Terms and Conditions

Introduction
1. These Terms and Conditions apply to all work undertaken by Corbridges Advocates ("we" "us" "the firm") for the client to whom a Letter of Engagement will be addressed setting out the scope of our retainer ("you" "your" "the client").
2. These are the Terms and Conditions ("the Terms") that will be referred to in that Letter of Engagement and are the Terms under which all work is to be undertaken by us on your behalf.
3. You will be considered to have accepted these Terms and those contained in our Letter of Engagement should we advise you or should we undertake any work on your behalf after sending to you these Terms and our Letter of Engagement.
4. These Terms contain important provisions that (inter alia) limit our liability to you and which may not be varied unless such variation is agreed in writing and signed on behalf of Corbridges Limited.
5. In the event of a conflict between these Terms and those contained in our Letter of Engagement then the provisions contained in our Letter of Engagement shall prevail.
6. The contract under which our services are provided and any work is undertaken is with Corbridges Limited and not with any individual director, shareholder, employee, consultant and/or agent of Corbridges Limited.
Legal Status
1. Corbridges Advocates is the trading name of Corbridges Limited.
2. Corbridges Limited is a Limited Company and has a legal personality of its own and as such can sue and be sued in its own name.
Company and VAT information
1. Our Registered Office is situate at Chancery House, 2 Albert Street, Douglas, Isle of Man, IM1 2QA.
2. Our company number is 022035V.
3. Our VAT number is 001 1565 38.
Professional Rules
1. We are authorised and regulated by and carry on business subject to the rules of the Isle of Man Law Society.
2. The Financial Services Authority also has regulatory functions which affect ourselves.
Our Aim
1. We aim to offer our clients quality legal advice with a personal service at a fair and reasonable cost.
Our Commitment
1. We Will:
  1. Represent your interests and keep your business confidential;
  2. Explain to you the legal work which may be required and, where relevant, the prospects of a successful outcome;
  3. Make sure that you understand the likely degree of financial risk which you will be taking on;
  4. Keep you regularly informed of progress or, if there is none, when you are next likely to hear from us;
  5. Try to avoid using technical legal language when writing to you;
  6. Deal with your queries promptly, for example, we will always try to return your telephone calls and emails within twenty-four hours.
Concerns About our Service
1. It is our intention as a firm to provide an excellent service and therefore we hope you will not have cause to complain about the service you receive.
2. In the unfortunate event that you do feel frustrated or dissatisfied with any aspect of our service and you feel that you cannot resolve the matter directly with the person dealing with your case or with his or her supervisor please put your complaint in writing and send it marked for the attention of the Complaints Manager, who will attempt to resolve the issues contained within your complaint.
3. A copy of our complaints handling policy as to how we will handle your complaint can be found on our website.
4. If after having exhausted our internal complaints procedure you continue to remain dissatisfied with our handling of your matter, you can refer your matter to the Isle of Man Law Society to consider the complaint.
5. You should not in any way feel intimidated at making a complaint. Experience shows that most problems can very soon be remedied, especially when we are informed of the complaint as soon as it arises.
Our Hours of Business
1. The normal hours of business are between 10.00am and 12.30pm and 2.00pm to 4.00pm Monday to Friday by appointment only. Messages can be left on the answer phone outside those hours and appointments in the case of an emergency can be arranged at other times when this is essential at a pre-agreed cost.
Our Relationship with You
1. Our advice is provided solely to you, as the client and for the purposes of this matter. Without our prior written consent, our advice may not be used for any purpose other than the one for which it was given. You may not refer to our advice in any public document or communication without our written consent. Our duty of care is to you only and to no other party. No third parties shall have the right to rely on or enforce any of the Terms or any of the terms and conditions contained mentioned or referred to in our Letter of Engagement under the Contract (Rights of Third Parties) Act 2001 or otherwise.
2. We may act for and provide advice to more than one person or organisation jointly in relation to the same matter. In such a case, we are acting for all of you, collectively. We may sometimes need to take instructions from one of you on behalf of the other, for example, because it is more convenient for one of you to deal with us, or because the matter needs to be dealt with quickly and you authorise us to do this without needing to confirm those instructions with all of you.
