusion of any other terms or agreement subject to which use of this website is made or purported to be made by you. No variation to these terms as a result of correspondence or communication with you (through any medium) is binding unless agreed in writing between authorised representatives of you and us.

If we excuse or do not take action as a result of any breach by you of these terms, this does not affect our rights or remedies. We may take action against you or use our rights at any time in relation to that or any further breach.

We are not liable for any breach or delay or failure to meet our obligations due to any circumstances, cause or situation (or one which we reasonably believe is imminent) outside our reasonable control (including, as examples only, flood, war, fire, riots, zombie apocalypse, action or inaction of third parties).

We may subcontract, assign or transfer this website, these terms and any or all of our obligations, liabilities or rights to a competent third party or associated company in whole or in part. You may not assign or transfer any of your rights or obligations without our written consent.

These terms set out the entire agreement in relation to this website and replace any prior agreements or understandings or representations (unless fraudulent). All warranties, conditions and other terms implied by statute or common law are excluded to the fullest extent permitted by law.

If any provision of this agreement is illegal, invalid or unenforceable, the validity or enforceability of any other provision of this agreement shall not be affected.

If you have any questions about any of these terms please contact us.