Warning and Disclaimer  (why use a disclaimer?)

Please read these Terms of Use carefully.    (click here to go back to home page)

Acceptance of Terms of Use
By accessing and using this Web Site you agree to be bound by all terms and conditions contained and/or referenced herein or any additional terms and conditions set forth on this Web Site (“Terms of Use”) and such Terms of Use shall be deemed accepted by you. If you do not agree to all the Terms of Use, you should not use this Web Site.

All information contained on or available through this Web Site (“the Content”) is for general information purposes only and does not constitute any investment advice.

These Terms of Use, the Web Site and its Content may be amended by FPCALC.COM, it's owner and/or administrator at any time without notice. In case the Terms of Use are amended, they shall be effective upon posting on this Web Site. Please check the Terms of Use published on this Web Site regularly to ensure that you are aware of all terms governing your use of this Web Site. In addition, specific terms and conditions may apply to specific content, products, materials, services or information contained on or available through this Web Site.

FPCALC.COM, it's owner and/or administrator reserves the right to terminate or restrict access to the Web Site for any reason whatsoever at his sole discretion.

Please note that this Web Site may include information provided by organisations other than FPCALC.COM, it's owner and/or administrator.

FPCALC.COM, it's owner and/or administrator does not intend in any country, directly or indirectly, to solicit business or offer any contract to any person through the medium of the Web Site.

Disclaimer
IN NO EVENT SHALL FPCALC.COM, ITS OWNER AND/OR ADMINISTRATOR, BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY NATURE RESULTING FROM, ARISING OUT OF OR IN CONNECTION WITH THE USE OF, OR INABILITY TO USE THIS WEB SITE OR THE CONTENT, EXCEPT AS REQUIRED BY LAW. NOR DOES FPCALC.COM, ITS OWNER AND/OR ADMINISTRATOR, REPRESENT THAT THE INFORMATION SELECTED FOR THE CONTENT IS COMPREHENSIVE, COMPLETE, VERIFIED OR ACCURATE.

FPCALC.COM, ITS OWNER AND/OR ADMINISTRATOR DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS AS TO THE SECURITY OF THIS WEB SITE. YOU ACKNOWLEDGE ANY INFORMATION SENT MAY BE INTERCEPTED. FPCALC.COM, ITS OWNER AND/OR ADMINISTRATOR DOES NOT WARRANT THAT THE WEB SITE OR THE SERVERS WHICH MAKE THIS WEB SITE AVAILABLE OR ELECTRONIC COMMUNICATIONS SENT BY FPCALC.COM, ITS OWNER AND/OR ADMINISTRATOR ARE FREE FROM VIRUSES OR ANY OTHER HARMFUL ELEMENTS.

Regulatory Disclosure
The Content does not constitute an offer, solicitation or recommendation to acquire or dispose of any investment or to engage in any other transaction.  This Web Site is not directed at or intended for publication or distribution to any person in any jurisdiction where doing so would result in contravention of any applicable laws or regulations.  It is the responsibility of the individual user to consider his legal and regulatory position in the relevant jurisdiction, the risks associated with trading such products and to ensure that the use of the Content and the subsequent making of any investment does not contravene any such restrictions or applicable laws and regulations of any jurisdiction. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific security, index, report, opinion, advice or other Content.

You should always bear in mind that:

1. The value of investments and any income from them may go down as well as up.  You may not get back all of your original investment.
2. Past performance is not necessarily a guide to future performance.
3. Rates of exchange may cause the value of underlying investments to go up or down.
4. Tax arrangements may change.
5. All stock market based investment is exposed to a degree of risk.

Links to other web sites
At various points throughout the Web Site you may be offered automatic links to other internet sites relevant to a particular aspect of this Web Site. This does not indicate that FPCALC.COM, it's owner and/or adminstrator, is necessarily associated with any of these other sites or their owners. FPCALC.COM, it's owner and/or adminstrator provides such links only as a convenience to the user of this Web Site.

Whilst it is the intention of FPCALC.COM, it's owner and/or adminstrator that you should find these other sites of interest, FPCALC.COM, it's owner and/or adminstrator shall NOT have any responsibility or liability of any nature whatsoever for these other sites or any information contained in them, none of which have been verified or endorsed by FPCALC.COM, it's owner and/or adminstrator.

Any third party that wishes to establish links to this Web Site should notify FPCALC.COM, it's owner and/or adminstrator of their intention prior to doing so. FPCALC.COM, it's owner and/or adminstrator reserves the right to deny permission for any such links to this Web Site. If however FPCALC.COM, it's owner and/or adminstrator gives his  permission for any such links, FPCALC.COM, it's owner and/or adminstrator is not under any obligation to establish reciprocal links with the third party.

Copyright notice
Copyright and all other proprietary rights in the Content (including but not limited to software, audio, video, text and photographs) vests in FPCALC.COM, it's owner and/or adminstrator or his licensors. All rights in the Content not expressly granted herein are reserved.

Except as otherwise provided, the Content published on this Web Site may be reproduced or distributed in unmodified form for personal, non-commercial use only. Any other use of the Content, including but not limited to distribution, reproduction, modification, display or transmission without the prior written consent of FPCALC.COM, it's owner and/or adminstrator is strictly prohibited.

All copyright and other proprietary notices shall be retained on all reproductions.

Any material or information sent through or in connection with this Web Site by you (“User Materials”) will be treated as non-confidential and non-proprietary, and immediately become the property of FPCALC.COM, it's owner and/or adminstrator, subject to any privacy policies posted on this Web Site.

FPCALC.COM, it's owner and/or adminstrator may use such User Materials as he deems fit, anywhere in the world, without obligation for compensation, and free of any moral rights, intellectual property rights and/or other proprietary rights in or to such User Materials.