Terms and conditions.

These terms apply to the Lloyds TSB Enterprise Award Scheme held between 13 November 2011 and 13 March 2012 (the "Award Scheme").

Introduction

What is the Award Scheme?

It's a scheme run by us in association with the National Association of College and University Entrepreneurs ("NACUE") which recognises and supports emerging businesses in England, Scotland and Wales.

What do these terms apply to?

If you enter the Award Scheme, these terms apply to your participation and set out how we'll use information you provide. If you enter, you accept these terms.

Are there other terms I need to be aware of when entering?

Yes. As you're using our website to enter you'll also need to have read and agree to our website terms of use and privacy policy.

What awards are there?

There are two award categories- "Best Enterprise" and "Best Start-Up". These will be awarded at each of the eight local heats and at the grand final.

What is our definition of "Best Enterprise"?

A sole trader, partnership or limited liability business which in our opinion:

1. demonstrates a robust business plan and sound financials;
2. is innovative in terms of product or service or route to market, or way of running its business;
3. identified a genuine business opportunity and need for its product or service;
4. is professional and credible;
5. shows real potential to grow successfully over the next 5 years and to become a recognised small medium enterprise within its respective sector; and
6. is an inspiration to its peers and other would-be students and graduate entrepreneurs of the future.

What is our definition of "Best Start-Up"?

A sole trader, partnership or limited liability business which in our opinion:

1. demonstrates a developed and well thought through business plan and an understanding of financials;
2. identified an opportunity and seized the moment;
3. is credible;
4. has the potential to grow and become profitable; and
5. is an inspiration to other would-be students and graduates who dream of setting up their own business and becoming their own boss.

Eligibility and entry

How do I enter?

Complete the online entry form. By entering you confirm that information you provide is correct and accurate.

Can I enter by post?

You can only enter using the online entry form.

Who can enter?

To enter:

• you must be aged 18 or over; and
• you must either be studying at, or have graduated no more than five years ago (since November 2006) from, a University in England, Wales or Scotland; and
• you must be an owner and founder or co-founder of an Enterprise or Start-Up business registered in England, Wales or Scotland that has been trading continually for more than one year; and
• you must not work for any company in our group (nor can anyone else who directly or indirectly owns all or part of your business). Our group includes Lloyds TSB, Halifax and Bank of Scotland. More information can be found at www.lloydsbankinggroup.com; and
• your business must not be a listed company (whether a plc, AIM or otherwise); and
• you, your business, your co-founders or co-owners (if any) must not have been disqualified as a director, barred from owning or managing a company, or involved in or convicted of any fraudulent or criminal activity, or been made or declared bankrupt.

When can I enter?

You can enter between 00:01 on Sunday 13 November 2011 and 23:59 on Monday 30 January 2012. Entries received outside this period won't be accepted. We're not responsible if you're unable to enter for any reason (including if our website is unavailable for any period) or if your entry is lost or not received by us.

How many times can a business be entered?

Once. If a business is entered more than once, we'll only count its first entry. We reserve the right to disqualify multiple or fraudulent entries.

As an individual you may enter more than once with different businesses (provided that in each instance you and the relevant business meet the eligibility criteria).

Do all owners of my business have to attend, or have graduated from, University?

No. Only the owner and founder (or co-founder) completing the entry form on behalf of the business needs to meet the entry criteria.

I understand the Award Scheme will have eight heats - where are they?

The eight local heats will be held in: Wales, Yorkshire and North East, Midlands, South West, South East, North West, East England and Scotland. Each area will have its own event.

Further information on the boundaries of these local heats can be found at www.lloydstsb.com/enterpriseawards.

Which area heat will my business be entered into?

Your business will be entered into the local heat which covers the postcode of the business' address you provided on your entry form.

Further information on the boundaries of the eight local heats can be found at www.lloydstsb.com/enterpriseawards.

The financial information you've requested is sensitive. Do I have to provide it?

All parts of the entry form must be completed. The financial details are an important part of the information you provide and will be used as part of the judging process by us, NACUE and the judging panels.