3. If you instruct us on behalf of a company, corporation or other corporate body, whether as a director, officer or otherwise, your instructions to us shall amount to a warranty by you that you are duly authorised to give such instructions. If such warranty should be incorrect, and your instructions to us are not ratified by the company, corporation or other corporate body, you shall be deemed for all purposes to be our Client and liable to us as such for all purposes including but not limited to any costs, fees or disbursements incurred by ourselves on behalf of the company, corporation or other corporate body.
Scope of our Advice
1. The scope of our advice is set out in our Letter of Engagement.
2. We do not give financial advice, investment advice or advice on taxation or in relation to any of the personal, commercial and/or financial aspects of this matter.
3. If in our reasonable opinion we believe, based on the information you provided, that you require investment advice or advice in relation to tax and/or any of the personal, commercial and/or financial aspects of this matter we shall advise you to seek such advice from a suitably qualified professional of your choice. We will not for the avoidance of doubt accept any liability however in respect of any such advice tendered to you by that adviser.
4. We can only advise on the law in the Isle of Man. If you require advice on the law of any other jurisdiction then we may, with your permission, either seek advice from, or refer you to, a suitably qualified legal adviser in the relevant jurisdiction.
5. We will not accept any liability for any failure on our behalf to advise you or to comment on any matter which falls outside the scope and/or limitation of our instructions and retainer nor shall we be obligated to update any advice and/or to clarify and/or amplify any changes in the law which takes place after our advice has been given.
Intellectual Property
1. We retain all copyright and other intellectual property rights in respect of everything developed or prepared by us either before or during the course of our retainer relating to you including all reports, letters, documents, precedents, written advice and/or other materials we provide to you.
Keeping you Informed
1. During the transaction we may send you copy documents by post and/or email. Please always read everything we send you carefully, keeping a central file for your own records and please don’t hesitate to raise any questions or problems you may have in writing in order that both parties have a file system that is contemporaneous. It is always useful to keep our letters so that you can refer to them in the future.
2. Where copy documents are sent to you by email we may not send hard copies unless you specifically ask us to do so.
Our Charges
1. Details of our charges are set out in our Letter of Engagement. We may agree to charge you on a fixed-fee basis or on a time basis. In the event that charges are to be made on a time basis we record time in six-minute units.
Payment of Invoices
1. Unless otherwise agreed and dependant upon the nature of the transaction, we will issue invoices regularly during the course of our retainer generally on a monthly basis.
2. Where applicable, our invoices will include VAT at the applicable rate. We may also need to issue invoices to cover disbursements during the course of our retainer.
3. Where such invoices are raised they are final invoices in respect of the work and/or disbursement(s) set out therein and such invoices shall not be deemed to be or otherwise treated as interim invoices.
4. We may sometimes ask you to make payments on account to cover fees and/or disbursements. If there are any difficulties or delays in making payments to us, you must let us know as soon as possible.
5. We will look to you for payment of our charges.
6. If a third party has agreed to be responsible for settling some or all of our fees and disbursements and this third party fails to make such payments to us, you will be directly responsible for settling any fees and disbursements due to us.
7. Unless otherwise stated by our Letter of Engagement payment is due promptly on delivery of our invoice and if it is not received within fourteen days of delivery of the invoice then we reserve the right to charge interest on the outstanding amount at the rate of eight per cent.
8. Where you have made a payment on account of fees or disbursements or where we are holding monies on your behalf for any purpose, we may without further reference to you deduct any sums owing to us from such monies before accounting to you for the balance.
9. Where we are acting for a corporate client, we may, as a condition to our providing legal services to you, require one or all of the directors or shareholders to guarantee the payment of any sums due to us by the corporate client by executing a personal guarantee. We may request this prior to commencing legal services or at any time during our retainer. If we receive notice of termination of any personal guarantee, we may (without being liable for loss) suspend our retainer until we are satisfied that any sums due to us will be paid and we may terminate our retainer by notice in writing.
10. In the event that our account remains outstanding for more than fourteen days or should any requested guarantee not be given on request we reserve the right without being responsible for any loss or damage to cease work on your behalf until such time as the outstanding account has been paid and/or the requested guarantee given.
Disputing our charges
1. You are entitled to dispute our charges.
2. In the event you dispute any of our charges you must, in the first instance, contact Ian C Corbridge within seven days of the receipt of the invoice in question, setting out in writing your reasons for the dispute.
