LEGAL

Variation of content
St Mark reserves the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content which appears on any page of this site, including any terms and conditions. Any changes to these terms and conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised conditions.

Data protection
St Mark complies with its obligations under the Data Protection Act 1998 relating to the holding of personal data. Where we hold data about you we will only use this for the purposes you have agreed to.

Privacy statement
We treat all the information provided by you with the utmost care and security. Any details you give will remain confidential and will only be disclosed where disclosure is made at your request, with your consent or where we are legally obliged to do so.

The information collected by us will be used only for the purposes stated by us and agreed by you. Where we use your personal details to send you information about other products and services, we will give you the opportunity to tell us that you do not want it to be used.

Links to other sites
The links to other sites on the Internet are purely to allow you access to more information on related topics. St Mark does not necessarily own or control such sites and so accepts no responsibility for information contained in any such other sites or for the fact that such sites may not be available at all times. Please note that when accessing another site by way of a hypertext link you will leave the St Mark site.

Disclaimer
Whilst St Mark has taken all reasonable steps to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant legislation and regulations, no warranty is given and no representation is made regarding the accuracy of or completeness of the content of this site. Consequently, St Mark accepts no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that this site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of changes made to the content of this site by unauthorised third parties.

You acknowledge that you are solely responsible for the use to which you put this site and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

Nothing in these terms and conditions shall exclude, limit or restrict St Mark's duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

Copyright and trade marks

Copyright in the pages of this site, in the screen displaying the pages and in the information, texts, graphics and material contained therein and their arrangement is owned by St Mark, unless otherwise stated.

All trade marks, service marks, company names or logos are the property of their respective holders and no permission is given by St Mark in respect of the use of any such trade marks, service marks, company names or logos and such use may constitute an infringement of the holders' rights.

You may store, manipulate, analyse, reformat, print and display the content of this site solely for your own personal use. Any other use of materials on this site is strictly prohibited. In no event are you permitted to publish, re-transmit, re-distribute or otherwise reproduce any of the content that appears on any page of this site in any format to anyone, and you are prohibited from using any such content in connection with any business or commercial enterprise.

Invalidity
If any part of our terms and conditions is unenforceable (including any provisions in which we exclude our liability to you) the enforceability of any other part of the terms and conditions will not be affected.

Residence
The pages of this site are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only. Unless otherwise stated, all of the products are only available to applicants ordinarily resident in the United Kingdom and aged 18 years or over.

Governing law
By accessing these pages you agree to be bound by these terms and conditions. They shall be governed by and interpreted in accordance with the laws of England and Wales and the English courts shall have jurisdiction to resolve any disputes between us.