Terms and Conditions

1 Cardholder Terms and Conditions
EFFECTIVE 12TH MAY 2018

INTRODUCTION AND DEFINITIONS

To participate in the M Lab Rewards Programme you must adhere to the following terms and conditions, which you should read carefully. These terms and conditions apply to collecting, redeeming and/or gifting M Lab Points.

b. “We, us, our” means – M Lab Limited. Our main offices are at 121 Colman House, Livery Street, Birmingham, B3 1RS. M Lab is an abbreviation of ‘Intelligent Marketing & Branding Solutions Ltd (registered number 11341545).

  • Points – M Lab Points are the electronic loyalty points we provide.
  • Member – a business / organisation that has subscribed to a membership of the M Lab Business Club. A member may receive, purchase, transfer or gift points to another member or cardholder.
  • Cardholder – a person invited/registered to hold a M Lab Rewards Card.
  • Program – the M Lab Rewards Programme which allows members to award/earn M Lab Points to/from other members.
  • Supplier – another person or organisation who is responsible for arranging or providing services to M Lab or you.
  • Account – an account in your name, which contains points that you can use to gift or convert.

COLLECTING M Lab POINTS

a. To be eligible to collect / receive points, so we can register you on the programme, you must provide a verified address in the UK, the Isle of Man or the Channel Islands.

b. Either we or a M Lab Member may award you points in electronic form. We will hold them in an account on your behalf. If a member awards you points you may have to follow the member’s terms and conditions.

YOUR ACCOUNT

We will maintain an account that records your points balance and transactions. You can get details of your account by logging in to your member / cardholder area on the M Lab website or by emailing support@M-Lab.co.uk. If you have no points credited to your account for 24 consecutive months, and/or if your Rewards card expires and is not renewed, all points accrued to your account to date will automatically expire without further notice and without any benefit to you.

c. When a member instructs us to add points to your account, or when you convert points on a product or service we provide, we will adjust your account balance in line with this. If the information the member gives is not accurate, we may have to refer you to the member. We will correct any mistakes that we make on your account which shall be your sole remedy. We recommend that you keep records of your transactions so you can check that your account is accurate.

d. By becoming a member of the programme, you accept that you are bound by these terms and conditions. Any information supplied to us when using this website will be used in accordance with the M Lab Privacy Policy, details of which are on our website.

USING M Lab POINTS

When points are credited to your account you may redeem them by transferring a number of points to your M Lab prepaid Mastercard on a point-per-pound basis.

b. You may transfer your points to any other member/cardholder as long as you, the account holder, instruct us to make the transfer via the website.

c. If you die, the points may be transferred to an account in the name of one of your beneficiaries. We must be shown a copy of the will and death certificate and receive written instructions from your Personal Representative or Trustee.

d. If you try to transfer points in any other way, we may take action against you.

SECURITY

You, as the holder of points, are responsible for their security. We are the owner of all points and they remain our property at all times. To reduce the risk of someone else spending points in your account, treat your account details like a credit-card number.

b. We will setup your account in your name with your current address.

If you change address, you must notify us by email at info@M-Lab.co.uk. If you call us to change your address you may have to answer security questions before we can make any amendments.

c. You may appoint an individual to act on your behalf as long as you do so in writing and provide the individual’s name and other required details. We will store this information and you must tell us in writing if you want to remove or change any authorised people from your account details.

This will help us to reduce security risks as far as possible.

d. It is your responsibility to keep secure any information that might identify you and allow access to your account. We shall not be responsible or liable to you if a person wrongfully transfers or redeems or misappropriates points in your account as a result of you not taking appropriate care of your account details. If you lose or accidentally reveal your account and/or password details, or lose your M Lab card, you should contact us immediately. Please make sure that we always have your correct address to reduce security risks as far as possible.

REWARDS PROGRAMME PARTICIPATION

You can end your participation in the rewards programme at any time by contacting us. We may end your membership of the programme and cancel or suspend any points in your account if we reasonably consider that you have acted in a way that harms the programme or any member or may bring the programme or a member into disrepute. These actions may include but are not limited to:

  • illegal or fraudulent activities;
    collecting or using points dishonestly or in a way that breaks these terms and conditions;
  • hostile, abusive, aggressive or unacceptable behaviour towards our staff or the staff of members or M Lab partners.
  • knowingly providing us with false or misleading information.