3. Mr. Corbridge will then review your file as soon as possible and consult the relevant fee earner in order to assess whether the charges levied are, in all the circumstances, reasonable.
4. Following consideration of your dispute, if it is decided that our charges were in fact reasonable, the outstanding invoice together with any interest must be paid within seven days of you being notified in writing of our decision.
5. In the event you are dissatisfied with the outcome of our decision, you are entitled to object to our charges by making a complaint to the Secretary of the Isle of Man Law Society and/or by applying to the Secretary of the Isle of Man Law Society for an Assessment of our charges.
6. This provision constitutes notice of your right to seek an Assessment.
7. If any part our invoice remains unpaid during any period of dispute, complaint or court assessment, we reserve the right to charge interest of eight per cent, on the amount found to be payable by you for the duration of the dispute, complaint or court assessment from the date of delivery of the invoice until payment.
Lien for unpaid fees
1. We reserve the right, which right you hereby acknowledge, to exercise a Lien over all of your papers and documents pending payment in full of any outstanding fees and/or other costs, disbursements and/or expenses properly payable by you.
2. The issue of proceedings for the recovery of any amount due to us will not prevent us from exercising or continuing to exercise our Lien pending the outcome of those proceedings.
Evidence of identity and Money Laundering Regulations
1. Proof of Identity;
  1. In accordance with the Anti Money Laundering Legislation and Regulations current as at the date hereof and the Designated Business (Registration and Oversight) Act 2015 we are required to know our Client and to seek evidence of your identity, the identity of any beneficiaries or beneficial owners and sometimes of other people related to you and to make certain information and/or documentation available to our regulators on request.
  2. This legislation requires us to obtain (inter alia) proof of our clients name, address, date and place of birth, nationality and occupation. These requirements are mandatory under current legislation so please understand that the requirement for the provision of this information is quite normal not exceptional.
  3. In order to satisfy these legislative requirements we will require your close cooperation and we must apologise in advance for any inconvenience that this may cause.
  4. The latest Anti Money Laundering Code requires us to complete our due diligence requirements in relation to all business relationships prior to commencing work on your behalf.
  5. You authorise us to take such acts as we consider appropriate to comply therewith (including anti-money laundering disclosures) and agree that any (bona fide) action taken by us, or omission on our part pursuant thereto or in connection therewith shall not constitute a breach of this agreement or render ourselves, our servants or agents liable in respect thereto.
  6. You agree to and hereby indemnify us without limitations in respect of all liabilities arising in connection with such compliance.
2. We are also required to verify that information.
3. Verifying your ID
  1. On occasion we use certain online e-id verification systems. These systems assist us to verify your identity against various different data sources in line with anti-money laundering regulations.
  2. When we attempt to verify your identity the process may involve checking the details you supply against those held on a number of specific databases. The provider of these services have access to information from various agencies and organizations. A record of this process will be kept that may be used to help other companies to verify your identity. In some circumstances a footprint may be logged on your credit file. This is harmless information and will not affect your ability to gain credit. We may also pass such information to organisations involved in fraud protection in order to protect ourselves and other customers from theft and fraud.
  3. If you supply false or inaccurate information and we suspect 2 fraud we will record this and share this with other organisations. By signing our Letter of Engagement you are consenting to us carrying out this online ID check.
4. Third Party Payments/Money Laundering Policy
  1. If we receive a payment from any person on your behalf, this will only be accepted if it is for a sum or sums not exceeding £1000 in total.
  2. The person dealing with your case will need to verify with you the source of any third party funds and we must reserve the right to reject payments which are not from you personally. Please be aware that this is due to regulations we must comply with.
  3. We are unable to make payments to third parties that are not associated with this transaction.
  4. It is our policy not to accept cash.
  5. If you circumvent this policy depositing cash direct with our bank we reserve the right to charge for any additional checks we deem necessary regarding the source of funds on a time basis.
Conflict of Interests
1. Advocates must endeavour to avoid situations of conflict and ensure that a client’s interests are not compromised.
2. We will advise you if we become aware that an issue of conflict exists. If you should be concerned about such an issue then please immediately refer your concern to Ian C Corbridge or another Director. We assure you that we will always act independently and in your best interests as our client.
