1. REGISTRATION: The details provided by you on the registration form are important. You must ensure they are correct and complete and inform us of any changes.

2. PAYMENT: schemenet.co.uk will notify you in all cases if the service you are trying to access is not free and give you the opportunity to choose to pay for the service. You agree to pay any fee for any of the premium services that you use which are not free of charge. Where you have chosen to make payment by standing order, the fees are payable in advance by way of monthly subscription. Where you have chosen to make payment by cheque, the fee's are payable annually in advance. Schemenet.co.uk may send you an email or write to you one month before the expiry date where payment is by cheque, the expiry of your current annual subscription. If we do not hear from you within 10 days of sending our e-mail or letter, we reserve the right to downgrade your subscription to that of our free business listing only. Your subscription service will be restored once we have received your cheque, or standing order as applicable. Schemenet.co.uk will take all reasonable care to ensure that your payment data is properly transmitted and kept secure. You agree that we may receive remuneration from our connected companies or other third parties in respect of transactions carried out by them on your behalf. Details of any such remuneration will not be set out on the relevant contract note or confirmation note provided by such third party, but can be made available by them to you on request.

3. COPYRIGHT AND YOUR RIGHTS: Copyright and all other intellectual property rights subsisting in the database accessible via the services and each and every piece of information provided through the services (the "information") is owned by schemenet.co.uk or the providers of such information ("data providers"). Reproduction of part or all of the contents in any form is prohibited other than in accordance with the following permissions:

Licence to copy for personal use:

You may print or download to a local hard disk extracts from the Information for your personal use only.

Licence to recopy for limited purposes:

You may recopy to third parties for their personal information only certain Information as may be specified from time to time by schemenet.co.uk as being available for that purpose, but only if
1. You clearly and prominently acknowledge the schemenet.co.uk web site as the source of the material; and
2. You inform third party that these conditions apply to him, her or it and that he/she/it must comply with them. This licence to recopy does not permit alteration, adaption or merging of material available on these pages. No part of the schemenet.co.uk web pages may be distributed or copied for any commercial purpose.

No part of the schemenet.co.uk web site may be reproduced on or transmitted to or stored by any other web site or other form of electronic retrieval system by any person or entity that operates any such web site or electronic retrieval system.

4. EMAIL ADDRESS AND PASSWORD: You are responsible for all use of the services made using your email address and password, whether or not the use is made by you or someone else using your email address and password. You are responsible for protecting and securing your email address and password from unauthorised use. If you believe there has been a breach of security of your email address you should notify schemenet.co.uk. Schemenet.co.uk, at its absolute discretion, reserves the right to refuse a user permission to use any particular email address and/or password. It is not permitted to impersonate or to attempt to impersonate another user or to make use of or attempt to make use of another user's email address or password and any such actions may result in legal action, including criminal prosecution.

5. YOUR INFORMATION: schemenet.co.uk will respect your personal information and will comply with all applicable UK legislation currently in force. Schemenet.co.uk will itself collect and use information you supply to schemenet.co.uk in order to operate and enhance the services in accordance with our privacy policy.

6. AVAILABILITY OF INFORMATION: schemenet.co.uk reserves the right to change the content, presentation, performance, user facilities and availability of any part of the services at its sole discretion. It is your responsibility to refer to the changes. They may, at schemenet.co.uk's absolute discretion come into effect immediately on posting. Schemenet.co.uk does not warrant any connection, transmission over, security of or results from the use of any network connection or facilities provided (or omitted to be provided) in connection with the services.

7. NON-UK ACCESS: The services are not being offered outside of the UK. Neither schemenet.co.uk nor any of its data providers or affiliates make any warranties express or implied that the services or the availability of the services in any particular jurisdiction outside the UK is in compliance with any applicable laws or regulations. Accordingly, if it is prohibited to make the services or any part available in your jurisdiction or to you (by reason of nationality, residence or otherwise) such services or any part are not directed at you. You accept that if you are resident outside the UK, you must satisfy yourself that you are lawfully able to receive the services.

8. ACCURACY OF INFORMATION: Neither schemenet.co.uk nor any of its data providers or affiliates make any warranties expressed or implied, as to the accuracy, adequacy, quality or fitness for any particular purpose of the information or the services for a particular purpose or use and all such warranties are expressly excluded to the fullest extent that such warranties may be excluded by law. Schemenet.co.uk, its employees, data providers and affiliates may or may not hold investments in the companies referred to in the information and services. You bear all risks from any uses or results of using any information. You are responsible for validating the integrity of any information received over the internet.

9. INFORMATION POSTED BY YOU: You may place information on the service or make it available to other users where and as permitted by schemenet.co.uk from time to time. Schemenet.co.uk does not monitor, approve, endorse or exert editorial control over information posted by users and does not therefore accept responsibility for or make any warranties in connection with or recommend that you or any third party rely on such information. You agree to not post (or transmit) (i) any information which is objectionable including, without limit, information which is defamatory, obscene, threatening, untrue or in breach of any applicable laws, rules, regulations or market conventions (including, without limit, financial services regulations), (ii) any information which is in breach of any person's rights (including without limit, copyright and confidentiality), (iii) any information or software which contains a virus, cancelbot, trojan horse, worm or is otherwise harmful or (iv) any information which (in schemenet.co.uk's opinion) constitutes advertising or (v) any information outside the area designated for posting. Schemenet.co.uk reserves the right to remove any such information from the services without warning and to inform and give assistance to the relevant bodies in respect of any transgressions. We accept no responsibility for and give no warranties in connection with any information posted on our site by our users. We recommend that you do not rely on such information. Any information posted on our web site by users has not been issued or approved for the purposes of section 57 of the Financial Services Act 1986. By placing on the services or making available to other users any information you hereby grant schemenet.co.uk a worldwide non-exclusive licence to use copy, distribute, publish and transmit such information in any manner schemenet.co.uk wishes (including, without limit, archiving and making available such information as part of the services).

