info@empaving.com 
01543 268278 
Terms & Conditions
1. Use of ethanmasonpaving.com
The ethanmasonpaving.com site is provided to you free of charge for your personal use subject to these Terms and Conditions. By using the ethanmasonpaving.com site you agree to be bound by these Terms and Conditions.
2. Amendments
We may update the Terms and Conditions on this site from time to time, in line with any changes. If you continue to use the site it confirms that you are in agreement to the new terms and conditions. If you do not wish to accept the new Terms and Conditions you should not continue to use the ethanmasonpaving.com site.
3. Account Registration
You must ensure that the details provided by you on registration or at any time are correct and complete and should make any changes, if not correct, by updating the relevant section on the website.
To register with ethanmasonpaving.com you must be over eighteen years of age.
All personal data that you use to register with the ethanmasonpaving.com site will be used only in accordance with the reasons for providing Ethan Mason this information. Ie For providing you with the goods you have purchased.
Personal data will not be shared with any third party and is for use of Ethan Mason only.
4. Ethan Mason Ltd right to suspend or cancel your registration
EM Paving Ltd may suspend or cancel your registration immediately at our reasonable discretion or if you breach any of your obligations under these Terms and Conditions.
You can cancel this agreement at any time by informing us in writing. If you do so, you must stop using ethanmasonpaving.com.
5. Mailing
The email address provided upon account registration may be used to keep you informed of special offers, promotions and news relating to EM Paving Ltd and our products.
There is an option to opt out of this marketing, please ensure you tick the relevant box and you will unsubscribe from our mailing list.
Your details will never be shared with any third party.
5. Password and security
When you register to use the ethanmasonpaving.com site you will be asked to create a password. You must keep this password confidential and must not disclose it or share it with anyone. You will be responsible for all activities and orders that occur using your password. If you know or suspect that someone else knows your password you should notify us immediately.
If EM Paving Ltd has reason to believe that there has been a breach of security or misuse of the ethanmasonpaving.com site, we may require you to change your password or we may suspend your account.
EM Paving Ltd reserves the right to refuse access to the ethanmasonpaving.com website, terminate accounts, remove or edit content, or cancel orders at our discretion. If we cancel an order, there will be no charge to you.
6. Privacy
See Privacy Policy.
7. The contract between us
We must receive payment of the whole of the price for the goods that you order before your order can be processed. Once your order has been received and payment has been taken we will forward a confirmation email to you, using the email you provided us when you registered your account. We will also confirm to you that the goods ordered are available and in stock. We will then despatch the goods to the address you provided when registering. In the unlikely event that the goods ordered are not available, we shall email you at the email address you provided and arrange for your payment to be re-credited to your account within 7 days.
8. Right for you to cancel your contract
8.1 In line with the Consumer Contracts Regulations 2014 you have the right to cancel your contract with us, within 14 calendar days from the date you receive your goods. You do not need to give us any reason for cancelling your contract nor will you have to pay any penalty, however it will be your responsibility to organise the collection of the products and pay the returns and administration charges that this incurs.
8.2 See Returns Policy.
8.3 If you have received the goods before you cancel your contract then you must contact EM Paving Ltd to arrange collection.
8.4 Once you have notified us that you are cancelling your contract, any sum debited by us from your credit card will be re-credited to your account as soon as possible and in any event within 30 days of your order provided that the goods in question are collected by us in the condition they were in when delivered to you. We shall be entitled to deduct the direct costs of recovering the goods from the amount to be re-credited back to you.
9. Cancellation by us
9.1 We reserve the right to cancel the contract between us if:
- We have insufficient stock to deliver the goods you have ordered
- We are not able to deliver to your area (See Delivery Policy)
- Any of the goods you ordered was listed at an incorrect price due to a typo error or an error in pricing information received by us from our suppliers.
9.2 We will not be obliged to offer any additional compensation for disappointment suffered.
10. Liability
10.1 If the goods we deliver are:
- Not what you ordered
- Damaged or defective
- You received an incorrect quantity
We shall have no liability to you unless you notify us in writing at our contact address of the problem within 10 calendar days of the delivery of the goods in question.
