Terms and conditions

 

1. User’s Acknowledgment and Acceptance of Terms

Money Loch Limited  (“Us” or “We”) provides the Money Loch Limited  site and various related services (collectively, the “site”) to you, the user, subject to your compliance with all the terms, conditions, and notices contained or referenced herein (the “Terms of Use”), as well as any other written agreement between us and you. In addition, when using particular services or materials on this site, users shall be subject to any posted rules applicable to such services or materials that may contain terms and conditions in addition to those in these Terms of Use. All such guidelines or rules are hereby incorporated by reference into these Terms of Use.

BY USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THE THESE TERMS OF USE, PLEASE EXIT THE SITE NOW. YOUR REMEDY FOR DISSATISFACTION WITH THIS SITE, OR ANY PRODUCTS, SERVICES, CONTENT, OR OTHER INFORMATION AVAILABLE ON OR THROUGH THIS SITE, IS TO STOP USING THE SITE AND/OR THOSE PARTICULAR PRODUCTS OR SERVICES. YOUR AGREEMENT WITH US REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF YOUR USE OF THIS SITE.

These Terms of Use are effective as of 01/08/2013. We expressly reserve the right to change these Terms of Use from time to time without notice to you. You acknowledge and agree that it is your responsibility to review this site and these Terms of Use from time to time and to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgement of the modified Terms of Use and agreement to abide and be bound by the modified Terms of Use.

As used in these Terms of Use, references to our "Affiliates" include our owners, subsidiaries, affiliated companies, officers, directors, suppliers, partners, sponsors, and advertisers, and includes (without limitation) all parties involved in creating, producing, and/or delivering this site and/or its contents.


2. Description of Services


We make various services available on this site including, but not limited to, business consultations and other like services. You are responsible for providing, at your own expense, all equipment necessary to use the services, including a computer, modem, and Internet access (including payment of all fees associated with such access).

We reserve the sole right to either modify or discontinue the site, including any of the site’s features, at any time with or without notice to you. We will not be liable to you or any third party should we exercise such right. Any new features that augment or enhance the then-current services on this site shall also be subject to these Terms of Use.


3. Registration Data and Privacy


In order to access some of the services on this site, you will be required to use an account and password that can be obtained by completing our online registration form, which requests certain information and data (“Registration Data”), and maintaining and updating your Registration Data as required. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete, and accurate.

You also grant us the right to disclose to third parties certain Registration Data about you. The information we obtain through your use of this site, including your Registration Data, is subject to our Privacy Policy, which is specifically incorporated by reference into these Terms of Use.


4. Conduct on Site


Your use of the site is subject to all applicable laws and regulations, and you are solely responsible for the substance of your communications through the site. By posting information in or otherwise using any communications service, chat room, message board, newsgroup, software library, or other interactive service that may be available to you on or through this site, you agree that you will not upload, share, post, or otherwise distribute or facilitate distribution of any content -- including text, communications, software, images, sounds, data, or other information -- that:

  • is unlawful, threatening, abusive, harassing, defamatory, libellous, deceptive, fraudulent, invasive of another’s privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates our rules or policies;
  • victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
  • infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
  • constitutes unauthorized or unsolicited advertising, junk or bulk email (also known as "spamming"), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
  • contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
  • impersonates any person or entity, including any of our employees or representatives.


We neither endorse nor assume any liability for the contents of any material uploaded or submitted by third party users of the site. We generally do not pre-screen, monitor, or edit the content posted by users of communications services, chat rooms, message boards, newsgroups, software libraries, or other interactive services that may be available on or through this site. However, we and our agents have the right at their sole discretion to remove any content that, in our judgment, does not comply with these Terms of Use and any other rules of user conduct for our site, or is otherwise harmful, objectionable, or inaccurate. We are not responsible for any failure or delay in removing such content. You hereby consent to such removal and waive any claim against us arising out of such removal of content. See "Use of Your Materials" below for a description of the procedures to be followed in the event that any party believes that content posted on this site infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party.

In addition, you may not use your account to breach security of another account or attempt to gain unauthorized access to another network or server. Not all areas of the site may be available to you or other authorized users of the site. You shall not interfere with anyone else’s use and enjoyment of the site or other similar services. Users who violate systems or network security may incur criminal or civil liability.

You agree that we may at any time, and at our sole discretion, terminate your membership, account, or other affiliation with our site without prior notice to you for violating any of the above provisions. In addition, you acknowledge that we will cooperate fully with investigations of violations of systems or network security at other sites, including cooperating with law enforcement authorities in investigating suspected criminal violations.



5. Third Party Sites and Information

This site may link you to other sites on the Internet or otherwise include references to information, documents, software, materials and/or services provided by other parties. These sites may contain information or material that some people may find inappropriate or offensive. These other sites and parties are not under our control, and you acknowledge that we are not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites, nor are we responsible for errors or omissions in any references to other parties or their products and services. The inclusion of such a link or reference is provided merely as a convenience and does not imply endorsement of, or association with, the site or party by us, or any warranty of any kind, either expressed or implied.


6. Intellectual Property Information


For purposes of these Terms of Use, “content” is defined as any information, data, communications, software, photos, video, graphics, music, sounds, and other material and services that can be viewed by users on our site. This includes message boards, chat, and other original content.

By accepting these Terms of Use, you acknowledge and agree that all content presented to you on this site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws, and is the sole property of Money Loch Limited and/or its Affiliates. You are only permitted to use the content as expressly authorized by us or the specific content provider. Except for a single copy made for personal use only, you may not copy, reproduce, modify, republish, upload, post, transmit, or distribute any documents or information from this site in any form or by any means without prior written permission from us or the specific content provider, and you are solely responsible for obtaining permission before reusing any copyrighted material that is available on this site. Any unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.

Neither we or our Affiliates warrant or represent that your use of materials displayed on, or obtained through, this site will not infringe the rights of third parties. See “User’s Materials” below for a description of the procedures to be followed in the event that any party believes that content posted on this site infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party.

All custom graphics, icons, logos and service names are registered trademarks, trademarks or service marks of Money Loch Limited or its Affiliates. All other trademarks or service marks are property of their respective owners. Nothing in these Terms of Use grants you any right to use any trademark, service mark, logo, and/or the name of Money Loch Limited or its Affiliates.


7. Unauthorized Use of Materials


Subject to our Privacy Policy, any communication or material that you transmit to this site or to us, whether by electronic mail, post, or other means, for any reason, will be treated as non-confidential and non-proprietary. While you retain all rights in such communications or material, you grant us and our agents and affiliates a non-exclusive, paid-up, perpetual, and worldwide right to copy, distribute, display, perform, publish, translate, adapt, modify, and otherwise use such material for any purpose regardless of the form or medium (now known or not currently known) in which it is used.

Please do not submit confidential or proprietary information to us unless we have mutually agreed in writing otherwise. We are also unable to accept your unsolicited ideas or proposals, so please do not submit them to us in any circumstance.