GENERAL

We can change the programme and the products and services we provide, including the points rewards, at our discretion. Where possible we will try to give you reasonable notice but this could depend on the nature of the change and the notice that we may receive from our suppliers or partners. We are entitled to make changes without prior consultation or notice to you.

b. English law applies to these terms and conditions.  Any dispute hereunder or in connection herewith shall be referred to Arbitration in London pursuant to the Arbitration Act 1996.

c. You cannot exchange points outside the program for cash or anything else. If you do so, we may confiscate the points.

d. We may, at any time, amend the time limit for how long you have to transfer or redeem any points. We will give you reasonable notice of such change.

e. We have the right to change these terms and conditions. We will always give you reasonable notice.

f. From time to time, we may offer special promotional points redemption rates. The terms and conditions published with each promotion will apply to these only.

g. We are not liable for any tax or charges that you might become liable to pay arising from you taking part in the programme and you agree to indemnify us and hold us harmless in full should we incur any such liability to any authority.

h. Points can be redeemed into cash at any time. Each point can be changed for 0.001 pence and you must change at least 10,000 points.
You are not authorised to use in any way our intellectual property other than as provided herein.

LIABILITY

If we sell you a membership or points we will only be liable to you for our own negligence or if we do not keep to our responsibilities. Our total liability hereunder or in connection herewith (other than for death or personal injury) will be limited to twice the cost of your spend and will not include any direct or indirect loss of profit, loss of opportunity, business-related losses, or any indirect or consequential losses.

b. We are not liable for the acts and failures of any supplier howsoever caused.

c. We are not liable for any failures or breaches due to circumstances beyond our control.

2 – Membership Terms and Conditions

M Lab Membership Terms of Use

EFFECTIVE 12TH MAY 2018
 
When we refer to “you” in these Terms and Conditions, this is taken to mean the business or organisation on behalf of whom you are setting up this Business Member account and, where the context permits, you personally. You confirm and represent that you have authority to bind the business on whose behalf you are setting up this Business Member account and that you are an owner of that business and/or director of that business.
In setting up a Business Member account, you agree (and you confirm that the Business Member agrees) that the Business Member will be bound by these Business Terms and the documents and other terms referred to in them. You agree that these Terms and Conditions shall apply to your use of the PACT System and our Site and any contract where we supply goods (if any) and/or services to you via the PACT System or Site (Contract).
“M Lab” means the distinctive membership based business cub known as M Lab.

FEES

The fees (Fees) for services we offer, or for services we offer as agent for third parties (together, Services) are available on our Site, or they will be quoted to you before you place an order. You may pay the Fees by BACS transfer. When ordering Services, our order process allows you to check and amend any errors before submitting your order to us. Please take the time to read and check your order at each page of the order process.  We shall not be responsible for any errors or their consequences.
We shall submit to you a pro-forma invoice in anticipation of an upcoming Fee invoice, against which you shall remit funds in advance of the Fee invoice.  Upon receipt of such funds we shall promptly issue a receipted Fee invoice to you.  Funds remitted against pro-forma invoices shall be held by us on account of Fees.

ORDERING SERVICES

If you place an order for Services, you will receive an e-mail from us acknowledging that we have received your order and asking for you to arrange payment (either in full by BACS or instalments by standing order depending on the Service ordered). Please note that this does not mean that your order has been accepted. Acceptance of your order takes place as referred to below. We will follow the same process where we offer Services as agent for a third party. If you do not make payment within 21 Business Days, we will automatically cancel your order without any responsibility on our part.
Once payment for your order has been received, we will confirm acceptance of your order by sending you an e-mail stating that the order has been processed, at which point the Contract between us, or between you and the third party via our agency (as applicable), for the supply of the Services, will be formed.

