Payment Information
I accept payments by cheque or postal orders made payable to "Penny Samuels".  You may use your PayPal account, or the following credit and debit cards via PayPal: Maestro, Mastercard, Visa, Solo.

Law and Jurisdiction
You and Penny Samuels agree that your use of this site and these terms and conditions shall be governed in all respects by English law and that the English courts shall have exclusive jurisdiction in respect of any dispute, claims or other matters arising out of your use of this site or the information appearing on it.

Hypertext links
Penny Samuels exercises no control over and has not reviewed all of the web sites linked to this site, and I shall not be liable for any loss or damage (including, without limitation, any direct or consequential loss or damage) arising out of or in connection with any statements, representations or information contained in them or their other content.

If you wish to create a hypertext link to this site, you may only do so provided you ensure that it connects to my home page to the intent that all users are clear that this site belongs to Penny Samuels and that use of it is subject to these terms and conditions (as amended by me from time to time).  I reserve the right to withdraw this permission at any time on notice to you following which you must immediately remove all links to this site.

Password
In the event that I issue you a password to gain access to any other part of this site, you must not communicate it to any other person and I reserve the right at any time to withdraw it from you including, without limitation, if I discover it has been misused.  You should always assume that e-mail and other electronic transmissions are insecure and may be intercepted and read by others.

Intellectual property rights reserved
Penny Samuels or, as the case may be, to the third party copyright owners who have provided the relevant material. Penny Samuels and others are also the proprietors of certain registered and unregistered trademarks and logos appearing on this site.

You may download a single copy of the web pages appearing on this site for private offline viewing or browsing only.  You may also print a single hard copy of such pages for private viewing only.  You may not otherwise use, copy, distribute, publish or disseminate any of the materials on this site unless you (a) obtain the prior written permission of Penny Samuels to do so and (b) ensure that my copyright notice (see below) or that of the relevant third party appears in all copies.

©Penny Samuels. All rights reserved

Information and disclaimers
While Penny Samuels uses reasonable care to ensure that the information appearing on this website is accurate and current as at the date it is posted for viewing, errors and omissions can and do occur, and all information is subject to change.  The information contained in this website is provided for general information purposes only and on this website is not intended to be relied upon as a statement or representation of fact or to constitute legal or other professional advice.  It may not be comprehensive and if you choose to rely on it you must do so entirely at your own risk.

Penny Samuels has no control over the use to which the information appearing on this site may be put and, accordingly, neither Penny Samuels nor any of my associated companies shall be liable for any loss or damage (including, without limitation, any direct or consequential loss or damage) arising out of or in connection with the use of such information.  By accessing and viewing this site, you accept that Penny Samuels and my associated companies have no duty of care, obligation or responsibility to you or any other person in respect of the content of this site and, so far as the law permits, you agree to waive all rights and remedies that you would or might otherwise have including, without limitation, any right to claim for breach of contract, misrepresentation, negligence or other tort or under statute.