Terms and Conditions

April 2006

IT IS IMPORTANT THAT YOU READ THIS PAGE AS IT CONTAINS IMPORTANT INFORMATION.

BY ACCESSING AND USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS OF USE SET OUT BELOW.

Definitions:

“We”, “us”, “our” refer to Orbit Benefits Limited and Interactive Benefits Limited as defined in 1 below.
“You” and “your” means any user of our website.
“Our website” means this website.

1. This website is published by Orbit Benefits Limited (OBL) and Interactive Benefits Limited (IBL) of Second Floor, Matrix House, 9 Aldgate High Street, London EC3N 1AH.
   
   OBL and IBL are companies which are members of the SBJ group. OBL is authorised and regulated by the Financial Services Authority (FSA). In this document Orbit is taken to refer to one or more of OBL and IBL as required by the context.
2. Orbit provides this site on an "information only" and "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents. Orbit makes no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site. All warranties or terms implied by law are excluded to the fullest extent permitted by law.
   
   The information in this site does not constitute advice, investment advice or a recommendation for any product. You should not rely on the accuracy or sufficiency of any calculations produced on this site. You should not make any investment decisions on the basis of your use of this site. You should take individual advice before making any investment decision.
   
   Access to and use of the website including downloading of software or information is at the user’s own risk and we do not warrant that the use of this website of any material downloaded from it will not cause damage to property, including but not limited to loss of data or computer virus infection. If you are in any doubt about downloading we recommend that you take specialist advice before proceeding.
3. The information on this web site is directed solely at those who access this site from the UK mainland.
4. Orbit will not be liable for and expressly excludes any loss or damages arising (whether in contract, tort or otherwise) out of or in connection with the use of this site or the information in it. This is a comprehensive limitation of liability that applies to all damage or loss of any kind save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of Orbit
5. Orbit reserves the right at any time to revise the information and other details given on this site without notice
   
   Certain links, including hypertext links, in this site will lead you to web sites or pages that are not under the control of Orbit. Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the site to which it links.
6. All design, text, graphics and the selection or arrangement thereof is the copyright of Orbit and or their respective owners. To the extent that Orbit is able, permission is granted to copy electronically and print in hard copy portions of this site for personal and private reference only. Any other use of materials on this site is prohibited.
   
   All trade marks, product names and company names or logos cited which appear on this site are the property of their respective owners and no permission is given by Orbit in respect of the use of the same, which use may constitute an infringement of the holder's rights.
7. These terms and conditions their interpretation and any disputes arising in relation to them shall be governed by the law of England and Wales and the parties submit to the exclusive jurisdiction of the courts of England and Wales all disputes arising out of or in relation to this website and these terms and conditions.