We respect the intellectual property of others, and we ask you to do the same. If you or any user of this site believes its copyright, trademark or other property rights have been infringed by a posting on this site, you or the user should send notification to our Designated Agent (as identified below) immediately. To be effective, the notification must include:

  1. Identify in sufficient detail the copyrighted work that you believe has been infringed upon or other information sufficient to specify the copyrighted work being infringed).
  2. Identify the material that you claim is infringing the copyrighted work listed in item #1 above.
  3. Provide information reasonably sufficient to permit us to contact you (email address is preferred).
  4. Provide information, if possible, sufficient to permit us to notify the owner/administrator of the allegedly infringing webpage or other content (email address is preferred).
  5. Include the following statement: "I have a good faith belief that use of the copyrighted materials described above as allegedly infringing is not authorized by the copyright owner, its agent, or the law."
  6. Include the following statement: "I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed."
  7.  Sign the paper.
  8. Send the written communication to the following address:


Designated Agent for Claimed Infringement:

Contact: This email address is being protected from spambots. You need JavaScript enabled to view it. for the emailing address

You acknowledge and agree that upon receipt of a notice of a claim of copyright infringement, we may immediately remove the identified materials from our site without liability to you or any other party and that the claims of the complaining party and the party that originally posted the materials will be referred to the UK Copyright Office.


8. Disclaimer of Warranties


ALL MATERIALS AND SERVICES ON THIS SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE SERVICES AND MATERIALS WILL MEET YOUR REQUIREMENTS, (B) THE SERVICES AND MATERIALS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES OR MATERIALS WILL BE EFFECTIVE, ACCURATE OR RELIABLE, OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, OR INFORMATION PURCHASED OR OBTAINED BY YOU FROM THE SITE FROM US OR OUR AFFILIATES WILL MEET YOUR EXPECTATIONS OR BE FREE FROM MISTAKES, ERRORS OR DEFECTS.

THIS SITE COULD INCLUDE TECHNICAL OR OTHER MISTAKES, INACCURACIES OR TYPOGRAPHICAL ERRORS. WE MAY MAKE CHANGES TO THE MATERIALS AND SERVICES AT THIS SITE, INCLUDING THE PRICES AND DESCRIPTIONS OF ANY PRODUCTS LISTED HEREIN, AT ANY TIME WITHOUT NOTICE. THE MATERIALS OR SERVICES AT THIS SITE MAY BE OUT OF DATE, AND WE MAKE NO COMMITMENT TO UPDATE SUCH MATERIALS OR SERVICES.

THE USE OF THE SERVICES OR THE DOWNLOADING OR OTHER ACQUISITION OF ANY MATERIALS THROUGH THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH YOUR AGREEMENT THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITIES.

Through your use of the site, you may have the opportunities to engage in commercial transactions with other users and vendors. You acknowledge that all transactions relating to any merchandise or services offered by any party, including, but not limited to the purchase terms, payment terms, warranties, guarantees, maintenance and delivery terms relating to such transactions, are agreed to solely between the seller or purchaser of such merchandize and services and you. WE MAKE NO WARRANTY REGARDING ANY TRANSACTIONS EXECUTED THROUGH, OR IN CONNECTION WITH THIS SITE, AND YOU UNDERSTAND AND AGREE THAT SUCH TRANSACTIONS ARE CONDUCTED ENTIRELY AT YOUR OWN RISK. ANY WARRANTY THAT IS PROVIDED IN CONNECTION WITH ANY PRODUCTS, SERVICES, MATERIALS, OR INFORMATION AVAILABLE ON OR THROUGH THIS SITE FROM A THIRD PARTY IS PROVIDED SOLELY BY SUCH THIRD PARTY, AND NOT BY US OR ANY OTHER OF OUR AFFILIATES.

Content available through this site often represents the opinions and judgments of an information provider, site user, or other person or entity not connected with us. We do not endorse, nor are we responsible for the accuracy or reliability of, any opinion, advice, or statement made by anyone other than an authorized Money Loch Limited spokesperson speaking in his/her official capacity. Please refer to the specific editorial policies posted on various sections of this site for further information, which policies are incorporated by reference into these Terms of Use.

You understand and agree that temporary interruptions of the services available through this site may occur as normal events. You further understand and agree that we have no control over third party networks you may access in the course of the use of this site, and therefore, delays and disruption of other network transmissions are completely beyond our control.

You understand and agree that the services available on this site are provided "AS IS" and that we assume no responsibility for the timeliness, deletion, miss-delivery or failure to store any user communications or personalization settings.

SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.


9. Limitation of Liability


IN NO EVENT SHALL WE OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR OF ANY WEB SITE REFERENCED OR LINKED TO FROM THIS SITE.

FURTHER, WE SHALL NOT BE LIABLE IN ANY WAY FOR THIRD PARTY GOODS AND SERVICES OFFERED THROUGH THIS SITE OR FOR ASSISTANCE IN CONDUCTING COMMERCIAL TRANSACTIONS THROUGH THIS SITE, INCLUDING WITHOUT LIMITATION THE PROCESSING OF ORDERS.

SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. Indemnification

Upon a request by us, you agree to defend, indemnify, and hold us and our Affiliates harmless from all liabilities, claims, and expenses, including attorney’s fees that arise from your use or misuse of this site. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defences.

11. Security and Password

You are solely responsible for maintaining the confidentiality of your password and account and for any and all statements made and acts or omissions that occur through the use of your password and account. Therefore, you must take steps to ensure that others do not gain access to your password and account. Our personnel will never ask you for your password. You may not transfer or share your account with anyone, and we reserve the right to immediately terminate your account if you do transfer or share your account.

12. Participation in Promotions

From time to time, this site may include advertisements offered by third parties. You may enter into correspondence with or participate in promotions of the advertisers showing their products on this site. Any such correspondence or promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between you and the advertiser. We assume no liability, obligation or responsibility for any part of any such correspondence or promotion.

13. E-mail, Messaging, Blogging, and Chat Services

We may make email, messaging, blogging, or chat services (collectively, “Communications”) available to users of our site, either directly or through a third-party provider. We make available separate supplemental agreements characterizing the relationship between you and us that, except where expressly noted or contradictory, includes these Terms.

We will not inspect or disclose the contents of private Communications except with the consent of the sender or the recipient, or in the narrowly-defined situations provided under the Electronic Communications Privacy Act, or as other required by law or by court or governmental order. Further information is available in our Privacy Policy.

We may employ automated monitoring devices or techniques to protect our users from mass unsolicited communications (also known as "spam") and/or other types of electronic communications that we deem inconsistent with our business purposes. However, such devices or techniques are not perfect, and we will not be responsible for any legitimate communication that is blocked, or for any unsolicited communication that is not blocked.

Mailboxes may have a limited storage capacity. If you exceed the maximum permitted storage space, we may employ automated devices that delete or block email messages that exceed the limit. We will not be responsible for such deleted or blocked messages.

14. International Use

Although this site may be accessible worldwide, we make no representation that materials on this site are appropriate or available for use in locations outside the UK, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, service, and/or information made in connection with this site is void where prohibited.

15. Termination of Use

You agree that we may, in our sole discretion, terminate or suspend your access to all or part of the site with or without notice and for any reason, including, without limitation, breach of these Terms of Use. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities.

