Disclaimer and terms of use

This website is provided by Bath Actuarial Consulting Limited (“BAC”) in good faith on an “as is” basis. Your use of the site constitutes your acceptance of the terms and conditions set out below.

The site is provided free of charge and for information only. Unless otherwise stated, the content on this site is for the personal, non-commercial use of individuals only. It may not be copied, reproduced, distributed, edited or in any other way modified without prior written consent from BAC.

You should not use network monitoring or discovery software to establish the site architecture, or to obtain information about users or usage. You should not use a robot, spider, device (automatic or manual) or any other process to monitor the site or to copy the site or its content without BAC’s prior written permission.

Use of this site does not constitute any kind of contractual relationship with BAC.

The site and its content do not constitute professional advice. Your use of the site and its content is entirely at your own risk.

BAC makes every effort to make sure the site provides up-to-date and accurate information. However, to the extent permitted by applicable law, BAC gives no representations, warranties or conditions concerning the site, its content or other sites linked to it. BAC does not represent or warrant that the site will be free from errors. BAC does not warrant that the site will be free from viruses not that access to the site will be uninterrupted. BAC does not accept liability for any error or omission in the information or services provided on, downloaded from, or accessed via this site, nor for losses or damages arising in any way from an individual’s use of the site, except as required under applicable law. BAC may make changes to the content on this site at any time.

Sometimes links to third party sites will be provided from this site. BAC does not accept any responsibility or liability, nor offer any warranties or representations relating to the content or practices of these third parties, nor for their privacy and security procedures which may differ from BAC’s. Links to third party sites do not necessarily constitute an endorsement of that site.

BAC reserves all intellectual property rights for the content on this site, unless otherwise stated. The content is protected by copyright laws. You may print off or download one copy of the publications produced by BAC for your personal reference and you may draw the attention of others within your organisation to material posted on the site.

BAC is not authorised or regulated by the Financial Services Authority (FSA), nor licensed by the Institute and Faculty of Actuaries, to provide investment advice under the Financial Services and Markets Act 2000.

Each provision of the above terms of use is independent of the others so that, if one of them is found to be unlawful or to conflict with any others, then the remaining provisions are still applicable.