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Terms and Conditions

This web site ("Site") is owned and operated by Millen Compliance Consultants Ltd, 4 Stuart Way, East Grinstead, West Sussex RH19 4RS, United Kingdom, Reg. Co. No. 07032486, Registered Office. Dartel House, 39-41 High Street, Horley RH6 9TF, United Kingdom, VAT No. (TBA). By accessing or using the Site, you agree to be bound by the terms and conditions below ("Terms and Conditions"). These Terms and Conditions expressly incorporate by reference and include the Site's Privacy Policy and any guidelines, rules or disclaimers that may be posted and updated on specific web pages or on notices that are sent to you. If you do not agree with these Terms and Conditions, please do not use this Site. Millen Compliance Consultants Ltd reserves the right to change, modify, add or remove portions of these Terms and Conditions in its sole discretion at any time and without prior notice. Please check this page periodically for any modifications. Your continued use of this Site following the posting of any changes will mean that you have accepted the changes. 

Forums Terms and Conditions

Disclaimer

The forum is populated by fellow IFAs, and if you act upon any advice you are given in the forum threads you do so entirely at your own risk. The opinions expressed by registered forum users and the Compliance Expert are not necessarily those of Millen Compliance Consultants Ltd, and the company will not be liable for the consequences of following advice given in this forum by other registered users. You are advised to back up critical data files before making any changes to software or hardware configurations, and to consider seeking professional advice before taking legal action in respect of recommendations made by forum users.
Terminology

Plain English is the order of the day, but there are some words that you will see being used regularly. 
•Thread - the word used to describe a forum topic. A thread may be started by any forum member to explain a problem and ask for help. 
•Post - a message that is 'posted' to a thread by anyone who wishes to contribute. When you click on a thread title it will open to reveal all the messages that have been posted by other forum members. To add your own comments, use the box that you'll see at the end of each thread.
•Refresh - if your thread isn't receiving any attention it will gradually slip down page 1 and onto page 2 or 3 - it depends on the number of threads being posted at any one time. You can bring your subject back to the top of the list by posting the word 'refresh' in it. Please don't do this more than once - it can irritate other users, and if you get no response the second time around it's possible that nobody in the forum can help on this occasion. 
•Moderator - someone who watches the forum for inappropriate thread content. We monitor forum activity, and the forum editor will sometimes remove threads or posts if he believes them to be inappropriate in nature. If you are unhappy about a particular post or thread, or if you want to contact us privately you can do so at any time by clicking on the words 'Report An Abuse' which you will see on every thread. Type your message and click the 'Send' button; we'll contact you as soon as possible. Please don't use this facility to ask for help with computing problems - we can't provide this on a one-to-one basis by email. 

Best practice

•We have evolved a system of day to day conduct which we believe helps the forum to function smoothly, and we look to our members to abide by the system whenever possible. We are a community, and we expect our members to respect our code of conduct. 
•Email addresses, names or contact details - please remember that if you supply contact details on a thread or a message in a thread this will be seen by all other authorised users.
•Forum email links - when you post a message in a thread a small envelope icon will appear alongside your username. This enables anyone to send you a personal message by email, but it does NOT disclose your email address to them. This can only happen if you reply to their message - so don't do that if you want to remain anonymous. Please don't use the email contact facility indiscriminately - by and large it's best to do it only when invited to do so by another forum user.
•Offensive comment - forum discussions can sometimes become heated. They often take place more or less in real time, and it can be tempting to respond offensively in the heat of the moment. Personal abuse directed at another forum member is totally unacceptable, and such posts will be removed without warning. Repeated incidents may result in a forum member's registration being invalidated permanently.
•Thread titles - Please try to give your thread a meaningful title - one which will indicate its subject matter to other forum users. A thread entitled "Aaaaaargghhhh!!!!!!!!!!!?" will irritate other users, and will be less likely to attract the right help. Good thread titles indicate the problem's nature "Anyone know about ASP?" tells everyone what to expect.
•Search the archive – it is possible that your question or query has been posted before, so we maintain a forum archive of previously posted threads. You can search the archive by using the facility at the top of each forum section, and we hope that you'll do so before posting - it could save you a lot of time.