SUPPLY OF SERVICES

We shall use reasonable endeavours to ensure that the Services are supplied to you as soon as is possible after your order is accepted, but we do not guarantee that the Services shall be provided within any specific timeframe. If some or all of the Services cannot be supplied to you, for example because they are no longer available or because your requested supply date cannot be met, we will inform you of this by e-mail and we will not process your order (or we will only process the part relating to the Services which can be supplied). If you have already paid for the Services, we will arrange for your payment (in whole or part, as applicable) to be refunded to you.
Subject to any specific terms we, or the organisations on behalf of whom we act as agent, apply to individual Services, we will use reasonable endeavours to ensure that internet-based Services are available 24 hours a day, seven days a week, although we make no warranties or guarantees in this regard. In particular, Services may not be available during: planned maintenance carried out during the maintenance window of 10.00 pm to 2.00 am UK time; and unscheduled maintenance, in which case we will give advance warning by posting a notice on our Site.

YOUR TRADING VIA THE PACT SYSTEM

When you engage in business with any person via the PACT System, the resulting contract will be between you and that person and as such, that transaction will be subject to the relevant selling terms and conditions of supply offered by that person, over which we have no control. We therefore require you to conduct business in a Fair and Reasonable manner and not in a way, which could bring us or the PACT System into disrepute.  Fair and Reasonable shall mean in a manner and to a standard that would be expected of an honest user of the PACT System and provided services are in accordance with the highest industry standards.
You warrant, represent and undertake that you will comply with all applicable laws, rules and regulations (Rules) (including but not limited to Rules relating to copyright and trademarks) when ordering Services or using the PACT System or Site to advertise your business or sell and supply goods and/or services (including without limitation the obligation to display all prices as VAT inclusive prices where selling to consumers). You shall indemnify us,  keep us indemnified in full and hold us harmless, against all liabilities, costs, expenses, damages and losses including (but not limited to) any direct, indirect or consequential losses, loss of profit, loss of opportunity, loss of reputation and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other reasonable professional costs and expenses suffered or incurred by us arising out of or in connection with your failure to comply with such Rules.

TERMINATION AND SUSPENSION OF BUSINESS MEMBERSHIP

We may immediately terminate your membership of M Lab where we discover any of the below, or we may immediately prevent your access to the Pact system/Site pending investigation at any time where we have a  reasonable belief of:
– any abuse or attempted abuse of the Network; and
– any breach or attempted breach of these Terms and Conditions and/or the documents referred to in them.
Business Membership will be automatically suspended:
– in the event that you are in arrears with payment of the Fees and you have not paid them by the expiry of the warning notice we send to you; or
– during an investigation under the provisions herein.
You may terminate Business Membership at any time by writing to us at info@M-Lab.co.uk, giving us at least 4 weeks’ notice provided you do not have any outstanding indebtedness to us.
On suspension of your membership, you will not be able to advertise your business or offer goods and/or services via the PACT System/Site (we will remove visibility of the products and/or services from your online shop). We will also suspend the functionality of your account. In each case, we reserve the right to hide your profile. If suspension continues for a period of 28 days, or if we determine that termination is appropriate due to investigation hereunder, we will terminate your membership, in which case the provisions of these Terms and Conditions relating to what happens on termination of your membership will apply.
On termination (whether by you or by us) of Business Membership for any reason, your profile will be removed from the PACT System/Site.
Any clause in these Terms and Conditions, which expressly or would by implication survive termination of the relationship between us, shall do so in full force and effect.

