Terms of use

The following terms indicate the conditions on which access to the reports prepared by Douglas Borough Council, Hymans Robertson LLP and CAPITA Employee Benefits  (the contributors) is given. By accessing the related forms, it is deemed that you acknowledge your acceptance of these terms.

Change of Terms

The Contributors have the right at any time to change or modify the terms or conditions applicable to the use of the information. This site is owned and operated by Douglas Borough Council. The user acknowledges that the content of the reports prepared by the Contributors are the intellectual property of the contributors. All material contained in the reports are copyright of the Contributors unless otherwise indicated.

Use of material

The Contributors authorise the user to copy any material published by the Contributors and placed on this Web site for non-commercial use only, provided that any copied material from the Web site retains all copyright or other proprietary notices and any disclaimers.

Using information

The user expressly acknowledges that the reports were prepared for Douglas Borough Council and were provided solely for the purpose of Douglas Borough Council undertaking its functions as Scheme Trustee and to fulfill the statutory obligation to obtain such reports. The reports have not been prepared for use for any other purpose and should not be so used.

The Contributors reports available on this site have been prepared in accordance with Isle of Man law. This notice and the information in this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the Isle of Man. The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country.

The information in this site is current at the date of publication but may be subject to change. It is important to note that the value of investments, and income from them, may fall as well as rise and that there are varying degrees of risk associated with investments in different asset classes.

Any information contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information on this website, The Contributors recommends that you seek specialist advice regarding what is appropriate for your circumstances.

The purpose of this site is to provide you with an information service. If you think you may need Pensions, investment or actuarial advice, we suggest you approach a licensed Financial Adviser, investment adviser or actuary. Nothing in this site should be taken by you to be the giving of Pensions, investment or actuarial advice nor should the content of the reports be relied upon by you in any way.

Limitation of Liability

The Contributors reports are provided on an "as is" basis without warranties of any kind, either express or implied, including (but not limited to) warranties of merchantability or fitness for a particular purpose.

The user expressly agrees that use of the Contributors reports is at the user's sole risk. The Contributors do not warrant or represent that the information in this site is free from errors or omissions or is suitable for use by you for any purpose. The Contributors recommend that you seek independent advice before acting on any information in these reports. Subject to any terms implied by law and which cannot be excluded, The Contributors accept no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information in the reports.