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Terms of Use

In these terms and conditions “MBWL” shall mean MBWL International Limited and its subsidiary firms.

This website ( and all material published on it (the “Content”) is provided by MBWL for informational purposes only. By accessing the site, you are indicating your acceptance of these terms and conditions.

You may use this site solely for personal purposes. You may not use this site for any other purpose, including any commercial purpose.


MBWL International Limited is a limited company registered in England and Wales with registered number 10707996 whose registered office is 2 London Wall Place, London EC2Y 5AU.


This website contains information on services offered by MBWL and provides general information about employee benefit and related issues. The information and opinions provided on the website should not be relied up nor be used as a substitute for advice on how to act in a particular case. No Content on this website is intended to provide or should be interpreted as providing any advice. The Content should not be used to replace any written reports, statements, or notices provided by MBWL.

MBWL does not warrant, represent or guarantee the accuracy or completeness of the Content or the reliability of any advice, opinion, statement or other information displayed or distributed through the site.

Your use of this site is at your own risk. The Content is provided “as is” without warranties, representations or guarantees of any kind, either express of implied.

MBWL disclaims all warranties (whether express or implied) whatsoever and assumes no responsibility for the information and opinions contained on this website and to the maximum extent permitted by law MBWL disclaims all liability in respect of such information.

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and MBWL does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

Copyright Notice

Unless otherwise stated, the copyright and other intellectual property rights in the Content is owned by MBWL or the party that provided the Content to MBWL, and MBWL or the party that provided the Content to MBWL retains all right, title, and interest in the Content.

Reproduction or use of the Content (in part or in whole) is only permitted in accordance with the licence terms below (the “Licence”) or as permitted by the Copyright Designs and Patents Act 1988 or the Copyright and Rights in Databases Regulations 1997 (the “Acts”) as applicable. MBWL reserves the right to revise, alter or withdraw any document on the website at any time without prior notice.

You agree to comply with the terms of the Licence and the Acts in your use of this site and the Content. Save as expressly permitted by the terms of the Licence and/or the Acts, you agree not to copy, distribute, republish, upload, post or transmit in any way the Content without the prior written consent of MBWL.


The Licence

You may save and print copies of extracts from this website in hard copy for your personal, non-commercial use.

You are permitted to make a single copy of all documents on the website on a single machine for your own personal use.

You may supply a copy of any extract from this website to an individual third party provided that:

  • You acknowledge that this website is the source of the extract and include the address of this website ( and the date of the extract in any such copy;
  • You inform the third party that these Licence conditions apply to him and he must comply with them;
  • You copy the extract in full with no amendment or editing;
  • The extract is not supplied for any commercial purpose or for a fee;
  • You do not remove or alter any copyright, trademark or other proprietary notice appearing on any of the Content; and
  • The extract is not incorporated in any other work or publication.

If you wish to reproduce or use information from this website beyond the terms and conditions of this Licence, please contact MBWL for express consent.

No intellectual property rights are transferred to you by access to this site or otherwise.

MBWL makes no representations or warranties that your use of the Content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content.


Trademarks, service marks, and logos appearing in this site are the property of MBWL or the party that provided the trademarks, service marks, and logos to MBWL. MBWL and any party that provided trademarks, service marks, and logos to MBWL retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.


Access to this website is permitted on a temporary basis and MBWL reserves the right to withdraw or amend the service without notice. You are responsible for making all arrangements necessary for you to have access to this website. You are also responsible for making sure that all persons accessing the website through your connection are aware of these terms and conditions and that they comply with them. Where you are provided with a user ID, password or any other piece of information as part of MBWL’s security procedures you must treat such information as confidential and you must not disclose it to any third party. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete.

You understand that MBWL does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. MBWL does not assume any responsibility or risk for your use of this site.

Third-party Sites

This site may be hyperlinked to other sites which are not maintained by, or related to, MBWL. Hyperlinks to such sites are provided as a service to you and the sites are not sponsored by or affiliated with this site or MBWL. MBWL has not reviewed the sites and is not responsible for the content of those sites. Hyperlinks are accessed at your own risk, and MBWL makes no representations or warranties about the content, completeness or accuracy of the hyperlinks or the sites hyperlinked to this site.

MBWL reserves the right to prohibit any link from another website to materials or information on this website without notice. Any link to material or information on this website must be neither misleading nor deceptive and must fairly indicate this website as the destination of the link. You must not establish the link in such a way as to suggest any form of association, sponsorship, approval or endorsement where none exists. You may not frame or otherwise incorporate into another website any of the content or other materials on the MBWL site. If you do link to the site, you should be aware that internal pages change frequently and without notice, and your link may be repositioned or deleted as a result.


MBWL reserves the right, at its sole discretion, to amend these terms and conditions from time to time and any such variations will take effect upon posting to this website. MBWL recommends you revisit these terms and conditions on a regular basis. Your continued use of the site after any changes to these terms and conditions are posted will be considered acceptance of those changes.

MBWL may terminate, change, suspend or discontinue any aspect of the site, including the availability of any features of the site, at any time. MBWL may also impose limits on certain features and services or restrict your access to parts or all of the site without notice or liability.

If any part of these terms and conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These terms and conditions constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain.

Any claim or dispute arising between you and MBWL in relation to this website shall be governed by English law and you submit to the exclusive jurisdiction of the English courts.

If you have any questions or concerns about this policy or over any information which appears on this website, please contact MBWL.