LIABILITY

The material displayed on our Site is provided for information purposes only. Such material and use of the PACT System and the Site generally are provided without any guarantees, conditions, representations or warranties as to their accuracy, efficacy or uninterrupted use. Use of the PACT System and the Site generally are provided on an “as is” basis. We:
– do not warrant that your use of the Services or the PACT System/Site will be uninterrupted or error-free or suitable for your purposes; and
– are not responsible for any delays, delivery failures, or any other loss or damage resulting from the transfer of data over communications networks and facilities, including the internet, and you acknowledge that the Services, the PACT System and our Site generally may be subject to limitations, delays and other problems inherent in the use of such communications facilities for which we shall not be responsible.
To the extent permitted by law, we and other companies in our group of companies hereby expressly exclude:
– all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity, including where permitted in respect of consumer protection legislation;
– any liability under these Terms and Conditions if we are prevented from or delayed in performing our obligations hereunder, or from carrying on our business, by acts, events, omissions or accidents, or circumstances beyond our reasonable control, including, without limitation, strikes, lock-outs or other industrial disputes (whether involving our workforce or any other party), failure of a utility service or transport or telecommunications network, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or default of suppliers or sub-contractors; and
– any liability for any direct, indirect or consequential loss or damage incurred by your use of the Services, the PACT System and the Site generally or in connection with the use, inability to use, or results of the use of the Services, our Site and the PACT System, any websites linked to them, any materials posted on them and any transactions between you and third parties via the PACT System, including without limitation:
loss of income or revenue;
loss of business;
loss of opportunity;
loss of profits or contracts;
loss of anticipated savings;
loss of data;
loss of goodwill;
loss or corruption of data, information or software;
wasted management or office time, and
whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
We do not exclude liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.
Our total liability to you in respect of all losses arising under or in connection with your use of the Site (including without limitation, the PACT System), whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed the amount of Fees you have paid to us in the 12 months immediately preceding the date the liability arose.

COMMUNICATIONS BETWEEN US

When we refer to “in writing”, this will include e-mail.
Any notice or other communication given by you to us, or by us to you, under or in connection with these Terms and Conditions shall be in writing and shall be delivered personally, sent by pre-paid first class post or other next working day delivery service or e-mail.
A notice or other communication shall be deemed to have been received: if delivered personally, when left at our registered office; if sent by pre-paid first class post or other next working day delivery service, at 9.00 am on the second Business Day after posting or if sent by e-mail, one Business Day after transmission.
In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail, that such e-mail was sent to the specified e-mail address of the addressee.
The provisions of clauses 25 to 28 (inclusive) shall not apply to the service of any proceedings or other documents in any legal action.

GENERAL
We may revise these Terms and Conditions at any time. You are expected to check this page on our Site from time to time to take notice of any changes we make, as they are binding on you.
We may transfer or assign our rights and obligations under these Terms and Conditions to another organisation.
You may only transfer your rights or your obligations under these Terms and Conditions to another person if we agree in writing.
No person other than the relevant Business Member and us shall have any rights to enforce any of these Terms and Conditions.
Each of the clauses of these Terms and Conditions operates separately. If any court, tribunal or relevant authority decides that any of them are unlawful or unenforceable, the remaining clauses will remain in full force and effect.
If we fail to insist that you perform any of your obligations under these Terms and Conditions, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you. These Terms and Conditions (including any Contract) and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law.
Unless expressly stated otherwise elsewhere on our Site, these Terms and Conditions and any document expressly referred to in them shall constitute the entire agreement between you and us and supersede and extinguish all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to their subject matter.
You acknowledge that in using the PACT System or our Site generally, you do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms and Conditions or any document expressly referred to in them.
You and we agree that neither of us shall have any claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in these Terms and Conditions.

TRADE MARKS
”M Lab” and all associated logos and marks are trademarks of Intelligent Marketing & Branding Solutions Ltd.  You are not authorised to use any intellectual property which belongs to us or to our associated businesses without our written consent.

NON-COMPETE
During this Agreement and for 18 months after is cessation or termination you agree not to engage (either directly or indirectly) in setting up, running, owning or having any proprietary interest in any company, corporation, business or operation, which competes with the PACT System or Site of business therein.  You acknowledge that this restriction is reasonable and necessary to protect our legitimate commercial interests developed over time and as a result of significant investment by us.