Upon termination or suspension, regardless of the reasons therefore, your right to use the services available on this site immediately ceases, and you acknowledge and agree that we may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or this site. We shall not be liable to you or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by us in connection with such termination or suspension.

16. Governing Law

This site (excluding any linked sites) is controlled by us from our offices within London, UK. It can be accessed from UK countries, as well as from other countries around the world. As each of these places has laws that may differ from those of UK, by accessing this site both of us agree that the statutes and laws of the UK, without regard to the conflicts of laws principles thereof and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this site and the purchase of products and services available through this site. Each of us agrees and hereby submits to the exclusive personal jurisdiction and venue any court of competent jurisdiction within the UK with respect to such matters.

17. Notices

All notices to a party shall be in writing and shall be made either via email or conventional mail. Notices to us must be sent to the attention of Customer Service at This email address is being protected from spambots. You need JavaScript enabled to view it. , if by email. Notices to you may be sent to the address supplied by you as part of your Registration Data. In addition, we may broadcast notices or messages through the site to inform you of changes to the site or other matters of importance, and such broadcasts shall constitute notice to you at the time of sending.

18. Entire Agreement

These terms and conditions constitute the entire agreement and understanding between us concerning the subject matter of this agreement and supersede all prior agreements and understandings of the parties with respect to that subject matter. These Terms of Use may not be altered, supplemented, or amended by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for products or services which are subject to additional or altered terms and conditions shall be null and void, unless otherwise agreed to in a written agreement signed by you and us. To the extent that anything in or associated with this site is in conflict or inconsistent with these Terms of Use, these Terms of Use shall take precedence.

19. Miscellaneous

In any action to enforce these Terms of Use, the prevailing party will be entitled to costs and attorneys’ fees. Any cause of action brought by you against us or our Affiliates must be instituted with one year after the cause of action arises or be deemed forever waived and barred.

You may not assign your rights and obligations under these Terms of Use to any party, and any purported attempt to do so will be null and void. We may free assign our rights and obligations under these Terms of Use.

You agree not to sell, resell, reproduce, duplicate, copy or use for any commercial purposes any portion of this site, or use of or access to this site.

In addition to any excuse provided by applicable law, we shall be excused from liability for non-delivery or delay in delivery of products and services available through our site arising from any event beyond our reasonable control, whether or not foreseeable by either party, including but not limited to, labour disturbance, war, fire, accident, adverse weather, inability to secure transportation, governmental act or regulation, and other causes or events beyond our reasonable control, whether or not similar to those which are enumerated above.

If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

Any failure by us to enforce or exercise any provision of these Terms of Use or related rights shall not constitute a waiver of that right or provision.

20. Contact Information

Except as explicitly noted on this site, the services available through this site are offered by Money Loch Limited located in London, UK. If you notice that any user is violating these Terms of Use, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it. .

Any rights not expressly granted herein are reserved.



Money Loch Hosting and Wed Design


Terms and Service

1.    INTRODUCTION
1.1    Money Loch Limited strives to offer all clients a reliable and excellent level of service.
2.     DEFINITION OF OUR TERMINOLOGY AS USED WITHIN THIS DOCUMENT
2.1    The Money Loch Web Design Doctor is the Department responsible for the design and development of your website and it is not separated from Money Loch Limited. Money Loch Limited will be abbreviated as MONEYLOCH in this document.
2.2    Money Loch Limited is registered in the United Kingdom under Limited Companies and our Company Number is 6809424.
2.3    A 'Project' is any work undertaken or service provided by MONEYLOCH for the Client on their request and as described in our confirmation order email to the Client.
2.4    A 'Client' is a person, persons, business or organisations using any of the services provided by MONEYLOCH.
2.5    'Go-Live' means the date the website is available on the Client's chosen domain.
2.6    'Domain' is the website address as specified by the Client.
2.7    ‘Open  Source Software' is software made freely available to anyone under the GNU General Public Licence (GPL).
2.8    At the moment we do not offer Hosting Services, but we will direct the client to a list of companies and the client makes the choice. We are not involved in any agreement made between the Client and the Hosting Company. Hosting duration depends on the company and the package they offer.
2.9    'Content' is both text and images Client requires on the website
2.10    'Writing' is regarded as email or letter correspondence
2.11    'Signed' and binding agreements can be accepted in writing or electronically by email.
2.12    QoS is Quality of Service; SOW- statement of works; NDA- non disclosure agreement.
2.13    Intellectual Property (IP)- Relates to Internationally accepted copyright laws.
2.14    “Attachments” Means Proposal and/or Quotation
2.15    “Standard Hourly Rate” £65.00 per hour or the rate shown in your Support Contract.
2.16    “Emergency/Weekend Hourly Rate” Hourly Rate plus 50%.
3.    Acceptance of terms
3.1    The Conditions set out the only terms on which MONEYLOCH is prepared to provide you with the Services. The Conditions shall apply to all Contracts and by using the Services you accept this. All other terms and conditions (other than those which are agreed in writing between us) are excluded to the fullest extent permitted by law. MONEYLOCH reserves the right to review and revise the Conditions from time to time without prior notice and, by using the Services subsequent to any revision of these Conditions; you agree to be bound by such changes.



4.    GENERAL


4.1    These terms and Condition supersede any previous Terms and Conditions distributed in any form. MONEYLOCH reserves the right to change any rates and any of the Terms and Conditions at any time without prior notice.
5.    HEADINGS
5.1    Headings are included in this Agreement for convenience only and shall not affect the construction or interpretation of this Agreement.
6.    PROJECT ACCEPTANCE
6.1    The works to be carried out shall be set out in MONEYLOCH sales order document. The minimum contract period is 12 months unless separately agreed.
7.    COMMUNICATION
7.1    email will be the method of contact with regard to all communication. Although we can be contacted by telephone, we will use email as our auditable method of communication and therefore it is the Client's responsibility to inform us of any change in email address so we always have up to date email contact details. MONEYLOCH cannot be held liable in any way relating to communication issues if we are not supplied a valid email address. MONEYLOCH will acknowledge all emails within seconds of sending through our auto response and we will answer any query within 2 to 5 working days. We will give you a general email (not personal) so that the project can be handled by the team with the specific Project Manager heading the team being in charge. This is to ensure your work is not delayed or neglected in case there are staff movement.
7.2    It is important that Client keep on contact with MONEYLOCH throughout the entire project. If a Client does not make contact for 1 week we will make up to 5 attempts to contact the client either by email and telephone using the contact details supplied to us by the client. If we do not receive a response to these attempts of contact the Project may be terminated, and the deposit will not be refunded. We can still demand for extra expenses depending on the stage we are with the project before its termination.


