While we make every effort to keep Confident Conversations up to date, we do not provide any guarantees, conditions or warranties that the information will be:

• Current
• Secure
• Accurate
• Complete
• Free from bugs or viruses

We do not publish advice on Confident Conversations. You should get professional or specialist advice before doing anything on the basis of the content.

We’re not liable for any loss or damage that may come from using Confident Conversations. This includes:

• Any direct, indirect or consequential losses
• Any loss or damage caused by civil wrongs (‘tort’, including negligence), breach of contract or otherwise
• The use of Confident Conversations and any websites that are linked to or from it
• The inability to use Confident Conversations and any websites that are linked to or from it

This applies if the loss or damage was foreseeable, arose in the normal course of things or you advised us that it might happen.

This includes (but is not limited to) the loss of your:

• Income or revenue
• Salary, benefits or other payments
• Business
• Profits or contracts
• Opportunity
• Anticipated savings
• Data
• Goodwill or reputation
• Tangible property
• Intangible property, including loss, corruption or damage to data or any computer system
• Wasted management or office time

We may still be liable for:

• Death or personal injury arising from our negligence
• Fraudulent misrepresentation
• Any other liability which cannot be excluded or limited under applicable law