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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.

4. You may choose to provide CSRF with information about yourself in the course of using the website. By doing so, you expressly consent to CSRF using this data for the purposes of research and marketing. You also consent to CSRF transferring the data to affiliate companies of CSRF throughout the world for such purposes. Any information which you provide will only be used by CSRF and its affiliates and will not be sold or made available to third parties. We may also make use of the data for direct marketing purposes. It may also be used internally by CSRF to assess the function of our websites and the needs of our customers.

5. Any communication or material which you transmit to CSRF through the website or otherwise via the Internet will be treated as non confidential. 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. Our website uses cookies.  A cookie is a small file of letters and numbers that we will put on your computer.  These cookies allow us to distinguish you from other users of the website which helps us to provide you with a good experience when you browse our website and allows us to improve our site.  We also use 'analytical' cookies.  They allow us to recognise and count the number of visitors and to see how visitors move around our site when they're using it.  This helps us to improve the way our website works, for example by making sure users are finding what they need easily.

7. This disclaimer is governed by English law.