8.    DESIGNING


8.1    All work is carried out by MONEYLOCH on the understanding that the client has agreed to MONEYLOCH terms and conditions by signing the written estimate or quotation/sales agreement. Copyright is retained by MONEYLOCH on all design work including words, pictures, ideas, visuals and illustrations unless specifically released in writing or after all costs relating to the specific project have been settled. If a choice of design is presented, only one solution is deemed to be given by MONEYLOCH as fulfilling the contract. All other designs remain the property of MONEYLOCH, unless agreed in writing that this arrangement has been changed. Charges for design services to be provided by MONEYLOCH will be set out in writing. At the time of the customers signed acceptance of all estimate or quotation, indicating acceptance of the Terms & Conditions, a non-refundable deposit as set out by the written estimate or quotation will become immediately due. Work on project will not commence until MONEYLOCH has received this amount. Charges for any additional services over and above the estimated design, will become fully payable (100% of the quoted amount) at the time of estimate or quotation acceptance unless credit terms have been previously agreed.


9.    WEBSITE DESIGN ONLY


9.1    Once website design is complete, MONEYLOCH will provide the client with the opportunity to review the resulting work. MONEYLOCH will make two set of major changes if there are any without any extra cost within 14 days at the start of the review period. Minor changes include small textual changes and small adjustments to placement items on the page. It does not include changes to images, colour schemes or any navigational features as these have been made during the project stage. Any minor changes should be notified to MONEYLOCH by mail and confirmed by post for the attention of the Project Manager, Money Loch Web Design Doctor.


10.    ANIMATION & FLASH CONTENT


10.1    Any reference to flash content means that which is simple, template or modular, that is it should take a developer no more than 10mins to implement. Complex scripting such as advance flash or coded animation will always incur a per hour fee related to the level of complexity. Such fees are displayed on our standard consultancy fee sheet.
10.2    MONEYLOCH will consider that the client has accepted the original draft, if no notification of changes is received in writing from the client within 14 days of the start of the review period.
11.    DESIGN PORTFOLIO
11.1    The customer agrees to allow MONEYLOCH to showcase the clients website or branding on any site within MONEYLOCH Groups and permits reciprocal linking.


12.    DESIGN PROJECT COMPLETION


12.1    MONEYLOCH considers the design project complete upon receipt of the customers signed Approval form. Other services inter alia printing, website uploading, contracted on the client’s behalf constitute a separate project and can be treated as a separate charge.
12.2    A project is deemed complete when the requirements detailed in the authoritative Project Brief are fulfilled by MONEYLOCH. Project Acceptance is otherwise implied by;
12.2.1    Written acceptance of the project by Client,
12.2.2    Use and/or distribution of files or designs by Client,
12.2.3    Failure of Client to respond to requests for information after 14 calendar days.


13.    RIGHTS OF ACCESS FOR WEBSITE CONSTRUCTION


13.1    The client agrees to allow MONEYLOCH all necessary access to computer systems and other locations, as required, in order to complete a website project and until due funds are cleared, including the necessary read write permissions, usernames and passwords. The client also agrees to all MONEYLOCH access to any computer systems, usernames and passwords required to remove data and/or sites for failure to comply with these Terms and Conditions.
13.2    The client agrees to supply MONEYLOCH with all necessary materials, electronic, or otherwise, required to create and complete the project, and to supply them in a timely manner. Any and all delays in the supply of the aforementioned materials will be logged in our project management process and thus we cannot be held liable for any deadlines not to met in the project.


