1. All material including images, text and audio on the website is the property of The Civil Service Retirement Fellowship ("CSRF") or its affiliate companies and is subject to copyright. All trade marks, names, logos and other intellectual property is also owned by CSRF or its affiliate companies. You may browse this site for personal entertainment and information, and reproduction for non-commercial personal use is permitted. Any modification, transmission, hiring, copying (other than for non-commercial personal use) reusing or otherwise using the content of the website for public or commercial purposes is prohibited.

2. Whilst CSRF has worked diligently to provide accurate and complete information, it will not be liable to any person for any loss or damage which may arise directly or indirectly from the use of the website (or any inability to use it) or any of the information contained on the website. The website and the information and material which it contains are subject to change without notice. All warranties, whether express or implied as to the accuracy or completeness of the information contained on the website or in respect of any materials or products referred to on the website are hereby excluded to the extent permitted by law.

3. Links on the website and other related CSRF websites may lead to other websites. The content, accuracy and function of such websites is outside the control of CSRF and CSRF accepts no responsibility for the content, accuracy or function of such websites nor does CSRF endorse the contents of such sites.

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5. Any communication or material which you transmit to CSRF through the website or otherwise via the Internet will be treated as nonconfidential. Any communications and other material which you send to CSRF are and shall remain the property of CSRF and maybe used by us for any purpose whatsoever, commercial or otherwise without compensation.

6. This disclaimer is governed by English law.