Unless otherwise stated, Klifora and its licensors own the intellectual property rights to all material on this website. You’re welcome to access this content for your own personal use, subject to the restrictions below.

Without our permission, you must not:

• Republish material from this website
• Sell, rent or sub-license material from this website
• Reproduce, duplicate or copy material from this website
• Redistribute content from this website

We use cookies to make your visits smoother and to help certain areas of the website function properly. By using this website, you agree to our use of cookies, in line with our Privacy Policy. Some of our advertising or affiliate partners may also use their own cookies.

Certain areas of our website let visitors post and exchange opinions or information. We don’t filter, edit, publish or review these comments before they appear, and they reflect the views of whoever posted them — not Klifora’s. That said, we reserve the right to monitor and remove any comment that’s inappropriate, offensive, or breaches these terms.

By posting a comment, you confirm that:

• You’re entitled to post it, and hold any licenses or consents needed to do so
• It doesn’t infringe on anyone’s intellectual property, including copyright, patent or trademark
• It isn’t defamatory, offensive, indecent, or an invasion of anyone’s privacy
• It won’t be used to solicit or promote unrelated business or unlawful activity

By posting, you also grant Klifora a non-exclusive licence to use, reproduce and edit your comment across any format or media.

Government agencies, search engines, news organisations, online directory distributors and accredited businesses (excluding soliciting non-profits, charity malls and fundraising groups) may link to our website without asking first — as long as the link isn’t deceptive, doesn’t falsely imply our endorsement, and fits naturally within the linking site’s context.

We’ll consider link requests from consumer/business information sources, dot-com community sites, charity associations, online directories, internet portals, accounting/law/consulting firms, and educational institutions — provided the link reflects well on us, comes from an organisation with no negative history with us, and sits within general resource content.

To request approval, email us with your name, organisation, contact details, your site’s URL, and the specific pages you’d like to link to and from. Please allow 2–3 weeks for a response.

You may not create frames around our webpages that alter their visual presentation or appearance, without our prior written permission.

We aren’t responsible for content that appears on websites linking to us, and you agree to protect us against any claims arising from your own website. No link on any external site should be libellous, obscene, or infringe on any third party’s rights.

We don’t guarantee that every piece of information on this website is complete, accurate, or continuously up to date, nor that the website will always be available. To the fullest extent the law allows, we exclude all warranties relating to this website and your use of it — except where the law doesn’t permit us to (for example, we never limit liability for death, personal injury, or fraud).

We may ask you to remove a link to our website at any time, and you agree to do so promptly. We also reserve the right to update these Terms & Conditions, or our linking policy, whenever needed. Continuing to link to our website means you accept whatever terms are current at the time.

If you spot a link on our website that concerns you, let us know at any time. We’ll consider requests to remove it, though we’re not obligated to respond individually to every request.