1. This website is owned and operated by HomepageVentures Limited (‘HVL’) The Terms and Conditions apply to the several community sites operated by HVL (‘Affiliated Sites’) Access to this website and the Affiliated Sites is subject to the following Terms and Conditions.
2. By viewing the website the user is deemed to consent to all terms and conditions set out below which are effective immediately upon use. If you do not agree with these terms please do not use the site. If you have any questions regarding the terms and conditions, you should contact us immediately
   
3. HVL reserves the right at all times to vary, change, alter, amend, add to or remove any of these terms. The modified terms will become effective immediately upon publication online. By browsing the website you accept that you are bound by the current terms and conditions and notices and we therefore recommend that you check these each time you revisit the site. The current version of these terms and conditions was adopted and published on 20th December 2007
4. These terms and conditions are supplemented by terms and conditions of HVL, its Affiliated Sites and of 3rd Party sites to which HVL provides links which are applicable to the sale and purchase of particular products and services. The user’s attention is drawn to such Terms and Conditions and HVL recommends the user to read such terms and conditions before entering into any transaction.
5. All copyright and other intellectual property rights in any material contained on this website is either owned by HVL or has been licensed to HVL by the right's owners. Use of any trademarks is forbidden unless prior written permission has been obtained from HVL or other owner of the trademark.
6. You may not copy, reproduce, republish, download, post, broadcast, transmit, make available to the public, or otherwise use HVL content in any way except for your own personal, non-commercial use. You also agree not to adapt, alter or create a derivative work from any HVL content except for your own personal, non-commercial use. Any other use of HVL content requires the prior written permission of the HVL. Nothing in these Terms and Conditions shall confer expressly, by implication, estoppel or otherwise any license or right to use any Intellectual Property of HVL or any of its licensors.
7. You may not remove any copyright, trademark or intellectual property notices contained in the original material from any material downloaded or copied from the website.
8. If you submit any contribution, (whether text, photographs, graphics, video or audio or otherwise) to HVL, for use on any of the Affiliated Sites, you warrant that: 
1. you own the copyright in any such content and have the right to grant the rights specified in sub-clause  2  below
2. the content is not defamatory, pornographic or otherwise unsuitable
3. the content is not otherwise unlawful
4. agree to grant HVL a perpetual, royalty-free, non-exclusive, sub-licensable worldwide license to use such content in whatever manner HVL may choose including as a derivative work or compilation in any media now known or subsequently developed for the full term of any rights that may exist in your content.
5. waive any moral rights in your contribution for the purposes of submission and publication.
6. agree to abide by the rules applicable to  Blogs, Forums, Message Boards and other interactive communication facilities provided by HVL outlined in these Terms and any specific rules applicable to such facilities specified elsewhere on this and the Affiliated Sites
7. you indemnify HVL against all legal fees, damages and other expenses that it may incur as a result of your breach of the above provisions.
9. Links to the website, http://www.Homepageventures.com or to any of the Affiliated Sites other than to each individual site’s home page or from within a frame-set definition are not permitted except with HVL ’s prior written permission.
10. The content of this website is for general information only and as an aide in the research process and does not constitute any form of advice or recommendation upon which a specific decision should be made. HVL has done its best to ensure the accuracy and currency of the materials contained on this website but excludes any warranty express or implied as to quality, accuracy, timeliness, completeness or fitness for a particular purpose of the material contained on the website. HVL accepts no responsibility and will not be liable for any loss or damage, whether direct, indirect, exemplary, consequential or otherwise which may arise from reliance on information or advice contained on this website.
11. HVL does not warrant that the use of the site will be without interruption or error-free, that all defects will be corrected or that the site and its content may not be contaminated by viruses or other harmful properties. HVL accepts no responsibility and will not be liable for any claims, penalties, loss, damages or expenses whatsoever whether direct, indirect, exemplary, consequential or otherwise, arising from the use or the inability to use the website or from any unauthorised access or alteration or infection to the website by a third party. This clause shall not exclude liability for death or personal injury directly caused by the negligence of HVL
12. HVL is not responsible for the content or contributors’ activities using facilities provided by HVL to enable and encourage the exchange of views and information by its contributors. Contributors to such forums agree to abide by the applicable rules. HVL reserves the right to remove any content from the website if any person is offended by it and/or can satisfy HVL that its publication is unlawful.
13. The website contains links to other third party sites outside the control of HVL. These links are provided to help you find additional information quickly and easily. HVL accepts no responsibility for the content of such sites, the rules governing their respective use or their availability and will not be liable for any claims, penalties, loss, damages or expenses whatsoever whether direct, indirect, exemplary, consequential or otherwise, arising from the use or the inability to use such third party sites
14. HVL and the Affiliated Sites encourage its members to participate in Forums, and on Message Boards and other interactive communication facilities. Such facilities can only work if people respect each other and act lawfully. In using such facilities you agreed to abide by the following guidelines and any particular guidelines detailed on the Affiliated Sites.
1. You are responsible for any content that you contribute and should have the right to use such content
2. The content should be lawful
3. Contributions should be constructive and relevant in the context
4. You should not use foul, abusive or otherwise offensive language, or threaten or harass any other users
5. You should not use the communication facilities of the website for the purpose of spamming, advertising, soliciting business or disseminating chain or pyramid letters
6. You should not use specific URL’s unless permitted by the particular guidelines for an HVL facility
7. You should only use your own user identity and not impersonate another or use multiple logins or take any other action for the purpose of distorting or disrupting the service provided
8. Content should only be in a language that the substantial majority of potential users can understand.
9. You should not do anything which may be detrimental to the reputation of HVL and the Affiliated Sites
15. HVL reserves the right to remove any content, whether after a warning or without notice, which, in its sole opinion, offends these guidelines and to suspend or terminate any account of any user who fails to comply with the guidelines.
16. HVL cautions all users not to provide any personal information such as contact details to third parties using the interactive communication facilities.
17. HVL cautions parents to supervise their children using Internet interactive communication facilities
18. The views expressed in Forums, on Message Boards and on the other facilities, are those of the particular user and HVL accepts no responsibility for either the views expressed or the manner of expression.
19. HVL reserves the right, at any time, without notice
1. to suspend or terminate access to, or use of, the website generally or in relation to particular user(s).
2. to vary, change, alter, amend, add to or remove any content on this website.
20. If any of these terms are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.
21. These terms are not intended to confer any benefit on a third party under the provision of the Contracts (Rights of Third Parties) Act 1999
22. The content of the website is developed for and directed at users within the United Kingdom. These Terms and Conditions shall be governed by the laws of England and Wales and subject to the exclusive jurisdiction of the English Courts

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