For the use of the Kaupthing Singer & Friedlander Limited (in administration) Internet Website

This website is owned and maintained by Kaupthing Singer & Friedlander Limited (in administration). The terms “we”, “us” and “our” shall be construed as Kaupthing Singer & Friedlander Limited (in administration) and its UK affiliates. Please refer to the Legal Notices section below for a list of the UK affiliates.

The use of this website is subject to the Terms and Conditions set out below, which you should read carefully. Other terms may apply in addition to these Terms and Conditions if you use this website for particular purposes and these terms shall be brought to your attention where relevant. By using this website you agree to be legally bound by these Terms and Conditions. If you do not accept these Terms and Conditions, please do not use this website.

Use of web site

1. The information, services and products on this website are intended for use only by residents of the UK, and from within the UK. They are not aimed at, nor intended for use by, residents of any other jurisdiction, nor are they to be accessed from any other jurisdiction. We cannot guarantee that this website or its contents are appropriate for use in, or comply with any laws of, any other jurisdiction.
   
2. This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual third party pages directly, which have not been authorised to link to this website and which are not adequate for this purpose, you may not see important information which is relevant to a full understanding of our products and services.
   
3. You are wholly responsible for use of this website by any person using your computer and you must ensure that any such person complies with these Terms and Conditions
   

   Exclusion of Liability

4. The following clauses exclude or limit our legal liability for this website and you should read them carefully. They apply only as far as the law permits, and nothing in these Terms and Conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any FSA rules or code of conduct with which we are bound to comply. Further, nothing in these Terms and Conditions shall attempt to exclude liability for death or personal injury, or for fraudulent misrepresentation.
   
5. While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website information is provided on an "as is", "as available" basis, and we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. You should obtain independent verification of any information on this website before placing any reliance (financial or otherwise) on it. This website has been designed to provide a general overview of our services and is not intended to be used as a comprehensive and objective information resource. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no representation or warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability or for any failure of performance, error, omission, interruption, defect, delay in operation or transmission or line or system failure. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties, and we make no representation or warranty regarding the accuracy, functionality or performance of any third party software that may used in connection with this website.
   
6. Access to and use of this website is at the user's sole risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection. You have sole responsibility for adequate protection and back-up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
   
7. This website may contain links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations and have no responsibility regarding the content of any such website. We shall not be liable for any loss or damage which may arise from the use that you make of any such third party websites. Use of those websites and any software downloaded from any such third party website is governed by the terms of any licence agreement which accompanies or is provided on the website or with the software.
   
   

   Personal Data

8. By agreeing to be bound by these Terms and Conditions, you are agreeing that we may collect and store certain personal data about you in accordance with our Privacy Policy.
   
9. To enable us to provide a better service and to assist our prevention of fraud we may send "cookies" from this web site to your computer. Further details about what cookies are and why we use them can be found in our Privacy Policy
   

   Copyright

10. All rights in the copyright, database right and design right that subsist in the content of this website, save as expressly granted, are reserved by and to Kaupthing Singer & Friedlander Limited (in administration). Pages from this website may be viewed and single copies printed out for personal information and record keeping purposes only. Any other reproduction in any form of any part of the contents of this website without our prior written consent is prohibited. In particular no part of this website may be used on any other website or in or on any database (including any electronic database), and no one may link any other website to this website without our prior written permission.
    
    

    Trademarks

11. This web site contains numerous trade marks belonging to Kaupthing Singer & Friedlander Limited (in administration). The registered trade marks include, but are not limited to, KS&F, the KS&F logo and Kaupthing Singer & Friedlander. The unregistered trade marks include graphics, logos, words, phrases and icons contained on this web site many of which will also be copyright works. If you are in doubt as to whether an item is a trade mark or copyright work, please contact us for clarification at the address below. You may print, copy, download or temporarily store extracts from this web site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first obtain our written permission.
    
    

    Advice

12. The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.
    

    Legal Notice

13. The registered office of Kaupthing Singer & Friedlander Limited (in administration) is 21 New Street, Bishopsgate, London EC2M 4HR Registered number 875947 FSA registration number 140839.
    
