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Last Updated: May 2009 is maintained for your personal use and viewing. The access and use of featuring these terms and conditions constitutes your acceptance of these terms and conditions. They take effect from the date on which you first use this website. is a commercial venture, and thus, while we try to remain impartial, may have a financial benefit in recommending certain companies over others.

However, the information we do provide is provided in good faith, and is believed to be accurate when published. Nonetheless, we accept no responsibility for any of your financial decisions, even if they may be based directly upon material viewed on our website; neither do we accept any responsibility for any financial loss, or other loss or damage, that you may incur as a result of acting upon information on our website.

We therefore encourage you to seek the guidance of a professional financial planner, insurance specialist, or other certified financial expert, when making any decision based upon information viewed on this website.

Changes To These Terms and Conditions: may update these terms and conditions from time to time and we encourage you to review this document regularly.

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