10.2 If you do not receive the goods you have ordered within 30 days of the date on which you ordered them, we shall have no liability to you unless you notify us in writing at our contact address.
If you notify a problem to us under this condition, our only obligation will be, at your option:
- To make up any shortage or non-delivery
- Replace or repair any goods that are damaged or defective
- Refund the amount to you for the goods in question in whatever way we choose.
10.3 We will not be liable to you for any indirect or consequential loss, damage or expenses, arising out of any problem you notify to us under this condition and we shall have no liability to pay any money to you by way of compensation other than to refund to you the amount paid by you for the goods in question.
10.4 Nothing in these terms and conditions is intended to limit any rights you might have as a consumer under applicable UK law or other statutory rights that may not be excluded nor in any way to exclude or limit our liability to you for any death or personal injury resulting from our negligence.
11. Delivery of goods to you
See Delivery Policy.
12. Price
12.1 The price payable for goods that you order are as set out in our website.
12.2 You will be required to pay extra for delivery and it might not be possible for us to deliver to some locations.
Delivery details and charges can be found in the Delivery Policy.
13. Area Calculation
We cannot be held responsible for under or over ordering, and we highly recommend you check all area calculations prior to confirming your order. The areas of our full packs have been rounded up and the product dimensions shown on this website allow for joining.
14. Notices
Unless otherwise stated in these Terms and Conditions, all notices from you to us must be in writing and sent to our contact address at EM Paving Ltd, The Coach House, Charter House, Sandford Street, Lichfield, WS13 6QA. All notices from us to you will be displayed on our website.
15. Events beyond our control
We shall have no liability to you for any failure to deliver goods you have ordered or any delay in doing so or for any damage or defect to goods delivered that is caused by any event or circumstance beyond our reasonable control.
16. Limitations
You may not use the ethanmasonpaving.com site for any of the following purposes:
- disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material
- transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice
- gaining unauthorised access to other computer systems
- interfering with any other person’s use or enjoyment of the ethanmasonpaving.com site
- breaching any laws concerning the use of public telecommunications networks
- interfering or disrupting networks or web sites connected to the ethanmasonpaving.com site
- making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner
EM Paving Ltd reserves the right to refuse to post material on the site or to remove material already posted on the site.
You will indemnify us against all losses, liabilities, costs and expenses reasonably suffered or incurred by us, all damages awarded against us under any judgment by a court of competent jurisdiction and all settlements sums paid by us as a result of any settlement agreed by us arising out or in connection with:
- any claim by any third party that the use of the ethanmasonpaving.com site by you is defamatory, offensive or abusive, or of an obscene or pornographic nature, or is illegal or constitutes a breach of any applicable law, regulation or code of practice;
- any claim by any third party that the use of the ethanmasonpaving.com site by you infringes that third party’s copyright or other intellectual property rights of whatever nature; and
- any fines or penalties imposed by any regulatory, advertising or trading body or authority in connection with the use of the ethanmasonpaving.com site by you.
17. Availability of the ethanmasonpaving.com site
Your access to the ethanmasonpaving.com site may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. ethanmasonpaving.com will attempt to restore the service as soon as it reasonably can.
18. Ethan Mason Paving’s liability
The ethanmasonpaving.com site is provided by EM Paving Ltd without any warranties or guarantees. You must bear the risks associated with the use of the Internet.
The ethanmasonpaving.com site provides content from other Internet sites or resources and while EM Paving Ltd tries to ensure that material included on the site is correct, reputable and of high quality, it cannot accept responsibility if this is not the case.
EM Paving Ltd will not be responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with the ethanmasonpaving.com site. If we are informed of any inaccuracies in the material on the site we will attempt to correct the inaccuracies as soon as we reasonably can.
In particular, we disclaim all liabilities in connection with the following:
- incompatibility of the ethanmasonpaving.com Site with any of your equipment, software or telecommunications links
- technical problems including errors or interruptions of the ethanmasonpaving.com site
- unsuitability, unreliability or inaccuracy of the ethanmasonpaving.com site
- inadequacy of the ethanmasonpaving.com site to meet your requirements
To the full extent allowed by applicable law, you agree that we will not be liable to you/or any third party for any consequential or incidental damages (including but not limited to loss of revenue, loss of profits, loss of anticipated savings, wasted expenditure, loss of privacy and loss of data) or any other indirect, special or punitive damages whatsoever that arise out of or are related to the ethanmasonpaving.com site.