14. The following entities are UK affiliates of Kaupthing Singer & Friedlander Limited (in administration): Kaupthing Singer & Friedlander Trade Finance Ltd (registered number 35398); Kaupthing Limited (registered number 3852334); Singer & Friedlander Investment Management Limited (registered number 1944779); Singer & Friedlander Capital Management Limited (registered number 3035403); Singer & Friedlander Asset Management Limited (registered number 2339567); (each of which are registered in England and have their registered office at 21 New Street, Bishopsgate, London EC2M 4HR); Singer & Friedlander AIM 3 VCT Plc (registered number 4138683); Singer & Friedlander Finance Ltd (registered number 2392881); Coachlease Limited (registered number 3462512); Hermes Group Limited (registered number 2452917); Hermes Leasing (London) Limited (registered number 2486139); Hermes Leasing Limited (registered number 1997325); Hermes Leasing (Western) Limited (registered number 2504964); Hermes Lease Finance plc (registered number 2191403); Singers Healthcare Finance Ltd (formally Singer & Friedlander Leasing Limited registered number 983790); (each of which are registered in England and have their registered office at One Hanover Street, London W1S 1AX) Singer & Friedlander Commercial Finance Limited (registered in Scotland number 53939 and whose registered office is 231 St Vincent Street, Glasgow G2 5QY); Singers Asset Finance Holdings Limited (registered number 06862942); Singers Corporate Asset Finance Limited (registered number 06863223). 
    

    Regulatory Information

15. Kaupthing Singer & Friedlander Limited (in administration), Singer & Friedlander Investment Management Limited and Singer & Friedlander Asset Management Limited are all authorised and regulated by the Financial Services Authority (FSA).
    
16. Kaupthing Singer & Friedlander Limited (in administration) is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000, so the maximum compensation is £48,000 (or EEA equivalent) per investor, while most deposit products are covered for 100% of the first £50,000, so the maximum compensation is £50,000 (or EEA equivalent) per depositor. Further details of the scheme are available upon request, or from the Financial Service Compensation Scheme whose website can be found at: www.fscs.org.uk.
    
17. It should be noted that investments involve risk. The value of investments and the income derived from them can go down as well as up and you may not necessarily receive back the original amount invested. When investments are made in overseas securities, movements in exchange rates may have an effect that is unfavourable as well as favourable. Past performance is not necessarily a guide to future performance. The levels and basis of, and relief from, taxation can change.
    
18. If you have a complaint in respect of our services, you should in the first instance write to our compliance officer at our registered office. If you are a private customer you also have a right to complain directly to the Financial Ombudsman Service www.financial-ombudsman.org.uk. If you want to exercise this right please let us know and we will send you details. Details of our internal complaints procedure are available on request.
    
    

    Governing Laws

19. These Terms and Conditions are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute which may arise.
    
20. A person who is not a party to the contract constituted by your acceptance of these Terms and Conditions may not enforce it under the Contracts (Rights of Third Parties) Act 1999.
    
    

    Products & Services

21. Additional terms and conditions will apply to products and services supplied by us. We will provide you with such terms and conditions and the client documentation relevant to the particular product or service as appropriate. Nothing on this site constitutes or forms a part of any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities, nor should it or any part of it form the basis of, or be relied upon in any connection with any contract or commitment whatsoever. Any prices or product details described are indicative only and do not represent actual terms at which new transactions could be entered into. Any offer would be made at a later date and subject to contract, satisfactory documentation and market conditions.
    
    

    Changes to web site

22. The contents of this website, including these Terms and Conditions of use, are subject to change by us without notification. Where you continue to access or use this website this will mean that you agree to the changes.
    
    

    Telephone Calls

23. We may record telephone calls for security or training purposes.
    
    

    Complaints

24. If you have any complaints or comments about this website please send an appropriately worded email to: ukmarketing@singers.co.uk
    

    Administration

25. Kaupthing Singer & Friedlander Limited is in administration. The affairs, business and property of Kaupthing Singer and Friedlander Limited are being managed by the Joint Administrators M E Mills, A R Bloom, P J Brazzill and T M Burton. The Joint Administrators act as agents of the Company only and without personal liability
    
26. The Insolvency Practitioners Association authorise Patrick Joseph Brazzill to act as an Insolvency Practitioner in the UK under section 390(2)(a) of the Insolvency Act 1986 and the Institute of Chartered Accountants of Scotland authorise Thomas Merchant Burton to act as an Insolvency Practitioner in the UK under section 390(2)(a) of the Insolvency Act 1986.
    
27. The Institute of Chartered Accountants in England and Wales authorise A R Bloom and M E Mills to act as Insolvency Practitioners under section 390(2)(a) of the Insolvency Act 1986.