The 'MPW Risk Solutions' Web Site is comprised of various Web sites and Web pages operated by MPW Risk Solutions or its affiliates (collectively, the "MPW Risk Solutions Web Sites").

The MPW Risk Solutions Web Sites are offered to you conditional on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the MPW Risk Solutions Web Sites constitutes your agreement to all such terms, conditions, and notices.

In the event that any of the terms, conditions, and notices contained herein conflict with other terms and guidelines contained within any particular MPW Risk Solutions Web Site, then these terms shall control.

PRIVACY AND PROTECTION OF PERSONAL INFORMATION

See the Privacy Statement

MEMBER ACCOUNT, PASSWORD, AND SECURITY

www.MPW Risk Solutionsinsuresafe.co.uk requires you to open an account to do so you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You then choose a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify MPW Risk Solutions Ltd immediately of any unauthorized use of your account or any other breach of security. MPW Risk Solutions will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by MPW Risk Solutions or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.

MODIFICATION OF THESE TERMS OF USE

MPW Risk Solutions reserves the right to change the terms, conditions, and notices under which the MPW Risk Solutions Sites/Services are offered, including but not limited to the charges associated with the use of the MPW Risk Solutions Sites/Services. You are responsible for regularly reviewing these terms and conditions and additional terms posted on particular websites. Your continued use of the MPW Risk Solutions Sites/Services constitutes your agreement to all such terms, conditions, and notices.

PERSONAL AND NON-COMMERCIAL USE LIMITATION

Unless otherwise specified, the MPW Risk Solutions Sites/Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the MPW Risk Solutions Sites/Services.

LINKS TO THIRD PARTY SITES

The MPW Risk Solutions Sites/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of MPW Risk Solutions and MPW Risk Solutions is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. MPW Risk Solutions is not responsible for web casting or any other form of transmission received from any Linked Site nor is MPW Risk Solutions responsible if the Linked Site is not working appropriately. MPW Risk Solutions is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by MPW Risk Solutions of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.

Any dealings with third parties (including advertisers) included within the MPW Risk Solutions Sites/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. MPW Risk Solutions shall not be responsible or liable for any part of any such dealings or promotions.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the MPW Risk Solutions Sites/Services, you will not use the MPW Risk Solutions Sites/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the MPW Risk Solutions Sites/Services in any manner, which could damage, disable, overburden, or impair any MPW Risk Solutions Site/Service(s) (or the network(s) connected to any MPW Risk Solutions Site/Service(s)) or interfere with any other party's use and enjoyment of any MPW Risk Solutions Site/Service(s). You may not attempt to gain unauthorized access to any MPW Risk Solutions Site/Service, other accounts, computer systems or networks connected to any MPW Risk Solutions Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the MPW Risk Solutions Sites/Services.

USE OF SERVICES

The MPW Risk Solutions Sites/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Use the Communication Service in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents to do the same.
• Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines, which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses.
• Violate any applicable laws or regulations. Create a false identity for the purpose of misleading others.
• Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of a MPW Risk Solutions Site/Service(s) or other user or usage information or any portion thereof.

MPW Risk Solutions has no obligation to monitor the Communication Services.

However, MPW Risk Solutions reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. MPW Risk Solutions reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever.
MPW Risk Solutions reserves the right at all times to disclose any information as MPW Risk Solutions deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in MPW Risk Solutions's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. MPW Risk Solutions does not control or endorse the content, messages or information found in any Communication Service and, therefore, MPW Risk Solutions specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized MPW Risk Solutions spokespersons, and their views do not necessarily reflect those of MPW Risk Solutions.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination; you are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO MPW Risk Solutions OR POSTED AT ANY MPW Risk Solutions WEB SITE

MPW Risk Solutions does not claim ownership of the materials you provide to MPW Risk Solutions (including feedback and suggestions) or post, upload, input or submit to any MPW Risk Solutions Site/Service or its associated services for review by the general public (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting MPW Risk Solutions, its affiliated companies and necessary sub licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. MPW Risk Solutions is under no obligation to post or use any Submission you may provide and MPW Risk Solutions may remove any Submission at any time in its sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

SOFTWARE AND CONTENT AVAILABLE THROUGH THE MPW Risk Solutions SITES/SERVICES
All content and software (if any) that is made available to view and/or download in connection with the MPW Risk Solutions Sites/Services, excluding content and/or software that may be made available by end-users through a Communication Service ("Software") is owned by and is the copyrighted work of MPW Risk Solutions Corporation and/or its suppliers and is protected by copyright laws and international treaty proMPW Risk Solutionss. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

For any Software not accompanied by a license agreement, MPW Risk Solutions Corporation hereby grants to you, the user, a revocable personal, non-transferable license to use the Software for viewing and otherwise using the particular MPW Risk Solutions Site/Service in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Any reproduction or redistribution of the content and/or Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Without limiting the foregoing, copying or reproduction of the content or software to any other server or location for further reproduction or redistribution is expressly prohibited.

LIABILITY DISCLAIMER

The information, software, products, and services included in or available through the MPW Risk Solutions sites/services may include inaccuracies or typographical errors. Changes are periodically made to the MPW Risk Solutions sites/services and to the information therein. MPW Risk Solutions and/or its respective suppliers may make improvements and/or changes in the MPW Risk Solutions sites/services at any time. Advice received via the MPW Risk Solutions sites/services should not be relied upon for personal, medical, and legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

MPW Risk Solutions limited and/or its respective suppliers make no representations about the suitability, reliability, availability, timeliness, lack of viruses or other harmful components and accuracy of the information, software, products, services and related graphics contained within the MPW Risk Solutions sites/services for any purpose.

