Terms of Use


The Website is owned and operated by WMA Ltd. By using and/or visiting the Website, you hereby agree to these terms and conditions. These terms apply to all users of the Website.


WMA Ltd hereby grants permission to use the Website provided that you do not copy any part of the Website in any medium without the prior written consent of WMA Ltd, that you do not alter or modify any part of the Website other than as may be reasonably necessary to use the Website for its intended purpose and that you comply fully with the terms and conditions of use of this Website.


The Website may contain links to third party websites that are not owned or controlled by WMA Ltd. WMA Ltd takes no responsibility for the content or privacy policies of any third party websites.


The content of the Website including the text, software, scripts, graphics, photos, sounds, music, videos and interactive features, and the trademarks, service marks and logos are owned by or licensed to WMA Ltd, and the content is subject to copyright and other intellectual property rights which belong exclusively to WMA Ltd. The content of the Website may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed or otherwise exploited for any other purposes whatsoever without the prior written consent of WMA Ltd. You hereby agree not to copy or distribute any of the content of the Website other than as expressly permitted under these terms. You further agree not to circumvent, disable or otherwise interfere with security related features of the Website or features that prevent or restrict the use or copying of any content or enforce limitations on use of the Website or the content thereof.

All materials provided are intended for informational purposes only and are subject to change to withdrawal by WMA Ltd at any time without notice.

All comments, feedback, information or materials submitted to or through the Website shall be considered non-confidential and shall belong to WMA Ltd. By submitting any materials to the Website, you hereby assign to WMA Ltd all worldwide, rights, title and interest in the copyright or other intellectual property rights to such material.

You also agree that, in submitting material to the Website, you will not include any material which may damage WMA Ltd or any third party or that is unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offence, give rise to civil liability, violate any law, or is otherwise inappropriate. WMA Ltd disclaims all and any liability in connection with submissions uploaded onto the Website.

WMA Ltd does not in any way endorse any submission or any opinion, recommendation or advice expressed therein, except insofar as any opinion, recommendation or advice is clearly expressed to be by representatives of WMA Ltd.

WMA Ltd does not permit any material which infringes copyright or any other intellectual property rights from being uploaded onto the Website. If WMA Ltd is notified by any person that any material on the Website is infringing any other person's rights, WMA Ltd will remove all that infringing material and/or submissions forthwith, without notice to the user. WMA Ltd also reserves the right at any time to remove any material or submissions which it deems to be unlawful, indecent, dishonest or in anyway detrimental to WMA Ltd without prior notice.

WMA Ltd reserves the right to discontinue any aspect of the Website at any time.


You agree that your use of the Website shall be at your sole risk. To the fullest extent permitted by law, WMA Ltd, its officers, directors, employees, and agents disclaim all warranties, express or implied, in connection with the Website and your use thereof. WMA Ltd, its officers, directors, employees, and agents make no warranties or representations about the accuracy or completeness of this Website's content and assume no liability or responsibility for:

  1. any errors, mistakes, or inaccuracies of content;
  2. personal injury or property damage of any nature whatsoever, resulting from your access to and use of the Website, any unauthorised access to or use of our secure servers and/or any and all personal information and/or financial information stored therein;
  3. any interruption or cessation of transmission to or from the Website;
  4. any bugs, viruses, or the like which may be transmitted to or through the Website by any third party; and/or
  5. any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the Website.


Nothing in these terms shall exclude or in any way limit WMA Ltd's liability for fraud, or for death or personal injury caused by its negligence, or any other liability to the extent such liability may not be excluded or limited as a matter of law. WMA Ltd will not be liable for any loss of actual or anticipated income or profits, loss of contracts or for any special, indirect or consequential loss or damage of any kind howsoever arising and whether caused by tort (including negligence), breach of contract or otherwise, whether or not such loss or damage is foreseeable, foreseen or known.

The Website is controlled and offered by WMA Ltd in the United Kingdom. WMA Ltd makes no representations and gives no warranties that the Website is appropriate or available for use in other locations. Those who access or use the Website from other jurisdictions do so at their own risk and are responsible for compliance with any local laws.

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