If you don't provide the information requested then we won't accept your entry and it'll be excluded from the Award Scheme. We'll have no further liability to you.

By entering the Award Scheme you acknowledge that you'll be required to provide audited/managed accounts (being accounts audited and managed by a registered accountant or book keeper).

I completed the entry form and you've now asked me for further information - do I have to provide it?

We may request further information (such as audited/managed accounts, financial details, proof of age, education, residency or of other eligibility criteria) after you've entered to enable us to better understand your entry, your business, your co-owners, or to verify any other aspect of your entry. Any audited or managed accounts we request must have been audited and managed by a registered accountant or book keeper.

If you don't provide this information, or if we can't verify any aspect of your entry within a reasonable time, we reserve the right to exclude your entry from the Award Scheme. We'll have no further liability to you if we do so.

I completed the entry form and you've now said that a Lloyds TSB Relationship Manager needs to inspect my business - do I have to let them?

We reserve the right to require a representative of us (a Lloyds TSB Relationship Manager) to inspect your business (this could be in order to better understand its background, the way it operates, your product or service, or to help verify any other aspect of your entry).

If you don't allow this inspection (where we require it), or if we can't otherwise verify any aspect of your entry within a reasonable time, we reserve the right to exclude your entry from the Award Scheme. We'll have no further liability to you if we do so.

Can you exclude an entry?

Yes. We may exclude an entry at any time (e.g. if it is incomplete, if we're unable to verify an aspect of it, if you (or your co-owners, co-founders or business) don't meet any of the entry criteria, if you use false names/addresses (whether for you or your business), if additional information isn't provided, we can't inspect your business, or if your business doesn't attend an event). We may also exclude entries where we reasonably believe that the entrant, the business or any aspect of the entry has or may bring us, our group and/or the Award Scheme into disrepute.

Where we exclude an entry, we'll have no further liability to the entrant or its business.

Charges

Do you charge businesses to enter?

No, we don't charge.

Can I reclaim any costs I incur in participating in the Award Scheme?

Except as set out below, no. We describe below some expenses we may cover, but otherwise any costs you or your business incur in participating in the Award Scheme or attending any events aren't covered by us, and you'll be responsible for all such expenditure (including travel, accommodation, living and sundry expenses).

Do you provide food and refreshments at the Award Scheme events?

Yes. We'll provide food and refreshments for you and any permitted guests at the relevant heat and national Award Scheme events.

Do you provide accommodation at the Award Scheme events?

We don't provide accommodation at the local heat events. However, if your business wins an award at one of the local heats and we invite you to attend the grand final event then, depending on your location and that of the grand final event, we may offer you accommodation on the night of the national event for you (the person completing the entry form) and up to 2 other representatives of your business. Where we do so, we'll let you know further details at the time.

Judging panel and selction processes

What is the selection process for the eight area events?

Stage 1

We will review all entries and create a shortlist of up to 10 businesses for the awards in each of the eight local heats. A maximum of 80 businesses will be shortlisted in the Award Scheme at this stage.

Stage 2

The shortlisted businesses will be announced in the Sunday Telegraph and on the Award Scheme website at www.lloydstsb.com/enterpriseawards on Sunday 5 February 2012. We'll then contact the shortlisted businesses. If we're unable to contact a shortlisted entrant by 5pm on Wednesday 8 February 2012 having used reasonable efforts to do so, their entry will be removed from the shortlist without any liability to us. Another business will be shortlisted to replace it. As a result please ensure that you are contactable during this period using the details you provided to us.

Stage 3:

The shortlisted businesses will be invited to attend their relevant local heat event where they'll be required to make a short presentation of 2 minutes to the judging panel followed by a question and answer session. They may bring along their product or a visual of their product provided that it can be carried onto the stage by one person.

Stage 4:

The judging panel will announce their two heat winners at the relevant event later that same day.

What is the selection process for the national event?

Stage 1:

The sixteen local heat winners will be invited to attend the national event where they'll each be required to make a short presentation of two minutes to the judging panel followed by a question and answer session. They may bring along their product or a visual of their product provided that it can be carried onto the stage by one person.