All such information, software, products, services and related graphics are provided "as is" without warranty of any kind. MPW Risk Solutions and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and non-infringement.

You specifically agree that MPW Risk Solutions shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through an MPW Risk Solutions site/service. You specifically agree that MPW Risk Solutions is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another's rights, including intellectual property rights. You specifically agree that MPW Risk Solutions is not responsible for any content sent using and/or included in a MPW Risk Solutions site/service by any third party.

In no event shall MPW Risk Solutions and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the MPW Risk Solutions sites/services, with the delay or inability to use the MPW Risk Solutions sites/services or related services, the proMPW Risk Solutions of or failure to provide services, or for any information, software, products, services and related graphics obtained through the MPW Risk Solutions sites/services, or otherwise arising out of the use of the MPW Risk Solutions sites/services, whether based on contract, tort, negligence, strict liability or otherwise, even if MPW Risk Solutions or any of its suppliers has been advised of the possibility of damages. If you are dissatisfied with any portion of the MPW Risk Solutions sites/services, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the MPW Risk Solutions sites/services.

GENERAL TERMS REGARDING USE AND STORAGE

You agree that MPW Risk Solutions may establish limits concerning use of any service offered on an MPW Risk Solutions Website, including without limitation, the maximum number of days that e-mail messages will be retained by the service, the maximum number of e-mail messages that may be sent from or received by an account on the service, the maximum size of an e-mail message that may be sent from or received by an account on the service, the maximum disk space that will be allotted on MPW Risk Solutions's servers on your behalf, and the maximum number of times and duration you may access the service in a given period of time.

You agree that MPW Risk Solutions has no responsibility or liability for the deletion, corruption or failure to store any messages or other content maintained or transmitted by the service. You acknowledge that MPW Risk Solutions reserves the right to delete accounts that are inactive for an extended period of time.

MPW Risk Solutions Ltd makes no warranty that any service will be uninterrupted, timely, secure or error-free.

SERVICE CONTACT: webmaster@MPW Risk Solutions.co.uk

TERMINATION/ACCESS RESTRICTION

MPW Risk Solutions reserves the right, in its sole discretion, to terminate your access to any or all MPW Risk Solutions Sites/Services and the related services or any portion thereof at any time, without notice.

MPW Risk Solutions shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

NO SPAM; DAMAGES
MPW Risk Solutions will immediately terminate any account, which it believes, in its sole discretion, is transmitting or is otherwise connected with any Spam or other unsolicited bulk email. In addition, because damages are often difficult to quantify, if actual damages cannot be reasonably calculated then you agree to pay MPW Risk Solutions liquidated damages of £10.00 (Sterling) for each piece of Spam or unsolicited bulk email transmitted from or otherwise connected with your account, otherwise you agree to pay MPW Risk Solutions's actual damages, to the extent such actual damages can be reasonably calculated.

LANGUAGE

It is the express will of the parties that this agreement and all related documents have been drawn up in English.

GENERAL

The laws of the United Kingdom govern this agreement. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in United Kingdom in all disputes arising out of or relating to the use of the MPW Risk Solutions Sites/Services.

Use of the MPW Risk Solutions Sites/Services is unauthorized in any jurisdiction that does not give effect to all proMPW Risk Solutionss of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and MPW Risk Solutions as a result of this agreement or use of the MPW Risk Solutions Sites/Services. You agree to indemnify and hold MPW Risk Solutions, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable legal fees, asserted by any third party due to or arising out of your use of or conduct on the MPW Risk Solutions Sites/Services. MPW Risk Solutions reserves the right to disclose any personal information about you or your use of the MPW Risk Solutions Sites/Services, including its contents, without your prior permission if MPW Risk Solutions has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of MPW Risk Solutions or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. MPW Risk Solutions's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of MPW Risk Solutions's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the MPW Risk Solutions Sites/Services or information provided to or gathered by MPW Risk Solutions with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable proMPW Risk Solutions will be deemed superseded by a valid, enforceable proMPW Risk Solutions that most closely matches the intent of the original proMPW Risk Solutions and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and MPW Risk Solutions with respect to the MPW Risk Solutions Sites/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and MPW Risk Solutions with respect to the MPW Risk Solutions Sites/Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the MPW Risk Solutions Web Sites are: Copyright of MPW Risk Solutions and/or its suppliers. All rights reserved.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

ADDITIONAL TERMS

Subscription-Based Content. Some contents and/or services on MPW Risk Solutions may be offered to you conditional on your purchase of a subscription. If you elect to purchase subscription-based content/services and transmit to MPW Risk Solutions a subscription purchase request, you warrant that all information that you submit is true and accurate (including without limitation your credit card number and expiration date), and you agree to pay all subscription fees you incur plus all applicable taxes. If you have purchased an automatically renewing subscription, you will not be charged the monthly subscription fee after three months notice of cancellataion (but there are no refunds of subscription fees previously paid). No cancellation of access to free content and/or services or to non-renewing subscriptions is required. Your subscription is personal to you and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and in additional charges based on unauthorized use.

FEES; PAYMENT

MPW Risk Solutions reserves the right to charge listing fees for certain listings, as well as transaction fees based on certain completed transactions using the Services. MPW Risk Solutions further reserves the right to alter any and all fees from time to time, without notice.

You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of the Services.