DISPUTE RESOLUTION BETWEEN US AND YOU

If any dispute arises in connection with the running of a Business Member’s online profile between us and a Business Member, directors or other senior representatives of the parties with the authority to settle the disagreement will, within 28 days of a written request from one party to the other, meet (whether via Skype, in person or otherwise) in a good faith effort to resolve the disagreement.
If the disagreement is not resolved at that meeting, the parties will attempt to settle it by mediation in accordance with the Centre for Effective Dispute Resolution (CEDR) Model Mediation Procedure. Unless otherwise agreed between the parties, the mediator will be nominated by CEDR. To initiate the mediation a party must give notice in writing (ADR notice) to the other party to the disagreement requesting a mediation. A copy of the request should be sent to CEDR Solve. The mediation will start not later than 21 days after the date of the ADR notice.
No party may commence any court or arbitration proceedings in relation to any disagreement referred to above until it has attempted to settle the disagreement by mediation and either the mediation has terminated or the other party has failed to participate in the mediation, provided always that the right to protect any time bar by issuing proceedings shall not be prejudiced by a delay hereunder or prevented.
Any dispute arising hereunder or in connection herewith that is not resolved as prescribed above shall be referred to Arbitration in London pursuant to the Arbitration Act 1996, provided that either party may apply to any competent court for interim injunctive relief.

3-Rewards Programme Terms and Condition
EFFECTIVE 12TH MAY 2018
Introduction and definitions
a. To participate in the M Lab Rewards Programme you must adhere to the following terms and conditions, which you should read carefully. These terms and conditions apply to collecting, redeeming and/or gifting M Lab Points.
b. We, us, our – Intelligent Marketing & Branding Solutions Ltd. Our main offices are at 121 Colman House, Livery Street, Birmingham, B3 1RS (registered number 11341545).

  • Points – M Lab Points are the electronic loyalty points we provide.
  • Member – a business / organisation that has subscribed to a membership of the M Lab Business Club. A member may receive, purchase, transfer or gift points to another member or cardholder.
  • Cardholder – a person invited/registered to hold a M Lab Rewards Card.
  • Program – the M Lab Rewards Programme which allows members to award/earn M Lab Points to/from other members.
  • Supplier – another person or organisation who is responsible for arranging or providing services to M Lab or you.
  • Account – an account in your name, which contains points that you can use to gift or convert.

Membership of the programme
Collecting M Lab Points
a. To be eligible to collect / receive points, so we can register you on the programme, you must provide a verified address in the UK, the Isle of Man or the Channel Islands.
b. Either we or a M Lab Member may award you points in electronic form. We will hold them in an account on your behalf. If a member awards you points you may have to follow the member’s terms and conditions.
Your Account
a. We will maintain an account that records your points balance and transactions. You can get details of your account by logging in to your member / cardholder area on the M Lab website or by emailing Info@M-Lab.co.uk.
b. If you have no points credited to your account for 24 consecutive months all points accrued to date will automatically expire without further notice.
c. When a member instructs us to add points to your account, or when you convert points on a product or service we provide, we will adjust your account balance in line with this. If the information the member gives is not accurate, we may have to refer you to the member. We will correct any mistakes that we make on your account. We recommend that you keep records of your transactions so you can check that your account is accurate.
d. By becoming a member of the programme you accept that you are bound by these terms and conditions. Any information supplied to us when using this website will be used in accordance with the M Lab Privacy policy.
Using M Lab Points
a. When points are credited to your account you may redeem them by transferring a number of points to your M Lab prepaid Mastercard on a point-per-pound basis.
b. You may transfer your points to any other member/cardholder as long as you, the account holder, instruct us to make the transfer via the website.
c. If you die, the points may be transferred to an account in the name of one of your beneficiaries. We must be shown a copy of the will and death certificate.
d. If you try to transfer points in any other way, we may take action against you.
Security
a. You, as the holder of points, are responsible for their security. We are the owner of all points and they remain our property at all times. To reduce the risk of someone else spending points in your account, treat your account details like a credit-card number.
b. We will setup your account in your name with your current address. If you change address, you must notify is by email at info@M-Lab.co.uk. If you call us to change your address you may have to answer security questions before we can make any amendments.
c. You may name an individual to act on your behalf as long as you do so in writing. We will store this information and you must tell us in writing if you want to remove or change any authorised people from your account details. This will help us to reduce security risks as far as possible.
d. It is your responsibility to keep secure any information that might identify you and allow access to your account. Unfortunately, you cannot hold us responsible if a person is able to transfer or redeem points in your account as a result of you not taking appropriate care of your account details. If you lose or accidentally reveal your account and/or password details, or lose your M Lab card, you should contact us immediately. Please make sure that we always have your correct address to reduce security risks as far as possible.
Ending your membership
a. You can end your membership of the programme at any time by contacting us. We may end your membership of the programme and cancel or suspend any points in your account if we reasonably believe that you have acted in a way that harms the programme or any member. These actions may include but are not limited to:
• illegal or fraudulent activities;
• collecting or using points dishonestly or in a way that breaks these terms and conditions;
• hostile, abusive or aggressive behaviour towards our staff or the staff of members or M Lab partners.
• knowingly providing us with false or misleading information.

