Terms and conditions
These terms and conditions explain your rights and obligations when using website
1 Information about us
1.1 These terms and conditions govern your use of the website at www.sandychadha.com (our website).
1.2 Please read these terms and conditions carefully before you start to use our website. By using our website, you confirm that you accept these terms and conditions of use and that you agree to abide by them.
1.3 The terms, "we", "us", or "our", refer to Limited, a limited company incorporated and registered in England & Wales under company number and has its registered office at 4 Beacon Road, Trafford Park, Manchester M17 1AF.
1.4 References to terms and conditions means these terms and conditions and our acceptable use policy.
2 Accessing our website
2.1 Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our website without notice (see below). We will not be liable if, for any reason, our website is unavailable at any time or for any period.
2.2 We try to meet Worldwide Web Consortium standards of accessibility, but cannot guarantee that our website will be compatible with all hardware, software or assistive technologies that may be used by visitors to our website.
2.3 If you want to report an error or have any questions have a look at our frequently asked questions.]
3 Information we collect about you
3.1 We process information about you in accordance with our privacy policy. Our privacy policy forms part of these terms and conditions and contains details on the types of information we collect, what we do with that information and other related matters such as cookies.
4 Intellectual property rights
4.1 We are the owner or the licensee of all intellectual property rights in our website, its contents (including any computer software) and in the content published on it.
These intellectual property rights include, without limitation, copyright, trademarks, the underlying software, the design, graphics, layout, look and feel and structure of our website, database rights, design rights, domain names and rights to goodwill and/or to sue for passing off.
The trademarks, logos and service marks displayed on our website are registered and/or are common law trademarks of, its affiliates, and various third parties. All intellectual property rights relating to our website is and remain the sole property of us and/or our licensors.
4.2 You may view, use, print off one copy, and may download extracts, of any page(s) from our website for your personal reference and you may draw the attention of others within your organisation to content posted on our website (provided you do so in a manner not detrimental to).
Commercial use of our content is not permitted. Other than as stated in this clause 4.2 the redistributing, republishing, copying, adapting, modifying or otherwise making content on this website available to third parties is strictly prohibited.
5 Accuracy of the content on our website and our liability to you
5.1 The information on our website is given as available and as is, in good faith and for general information and interest only. It is subject to change without notice. We make every effort to ensure that the information on our website is correct but we cannot guarantee that it is free of inaccuracies, errors and omissions.
All actions taken by you on our website are your responsibility and we cannot make any guarantees that any information is correct or be held liable for any actions based on the information provided. We do not provide any financial advisory or investment advice on our website.
5.2 Subject to clause 5.5 and unless specified otherwise in the terms and conditions, we shall not be liable to you for any direct or indirect losses of any kind whether based in contract, tort (including negligence), strict liability, or otherwise which arises out of or are in any way connected with, your use of our website or content, any failure or delay (including but not limited to the use or inability to use any component of our website) or the performance or non performance by us or any third parties even if we have been advised of the possibility of damages to you or any other party. We shall have no liability for any transactions, decisions or other action taken, or not taken, on the basis of information, data and services provided by, including, without prejudice, answers provided under the Question & Answer Service.
More specifically, subject to clause 5.5 we shall not be liable to you for any and all:
(i) loss of income or revenue;
(ii) loss of business;
(iii) loss of actual or anticipated profits;
(iv) loss of, damage to or corruption of data;
(v) loss of goodwill or reputation;
(vi) loss of anticipated savings;
(vii) wasted management or office time; and/or
(viii) indirect loss or damage of any kind, in each case however so arising, whether such loss or damage was foreseeable and whether arising out of breach of contract, tort (including negligence), breach of statutory duty or otherwise.
We do not warrant or guarantee the timeliness, accuracy, or completeness of any information or services provided. Additionally, there are no warranties as to the results obtained from the use of the information and services.All other warranties, either express or implied by law, are excluded in accordance with clause 5.1.
5.3 If notwithstanding clauses 5.2 and 5.4, we are held liable to you by a court of competent jurisdiction for losses arising out of our breach of these terms and conditions and/or our negligence in relation to your use of our website, you agree that our liability to you is capped at £50 (subject to clause 5.5).
5.4 We do not accept liability for direct or indirect losses sustained by you arising out of transactions or arrangements you enter into with any third party named, referred to or linked to on our website. If you access other sites using the links provided, we cannot be responsible for the content of those sites or for the way in which they deal with you or use any information including personal data that they might acquire about you.
5.5 We do not exclude or in any way limit liability for fraud, death or personal injury caused by our negligence or any liability to the extent the same may not be excluded or limited as a matter of law.
Question & Answer Service
Answers under this service are intended for general guidance only. We do not provide tax advice.