14.    WEB HOSTING AND EMAIL


14.1    This service only applies if we are responsible for hosting your web site on our Moneyloch Hosting Servers. In exchange for the fees you pay in advance, we will host your website on one or more of our servers, so long as you abide by the terms and conditions that are set out on this page, and in any other agreements that relate to the services we may provide to you. We will provide the services according to the specifications listed for the hosting package you select during the signup process. For clarity, on this page, the term "services" refers to the web hosting services that we will provide to you and, if you are an Affiliate, the services we provide to you in connection with that program. The term “Moneyloch” or “us” or “we” refers to Money Loch Hosting Services
14.2    Permission to Host Your Content. For us to host your website, it is necessary for you to upload your content to our servers. When you do this uploading, you are creating one or more copies of your content on our system. By purchasing hosting services from us, you acknowledge that these copies are being made, and give us the permission (a license) to maintain these copies and make them available to users of the Internet. You are solely responsible for providing all of the content and other data that make up your website.
14.3    When the service will be available. We will attempt to provide the services 24 hours a day, 7 days a week for as long as you have paid for them. Sometimes, however, for a number of reasons, the services may be unavailable to you. You must recognize and acknowledge that due to the nature of web hosting technology, occasional unavailability of the services cannot be avoided. Sometimes there are equipment malfunctions. At other times we undertake periodic maintenance procedures or repairs. Still other times, there are causes beyond our control like power failures, interruption or failure of telecommunication or digital transmission links, hostile network attacks, network traffic and other occurrences. We have not promised to provide you with uninterrupted service. However, as a customer of Moneyloch you have our promise of a 99.9% monthly uptime guarantee. The uptime guarantee excludes scheduled maintenance, server upgrades, or any customer caused server downtime including site suspension for CPU and memory overages. If you feel that Moneyloch has failed to deliver 99.9% uptime for your paid month of hosting, then you must contact us directly by email or in writing before compensation will be issued. If the downtime results in compensation, it will be credited to your next bill and will not exceed the amount you had paid for that month of hosting - which excludes domain registrations and add-on services.
14.4    Personal Information. When you place an order for our services, your personal information, including your credit card information, is transmitted via the use of Secure Socket Layer technology, the industry standard for encrypting sensitive information. We take your privacy very seriously, and as such, will not sell your personal information to third party (other than a company that may purchase Moneyloch), and will take reasonable steps to keep it from being disclosed to any third party. Read more in our Privacy Policy.
14.5    Verification. There are instances in which we may require verification for your order you may send us the following form located here. You can send it to our  address This email address is being protected from spambots. You need JavaScript enabled to view it. Verifications are reviewed by our billing department and are deleted and destroyed afterwards. We strongly believe in your privacy and protection of your sensitive information.
14.6    Cancellation. As we explain in this paragraph, we offer you a money-back guarantee on all shared hosting plans not on a dedicated server if you cancel with us during the first 30 days. Unfortunately all our plans are hosted on a dedicated server. Please note, Dedicated plans ARE NOT ELIGABLE for the money-back guarantee. And here is how our cancellation policy works. It is very simple. If you cancel your account within 30 days of first signing up, we will provide you with a full refund excluding any setup fees that were charged when you signed up, and excluding domain registration fees. The only way to cancel your account is by submitting information through our cancellation form, which is located at http://cancel.moneyloch.com. Upon completion of this cancellation process, your account will be terminated immediately.
14.7    If we register a domain name for you as part of your hosting package with us, and you decide that you want to cancel your account during the first 30 days, then we will deduct the cost of the domain name from the money we refund you. Domains are NOT eligible for a refund. If you cancel your account after the first 30 days have passed, or after your account is renewed then unfortunately we will not be able to issue any refunds. Please note: upgrades to hosting service, domain registration and transfer and SSL certificates are non-refundable. Our policy regarding web design services is as follows: We do not issue refunds once we have started work. If you order design services and cancel before we have started working on the design and before 30 days have passed then we will refund the full cost of the design service. In addition, we do not offer refunds on dedicated server plans as they are month to month and there are no contracts involved. Where there is a contract we gave a huge discount and when cancelling we will calculate as per month to month rota meaning the discount will no longer be effective then we can refund you the balance
14.8    Moneyloch also reserves the right to cancel your account with 72 hours’ notice should an event occur in which proper evidence exists that a customer was exceptionally rude or vulgar in communications with our staff or if the account has a detrimental effect on the services of other users and/or causes any other users to have a reduced or disproportionate level of service.
14.9    Automatic Renewal. When you sign up, your Moneyloch account will be enabled with auto renewal, which means that when your renewal date arrives, your hosting plan and domain will be renewed. When it is time for renewal, the credit card you have on file with us will also be charged. If you wish to not have this happen, and you would not like to renew your account, you must cancel 14 days prior to your renewal date. If you have any questions as to when your renewal date is, simply login to core.moenyloch.com, or give us a call. If you fail to cancel 14 days prior to renewal, your account will be renewed for a new term, so please be sure to fill out the cancellation form located above if you do not want to renew. The renewal fee will become non-refundable as soon as it is charged. Your account renew dates are always listed in core.moneyloch.com.
14.10    If more than 14 days pass from the date on which any invoice for the hosting services is issued to you and we have not received payment in full, we will suspend your account, which means that your data and website will not be available. If in the following 30 days you pay all amounts due, bringing your account up to date, we will take your account out of suspension and the data will be available again. If, however, 30 days pass from the date on which your account was renewed and you have not made payment in full, Moneyloch shall have the right to delete all data you have uploaded to the servers. You hereby acknowledge that this is Moneyloch policy when it comes to data retention, and waive all rights in and to your data in these situations.
14.11    All advertised promotions, discounts, or special offers valid for the first term only on 12 month billing cycles or longer unless otherwise stated.
14.12    Backups. Managed Services – Shared and Reseller. Moneyloch cannot guarantee that the contents of a Website will never be deleted or corrupted, or that a backup of a Website will always be available, accurate or complete. You shall have sole responsibility for undertaking measures to maintain independent archival and backup copies of your content, and for checking the accuracy of your Website hosted by Moneyloch from time to time. We have the right, but not the obligation, to make backup copies of the data you upload to our Moneyloch servers. Moneyloch does store on a temporary basis backups which are intended for our disaster recovery
14.13    Unmanaged Dedicated Servers. You shall have sole responsibility for undertaking measures to maintain independent archival and backup copies of your content, and for checking the accuracy of your Website hosted by Moneyloch from time to time.
14.14    Website Security. Moneyloch.com utilizes advanced, industry standard, tools and protocols to keep our servers secure and to mitigate potential threats. These tools cannot secure against all possible threats however. Because of this, it is customer's sole and exclusive responsibility to determine if the security measures Moneyloch employs are appropriate for their needs. In particular, customers must ensure that scripts, applications, or programs used in conjunction with their website/account are secure and up to date. This includes, but is not limited to, updating scripts, applications, or programs to the latest secure version available; maintaining and updating of passwords or other login credentials on an on-going basis to ensure the security of their site and the security of other users on the server. Any scripts, applications, or programs available via the control panel interface are solely the customer's responsibility to update and secure. Moneyloch will not be liable for loss or damages of any kind, under any legal theory, caused by the customer’s failure to comply with the foregoing security obligations or caused by any person to whom the customer grants access to the services we provide.
14.15    Customers agree to notify Moneyloch.com no later than thirty minutes of their discovery of any unauthorized uses of their services or any other breaches of security, and to cooperate fully, at Customer's expense, with any investigation and mitigation activities Moneyloch.com deems necessary.
14.16    Acceptable Use/Illegal Activity. Moneyloch strives to maintain a high-level of service, and a lot of customers depend on our high standards of quality. As such, we will not provide services to those that are using our services for:
14.17    Hacking, which includes, for example penetrating or attempting to access, without authorization, another computer or network? Port scans, stealth scans, and fraudulent credit card "phishing" techniques are also prohibited.
14.18    Hosting of files or other data that infringes on another's copyright or other intellectual property rights.
14.19    Spamming, or sending of bulk unsolicited email. We maintain a strict policy on spamming, which includes the sending of unauthorized commercial messages by use of our services, or by maintaining an open SMTP connection. We reserve the right to refuse or terminate service based on reasonable indications that you are engaged in spamming of any sort.
14.20    Uploading or linking to any content that violates another's right of publicity or privacy.
14.21    Distributing hate speech, or any other content that is obscene, abusing, which could be considered libellous and defamatory
14.22    Hosting, storing, or distributing child pornography. If any such content is found and brought to our attention, the proper law enforcement agencies will be notified.
14.23    Our Hosting Packages are not to be used as a backup service. All stored files that reside on your account must be directly related to your web site. Archiving MP3, video, images or backups is prohibited on our hosting packages. If you need these abilities we recommend that you upgrade to a dedicated server.
14.24    Hosting, storing, or distributing pornographic material. This includes sites that may provide links to adult content elsewhere. In addition, our servers and services may not be used for the propagation, distribution, housing, processing, storing or otherwise handling in any way lewd, obscene, or satanic materials.
14.25    Moneyloch does not allow the hosting of proxy websites on any of our shared hosting plans.
14.26    Moneyloch does not allow the Camfrog software to be run on Moneyloch servers. Camfrog is being defined as the software downloaded from camfrog.com or other mirror sites.
14.27    When These Terms Take Effect. This agreement becomes effective once you submit your order with us or open an account with us for web hosting services of any kind or open an account in any of our services. If you are an existing customer, and you do not agree with the terms herein, please cancel your account. Otherwise, if you sign up for or continue to use the services, you agree to what is written here. If you have any questions regarding these terms of service, feel free to call us for clarification.



15.    DESIGN PROJECT DURATION


15.1    Any indication given by MONEYLOCH for the project design duration is to be considered by the customer to be estimated. MONEYLOCH cannot be held responsible for any projects over-runs, whatever the cause. Estimated project duration should be deemed to be from the date that cleared funds are received by MONEYLOCH for the initial payment or by date confirmed in writing to MONEYLOCH, also all relevant content and images needed has been received by MONEYLOCH.