19. Third party rights
Except for our affiliates, directors, employees or representatives, a person who is not a party to this agreement has no right under the UK Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement but this does not affect any right or remedy of a third party that exists or is available apart from that Act.
20. Intellectual Property
The content of the ethanmasonpaving.com site is protected by copyright, trade marks, database and other intellectual property rights. You may retrieve and display the content of the ethanmasonpaving.com site on a computer screen, store such content in electronic form on disk (but not any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the ethanmasonpaving.com site without written permission from EM Paving Ltd.
21. Governing law
The contract between us shall be governed by and interpreted in accordance with English law and the English courts shall have jurisdiction to resolve any disputes between us.
22. Entire agreement
These terms and conditions, together with our current website prices, delivery details, contact details and privacy policy, set out the whole of our agreement relating to the supply of the goods to you by us. Any comments made by our sales persons on our behalf should be understood as a variation of these terms and conditions or as an authorised representation about the nature or quality of any goods offered for sale by us. Save for fraud or fraudulent misrepresentation, we shall have no liability for any such representation being untrue or misleading.
23. Miscellaneous
You may not assign, sub-license or otherwise transfer any of your rights under these Terms and Conditions. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. If you breach these terms and conditions and EM Paving Ltd ignores this, we will still be entitled to use its rights and remedies at a later date or in any other situation where you breach the Terms and Conditions. EM Paving Ltd shall not be responsible for any breach of these Terms and Conditions caused by circumstances beyond its control. A person who is not a party to these Terms and Conditions shall have no right under the contract (Rights of Third Parties) Act 1999 to enforce any term of these Terms and Conditions but this shall not affect any right or remedy of a third party which exists or is available apart from that Act.
24. Conditions of Purchase
All natural stone products are unique and no two pieces are the same. We highly recommend that all the stone you purchase is inspected prior to fitting to check its veining, colour, size, thickness and finish. This will ensure that it has a consistent blending once installed. No claims will be accepted for any reason after the stone has been laid.
The ethanmasonpaving.com site is owned and operated by EM Paving who can be contacted at The Coach House, Charter House, Sandford Street, Lichfield, WS136QA.
If you have any queries please contact sarah@empaving.com.
Natural Stone Terms and Conditions
Why choose natural stone
Ethan Mason offers a beautiful range of stone to meet everyone’s individual style, taste and personality.
Every single natural stone-paving slab has its own characteristics, whether it is the colour and/or texture. This true uniqueness comes from a natural process that has occurred over millions of years, meaning that no two pieces of paving are exactly the same.
About natural stone
Natural stone is strong and hardwearing, but porous in nature so will soak up liquids easily. It is recommended that you allow natural stone time to settle once it is laid. Natural stone contains alkali, which will attract dirt more easily, so it is also recommended that you maintain it regularly.
Weathering can sometimes have an effect over time. Weathering can enhance the beauty of the stones shading, veining and/or colour.
About Ethan Mason natural stone
Ethan Mason’s natural stone is always calibrated for consistent thickness to help with faster installation.
Although every measure is taken to ensure a consistent thickness, please allow for some tolerance with the stone due to its natural formation, which Ethan Mason has no control over. Tolerance can be up to 2mm. This will also vary across all paving.
Ethan Mason natural stone is sold in patio packs. Standard patio packs contain a total of 48 units/paving slabs. We offer a generic laying guide on our website, and in the brochure, however the packs can be laid in whichever way you prefer. Make sure you measure your area accurately as more packs may be required.
All dimensions given are nominal and subject to manufacturing tolerances. The quoted sizes and coverage of our paving ranges, except where using minimal joints, are for the overall areas including appropriate joints, making it easier for you to plan a project and order the right pack quantities.
Ethically sourced
We support fair trade and are committed to trading with suppliers who ethically source their products. We monitor all aspects of the supply chain, including quality standards, working conditions and general employment practices.