3. In property matters, please note that we may be asked to act for you as a buyer and for your lender. We have a duty to both those duties could possible conflict in limited circumstances and exceptionally this could lead to us being unable to continue acting for either party. In particular please note that we have a duty to reveal to your lender all relevant facts about any proposed purchase or remortgage we are assisting with. This includes any differences between your mortgage application and information we receive during the transaction, as well as any cash back payments or discount schemes that the seller may be giving to you.
4. Money Laundering Regulations can also give rise to matters of conflict and leads to us being unable to continue acting in some exceptional circumstances.
Electronic Communications
1. You hereby authorise us to communicate with you by unencrypted electronic mail and agree that we shall have no liability for any loss or damage incurred by you by reason of the use of electronic mail (whether arising from viruses or otherwise) and that you hereby release us from such liability. We shall not be liable for any loss of damage caused by the transmissions by us of an infected email. As email is not a confidential means of communication you accept the risk that the content of such communications may become known to others. You should be aware of the following communications over the internet are not secure. If you have any concerns you must guide us as to what should not be sent over the internet to you on your behalf.
2. Emails do not always reach the intended recipient. We can not guarantee that every email sent and received will reach the end user.
3. Whilst we take reasonable proportions against viruses by the use of a firewall and virus checking software we do not guarantee that our email correspondences will be free from viruses if we are to communicate by email it is on the basis that you will also take reasonable precautions to prevent such viruses or other harmful devices.
4. We monitor email traffic from time to time to detect unauthorised or illegal use email system. As a result we may collect personal data about those sending and/or receiving the email or which is contained in the email. Any personal data collected in this way will be held and processed in accordance with the provisions of the Data Protection Act.
5. Due to the fact that WhatsApp and Texts cannot be properly monitored, stored or recorded they are not acceptable as a mode of communication, information or instruction and no liability will be accepted for any loss or damage incurred as a result of such communications being sent by you to any director or other member of staff having the care and conduct of the matter the subject of this Retainer.
Banking and Clients Account
1. Due to the ever-changing economic climate and the risks faced by banks and/or other financial institutions of every description the Law Society has issued guidance to all Advocates requiring them to make their position clear in the event of a bank failure or other financial institution. Corbridges, its directors, employees, servants or agents will not accept any liability for any loss or damage suffered by you which may occur by reason of the default or failure for any reason whatsoever of the bank and/or any other financial institution for any monies held in our Clients Account or with which we have made deposits on your behalf. You hereby agree to hold Corbridges and each of its directors, employees, servants or agents harmless in respect of the banks or the financial institutions failure to pay. You agree the terms of this exclusion of liability and irrevocably acknowledge its reasonableness.
2. Our Client Account is currently maintained at a major international bank. In the unlikely event that the bank collapses you may be entitled to compensation under the Government Compensation Scheme.
3. Some banks or deposit taking institutions have more than one brand (i.e. where the institution is trading under different names) and you are advised to check with your own bank or an Independent Financial Adviser for more information with regard to the operation and/or extent of the Government Compensation Scheme in the event you have more than one account.
4. During the course of this transaction we may have occasion to supply you with details of our Clients Account. You may only use this information for the sole purpose for which it was supplied and for no other reason. Our Client Account details must not be given to anyone save for your bankers without our prior written consent.
Interest
1. The Law Society Accounts Rules apply.
2. Where we hold money in a separate designated client account (for example where large sums of money are held in respect of probate matters) we will account to you for all interest earned, although we reserve the right to charge for the time spent calculating that interest and providing a certificate of interest.
3. Where money is held in a general client account (for example, where money is held routinely during the course of a property transaction) if you so wish we can account to you for a sum in lieu of the interest earned. The interest will be calculated at the rate in effect from time to time, however, we reserve the right to charge for the time spent calculating the interest and providing a certificate of interest. Please let us know, therefore, if you would like to receive interest on your money. We would, however, point out that we are not required to pay a sum in lieu of interest where the sum is less than £20.
Confidentiality
1. 1. We place great emphasis on maintaining the highest levels of Client confidentiality.
  2. Information received in relation to your business will be treated as confidential.
  3. By your acceptance of our Terms you agree that we may disclose to other persons involved in your transaction such information we consider needs to be provided or discussed for purposes essential to the proper conduct of your transaction. Subject to this we shall not disclose information to any other party without your consent unless required by law to do so.