10. INDEMNITY: You irrevocably indemnify schemenet.co.uk and its data providers and affiliates from and against any and all losses, damages and costs suffered or incurred by schemenet.co.uk, any data providers or affiliates of whatsoever nature arising out of or in connection with your use, provision or distribution of information or any part or the services or any part or otherwise howsoever arising in relation to any breach of this agreement by you.

11. HYPERTEXT LINKS: schemenet.co.uk provides hypertext links to sites on the internet which are operated by other people and companies. Using an external hypertext link means that you may be leaving schemenet.co.uk's site and schemenet.co.uk therefore takes no responsibility for and gives no warranties, guarantees or representations in respect of linked sites.

12. LIABILITY: Due to the number of sources from which schemenet.co.uk obtains content and the nature of electronic distribution via the world wide web neither schemenet.co.uk nor any of its data providers nor affiliates have any liability (whether in contract or tort) for any losses, costs or damages resulting from or related to use of or inability to use any information contained in the services or the provision of the services to the fullest extent to which such liability may be excluded or avoided by law and in no event shall schemenet.co.uk be liable to you for lost profits or for indirect, incidental, special, punitive or consequential damages arising out of or in relation to the services or the provision of information. Schemenet.co.uk makes no warranty that the service is year 2000 compliant or free from infection by viruses or anything else that has contaminating or destructive properties.

13. TERMINATION: This agreement will continue unless terminated in accordance with the following provisions. You may terminate this agreement at any time without notice either by the Subscription page or by letter (see address below for contact details) and schemenet.co.uk may do the same, If you (i) fail to make any payments due to schemenet.co.uk, (ii) are in breach of any of the terms of this agreement (except for a trivial breach remedied within 7 days of its occurrence), or any generally accepted guidelines on internet usage and etiquette (such as restrictions on mass mailings and mass advertisements, pirating or copying software, mail bombing or attempts to violate security), (iii) you do or fail to do any act which jeopardises the continuance of the services, (iv) if bankruptcy or insolvency proceedings are brought against you, (v) if you do not make any payments under a court judgment or fine, (vi) if you make an arrangement with your creditors or a receiver or administrator is appointed over your assets or (vii) if you go into liquidation, then schemenet.co.uk may withdraw the services from you, immediately and without notice or compensation and such termination shall be considered "with cause". Schemenet.co.uk will then be under no further obligation to you. Termination of annual subscriptions require not less than 30 days written notice before the next annual renewal date. Refunds of annual subscriptions to schemenet.co.uk are at schemenet.co.uk’s sole discretion. Send notice of termination or downgrade including your full registered home and email addresses, service level to be downgraded to, contact telephone number and explanation of your intentions to: SCHEMENET.CO.UK, 44 Carr Road, Nelson, BB9 7SP. SCHEMENET.CO.UK CANNOT ACCEPT NOTICE FOR CANCELATION OR DOWNGRADE VIA EMAIL OR TELEPHONE.

14. CONFLICTS OF INTEREST: Your attention is drawn to the fact that in respect of the services, we, a connected company or some other person connected with us may have an interest, relationship or arrangement that is material in relation to any information supplied or could give rise to a conflict of interest and you agree that we shall not be required to disclose it to you. Our employees are required to comply with a policy of independence and disregard any such interest, relationship or arrangement in the course of carrying out their employment.

15. ASSIGNMENT: This agreement and any rights of access (password and email address) to any service provided to you may not be assigned, licensed or otherwise transferred by you to any other person without the prior written consent of schemenet.co.uk. You agree to keep your password confidential.

16. COMPLETE AGREEMENT: These terms and conditions together with the duly completed registration form and payment method instructions, if any, are the whole agreement between you and schemenet.co.uk. You acknowledge that you have not entered into this agreement in reliance upon any warranty or representation made by schemenet.co.uk. Schemenet.co.uk may from time to time make changes to these terms and conditions and payment rates which will be set out on schemenet.co.uk 's internet site not less than 14 days before they are intended to take effect. Unless you inform schemenet.co.uk by post or e-mail that you object to the proposed changes and wish to terminate your subscription within this 14 day period, you will be deemed to accept the proposed changes.

17. GENERAL: Any notice from schemenet.co.uk to you may be delivered by e-mail or post to you at your last known address. Evidence of posting (either electronically or otherwise) shall be taken as evidence of delivery. This agreement shall be governed by English Law. All disputes arising from or in connection with this agreement shall be subject to the non-exclusive jurisdiction of the English Courts. If any term of this agreement is held to be illegal or unenforceable the validity and enforceability of the remainder shall continue in full force and effect. The provision in question shall be replaced by a valid and enforceable term which corresponds, so far as possible, with the original. Failure by either party to exercise any right or remedy under this agreement does not constitute a waiver of that right or remedy. All disclaimers, indemnities and exclusions in this agreement shall survive termination of this agreement. Neither you nor schemenet.co.uk shall be held liable for any loss or failure to perform any obligation hereunder due to causes beyond your or their respective reasonable control. This agreement replaces all terms and conditions previously applicable to the provision of the services or any of them.