Stage 2:

The judging panel will announce the grand final winners of Best Start-Up and Best Enterprise at the grand final event later that same day.

How will my entry be judged?

We'll judge your entry using the information you provide on your entry form, any further information that we collect from you or third parties, your presentation(s), and the question and answer session(s) with the judging panel.

Who are the judges?

Each heat and grand final event will have its own judging panels. The judging panels will consist of representatives from a variety of sectors (for example, government, media, industry bodies, Lloyds Banking Group and local entrepreneurs).

Events

Do I have to attend the events?

Yes. They form an important part of the judging process (e.g. the presentations and question and answer sessions). If you don't attend the relevant event your entry and business will be excluded from the Award Scheme and will not be eligible to receive an award. In such circumstances, we'll have no further liability to you.

Who can attend the events?

If you're shortlisted for a local heat award, you may bring 1 other representative of your business to the event. If your business wins a local heat award, you may bring two representatives of your business to the national event.

Awards and prizes

How many award winners will there be?

There are eighteen awards in total - sixteen 16 local heat and two grand final. Grand final winners will have won their local heat award so there will be a total of sixteen winning businesses in all.

What are the area prizes?

The prizes for the local heat winning businesses are:

• "Best Start-Up" - £1,000 cash prize
• "Best Enterprise" - £5,000 cash prize

Each winning business will also receive mentoring from a local senior Lloyds TSB employee and will be entered for the national awards.

What are the national prizes?

The prizes given to a national winning business will be dependent on the prize it won at the local heat event. The maximum amount that a business can win across both the local heat and grand final awards is:

• "Best Start-Up" - £10,000
• "Best Enterprise" - £50,000

The amount received at a national level will therefore reflect the above figure less any cash prize won at a local heat event.

The two grand final winning businesses will also receive a two hour mentoring session with an executive Lloyds TSB employee.

Can a business win both the "Best Start Up" and "Best Enterprise" awards?

You can't win both awards at a single event (i.e. local heat or grand final). However, at the grand final event, local heat:

• Best Start-Up winners will be considered for both the national Best Start-Up and Best Enterprise awards.
• Best Enterprise winners will be considered for the national Best Enterprise award only.

How will I know if my business has won?

The winners will be announced at the relevant event. Details of winners will also be published through various media channels (including the Sunday Telegraph and www.lloydstsb.com/enterpriseawards.

How will the area cash prizes be paid to winning businesses?

Prize money will be paid by way of a cheque made payable to the winning businesses. Cheques will be given to representatives of the winners at the national event.

How will the national cash prizes be paid to the winning businesses?

Prize money will be paid into a Lloyds TSB business account in the name of the winning business. If you're business doesn't already have such an account with us, we'll open one using the information you provided (subject to successful credit check(s)).

The prize money for the national "Best Enterprise" award will be paid in three instalments: 20% within three working days of the national event; 40% within three months of the national event; and 40% within twelve months of the national event. The winning business will need to apply to us for release of the latter two instalments (and we reserve the right to require satisfactory information regarding the proposed use of these funds before releasing them (failure to provide which could delay or prevent their release).

Are there any restrictions on what I can do with the prize money?

Yes. All prize money must be re-invested into the winning businesses (e.g. in a marketing campaign, to purchase new vehicles or office equipment for the business) and must not be used for personal use or gain.

Awards are personal to the winning businesses and aren't transferable.

Are there any alternative prizes available?

No (although if part or all of a prize isn't available as a result of unforeseen circumstances, we reserve the right to offer an alternative prize of equivalent value in our sole discretion).

Contacting you...

If we're unable to contact a shortlisted entrant by 5pm on Wednesday 8 February 2012 having used reasonable efforts to do so, their entry will be removed from the shortlist without any liability to us. Another business will be shortlisted to replace it. As a result please ensure that you are contactable during this period using the details you provided to us.

We're not responsible for lost documents relating to the Award Scheme or prizes.

Your data

How do you use the information I provide in participating in the Award Scheme?