Business Consultation, Event Planning and Procurement
Terms of service


1.    BUSINESS CONSULTANT


1.1    Money Loch Limited will provide the services (“Services”) as described in each Statement of Work (“SOW”).  A SOW may only be amended or modified by a written change control document signed by authorized representatives of Money Loch Limited and Customer.  In the event of any conflict between this Agreement and an applicable SOW, the SOW shall govern, but only as to that specific SOW.
1.2    Customer’s Duties and Responsibilities.  Customer shall make available in a timely manner at no charge to Money Loch Limited all technical data, computer facilities, programs, files, documentation, test data, sample output, or other information and resources reasonably required by Money Loch Limited for the performance of the Services.  Customer will be responsible for, and assumes the risk of any problems resulting from, the content, accuracy, completeness and consistency of all such data, materials and information supplied by Customer.  Customer shall provide, at no charge to Money Loch Limited, office space, services and access to equipment (such as copiers, fax machines, and modems) as Money Loch Limited may reasonably require to provide the Services.
1.3    Relationship of Parties.  Each party will be and act as an independent contractor and not as an agent or partner of, or joint venture with the other party, and neither party will by virtue of this Agreement have any right, power or authority to act or create any obligation, express or implied, on behalf of the other party.
1.4    Confidentiality.  See our Site term and services
1.5    Consulting services performed by Money Loch Limited relate to Money Loch Limited software products and technology.  As a result, Money Loch Limited retains all right, title and interest in and to the materials, deliverables, Services and work product provided under each SOW, including patents, trademarks, copyrights (including the right to any derivative works), and all other intellectual property rights.  The materials, deliverables, Services and work product shall not constitute “works made for hire.” Customer agrees to assign all right, title, and interest in the foregoing to Money Loch Limited.  Notwithstanding anything to the contrary in this Agreement, Money Loch Limited shall obtain no right, title or interest in any of Customer’s Confidential Information.
1.6    Money Loch Limited grants to Customer a nonexclusive, non-transferable, royalty-free license to use the deliverables solely for Customer’s internal use, pursuant to the applicable license or subscription agreement relating to the Money Loch Limited software product at issue.  Support for customizations or deliverables is not provided under the Money Loch Limited support agreement (or any SOW unless specified therein) unless any issues also apply to the generally-available product.
1.7    Customer Security Regulations/Work Policy.  Customer shall provide to Money Loch Limited, and Money Loch Limited shall ensure that its personnel or subcontractors make commercially reasonable efforts to comply with Customer’s security regulations.  Unless otherwise agreed to by both parties, Money Loch Limited’s personnel (including its subcontractors) will observe the working hours, working rules, and holiday schedules of Customer while working on Customer’s premises provided that Money Loch Limited’s personnel are provided reasonable prior notice of all such hours, rules and schedules.
1.8    Warranty and Disclaimer.  Refer to our Site Terms and Service document.
1.9    Limitation of Liability.  Refer to our Site Terms and Service document.
1.10    Consequential Damages Waiver.  IN NO EVENT SHALL MONEY LOCH LIMITED OR ITS SUPPLIERS OR SUBCONTRACTORS BE LIABLE UNDER THIS AGREEMENT FOR (A) ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA, OR ANY OTHER INDIRECT DAMAGES EVEN IF SUCH PARTY HAS BEEN INFORMED OF THE POSSIBILITY THEREOF, OR (B) ANY COSTS OR EXPENSES FOR THE PROCUREMENT OF SUBSTITUTE EQUIPMENT OR SERVICES.
1.11    Term and Termination.
1.11.1    The term of this Agreement shall commence on the Effective Date stated in the Order Form and shall continue in full force unless terminated 5 days after the stated date.
1.11.2    This Agreement or any SOW may be terminated for convenience by either party upon thirty (30) days prior written notice.  Any such termination shall not relieve either party of their respective obligations under any SOW in effect at the date of termination of a SOW or the Agreement (which obligations shall remain in effect for such SOW), except as otherwise mutually agreed in writing by the parties.
1.11.3    Failure by either party to comply with any material term or condition under this Agreement or a SOW issued hereunder shall entitle the other party to give the party in default written notice requiring it to cure such default. If the party in default has not cured such default within thirty (30) days of receipt of notice, the notifying party shall be entitled, in addition to any other rights it may have, to terminate this Agreement (and all SOWs issued hereunder) and/or the individual SOW by giving notice effective immediately. 
1.11.4    This Agreement or individual SOW may be terminated immediately by either party through written notice in the event that either party ceases to carry on business as a going concern, becomes the object of the institution of voluntary or involuntary proceedings in bankruptcy or liquidation, or a receiver is appointed with respect to a substantial part of such party's assets.
1.11.5    Upon termination of this Agreement and/or any SOWs, Customer shall pay Money Loch Limited for all work performed under the affected SOW(s) up to the effective date of termination. In addition Customer agrees, within ten (10) days after termination, to deliver to Money Loch Limited at Money Loch Limited’s discretion either: (i) the original and all copies of the Deliverables and related materials received by Customer in connection with the terminated work for which Money Loch Limited has not been paid in the course of performance; or (ii) a certificate certifying that Customer has destroyed the original and all copies of such Deliverables and related materials.
1.11.6    The rights and remedies of Money Loch Limited provided in this Section shall not be exclusive and are in addition to all other rights and remedies provided at law, in equity or otherwise under this Agreement or SOWs hereunder.
1.11.7    Assignment and Subcontracting.  Customer shall not assign or transfer any obligations or benefits under this Agreement without the prior written consent of Money Loch Limited.  Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties and their respective successors and permitted assigns.  The Services may be provided by Money Loch Limited or individuals or organizations employed by or under contract with Money Loch Limited, at the discretion of Money Loch Limited, provided that Money Loch Limited shall be responsible for the performance of such individuals or organizations.
1.11.8    Force Majeure.  Except for payment obligations, each party shall be excused from any delay or failure in performance hereunder caused by reason of occurrence or contingency beyond its reasonable control.
1.11.9    Solicitation of Employees.  Customer acknowledges and agrees that the employees and consultants of Money Loch Limited performing the Services are a valuable asset to Money Loch Limited and are difficult to replace.  Accordingly, Customer agrees that, for a period of one (1) year after the completion of the Services, it will not offer employment as an employee, independent contractor, or consultant to any Money Loch Limited employee or consultant (including employees or consultants of Money Loch Limited’s subcontractors) who perform any of the Services. 
1.11.10    Affirmative Action/Equal Opportunity Employer.  Money Loch Limited is an Affirmative Action/equal employment opportunity employer who will employ qualified individuals with disabilities and qualified protected veterans.



2.    EVENT PLANNING AND WEDDING PLANNING
2.1    The Agreement shall be on these Terms, incorporating the terms on any Booking, to the exclusion of all other terms and conditions. If any conflict arises between these Terms and the terms of the Booking, the terms of the Booking shall prevail.
2.2    The Agreement will commence when you sign and return your booking and shall terminate upon delivery of the Services or as otherwise detailed in accordance with these Terms.
2.3    We will provide the wedding and event planning Services, which may include without limit, the provision of: Full Event Planning Service, Partial Event Planning Service, On the day Coordination, Venue Management and associated products, on dates and at locations as are more specifically defined and confirmed within Your Booking.
2.4    Unless otherwise stipulated in Your Booking You will be responsible for entering into contracts with suppliers directly.
2.5    Any additional work undertaken at your request, including without limit, additional meetings and/or site visits, or as a result of delays outside our reasonable control will be separately chargeable at Our then current standard hourly rate.
2.6    You are responsible for:
2.7    Ensuring your instructions to us is clear.
2.8    Notifying us of any special considerations you or your guests may have.
2.9    Ensuring the health, safety and welfare of any persons delivering the Services to You, where such persons are present at Your sites.
2.10    Being on time to any planned meetings or events.
2.11    Making any payments due to Us in a timely manner.
2.12    Managing your budget
2.13    Entering into contracts with Suppliers and ensuring you have read and understood them
2.14    Executing appropriate policies of insurance, (where relevant) to cover your liabilities under this contract or otherwise.