2. Whilst we are professionally and legally obliged to keep your affairs confidential, this obligation is however subject to certain statutory exemptions and/or regulations for example Anti Money Laundering Regulations and the Designated Business (Registration and Oversight) Act 2015 require us to make certain information and/or documentation available for inspection by our regulators.
3. 1. We are required to report to the Isle of Man Financial Crime Unit, the National Criminal Intelligence Service and Serious Organised Crime Agency any knowledge or suspicion that a person is engaged in (inter alia) money laundering and/or terrorist financing where the information was acquired during the course of our business.
  2. Providing we act in good faith and in accordance with the law, we will not be liable for any loss to you arising from the making of such report or should it become necessary from the termination of your retainer with us.
4. 1. As part of our commitment to providing our clients with a quality assured service, some of our files are randomly selected and are independently audited pursuant to our Rules of Professional Conduct and/or the Designated Business (Registration and Oversight) Act 2015 by the Law Society and/or the Financial Services Authority.
  2. In the event that we are requested as part of an such independent audit to produce information and/ or documentation which we consider to be the subject of legal professional privilege (which privilege is yours to waive) we will first inform you of the request, tender to you the appropriate legal advice and seek your instructions in relation to waiver.
  3. In the event that a dispute arises as part of any independent audit with regard to the production of any such information and/or documentation we will advise you of your right to seek directions from the court.
5. We can give no guarantee regarding the confidentiality,security or otherwise of email or fax communications which we sometimes use to speed the handling of your transaction.
Data Protection
1. We use the information you provide or which we obtain primarily for the provision of legal services to you and for related purposes including but not limited to:
  1. Updating and enhancing client records;
  2. Analysis to help us manage our practice;
  3. Statutory returns;
  4. Legal and regulatory compliance;
  5. Fraud Prevention;
  6. Financial Standing.
2. Our use of that information is subject to your instructions, the Data Protection Act and our duty confidentiality.
3. Our work for you may require us to give information to third parties such as expert witnesses and other professional advisers under the Data Protection Act.
4. You have the right upon payment of the fee to obtain copies or to access the personal data that we hold about you.
5. We may from time to time send you information which we think might be of interest to you. If you do not wish to receive that information, please notify our office in writing.
Professional Indemnity Insurance & Limitation on Liability
1. Your Agreement is with Corbridges Limited alone and no director or other officer of the company, shareholder, employee or consultant assumes or will assume any personal liability for the conduct of the work you instruct us to carry out.
2. To the extent permitted by law no director or other officer, shareholder, employee or consultant at Corbridges Limited shall have any personal liability.
3. We will provide legal services to you with reasonable skill and care and acknowledge that we will be liable to you for losses, damages, costs or expenses ("losses") which are determined to have been caused by our negligence, breach of contract or wilful default, in accordance with the limitations contained mentioned or referred to in our Professional Indemnity Insurance Policy which currently stands at 4 million pounds but which may vary from time to time.
4. Where you suffer any losses for which we are jointly and severally liable with any third party or third parties, the extent to which such losses shall be recoverable by you from us, as opposed to the third party, shall be limited so as to be in proportion to our contribution to the overall fault for such losses, as agreed between all of the parties, or in the absence of agreement, as finally determined by the Isle of Man Courts.
5. Corbridges its directors, officers, shareholders, employees and/or consultants shall not be liable for any loss, damage, costs or expense arising in any way from or in connection with fraudulent acts or omissions, misrepresentation or wilful default on the part of our client or our Clients, directors, shareholders, employees, consultants and/or agents or the person, company, (its directors, officers, shareholders, employees, consultants and/or agents) institution or their legal representative acting on the other side of this transaction.
6. We do not accept liability to any person who is not our Client.
7. Where we are instructed jointly by more than one party this limit shall apply to all of you collectively and in total and also including anyone claiming through you.
8. You agree not to bring a claim against any of our employees personally. This clause shall not exclude or limit the liability of the Company or its directors for the acts or omissions of its employees performed under the Company’s supervision or within the scope of the employee’s contract of employment with the company. The company enters into this clause for itself and as agent and trustee for each employee and the company has an absolute discretion as to the enforcement of this clause on behalf of its employees.
9. Proceedings in respect of any claim must be commenced within 3 years after you first had (or ought reasonably to have had) both the knowledge for bringing an action for damages and the knowledge that you had a right to bring such an action in any event no later than six years after the alleged breach of contract, negligence or any other cause of action. This provision expressly overrides any statutory provision which would otherwise apply, it will not increase the time within which proceedings may be commenced and may reduce it.