We'll use personal information you provide in order to administer the Award Scheme and as otherwise set out in our privacy policy. This includes using it to: (i) verify any aspect of your entry (such as your details, proof of age, education, residency or of other eligibility criteria), or (ii) better understand your entry, your business, your co-owners, or your business' eligibility, or (iii) contact you about this year's Award Scheme and to let you know about future Award Schemes, and (iv) provide any awards and prizes that your business may win.

If your business wins a national award, we may use information you've provided to set up a Lloyds TSB business account into which the prize money will be paid (and to credit check you and/or your business).

Where we've got your consent, we may also use your personal information to provide information about products or services from us, other companies in the Lloyds Banking Group and from selected third parties.

Do you share my information with third parties?

We'll share your information with other companies in the Lloyds Banking Group, NACUE, Telegraph Media Group Limited, and other third parties used to administer, provide or publicise the Award Scheme (this may include credit reference agencies).

Do I have to take part in publicity relating to the Award Scheme?

By entering the Award Scheme, you and your business agree to take part in any publicity and promotional activity we may reasonably require. Refusing to take part in such activity may result in the award and prize being withdrawn (at our discretion).

Do you record calls?

We may record or monitor calls (for example, to check we've carried out requests, to verify details of your entry and business, and to improve our services).

General information

I don't agree with your decision - can I challenge it?

No. Our decision is final and no correspondence will be entered into.

If I learn information about Lloyds Banking Group by taking part, am I obliged to keep it confidential?

Yes. By entering the Award Scheme, you agree to keep confidential any information that you learn about us and/or our group gained by taking part in the Award Scheme.

What happens if the Award Scheme is cancelled?

If we can't run the Award Scheme as a result of an issue beyond our control (e.g. technical failures, governmental or regulatory restrictions, fraud or other causes) we reserve the right to terminate, cancel, modify, postpone or suspend the Award Scheme (and to disqualify any person or business which may have caused or contributed to the issue).

Ending this agreement

Can I withdraw my entry?

Yes. You can withdraw at any time. If you do so, neither you nor your business will be eligible to receive any award or prize (and if you've been shortlisted, we'll remove you and shortlist a replacement business). We'll have no further liability to you.

Other information

• The promoters of the Award Scheme are Lloyds TSB Bank plc (registered in England and Wales under company number 2065, and with registered office at 25 Gresham Street, London, EC2V 7HN) and Lloyds TSB Scotland plc (registered in Scotland under company number SC095237 and with registered office at Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH).
• These terms are in English. All communications between us will be in English.
• If we don't enforce any of these terms, we can apply them again at any time.
• You may contact us at any time about the Award Scheme by emailing us at enterpriseawards@lloydstsb.co.uk.
• For information about how we are regulated, please see www.lloydstsb.com.

The companies in Lloyds Banking Group may use your information to contact you by mail, telephone, email, or text message about products and services that may be of interest to you. If you don't wish to receive this information please tick the appropriate boxes when entering.

How your personal information is used by Lloyds TSB Bank plc as a result of you entering the Lloyds TSB Enterprise Award Scheme (the "Award Scheme")

1. Introduction

Your information will be held by Lloyds TSB Bank Plc which is part of the Lloyds Banking Group. The Lloyds Banking Group includes us and a number of other companies using brands including Lloyds TSB, Halifax and Bank of Scotland. More information on the Group can be found at www.lloydsbankinggroup.com.

Please read this Privacy Policy to understand how we use and protect the information that you provide to us through this Website and by entering the Award Scheme. By accessing any part of this Website or providing any information to us you consent to the use and transfer of your information on the terms set out in this Privacy Policy.

We reserve the right to revise or supplement this Privacy Policy from time to time at our sole discretion and you agree to revisit this page regularly to ensure that you are familiar with the most current version. By continuing to access or use the Website you'll be agreeing to any such changes.

Please note, this Privacy Policy only applies to www.lloydstsbenterpriseawards.com. It doesn't apply to or affect the terms of the Privacy Policy on www.lloydstsb.com or any other Lloyds Banking Group websites, or the terms of any Lloyds Banking Group product or service that you may be a customer of.