2.15    We are responsible for: Delivering the Services with all reasonable skill and care, and in full compliance of relevant established current professional standards.
2.16    You hereby appoint us as agents to act on your behalf in dealing with suppliers as part of Our Services under this Agreement. In Our capacity as agents we reserve the right to make any operational changes deemed necessary and/or in your best interest. Where changes result in an increase to the amount of money paid to a supplier that is in excess of 10% of the original contract value we will notify you prior to making the change.
2.17    We will only accept direction from the persons named in the Booking, unless prior written approval is received instructing Us to do otherwise.
2.18    We will retain ownership of any Materials delivered as part of the Services. You will be responsible for ensuring that any Materials, including their packaging, supplied to you as part of the Services remain in satisfactory condition and are fully insured on a full replacement value basis.
2.19    Price and Payment: The price for the Services will be set out in the Booking and will be subject to any applicable UK taxation, including where relevant, VAT.
2.20    Expenses will be charged in addition to the price for the Services and may include, without limitation, mileage at the Inland Revenue's then current rates and hotel expenses charged at cost. All expenses will be agreed prior to being incurred.
2.21    Payment is required as follows:

2.21.1    Full Event Management: A 25% deposit is payable with your Proposal, two further stage payments of 25% will payable in accordance with the schedule detailed in your Proposal. The final balance is payable within 14 days of your event date.
2.21.2    Partial Event Planning: A 50% deposit is payable with Your Proposal, the final balance is payable within 14 days of your event date.
2.21.3    On the Day Co-ordination: Full payment is required with your proposal.
2.21.4    Venue Management: When working in accordance with a specific Venue, payment to Us will fall in line with Your contract with the Venue.
2.21.5    Cancellation: You can exercise your right to cancel by delivering or sending (including by electronic mail) a notice of cancellation in writing to: This email address is being protected from spambots. You need JavaScript enabled to view it. at any time within the period of 7 days starting on the date you receive your copy of this Agreement. Your notice of cancellation is deemed to be served as soon as it is sent to us by email.
2.12.6    Please note you may be required to pay for goods and services supplied to you by us prior to receiving your notice of cancellation if you requested in writing that these goods or services should be delivered before the end of the cancellation period.
2.21.7    If you have entered into a credit agreement with us this will automatically be cancelled when you send your notice of cancellation.
2.22    Once a Booking has been accepted and the statutory right to cancel period has expired the cancellation terms contained below apply:
2.22.1    Full Event Management: Your Complete Co-ordination Service may be cancelled on receipt of 3 months’ notice.
2.22.2    Partial Event Management: Your Finishing Touches Service may be cancelled on receipt of 1 months’ notice.
2.22.3    On the Day co-ordination: Your on the Day Co-ordination Service may be cancelled at any time.
2.23    In all events we will retain any deposits or retainer fees paid and any stage payments or other payments made prior to the cancellation date.
2.24    Payment for any Services already commenced, whether partially or fully completed and/or any stage payments falling due prior to the cancellation date will be required immediately, without limit, this includes payment for time already spent during consultations and in researching Your Booking.
2.25    All cancellation requests must be received and agreed in writing by Us.
2.26    The date on which the letter, fax or email is received by Us will be deemed as the date the request has been made.
2.27    Force Majeure: If either party is subject to an event of Force Majeure, that is circumstances outside its reasonable control, including but not limited to war, fire, industrial disputes or civil commotion, it shall notify the other and the first party's obligations under these Terms shall be suspended until it notifies the other party of the end of such event of Force Majeure.
2.28    As a paid Member, you may elect to use designer stationery. This service is provided by a third party and additional costs may apply
2.29    We acknowledge that you retain copyright in the information and photographs that you provide/upload to Money Loch. You automatically grant Money Loch the royalty-free, non-transferable licence to use any information you provide for the sole purpose of providing you with the services. We may contact you from time to time to request that we can use your copyrighted information for other purposes, but will not do so without your permission.
2.30    Money Loch does not moderate any content that is placed on your website. If we receive a complaint with regards to any content that has been posted/uploaded to your site we will email you at the address registered to the account and request that you remove the content in question within 7 days. If you do not remove the content within 7 days we reserve the right to suspend your account until such time as the content is removed.
2.31    We will not be liable for accidental loss or damage to your copy, including artwork and photographs, in any format. Accordingly, our liability for non-accidental damage to your copy will be limited to the value of the medium in which they are embodied.