Our aim is to ensure that our products are delivered, using suppliers that have manufactured to the highest technical standards as well as adhered to ethical standards including:
-Fair treatment of employees
-Respecting basic human rights
-Operating ethically and with integrity.
Health & Safety
All natural stone and porcelain products are heavy. Ensure that you take care when handling any of the products to limit the risk of injury and/or damage to the product.
You may require assistance in installing and moving, with some products two people maybe required.
Assess the size and weight of the product before you start working with it.
Decisions, decisions
The images and colour(s) shown in our brochure are as accurate as reprographic processes allow. There are variations in colour of all natural stone products supplied by Ethan Mason. It is important that you see samples or the actual product at your local stockist before you decide on the product that is right for you.
Ethan Mason does not take responsibility for any colour inaccuracies within this brochure compared to the products featured, as no two natural stone paving slabs are the same.
Please note that samples are also only a small representation of what the stone will look like when it is installed and all natural stone paving slabs are different.
Natural stone colours, textures and veining are enhanced when the stone is wet and/or sealed so please ensure that you are happy with the colour of the stone when it is wet and dry.
Ethan Mason offers a sample service, so that you can view a small piece of natural stone before you purchase. (Sample size 100mm x 100mm)
Samples are free of charge, but a £4.50 postage charge will apply for each sample.
We advise that you also carry out your own research on the stone, contact your local EM stockist or Ethan Mason direct if you would like further clarification on any of the stones, shading or colour variations
Make sure you are happy
Natural stone may contain some natural imperfections, but this is due to the character and nature of the stone.
We always recommend that you check the colour, veining, sizing and finish before installation. Also check that you are happy with the blending before it is laid too. If you are using multiple packs it is recommended that you mix the paving slabs from all packs to help with blending.
Again due to the uniqueness of the stone, make sure you are happy with the colour of the paving slabs when wet and dry; as wetness can enhance certain features and colours of the stone.
No returns can be accepted once the natural stone is unwrapped and installed.
All of our natural stone patio packs are checked and securely sealed at the source. They are also checked once they arrive at the port and again when they are loaded for delivery to our stockist(s).
However on the rare occasion there may be some breakages and over 10 per cent of the pack is found to be broken, then contact your local Ethan Mason stockist who will advise a best course of action. We recommend that you keep as well as take photographs of the broken slabs, as we are unable to consider or agree an exchange without them.
Every care is taken to ensure that our products arrive in a satisfactory condition, in the unlikely event that this does not happen we recommend that you notify the stockist immediately, so it can be dealt with professionally and in a timely manner.
If the goods delivered are not what you ordered, damaged or defective or if you received an incorrect quantity, please contact your Ethan Mason stockist immediately.
Ethan Mason shall have no liability to you unless you notify the stockist or Ethan Mason direct of the problem within 10 calendar days of the delivery of the goods in question.
We will not be liable to you for any indirect or consequential loss, damage or expenses, arising out of any problem you notify to us under this condition and we shall have no liability to pay any money to you by way of compensation other than to refund to you the amount paid by you for the goods in question only.
On the rare occasion some natural stone products may become dusty and have scuffmarks, this is unavoidable and normally happens during manufacturing and packaging, Ethan Mason accepts no liability for this.
Usage
Only use natural stone products where they are intended.
If you decide to use these products indoors it is recommended that you seal them adequately to help protect them from increased traffic and spillages.
Natural stone can also be used around swimming pools and hot tubs, however please seek advice from your local Ethan Mason stockist as some natural stone products can react with the chemicals used in the water.
Natural stone can be used with under floor heating, however always seek advice from the under floor heating specialist as the thickness and size of the paving slabs may not be adequate for the specific heating and may reduce the effectiveness of it.
Natural stone can also be used on pre-made structures, i.e. for balconies or decking structures, however also seek advice from the manufacturer as the depth and size of the stone may not be suitable and you must also consider the weight of the stone on such a structure.
All natural stone has it’s own natural grip. Ethan Mason paving is thoroughly tested to ensure that it meets the required CE standards. The more textured/riven the paving slabs, the higher level of natural grip. We highly recommend that if you use natural stone around a pool or pond area, then regular cleaning is a must, to ensure that the paving does not get slippery when wet.
