Terms & Conditions

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Credit & Debt Management Institute

No warranties

This website is provided “as is” without any representations or warranties, express or implied. Credit & Debt Management Institute makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to generality of the foregoing paragraph, Credit & Debt Management Institute does not warrant that:

• This website will be constantly available, or available at all; or
• The information on this website is complete, true, accurate or non-misleading.
• Nothing on this website constitutes, or is meant to constitute, advice of any kind. [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.

Limitations of liability

Credit & Debt Management Institute will not be liable to you (whether under the law of contract, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

• To the extent that the website is provided free-of-charge, for any direct loss;
• For any indirect, special or consequential loss; or
• For any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Credit & Debt Management Institute has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Credit & Debt Management Institute liability in respect of any:

• Death or personal injury caused by Credit & Debt Management Institute negligence;
• fraud or fraudulent misrepresentation on the part of Credit & Debt Management Institute; or
• matter which it would be      illegal or unlawful for Credit & Debt Management Institute to exclude      or limit, or to attempt or purport to exclude or limit, its liability.

Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other Parties

You accept that, as a limited liability entity, Credit & Debt Management Institute has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Credit & Debt Management Institute officers or employees in respect of any losses you suffer in connection with the website.

[Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Credit & Debt Management Institute officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Credit & Debt Management Institute.

Unenforceable Provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.