3.    PROCUREMENT OF GOODS AND SERVICES
3.1    Money Loch agrees to provide the Goods and/or Services to the Customer in accordance with the Agreement.
3.2    In carrying out the Services Money Loch undertakes to the Customer that it shall use its reasonable endeavours to undertake the Services in accordance with good scientific practice and within the time period agreed between the Parties and at all times exercising reasonable skill and care.
3.3    Nothing in the Agreement implies that Money Loch will provide the Goods and/or Services or services of this type for the Customer exclusively.
3.4    All materials and items of equipment which are to be supplied by the Customer to Money Loch for the purpose of the Services shall be delivered, assembled, maintained, dismantled and collected upon termination or expiry of the Agreement or at Money Loch’s request, at the Customer's cost and in accordance with the requirements of the Money Loch staff responsible for the Services.
3.5    Risk in any materials or items of equipment supplied by the Customer to Money Loch shall remain with the Customer at all times. All equipment and other accessories (except those owned and provided by the Customer) and all materials obtained by Money Loch and/or used for the purposes of the Services shall remain the property of Money Loch.
3.6    If the Services involve the Customer's employees attending Money Loch’s premises, the Customer shall remain responsible for their salaries and other associated costs. The Customer will ensure that such employees are informed of the provisions of the Official Secrets Act and agree to abide by its provisions. The Customer will procure that such employees comply with all security, health and safety, and other relevant procedures whilst on Money Loch premises. Money Loch may at any time at its absolute discretion refuse to accept or continue to accept any particular employee of the Customer on its premises. Money Loch is under no obligation to allow the Customer's employees to witness the Services being carried out.
3.7    No order for the supply of Goods and/or Services is binding on Money Loch  unless and until it has been accepted by Money Loch  in writing.
3.8    Time shall not be of the essence in relation to the provision of the Goods and/or Services by Money Loch to the Customer.
3.9    Web Based Services: refer to our site user policy document
3.10    Delivery of the Goods shall be at the time and date and in the manner specified by Money Loch or as otherwise agreed with the Customer.
3.11    Time of delivery shall not be of the essence. Stated delivery times are an estimate only and, subject to the other provisions of the Agreement, Money Loch will not be liable for any loss (including loss of profit), costs, damages, charges or expenses caused directly or indirectly by any delay in the delivery of the Goods nor will any delay entitle the Customer to terminate or rescind the Agreement.
3.12    If the Customer refuses or fails to take delivery of the Goods within the Customer’s normal working hours on the date of delivery, or if Money Loch  is unable to deliver the Goods on time because the Customer has not provided appropriate instructions, documents, licences or authorisations, Money Loch  may store the Goods and the Customer shall in addition to the price payable pay all related costs and expenses (including without limitation, the costs for storage and insurance) and additional delivery costs incurred by Money Loch  and if the Customer fails to take delivery of or to collect the Goods (as appropriate) after fourteen (14) days following the date of delivery, Money Loch  may rescind the Agreement and sell the Goods to a third party if possible or recover damages.
3.13    Money Loch shall use its reasonable endeavours to comply with the reasonable requests made by the Customer to postpone delivery of the Goods but shall be under no obligation to do so.
3.14    If Goods are delivered in instalments, each delivery shall constitute a separate Agreement. Any failure by Money Loch to deliver or any claim by the Customer in respect of any one or more of the instalments in accordance with this Agreement shall not entitle the Customer to treat the Agreement as a whole as repudiated.
3.15    Money Loch reserves the right to change the batch of the Goods at any time and Goods may be delivered which originate from one or more different batches.
2.16    Money Loch reserves the right, at its sole option, to cancel or withhold the delivery of any Goods and/or Services, (whether in whole or in part):
2.15.1    until receipt of satisfactory credit reference in respect of any Customer; and/or
3.15.2    where the supply of such Goods and/or Services would exceed any credit limit which Money Loch  may, in its absolute discretion, have granted to the Customer; or
3.15.3    the Customer is in breach of any of the terms of the Agreement.
3.16    Packaging supplied by Money Loch, unless otherwise expressly agreed in writing, is intended to provide adequate protection in normal conditions of transit of expected duration.
3.17    Due to the nature of the Goods to be supplied, the Customer shall be responsible for ensuring the Goods are kept in adequate storage conditions once delivered in accordance with this clause, including but not limited to protecting the Goods against the effects of humidity and temperature.
3.18    Unless stated otherwise, risk in the Goods shall pass to the Customer (the Customer is then responsible for all loss or deterioration of the Goods or for any damage occurring) upon delivery
3.19    Title to the Goods shall remain with Money Loch until any and all sums due or payable by the Customer to Money Loch, under this Agreement or under any other contract between the Customer and Money Loch is made in full and cleared funds. For international procurement agreed fees must be paid in full before the commencement
3.20    The Customer shall only be entitled to claim in relation to defects in the Goods as supplied which are apparent on visual inspection if the Customer inspects the Goods and a written complaint specifying the defect is made to Money Loch within seven (7) days of delivery, and Money Loch is given an opportunity to inspect the Goods and investigate any complaint before any use of or alteration to or interference with the Goods.
3.21    If a complaint is not made to Money Loch in accordance with these terms, the Goods shall be deemed to be in all respects in accordance with the Agreement (subject only to this agreement) and the Customer shall be bound to pay the Price for such Goods.
3.22    The Customer shall only be entitled to claim in respect of defects in the Goods supplied which are not apparent on visual inspection at the time of delivery if:
3.22.1    a written complaint is sent to Money Loch  as soon as reasonably practicable after the defect is discovered and subsequently no use is made of the Goods or alteration or interference made to or with the Goods before Money Loch  is given the opportunity to inspect the Goods in accordance with clause 6.4 below; and
3.22.2    the complaint is sent within 30 days of the date of delivery of the Goods.
3.23    The Customer shall not be entitled to claim in respect of any defect arising by reason of fair wear and tear or damage due to accident, neglect or misuse, nor in respect of any Goods to which alterations have been made without Money Loch’s consent.
3.24    Money Loch shall not be liable for (and the Customer shall indemnify and keep indemnified Money Loch against) any and all claims whatsoever arising from loss or damage suffered by reason of use of the Goods after the Customer becomes aware of any defect or after circumstances have occurred which should reasonably have indicated to the Customer the existence of a defect.

3.25    6.4 Money Loch may within fifteen (14) days of receiving a written complaint in accordance with our terms (or twenty-eight (28) days where the Goods are situated outside the UK) inspect the Goods and the Customer if so required by Money Loch  shall take all reasonable steps necessary to enable it to do so (including delivery of such Goods to Money Loch  at Money Loch 's request at the Customer's cost). For the avoidance of doubt, no Goods should be returned to Money Loch  without Money Loch 's prior consent.
3.26    If the Goods delivered under this Agreement are found by Money Loch  to be defective Money Loch  will following delivery (at Money Loch 's request) of such defective Goods to Money Loch  by the Customer, following return of the defective Goods to Money Loch , at its sole option, either:
3.26.1    supply satisfactory substitute Goods free of cost and within a reasonable time; or
3.26.2    repay the Price of the Goods in respect of which the complaint has been made.
3.27    The Customer shall indemnify and keep indemnified Money Loch from and against any and all actions, claims, costs, liabilities and proceedings which arise due to the manufacture of the Goods by Money Loch  being in accordance with specifications provided by the Customer if such specifications are inaccurate or contain defects or if they infringe or are alleged to infringe any patent, copyright, design right, registered design or any other third party intellectual property rights.
3.28    Money Loch does not guarantee suitability of materials or design of Goods made especially to the Customer's requirements even if the purpose for which the Goods are acquired is known to Money Loch.
3.29    All Goods must be used strictly in accordance with the instructions, recommendations and specifications (if any) of Money Loch.
3.30    Money Loch accepts no liability for any losses arising due to:
3.30.1    any use of the Goods which is not in accordance with any such instructions referred to in clause 8.3 above; or
3.30.2    any use of the Goods for a purpose which has not been specified by Money Loch .
3.31    Without prejudice to the generality of the foregoing, all recommendations and advice given by or on behalf of Money Loch  as to the methods of storage or use of the Goods and the suitability of using such Goods in manufacturing processes or in conjunction with any other materials are given without liability on the part of Money Loch .
3.33    The Customer shall provide Money Loch , in a timely manner, with all such information and materials as are necessary for Money Loch  to carry out the Services and/or provide the Goods in accordance with this Agreement and the Customer warrants that all information provided by it or on its behalf to Money Loch  will be accurate. The Customer further warrants that it will give Money Loch  written notice of any hazards, known or suspected, by the Customer that might potentially arise in the use of such materials or information.
3.34    The Customer warrants that it has the necessary rights and is entitled to use or disclose for the purposes of the Services all Intellectual Property licenced by it to Money Loch  for the purposes of carrying out the Services.
3.35    The Customer warrants that they shall not, without Money Loch’s prior written consent, for one year following the termination or expiry of this Agreement solicit or entice away from Money Loch or employ or attempt to employ any person who is, or has been, engaged as an employee or sub-contractor of Money Loch in the provision of the Services and/or Goods.

3.36    The Customer warrants that they have obtained all necessary licences, approvals, permits or authorities required in relation to the Goods and/or Services and the Customer accepts full responsibility and liability in respect of any failure to obtain such permissions.
3.37    If Money Loch 's performance of its obligations under this Agreement is prevented or delayed by any act of omission of the Customer, its agents, sub-contractors or employees, Money Loch  shall not be liable for any costs, charges or losses sustained or incurred by the Customer arising directly or indirectly from such prevention or delay.