We undertake only to provide the best general guidance that we can within an allotted time of 15 minutes (notwithstanding that we may on occasion spend longer than 15 minutes on an answer, at our sole discretion).
The Question & Answer Service covers questions on UK issues only.
We cannot enter into discussions directly with third parties nor can we review or respond to individual correspondence.
Although we are committed to providing a fast service, we cannot guarantee that answers to questions will always be received by you within 3-5 working days. We reserve the right to refrain from answering specific questions at our sole discretion.
If you require specific advice, which is beyond the scope of this service you can contact us for details of a suitably qualified specialist before any action is taken or any decision is made to refrain from taking action.
Disclaimer
Please note that the answers provided in the Question & Answer Service contain general guidance only and do not constitute accountancy or other professional advice.
Although the aim is always to ensure that you are provided with as comprehensive an answer as possible within the limited scope of this service, all liability is excluded for any loss which may arise as a result of your reliance on:
• an answer where you know or should have known that one of the assumptions did not apply (if you are not sure then please ask!);
• this service for non-UK issues and/or investment advice and/or specialist advice, in respect of which you should seek advice from a specialist in these areas – which we can recommend to you;
• an answer which has subsequently become inaccurate, incomplete or incorrect as a result of future changes in the law or changes in practice by government or regulatory authorities (eg Customs & Excise) or changes to your personal circumstances.
We recommend that for a specific accountancy or tax problem or matter a suitably qualified accountant, independent financial adviser or tax specialist should be consulted. We are happy to recommend one to you.
Services, content and information are provided for the your sole personal use. No obligation to any other parties can be accepted by in providing answers to questions pursuant to the Question & Answer Service.
6 Changes we need to make to our website and its content
6.1 We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely.
8 Downloads
8.1 Any material downloaded or otherwise obtained through the use of our website is done at your own discretion and risk.
8.2 You will be solely responsible for any damage to your computer system or for any loss of data that results from the download of any such material.
9 Your liability to us
9.1 You agree to be liable for any liability, loss, claim, and expense (including reasonable legal fees) related to any breach by you of these terms and conditions or arising from your misuse of our website. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter or dispute arising from your use or misuse of our website and you agree to co-operate with the defence of such a dispute or claim by us.
10 Links from our website
10.1 Where our website 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 these sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them or their use of any information they may acquire about you (including personal data).
10.2 A link from our website does not constitute an endorsement by us of the use of that link, the company or organisation behind that link or the contents of the website reached using that link.
11 Links to our website
11.1 We welcome links to our home pages at www.com, 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.
11.2 Our website must not be framed on any other website and you must not create a link to any part of our website other than the home pages at www.com unless you have obtained prior written permission from.
The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.
11.3 Any link to our website must comply with the following conditions:
i) the link must consist of the following text only: and the URL;
ii) the link must not create the impression that your organisation or any of its products or services is recommended by or associated in any way with;
iii) the existence of the link, its position, appearance or any other aspect of it must not damage or be likely to damage the name or reputation of;
iv) selection of the link by a user must display our website as a full screen and not within a frame on the website on which the link appears;
v) you shall take all reasonable precautions to ensure that the use and existence of the link does not cause the transmission to our website of viruses or other deleterious programming routines; and
vi) you must not establish a link from any website that is not owned by you.
11.4 We reserve the right to require the removal of any link to our website at any time (whether or not previous consent to such link has been given).
11.5 The framing, mirroring, scraping or data mining of our website or any conduct by you that in our sole discretion restricts or inhibits any other user from using or enjoying our website (or any linked site) is strictly prohibited.
11.6 If you wish to make any use of content on our website other than that set out above, please address your request by email to
13 Viruses, hacking and other things we do not like
13.1 You must not misuse our website 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 website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
14 Jurisdiction
14.1 The English courts will have jurisdiction over any claim arising from, or related to, a visit to our website although we retain the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant country. These terms and conditions of use are governed by English law.
15 Severability
15.1 If any of these terms and conditions are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms and conditions which will continue to be valid to the fullest extent permitted by law.
16 Waiver
16.1 No failure or delay by us in exercising any right under these terms and conditions shall operate as a waiver of this right. Similarly, any single or partial exercise of any right shall not preclude any further exercise of any of these rights or the exercise of any other right.
17 Entire Agreement
17.1 These terms and conditions and any document expressly referred to in them and any guidelines or rules posted on our website represent the entire agreement between us in relation to the subject matter of these terms and conditions and supersede any prior agreement, understanding or arrangement between us, whether oral or in writing.
18 Matters beyond our reasonable control
18.1 We will not be liable for any breach of these terms and conditions if such a breach is caused by a matter beyond our reasonable control, including acts of God, internet failures, computer equipment failures, telecommunication equipment or other equipment failures, electrical power failures, fire, lightning, explosion, war, flood, industrial disputes, sabotage, severe weather, or acts of local or central Government or other competent authorities.