General
a. We can change the programme and the products and services we provide, including the points rewards. Where possible we will try to give you reasonable notice but this could depend on the nature of the change and the notice that we may receive from our suppliers or partners.
b. The law of United Kingdom applies to these terms and conditions.
c.You cannot exchange points outside the program for cash or anything else. If you do so, we may confiscate the points.
d. We may, at any time, amend the time limit on how long you have to transfer or redeem any points. We will give you reasonable notice.
e. We have the right to change these terms and conditions. We will always give you reasonable notice.
f. From time to time, we may offer special promotional points redemption rates. The terms and conditions published with each promotion will apply to these only.
g. We are not liable for any personal tax liability that may arise from you taking part in the programme.
h. Points can be redeemed into cash at any time. Each point can be changed for 0.001 pence and you must change at least 10,000 points.
Liability
a. If we sell you a membership or points we will only be liable to you for our own negligence or if we do not keep to our responsibilities. Our total liability in all cases (other than for death or personal injury) will be limited to twice the cost of your spend and will not include any loss of profit, business-related losses or indirect losses.
b. We are not liable for the acts and failures of any supplier.
c. We are not liable for any failures due to unusual and unexpected circumstances beyond our control, the consequences of which could not have been avoided even if we had taken all reasonable care (for example, industrial disputes, hostilities, political unrest or natural disasters).

4 – Website Terms & Conditions
EFFECTIVE 12TH JULY 2016

This page (together with the documents referred to on it) tells you the terms and conditions upon which you may make use of our website www.M-Lab.co.uk (“our site”), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms and conditions of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

1.INFORMATION ABOUT US

Our site is operated by Intelligent Marketing & Branding Solutions Ltd. (“We”). We are registered in the United Kingdom under company number 11341545 and have our registered office at 121 Colman House, Livery Street, Birmingham, B3 1RS. Our VAT number is TBA. We are a limited company.

2. ACCESSING OUR SITE

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable whatsoever if for any reason our site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us in our sole discretion.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

When using our site, you must comply with the provisions of our acceptable use policy.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

3. INTELLECTUAL PROPERTY RIGHTS

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

4. RELIANCE ON INFORMATION POSTED

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility whatsoever arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

5. OUR SITE CHANGES REGULARLY

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

6. OUR LIABILITY

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

– All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity, including where permitted in respect of consumer protection.

– Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including but not limited to:

– loss of income or revenue;
– loss of business;
– loss of profits or contracts;
-loss of opportunity;
– loss of anticipated savings;
– loss of data;
– loss of goodwill;
– wasted management or office time; and

whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

7. INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE

We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

8. TRANSACTIONS CONCLUDED THROUGH OUR SITE

Contracts for the supply of goods and/or services formed through our site or as a result of visits made by you are governed by our Member Terms and where there is a third party involved in a transaction, that third party’s terms of supply.

9. VIRUSES, HACKING AND OTHER OFFENCES

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

We will not be liable for any direct or indirect loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

10. LINKING TO OUR SITE

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.

If you wish to make any use of material on our site other than that set out above, please address your request to info@M-Lab.co.uk

11. LINKS FROM OUR SITE

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

12. LINKING TO OUR SITE

The Isle of Man courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of the Isle of Man

13. VARIATIONS

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

14. YOUR CONCERNS

If you have any concerns about material which appears on our site, please contact info@M-Lab.co.uk

Thank you for visiting our site.