2. Use of information collected

2.1 Domain name information that we collect isn't used to personally identify you and instead is aggregated to measure the number of visits, average time spent on this Website, pages viewed etc. We use this information to measure the use of our Website and to improve it's content.

2.2 Your personal information will be held securely by us, Lloyds Banking Group companies, the National Association of College and University Entrepreneurs ("NACUE") and Telegraph Media Group so that we and they can manage your relationship with us and them. This will include information you provide when you apply to us, and any additional information provided by you or others in various ways (including by you entering the Award Scheme, in emails and letters, during telephone calls, in surveys, when you attend the Award Scheme events, in presentations and "question and answer" sessions, through Lloyds Banking Group company websites and during reviews and interviews) and information collected by us from other organisations (such as credit reference agencies and fraud prevention agencies).

We won't retain your personal information for longer than is necessary, or as required by legal or regulatory obligations.

2.3 We may share the personal information we hold about you with other companies in the Lloyds Banking Group, with the National Consortium of University Entrepreneurs, with Telegraph Media Group Limited, and with other third parties who administer, provide or publicise the Award Scheme for the purposes of:

1. providing you with information about the Award Scheme and the progress of your entry and ongoing participation (including if you do not complete your entry);
2. providing you with information about important changes or developments in the Award Scheme;
3. verifying your eligibility (and that of your business) to participate in the Award Scheme (including liaising with third party organisations such as Companies House and your quoted University);
4. providing you with information about future Award Schemes we may hold or organise;
5. responding to your enquiries and complaints;
6. administering the Award Scheme and associated promotions;
7. updating, consolidating, and improving the accuracy of our records;
8. testing new systems and checking upgrades to existing systems;
9. crime detection, prevention and prosecution;
10. evaluating the effectiveness of marketing and for market research and training; and
11. managing your relationship with the Lloyds Banking Group companies and the National Consortium of University Entrepreneurs.

Your personal information may also be used for publicity purposes relating to the Award Scheme or when required by law or where permitted under the terms of the Data Protection Act 1998.

2.4 Where you have consented, we may also contact you about products and services available from Lloyds Banking Group companies, and from selected companies outside the group. We may do this by post, phone, e-mail or SMS. You may opt out of receiving this information at any time if you change your mind by calling us, writing to us, or by responding to the message.

2.5 Making sure we deliver excellent service is very important to us and to do this various methods of communication may be used to keep you updated about the Award Scheme. Most of the time we'll communicate with you by telephone or e-mail although we may also post information to you (such as invitations to Award Scheme events if you're shortlisted).

If you need to email us then remember that the message may not be secure and there is a risk that it could be intercepted. If you choose to send us an email, please keep the amount of confidential information you include to a minimum.

In extraordinary circumstances (such as natural disaster or civil unrest) we may also send you updates by text message when we consider it to be appropriate.

2.6 We'll treat your personal information as private and confidential, but may share it with each other and disclose it outside the Lloyds Banking Group if:

1. allowed by this Privacy Policy or the terms of the Award Scheme;
2. you consent;
3. needed by our agents, advisors or others involved in running the Award Scheme;
4. needed by subcontractors to help us manage the Award Scheme;
5. HM Revenue & Customs or other authorities require it;
6. the law, regulatory bodies, or the public interest permits or requires it;
7. required by us or others to investigate or prevent crime;
8. needed by market research companies to assist us in providing a better Award Scheme;
9. to any other parties connected with the Award Scheme; or
10. required as part of our regulatory duties.

We'll always ensure your information remains safe and secure.

2.7 Lloyds Banking Group companies may in the future wish to sell, transfer or merge part or all of their business or assets, or any associated rights or interests, or to acquire a business or enter into a merger with it. If so, they may disclose your personal information to a potential buyer, transferee, or merger partner or seller and their advisers so long as they agree to keep it confidential and to use it only to consider the possible transaction. If the transaction goes ahead, they buyers, transferee or merger partner may use or disclose your personal information in the same way as set out in this notice.

2.8 The Data Protection Act defines certain information as 'sensitive' (racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences). If you enter the award scheme, you may provide us with this type of information. We may share it with other parts of the Lloyds Banking Group, the National Consortium of University Entrepreneurs and our subcontractors to keep records up to date and to administer the Award Scheme.

