Access to and use of this website is subject to the following terms and conditions. BEFORE using this website or registering with SME Business Cash Flow  please read these Terms and Conditions carefully.

Terms and Conditions of SME Business Cash Flow

1. By accessing, browsing or using this website for any purpose you agree that immediately upon accessing this website to be legally bound by these terms and conditions, and you acknowledge that you have read, understood and agree to be bound by all Terms and Conditions contained herein. If you do not agree to be legally bound by all the Terms and Conditions please do not use or access further web pages or links from this website. SME Business Cash Flow is owned by DAW Consulting Limited.

2. The Terms and Conditions of this website are subject to change without notice. SME Business Cash Flow also retains the right to make changes to its service, materials and products without notice.

3. The copyright of this website is retained by DAW Consulting Limited. All content, trademarks, logos, images and other materials on this site are owned by either the copyright holders or DAW Consulting Limited, and no part of this website, content, trademarks, logos, images or other materials may be reproduced or transmitted in any form or by any means whatsoever unless written permission has been granted by DAW Consulting Limited. Unauthorized copying of copyrighted material may result in civil or criminal charges being made against you.

4. SME Business Cash Flow does not make any claims or warrants that the service provided by this website shall be continuous, uninterrupted and error free.

5. The protection of the rights of users of and providers to this website is paramount. The breaking of any Term or Condition may result, without notice, in the immediate suspension or termination of any account opened with SME Business Cash Flow and the prevention of access to SME Business Cash Flow Members' area(s) without refund or recourse.

6. SME Business Cash Flow and its owner, directors, employees, agents, providers and affiliates exclude any, express or implied, representation or warranty as to the accuracy, fitness for purpose, relevance, non-infringement of proprietary rights, merchantability with the respect to the service, materials or products offered, and completeness of information included on this site; and to other sites that may from time to time be linked to this site.

7. In no event shall SME Business Cash Flow and its owner, directors, employees, agents, providers and affiliates be liable for any losses or damages, howsoever arising, through the use of or the inability to use this site.

8. SME Business Cash Flow, its owner, directors, employees, agents, providers and affiliates do not accept liability for a buyer's action(s) or decision(s) based on the information, description of products, materials and services, or content recorded on any forums provided on this website or on any other website(s) that may from time to time be linked to this website.

9. It is agreed at all times the liability, if any, of SME Business Cash Flow its owner, director(s), employees, agents, providers and affiliates arising out of any legal claim connected with the service, materials or products rightfully sold or otherwise obtained from this website, or any website that is/was linked to this website, shall not exceed the sum paid to SME Business Cash Flow its owner, directors, employees, agents and affiliates for the said service, materials or products, or to the linked website.

10. The use of all links to other Internet sites is at the user’s risk. SME Business Cash Flow its owner, directors, employees, agents, providers and affiliates do not verify the content and accuracy of linked sites, and users should, if necessary, obtain professional advice regarding specific matters of interest.

11. It is agreed that when accessing and/or using this site, you agree that SME Business Cash Flow its owner, directors, employees, agents, providers and affiliates shall not be responsible for content available on the SME Business Cash Flow forum page(s). It is further agreed that should you download content from the SME Business Cash Flow forum page(s) you do so at your own risk, and that you are solely responsible for any loss or damage to your computer, its data, or to any other download device or software that may result.

12. It is agreed that you will use this website for lawful purposes only. In particular you agree that all contributions made by you to the forum page(s) will be civil, not offensive, not abusive, be free from all unlawful, harrassing, abusive, racial, sexual, threatening, defamatory and objectional content, and that under no circumstances will you spam, advertise (unless allowed on specified forum pages), impersonate, use a user name that is vulgar or offensive, share your user name or password with others and contribute only in the English language.

13. SME Business Cash Flow will not normally edit any message posted on any forum page(s). However, SME Business Cash Flow reserve the right to edit or delete any message that in the absolute opinion of the SME Business Cash Flow administrator, is or may be, seen by others to be objectionable. Anyone posting such objectionable messages is responsible for their own actions, and that action may result in termination of their membership account.

14. It is agreed by you that in whole or in part, you grant SME Business Cash Flow a perpetual, non-exclusive right to use, recreate, modify, and sub-license the content on the forum page(s) to other parties throughout the world for no fee and no royalty payments to you or a nominee for all content you may post to the forum.

15. The privacy of all visitors to and members of this site is of paramount importance to SME Business Cash Flow. Please read the PRIVACY STATEMENT  for further details.

16. SME Business Cash Flow will from time to time offer for sale services, materials and products. Please read the TERMS and CONDITIONS OF SALE before purchasing.