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TERMS OF USE

The following Terms of Use contain the complete terms and conditions that apply to an individual's or entity's use of FLIC Ltd web Sites. As used in this Agreement, "We," "Us" or "Our" refers to FLIC Ltd and "You" or "Your" refers to the user. "Site" means any FLIC Ltd Site posted on the World Wide Web.

1. Acceptance of terms and conditions Use of our site constitutes Your acceptance of these terms and conditions and Your waiver of any and all claims against FLIC Ltd, its parents, subsidiaries, affiliates, contractors, agents, officers, directors or employees arising out of Your use of Our Site or any materials, information, opinions or recommendations contained on Our Site.

2. Modification

We may modify any of the terms and conditions in these Terms of Use, at any time and in Our sole discretion, by posting a change notice or a new user agreement on Our Site. If any modification is unacceptable to you, your only recourse is to terminate your use of our site. You continued use of our site following our posting of a change of notice or new terms of use constitutes binding acceptance of the change.

3. Copyright

3.1 Use.

All content included on our site, such as text, graphics, logos, button icons, images, audio clips and software, is our property or that of our content suppliers and is protected by U.K. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all content on our site is our property protected by U.K. and international copyright laws. All software used on our site is our property or that of our software suppliers and is protected by U.K. and international copyright laws. You may electronically copy and print in hard copy portions of our Site for the limited purpose of placing an order with us or using it as a shopping resource. Any other use-including reproduction for purposes other than those noted above, modification, distribution, transmission, republication, display or performance-of the content on a site without our prior written permission is strictly prohibited.

3.2 Penalty

Unauthorized copying of the software, or failure to comply with the above restrictions, may result in severe civil and criminal penalties. Unauthorized duplication of the software constitutes copyright infringement and, in the United Kingdom, is punishable in a criminal action by a fine of many thousands of GBPounds and a custodial sentence. In addition, civil penalties allow the recovery of actual damages based on the number of copies produced plus the profits of the infringer, or statutory financial damages for willful copyright infringement.

4. Disclaimer

We provide our site on an "as is" and "as available" basis. We make no express or implied warranties with respect to the operation of our site or the information, content, software or materials available on our site (including, without limitation, warranties or fitness, merchantability, non-infringement or any implied warranties arising out of course of performance, dealing or trade usage). In addition, we make no representation that the operation of our site will be uninterrupted or error-free and we will not be liable for the consequences of any interruption or errors. Further we take no responsibility for the content of any links provided through our site or for the sites of others that link to our site.

5. Confidential information

We do not accept or consider unsolicited material, product suggestions or original or creative ideas (collectively, "Materials") submitted through our site. If despite this policy you submit any such materials, we will deem it our property. We will not treat the materials as confidential, and we will not be liable for any use or disclosure of such materials. Without limitation, we will own the exclusive rights to the materials and will be entitled to unrestricted use of the materials for any purpose, commercial or otherwise, without compensation to the submitter of such materials.

6. Limitation of Liability

We will not be liable for any indirect, special or consequential damages (or loss of revenue, profits or data) of any kind arising in connection with the use of our site, even if we have been advised of the possibility of such damages. Further, our aggregate liability arising with respect to this arrangement will not exceed the amount paid us by you if any, for accessing our site.

7. Indemnification

You will defend and hold harmless FLIC Ltd, its parents, subsidiaries, affiliates, contractors, agent, officers, directors and employees against all claims, losses, damages, liabilities, costs and expenses (including reasonable attorneys' fees and costs) made due to or arising out of a violation of these Terms of Use or Your use of this site, including, without limitation, any claim arising out of unauthorised links to our site.

8 Miscellaneous

8.1 Nonwaiver

If We fail to insist upon or enforce strict performance of any provision or right under the terms and conditions of these Terms of Use, it will not be construed as a waiver of any provision or right; rather, the same will be and remain in full force and effect.

8.2 Choice of Law

These Terms of Use will be interpreted, construed and enforced in all respects in accordance with the laws of England to the exclusion of any other law which may be imputed in accordance with choice of law rules applicable in any jurisdiction. The 1980 U.N. Convention on Contracts for the International Sale of Goods or any successor thereto does not apply to these Terms of Use. For any suit or claim pertaining to these Terms of Use or any information furnished hereunder, You irrevocably consent to the jurisdiction and venue of court in England, and You will not commence an action or proceeding relating to the subject matter of these Terms of Use in any other jurisdiction.

8.3 English Language Governs

It is the express wish of the parties that these Terms of Use be drawn up in English. C'est la volonté explicite des parties que ces termes d'usage soient rédiger en anglais.

8.4 Independent Contractor

These Terms of Use will not be interpreted or construed to create or evidence a partnership, joint venture or franchise relationship among the parties or as imposing any partnership or franchiser obligation or liability on either party.

8.5 Compliance With Laws

You will comply at Your own expense with all statutes, regulations, rules, ordinances and orders of any governmental body, department or agency that apply to or result from Your use of Our Site.

8.6. Severability

If any provision of these Terms of Use will be unlawful, void or for any reason unenforceable, then that provision will be deemed severable from and will not affect the validity and enforceability of any remaining provisions.

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