Terms Of Business

Please read carefully our Terms of Business which governs your use of our Web Site. By using this site you are agreeing to them.

Copyright & Trademark

This Site is owned and operated by Francisca Management Services Ltd. The material contained on this Web Site, including all design, text, graphics, selection and arrangement of content and all other information on this Site are copyright Francisca Management or its licensees, content providers or technology providers. All rights reserved.

Permission is granted to copy, print and distribute in hard copy sections of this Site for the purpose of browsing fmsgcapital.com. Any unauthorised use of the material on this site without the prior permission of fmsgcapital.com may violate copyright, trademark and other applicable laws.

Francisca Management Services respects and acknowledge all relevant trademarks which are marked accordingly.

Personal Information

We do not collect any personal information from a visitor to our sites unless that visitor explicitly and intentionally provides it. Under no circumstances do we collect any personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, health, or sex life. If you are simply browsing our sites, we do not gather any personal information about you.

There are two ways in which you may explicitly and intentionally provide us with, and consent to our collection of certain personal information.

E-mail Request for Information or Registration for Guides and Seminars – We use links throughout our sites to provide you with the opportunity to contact us via e-mail to ask questions, request information and materials, register or sign up for guides or seminars, or provide comments and suggestions. You may also be offered the opportunity to have one of our representatives contact you personally to provide additional information about our products or services. To do so, we may request additional personal information from you, such as your name and telephone number, to help us satisfy your request.

Enrolment

If you choose to enrol for one of our products or services, we will request certain information from you. Depending on the type of product or service that you request, you may be asked to provide different personal information. For certain products, we may require your name, address, telephone number, e-mail address, credit card number, IP address and/or social security number, and/or another form of national identification. Other products may require different or supplemental information from you in order to apply. For a detailed listing of the type of personal information requested for our various products, please refer to the enrolment page for the particular product.

Statistical Information about Your Visit

When you visit our sites, our computers may automatically collect statistics about your visit. This information does not identify you personally, but rather about a visit to our sites. We may monitor statistics such as how many people visit our sites, the user's IP address, which pages people visit on our sites, from which domains our visitors reach our sites, and which browsers people use. We use these statistics about your visit for aggregation purposes only. These statistics are used to help us improve the performance of our Web sites.

Use of Cookies

A “cookie” is a piece of information that our Web sites sends to your browser, which then stores this information on your system. A user will be able to utilize our web sites without cookies. If a cookie is used, our Web sites will be able to “remember” information about you and your preferences either until you exit your current browser window (if the cookie is temporary) or until you disable or delete the cookie. Many users prefer to use cookies in order to help them navigate a Web site as seamlessly as possible. You should be aware that cookies contain no more information than you volunteer, and they are not able to “invade” your hard drive and return to the sender with personal or other information from your computer.

We may use cookies when you visit our Web sites and request documentation or a response from us. When you are filling out a form, you may be given the option of having our Web site deliver a cookie to your local hard drive. This type of cookie is not temporary, although you can always delete or disable it through your browser preferences. If you choose not to accept this type of cookie, you will still be able to use our Web sites. You might choose to receive this type of cookie in order to save time in filling out forms and/or revisiting our Web sites. We only send this type of cookie to your browser when you have clicked on the box labelled “Please remember my profile information” when submitting information or communicating with us. Even if you choose to receive this type of cookie, you can always set your browser to notify you when you receive any cookie, giving you the chance to decide whether to accept it in each situation in which one is sent. We use this information for statistical and marketing purposes. To find more information about cookies, if you are using Microsoft Internet Explorer® as your browser, go to the Microsoft Web site at http://www.microsoft.com/info/cookies.mspx or if you are using Netscape Navigator® as your browser, go to the Netscape Web site at http://channels.netscape.com/ns/info/privacy.jsp

How We Use and With Whom We Share the Information We Gather

We assure you that the information we gather from you is used by us only as explained below.

Sending you responses and updates

We respond to any e-mail questions, requests for product or service information, and other inquiries that we receive. We may also retain this correspondence to improve our products, services, and Web sites, and for other disclosed purposes. Frequently we retain contact information so that we can send individuals updates or other important information about our services and products. Occasionally these updates or other important information may be sent out by third parties on our behalf. Please be assured that any third party who contacts you in this capacity has executed a confidentiality agreement with us that contains a provision ensuring the privacy and security of any transferred information and limits the third party's use of the shared information to sending updates or providing services on our behalf. In situations where you have supplied your information in connection with a question or request for information about a product or service offered by a Francisca Management services business partner, we may also send the information you have supplied to the Francisca Management services business partners that offer such products or services. Please be assured that these Francisca Management services business partners have agreed to ensure the privacy and security of any transferred information and may only use the shared information to send you information about the products or services about which you asked. Francisca Management services customers may be given information about relevant products offered by , its subsidiaries and business partners. Francisca Management services customers will be given the option of opting out of further communications from, its subsidiaries and business partners.

Disclaimer

TO THE FULLEST EXTENT PERMITTED AT LAW, FMSGCAPITAL.COM IS PROVIDING THIS WEB SITE AND ITS CONTENTS ON AN "AS IS" BASIS AND MAKES NO (AND EXPRESSLY DISCLAIMS ALL) REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH RESPECT TO THIS WEB SITE OR ITS CONTENTS INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, FMSGCAPITAL.COM DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA THIS WEB SITE IS ACCURATE, COMPLETE OR CURRENT.

In an effort to provide our customers with the most current information, price and availability information is subject to change without notice.

Save in respect of your statutory rights under the Sale of Goods Act 1977 (as amended) and the Unfair Contracts terms Act 1977 and save in respect our guarantee, we shall not be liable to you by reason of any implied warranty, condition or other term, or any duty at common law, or under these terms of our contract with you, for any indirect, special or consequential loss or damage (whether for loss of profit or otherwise), costs, expenses or other claims for compensation whatsoever (whether caused by our negligence) which arise out of or in connection with the supply of the goods or their use by you.