2.9 All countries in the European Economic Area (EEA), which includes the UK, have similar standards of legal protection for your personal information. Lloyds Banking Group companies and companies acting on our behalf may run aspects of the Award Scheme and provide other services from centres outside the EEA (such as the USA and India) that don't have the same standard of data protection laws as the UK. However, if we or they do, we'll require your personal information to be protected to at least UK standards.

2.10 We will ask you to provide physical forms of identity verification when or after you enter the Award Scheme (for example, to verify your identity or eligibility to enter the Award Scheme).

2.11 We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly, to resolve queries or issues, for regulatory purposes, to help improve our quality of service, and to help detect or prevent fraud or other crimes. Conversations may also be monitored for staff training purposes.

2.12 As part of our ongoing commitment to understanding our customers better, we may research comments and opinions made public on social media networking sites such as Twitter and Facebook.

2.13 By using this Website you consent to us using your personal information for the purposes described above.

3. Use of cookies

3.1 In general you can visit Lloyds Banking Group websites without identifying who you are or revealing any information about yourself. However cookies are used to store small amounts of information on your computer to enable our server to collect certain information from your web browser. Cookies are widely used on the internet and in themselves don't identify the individual, just the computer used. Cookies and other similar technology make it easier for you to log on to and use the Website during future visits.

3.2 Cookies are used in this Website by us and by third parties to:

• monitor and manage Website traffic;
• evaluate the effectiveness of our advertising and promotions;
• to identify you when you visit the Website, to personalise the content of the Website for you and to enable you to both carry out transactions and have access to information about your account;
• temporarily to store details input into the Website; and
• If required as a matter of law or regulation, in order to protect our or our other customers' rights.

3.3 Cookies themselves only record which areas of the Website have been visited by the computer in question, and for how long. Allowing us or a third party to create a cookie doesn't give us access to your computer and we won't use cookies to track your online activity once you leave the Website. Cookies are read only by the server that placed them, and are unable to execute any code or virus.

3.4 With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. If you want to know how to do this please look at the help menu on your web browser. However, please note that switching off or "opting out" of cookies will mean that you may not be able to use certain features of the Website. Find out more about the use of cookies and how to switch off cookies at www.cookiecentral.com.

5. Accessing and updating your information

5.1 Under the Data Protection Act 1998 you have the right of access to personal data we hold about you. The Act allows us to charge a fee in providing you with the information (currently £10). If anything is inaccurate or incorrect you may ask us to make changes to ensure it is accurate and up to date. If you wish to access the information we hold about you please write to us at DSAR Unit, Lloyds TSB, Customer Service Recovery, Charlton Place, C57, Andover, SP10 1RE.

5.2 You are responsible for informing us that your personal details have changed: for example, a change of address or to your title. You can do this by e-mailing us at enterpriseawards@lloydstsb.co.uk.

THIS WEBSITE IS AN OFFICIAL WEBSITE OF LLOYDS TSB BANK PLC ("we", "us" or "our").

YOU SHOULD READ THESE (THE "TERMS") CAREFULLY BEFORE USING THIS WEBSITE. USING THE WEBSITE INDICATES THAT YOU ACCEPT THESE TERMS. IF YOU DON'T ACCEPT THESE TERMS, DON'T USE THE WEBSITE.

1. Introduction

Please note, these terms only apply to www.lloydstsbenterpriseawards.com. They don't apply to or affect the terms of www.lloydstsb.com or any other Lloyds Banking Group websites.

You may access this Website without registering with us. By accessing any part of this Website, you'll be deemed to have accepted these Terms in full. If you don't accept these Terms, you must leave this Website immediately. We may revise these Terms at any time and you should periodically check this Website to review the then current Terms because they're binding on you.

Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages of the Website.

You can enter the Lloyds TSB Enterprise Award Scheme (the "Award Scheme") through this Website. Where you do so you'll be required to accept the Award Scheme's specific terms and conditions.