Looking after your natural stone
We do not recommend the use of road salts during freezing/thawing conditions or pressure washers as both may cause damage to the surface of the paving.
There are patio-cleaning attachments available for use with pressure washers, which are suitable for patio cleaning and will be less harsh on the surface.
Cleaning solutions and products are available to buy, but always read the manufacturer’s instructions.
Never use a cleaning product that contains acid or bleach
Always carry out work on a test area first to ensure you are happy with the results.
Using soapy water and a brush can help to remove less stubborn stains, following this by using a water hose can remove dirt from the surface without disturbing the concrete or grouting between.
Laying your natural stone patio
Once you open the pallet, to avoid any breakages, chipping and other damage, we recommend that you place the natural stone products either on the ground or supported in some way to prevent falling over whilst removing the packaging and banding.
Natural stone pallets and paving are heavy, you may require additional help when unwrapping, moving and installing the stone.
It is recommended that you always dry lay your patio to ensure that you are happy with the pattern, blending and jointing widths.
Recommended jointing widths are: • 10-15mm for Riven Paving 5-10mm for Smooth Paving
Always lay your natural stone on a full mortar bed, as this can help to secure the stone properly. The use of slurry on the back of the paving slabs can also help to secure the paving to the mortar bed.
Once your product is laid efflorescence (White/Brown staining) may occur. This is not the fault of the stone, and is due to the type of concrete mix or cement product used. It is a natural phenomenon, which will eventually disappear, and does not affect the durability and performance of the natural stone.
Some delaminating may occur with natural stone, during the first stage of installation. This is normal and does not affect the quality and durability of the natural stone.
Some concrete or grouting used in-between the paving may leach or stain the natural stone. So it is worth contacting the product manufacturer and getting advice on the product before you use it. Normally this will dry over time.
Consider using lighter or white cement or tile grout on lighter coloured paving. Always carry out on a test area first.
To seal or not to seal
Sealing your paving is down to individual choice and we recommend you seek more advice and details prior to application. If you do decide to seal always try a test area first as sealants will create a permanent finish, either wet look or dry.
You may be required to seal again over time, please contact the sealant manufacture for further guidance and advice on their product, the ingredients and the suggested re-sealing time.
The Ethan Mason stockist can advise on sealing products available to purchase and use that are suitable for natural stone paving. Ethan Mason can also advise on products available, however cannot make the decision on which sealing product you use, this is down to personal choice and Ethan Mason will not be liable for that product.
Efflorescence
Efflorescence can appear on the surface of any products that are laid using cement. Efflorescence is also shown as white or brown staining. It is formed by a normal chemical reaction between cement and water which causes lime (calcium hydroxide) to migrate through damp concrete bedding and in some cases appears on the surface of natural stone products which are porous in their nature.
Efflorescence can be more prevalent when concrete dries more slowly than normal i.e. due to mix or atmospheric conditions.
This will disappear over time as the natural stone settles and reacts further with the atmosphere, and should not affect the long-term performance of the natural stone paving.
To reduce the risk of efflorescence we also recommend covering the back of the paving slab with slurry before installation.
Rust
Rust can sometimes appear on the surface of your natural stone paving slabs. This is more prevalent in the EM Silver range, as this natural stone contains a higher level of natural iron. As the paving settles into its environment and reacts with the elements, i.e. wet and damp, iron can be drawn to the surface and will appear on the paving as rust staining. This can be easily removed using the correct rust cleaning solution.
Porcelain Terms and Conditions.
1) Health and Safety
Due to the nature of all of Ethan Mason’s porcelain products, we recommend that you consider the following:
– Always have the correct lifting equipment for the paving. As all our paving is heavy. Ensure that you have support when lifting and carrying the products.
– Always wear gloves and safety footwear when handling the products. If you decide to cut the paving, ensure that you wear the correct respiratory protection and goggles for safety.
– It is also advised that wetting as well as scoring the end of the paving before cutting will alleviate edge and surface chipping Always use a suitable disc cutter with a diamond blade for use with porcelain. The use of a blunt or damaged blade can damage the paving. It is recommended that you try a sample cut on a sample slab beforehand.