Forbidden territory

Some behaviour is unacceptable in the forum, and we will insist on the following rules being observed at all times. 
•Bad language - it isn't necessary to use bad language to make a point. Although modern usage has seen many previously unacceptable terms become a part of everyday conversation, there are certain words which are universally acknowledged as being inappropriate in normal conversation. We will exercise our right to remove any posts that (in our opinion) contain such language, and the forum editor's decision will be final.
•'Adult' content - references or links of an adult nature will not be tolerated - posts or threads that contain links to 'adult' sites, text, or images will be deleted without warning.
•Racist or sexist comment - we will not tolerate racist or sexist comments in any form.
•Libellous or defamatory comment - please do not exhort others to boycott a company that provided you with bad service or products. Do not make statements that you cannot substantiate, or state as fact, something which is in reality your opinion. "XYZ Provider rips off clients" may well be your opinion, but an action for libel by the company would almost certainly succeed, and Millen Compliance Consultants Ltd may be jointly liable as the publishers of your comment. We aren't prepared to take such risks, and will delete any comment that is, in our opinion, potentially libellous or defamatory. The editor's decision is final in such cases.

Our editorial policy

If at any time you are uncertain about how to get help, or if there is anything about forum conduct that you find confusing, please don't hesitate to let us know. Click the 'Contact Forum Editor' link, and send us an email. We'll do our best to respond quickly. We want to hear from you if you have an idea for an improvement, or some extra content. We can't promise to translate your ideas into action, but we'll look into every proposal or suggestion. Site Terms and Conditions 

Copyrights and Limitations on Use

All content in this Site, including site layout, design, images, programs, text and other information (collectively, the "Content") is the property of Millen Compliance Consultants Ltd. You may not copy, display, distribute, modify, publish, reproduce, store, transmit, create derivative works from, or sell or license all or any part of the Content, products or services obtained from this Site in any medium to anyone, except as otherwise expressly permitted by Millen Compliance Consultants Ltd. You may print or download Content from the Download Library for your own use within your firm, provided that you do not disclose to firms or individuals that are not clients of Millen Compliance Consultants Ltd. You may not use the services on the Site to publish or distribute any information (including software or other content) which is illegal, which violates or infringes upon the rights of any other person, which is abusive, hateful, obscene, profane, pornographic, threatening or vulgar, which contains errors, viruses or other harmful components, or which is otherwise actionable at law. Links to Other Sites 

The Site may contain hyperlinks to other sites or resources that are provided solely for your convenience. Millen Compliance Consultants Ltd is not responsible for the availability of external sites or resources linked to the Site, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. Transactions that occur between you and any third party are strictly between you and the third party and are not the responsibility of Millen Compliance Consultants Ltd. Because Millen Compliance Consultants Ltd is not responsible for the availability or accuracy of these outside resources or their contents, you should review the terms and conditions and privacy policies of these linked sites, as their policies may differ from ours. Disclaimer of Warranties and Liability 

Millen Compliance Consultants Ltd makes no guarantee whatsoever, including without limitation, that the operation of the Site will be uninterrupted or error-free; that defects will be corrected; that this Site, including the server that makes it available, is free of viruses or other harmful components; as to the results that may be obtained from use of the Content or other materials on the Site; or as to the accuracy, completeness, reliability, availability, suitability, quality, non-infringement or operation of any Content, product or service provided on or accessible from the Site. MILLEN COMPLIANCE CONSULTANTS LTD SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING INFORMATION THROUGH THE SITE. IN NO EVENT WILL MILLEN COMPLIANCE CONSULTANTS LTD BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH INFORMATION. Indemnification 

You hereby agree to indemnify, defend and hold Millen Compliance Consultants LTD, its directors harmless from and against any and all liability, losses, damages and costs, including, without limitation, reasonable legal fees, arising from your use of the Site or Content. Governing Law and Venue 

These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflicts of law principles. You hereby submit to and agree that the sole jurisdiction and venue for any actions that may arise under or in relation to the subject matter hereof shall be the courts located in England.