2. Content

Unless otherwise stated, the copyright, trade marks and other intellectual property rights in all material on this Website (including without limitation text, tools, photographs and graphical images) are owned by us or our licensors (including the National Consortium of University Entrepreneurs).

Lloyds TSB® is a registered trade name of Lloyds TSB Bank plc.

You may not reproduce or adapt this Website in whole or in part without our prior written consent, except for the purpose of entering the Award Scheme and for producing print outs for your own personal and non-commercial purposes. No part of this Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.

Any use of this Website other than in accordance with these Terms is prohibited. If you breach any of these Terms, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.

Any rights not expressly granted in these Terms are reserved.

3. Service access

Whilst this Website is normally available 24 hours a day, we'll not be liable (including for any failure to be able to enter the Award Scheme) if for any reason this Website is unavailable at any time and for any reason. Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

4. Visitor material and conduct

Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to this Website shall be considered non-confidential and non-proprietary. We'll have no obligations with respect to such material. We'll be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied in them for any and all commercial or non-commercial purposes.

You mustn't post or transmit to or from this Website any material:

1. that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or
2. for which you haven't obtained all necessary licenses and/or approvals; or
3. which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or
4. which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You mustn't misuse this Website (including, without limitation, by hacking).

We'll co-operate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms.

5. Links to and from other websites

Links to third party websites on this Website are provided solely for your convenience. If you use these links, you'll leave this Website. We haven't reviewed all of these third party websites and don't control and aren't responsible for their content or availability. We don't endorse or make any representations about them, or any material found there. If you decide to access any of the third party websites linked to from this Website, you do, so entirely at your own risk.

If you would like to link to this Website, you may only do so on the basis that you link to, but don't replicate, the home page of this Website, and subject to the following conditions:

1. you don't remove, distort or otherwise alter the size or appearance of the any images or logos;
2. you don't create a frame or any other browser or border environment around this Website;
3. you don't in any way imply that the we're endorsing any products or services other than our own;
4. you don't misrepresent your relationship with us nor present any other false information about us;
5. you don't otherwise use any trade marks displayed on this Website without our express written permission;
6. you don't link from a website that isn't owned by you; and
7. your website doesn't contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise doesn't comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and to take any action we deem appropriate. You'll be responsible for any loss or damage suffered by us for breach of this clause.

6. Disclaimer

This Website is here to give you information about the Award Scheme and details on how to enter. It is up to you to decide whether you wish to enter yourself and your business.

The information on this Website may not tell you all you need to know, and you can ask us for more details.

Though we try and keep the information up-to-date, there may be a time delay before we can do so. You shouldn't rely solely on the information on this Website. Please check with us if you have any questions or concerns.

7. Our and your liability for use of this website

This Website only complies with UK laws. You should only use it from the UK. The Award Scheme is only open to certain businesses registered in England, Wales and Scotland (further restrictions and eligibility criteria apply). You may only enter the Award Scheme if you and your business are eligible to do so.

You may not always be able to access this Website. We're not responsible for any losses if you cannot do so (for example if you're unable to enter the Award Scheme). We aren't responsible if the means of communication you use to access this Website or to send us information about yourself or your business, or to receive information from us, doesn't work properly.

As we've explained above, the information on this Website may not always be quite up-to-date or complete. We advise you to check it carefully before you agree to enter the Award Scheme, and we're not responsible for any losses you suffer if you fail to do so unless what we put on this Website was incorrect or misleading (and provided the correct information wasn't provided to you or made available before you entered the Award Scheme).

We're not responsible for any losses or other damage you suffer as a result of using other third party websites linked to from this Website.

We're not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, third party viruses or malware, mechanical breakdown or data-processing failures.

Please remember that email isn't a completely secure means of communication: it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.

8. Governing law and jurisdiction

These Terms shall be governed by and construed in accordance with English law. Disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the English courts.

9. Registered information

We are registered in England and Wales under company number 2065. Our registered office is at 25 Gresham Street, London, EC2v 7HN. We are authorised and regulated by the Financial Services Authority. Our registration can be checked at www.fsa.gov.uk/register.