10. We shall not be liable for any loss arising from or connected with our compliance with any statutory obligation which we may have or reasonably believe we may have to report certain matters to the relevant authorities under the provisions of the Anti Money Laundering and Countering the Financing of Terrorism Legislation or in accordance with other statutory local and/or international reporting requirements.
11. We believe the limitations in respect of our liability set out in this section are reasonable having regard to the circumstances of the transaction, the availability and costs of professional indemnity insurance, possible changes in the future availability and costs of professional indemnity insurance.
12. We are content to discuss the limits of liability with you and professional indemnity cover and if appropriate consider whether we are able to provide a higher limit at an additional cost for your account.
13. These time limits apply to the extent that are permitted by law.
14. If any part of this section of our Terms which seeks to limit liability is found by a court to be void or ineffective on the grounds that it is unreasonable or does not accord with any professional obligation the remaining provisions shall continue to be effective.
15. You and we agree to submit to small claims arbitration in respect of any dispute for £100,000 or less.
16. By accepting these terms and retaining us to act for you, you accept that in the event of our negligence, the amount of your claim is limited to the greater of £4,000,000 sterling or the upper limit of our professional indemnity insurance in force at the time of the claim.
Storage of Documents
1. Following payment of our fees and expenses, we may remove and destroy any duplicate documents and drafts.
2. All remaining documents (other than original documents which will be returned to you) will be retained in storage or copied onto such media as we decided from time to time at our absolute discretion.
3. The remaining documents or media will be stored for the period required by legislation at the expiration of which they will be destroyed without notice.
4. If we are given or asked to take custody of any documents or deeds belonging to you, those deeds or documents will be retained in our storage system and held to your order.
5. We will make every reasonable effort to keep the documents left with us safe and undamaged but we do not and cannot guarantee absolute safe custody and if this is required any deeds or documents should be deposited with your bank.
6. Our policy is to archive files and documents for the period required by legislation after which they are regarded as closed by us.
7. We accept no responsibility or liability for any loss or damage caused by our failure to retain such files and documents for any period after such closure and are irrevocably authorised by you to destroy the files and documents after such time.
8. If you wish to retain your papers then please ask for them.
9. Many papers on our file constitute our working files or emanate from yourself or record what has already been sent to you and as such belong to us and are not papers to which you are entitled.
10. The vast majority of our files are stored off site. Should you wish us to retrieve your file we reserve the right to charge a retrieval fee not exceeding £35 plus VAT.
Termination
1. You may terminate and withdraw instructions at any time. You will remain liable to pay us for our Professional fees for services rendered and disbursements incurred by us up to the date of termination.
2. We may also terminate our services at any time by notice in writing.
3. We reserve the right to suspend or terminate our retainer by notice in writing if;
  1. You do not comply with the terms of our Letter of Engagement or any of the Terms contained mentioned or referred to herein;
  2. We are unable to obtain clear and proper instructions, information or documentation from you in a timely fashion;
  3. A conflict of interests arises;
  4. We reasonably believe that the necessary relationship of mutual trust and confidence as between advocate and client no longer exists;
  5. We consider that we are permitted or obliged by law or good practice to terminate our retainer;
  6. A request for a payment on account and/or the provision of a guarantee has not been received within any time limits specified;
  7. Any invoice, which is due and payable, remains unpaid for fourteen days or more;
4. Where we suspend or terminate our retainer by reason of your failure to comply with the terms of our letter of engagement or any of the Terms contained mentioned or referred to herein we will not be liable to you for any loss or damage sustained.
5. In the event that you decide to transfer your matter to another solicitor, we reserve the right to charge a fee of between £25 and £75 plus VAT in respect of the administrative costs involved.
Variation
1. We may vary these Terms from time to time by reasonable notice in writing. Your acceptance of the provision of services after the date upon which notice is given shall be deemed to be an acceptance of the variation proposed
Applicable Law
1. The Terms contained herein and in our Letter of Engagement are governed by and construed in accordance with the laws in the Isle of Man.
2. Each of us irrevocably submits to the exclusive jurisdiction of the Courts in the Isle of Man.
Further Information
1. If you require further information or clarification regarding these Terms and Conditions please contact Ian C Corbridge.