20 Changes to these terms and conditions
20.1 We may revise these terms and conditions from time to time and the amended terms will be posted on our website. Any amendments to these terms and conditions will be effective immediately. Some of the provisions contained in these terms and conditions may also be superseded by provisions or notices published elsewhere on our website.
Acceptable use of our website and user generated content
This acceptable use policy sets out the terms between you and us under which you may use our website (the acceptable use policy). This acceptable use policy forms part of the terms and conditions for the use of our website and applies to all users of, and visitors to, our website.
This acceptable use policy applies to any and all content which you contribute to our website (user generated content).
1 Prohibited uses
1.1 You may use our website only for lawful purposes. You must not use our website:
(i) in any way that breaches any applicable local, national or international law or regulation;
(ii) in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
(iii) for the purpose of harming or attempting to harm minors in any way;
(iv) to send, knowingly receive, upload, download, use or re-use any content which does not comply with our content standards;
(v) to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar communication (spam); or
(vi) to knowingly transmit any data, send or upload any material that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
1.2 You also agree:
(ii) not to access without authority, interfere with, damage or disrupt:
a. any part of our website;
b. any equipment or network on which our website is stored;
c. any software used in the provision of our site; or
d. any equipment or network or software owned or used by any third party.
2 Electronic communication and notices
2.1 When using our website, you accept that communication with us will be mainly electronic. We will contact you by e-mail or provide you with information by posting notices on our website. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing.
2.2 Notices to us may be sent by normal post or by e-mail. Postal notices should be sent to Limited 4 Beacon Road, Trafford Park, Manchester M17 1AF.
4 Content standards
4.1 These content standards apply to any and all user generated content which you contribute to our website.
4.2 You must comply with the spirit of the following standards as well as the letter. The standards apply to each constituent part of any piece of user generated content as well as the piece as a whole.
4.3 User generated content must:
(i) be accurate, where it contains a factual statement
(ii) be genuinely held (where it states opinions or beliefs); and
(iii) comply with applicable law in the UK and in any country from which it is uploaded or posted.
4.4 User generated content must not:
(i) contain anything which is defamatory of any person;
(ii) contain anything which is obscene, offensive, hateful or inflammatory;
(iii) contain or promote sexually explicit material;
(iv) promote violence;
(v) promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
(vi) infringe any copyright, database right or trade mark of any other person;
(vii) be likely to deceive any person;
(viii) be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
(ix) promote any illegal or unlawful activity;
(x) be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;
(xi) be likely to harass, upset, embarrass, alarm or annoy any other person;
(xii) be used to impersonate any person, or to misrepresent your identity or affiliation with any person;
(xiii) give the impression that they emanate from us, if this is not the case;
(xiv) contain press releases or advertising;
(xv) advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse;
(xvi) adapt, translate, modify, decompile, disassemble or reverse engineer our website or any software or program used in connection with it;
(xvii) restrict or inhibit any other user from using or enjoying our website (or any linked website); or
(xviii) modify, alter or deface any of the trademarks, service marks, trade dress or other intellectual property made available by us in connection with our website or otherwise infringe or facilitate infringement of any copyright, patent, trademark, trade secret or other proprietary, publicity or privacy rights of any part, including the rights of third parties.
5 Breach of this policy
5.1 Using our discretion, we will determine whether there has been a breach of this acceptable use policy through your use of our website. A breach of this acceptable use policy constitutes a material breach of the terms and conditions governing your website use.
5.2 If we decide that you have not complied with this acceptable use policy, we may take one or more of the following courses of action:
(i) immediately, temporarily or permanently withdraw your right to use our website;
(ii) immediately, temporarily or permanently remove any piece of user generated content uploaded by you to our website;
(iii) issue you with a warning about your conduct;
(iv) bring legal proceedings against you to recover all our costs and losses that result from your breach of this policy (including, but not limited to, reasonable administrative and legal costs);
(v) further legal action against you; and/or
(vi) disclosure of such information to law enforcement authorities as we deem appropriate.
5.3 We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this acceptable use policy are not limited, and we may take any other action we reasonably deem appropriate.
5.4 You should not use our website for any commercial purpose. For the avoidance of doubt, reviewing a product that promotes your own or your employers business or hinders a competitors business shall be deemed to be a commercial purpose. In the event that discovers that you have acted in contravention of this clause it reserves the right to publish a statement on the website detailing your actions.
6 Changes to this policy
6.1 We may revise this acceptable use policy at any time by amending this policy. You are expected to check this page from time to time to take notice of any changes we make because they are legally binding on you. Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our website.