– Ensure that all products are on level ground and supported if and when you remove any outer packaging. Always handle all products with care, as mishandling can result in breakages and chipping which cannot be replaced.
2) Sizes and joint widths
Porcelain is made to mirror the same characteristics, sizing and textures of real natural stone, therefore please note that actual sizes will vary. Riven paving and fettled edges are a feature of natural stone and so porcelain will mirror these individual characteristics.
Recommended joint widths for porcelain are between 3mm-8mm. Use spacers as appropriate.
3) Manufacturing Tolerances
Porcelain paving is manufactured and because of this it has intentional uneven surfaces and colour to create a specific effect or finish.
Please allow for some tolerance with the paving size, colour and texture as this will vary slightly from slab to slab to mirror the natural effect and characteristics of natural stone.
4) Laying Information
– Always dry lay your laying first to ensure that you are happy with the pattern, joint widths and finish.
– Always’s use a full mortar bed on a MOT Type 1 sub base. We advise you prepare a semi wet mortar bed, which should be 4:1 mix sharp sand to ordinary portland cement. (As per normal paving installation). Please note that if the mix is too wet the paving will float.
– Always apply a SBR slurry bond primer to the back of each slab (SBR liquid and OPC cement slurry). This will ensure each slab fixes to the base.
– When fixing and finishing a porcelain patio, only use approved flexible two-part epoxy resin products pointing mix/grouts.
– Once installed and grouted avoid foot traffic for at least 24 hours.
Remember porcelain is non porous ensure your installer creates suitable fall/drainage.
6) Internal Installation
We advise that you fix porcelain paving to a 75mm – 100mm concrete base using an internal/external grade flexible tile adhesive.
Please note, if the concrete bed is new, allow 4-6 weeks before installing the porcelain paving.
7) Cleaning and Maintenance
Once the pavers have been laid we recommend cleaning the area to remove any excess installing residue.
Porcelain should then only require a periodic clean to help keep it in tip-top condition. Professional liquid cleaners can be purchased to help remove more suborn dirt, grime and grease.
However for daily dirt and residue on the surface of the paving slabs, soap and water will work just as well.
8) Other Information
Although porcelain is man-made and hard wearing it may still be affected by weathering over time.
Important information
We constantly monitor sales to support company growth and products to help with product improvements to ensure we offer the best and right products to our customers, therefore Ethan Mason reserves the right to vary designs and specifications without notice and to change any product or withdraw from sale without prior notice.
If you install a product that has an apparent defect, which can be seen upon reasonable inspection prior to laying, then we will not accept any responsibility for any replacement or for any other loss arising from this.
No claims will be accepted for any reason after the product has been installed or if the product has been altered in any way after delivery.
No claims will be accepted if for any reason the wrong aftercare product has been used on the natural stone and caused damage.
We cannot accept any liability if products are used for purposes other than those for which they were intended, or they are installed other than in accordance with recommendations.
Sizes and joint widths throughout the brochure are for guidance only.
Nothing in these terms and conditions is intended to limit any rights you might have as a consumer under applicable UK law or other statutory rights that may not be excluded nor in any way to exclude or limit our liability to you for any death or personal injury resulting from our negligence.
The information contained in this Small Print section, is advice only; Ethan Mason accepts no liability for any loss, damage or injury howsoever caused as a result of following it. We would also always recommend you get advice from either your Professional Installer, Landscaper or EM Stockist.
Carry out your own research using the Internet to ensure that you are happy with the maintenance and installation of natural stone as well as the upkeep to ensure that you get the best from your natural stone paving slabs.
Although we offer advice in our brochure to help with installing all of our paving, we would always highly recommend you contact and consult with your local Installer, Landscaper or Builder before fixing any paving, as they can provide you with further professional help and advise.
No part of this brochure may be reproduced or transmitted in any form without permission in writing from Ethan Mason.
No charge is made for this brochure nor the advice given inside, therefore Ethan Mason accepts no liability whatsoever, either directly or indirectly arising from the use of its products in connection with any information or advice given in this brochure.
The information contained in the brochure is for advice purposes only, further personal research is highly recommend.
THESE TERMS AND CONDITIONS DO NOT AFFECT YOUR STATUTORY RIGHTS.