Terms & conditions.

We would like to welcome you to our website. We believe that this website will provide you with a wide range of content/information. Before you use this website there are a number of “legal” areas that we wish to bring to your attention. By using our website you are agreeing to be bound by the terms and conditions of use that are set out below in this section of the website.

Service Agreement Terms and Conditions

If you use “this website” you agree to be bound by these terms and conditions.

1. Background and Definitions

1.1 This Website is designed and hosted on behalf of Peters Elworthy & Moore (PEM) by Forge.

1.2 In these terms and conditions: “the organisation” means the firm whose name appears on the home page located at the address as shown in the “About Us” section of this website, and “the Website” means this Website.

2. Access to the Website and content

The information provided on the Website is not in any way an invitation or recommendation to buy any products or services featured and you should seek appropriate independent advice.

3. Intellectual Property

3.1 The copyright in the material contained in the Website, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to PEM or the providers of such information. All rights are reserved. None of this material may be reproduced or redistributed without our written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.

3.2 Product and company names mentioned on this website may be the trademarks or registered trademarks of their respective owners.

4. Data protection

4.1 PEM will collect and use information supplied by you and other users of the Website to improve the Website and personalise your experience when you visit the Website. PEM may also use it to tell you about changes in our services or about features PEM thinks you’ll find interesting. PEM does not sell, trade or rent your personal information to others. By registering with PEM, you are deemed to have consented to use of personal information for these purposes. However, you can tell PEM not to deal with your personal information in these ways in the future by simply sending an e-mail message to pem@pem.co.uk.

4.2 Under the UK Data Protection Act 1998 PEM follows strict security procedures in the storage and disclosure of information which you have given PEM, to prevent unauthorised access.

4.3 You may edit your personal information at any time.

5. Cookies

5.1 A cookie is a small text file written to your hard drive that contains information about you. Cookies do not contain any personal information about users.

5.2 The website provider uses cookies to personalise your experience of the Website. Most web browsers allow you to control how cookies are accepted by adjusting your web browsers settings. If you set up your browser to reject the cookie, you may still use the Website.

5.3 Services delivered via the website such as video or embedded content from external providers may also place cookies on your machine (computer).

5.4 If you register or login to the website you are deemed to be accepting these terms and conditions and consenting to the website placing cookies on your machine (computer).

6. General

6.1 If any provision of these terms and conditions is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the validity and enforceability of the remaining provisions of these terms and conditions shall not be affected.

6.2 PEM may modify these terms and conditions at any time by publishing the modified terms and conditions on this Website. Any modifications shall take effect 3 days after posting on this Website.

7. Governing law

7.1 These terms and conditions are governed by and to be construed in accordance with English law.

7.2 Any disputes shall be subject to the exclusive jurisdiction of the English courts.

Our Links Disclaimer

All links made available are provided as a convenience to our users. We do not have control, exercise no responsibility and make no representations regarding the accuracy or any other aspect of the content/information found or used on visiting any of third party website. The provision of a link to a third party website should not be considered as an express or an implied endorsement of any content/information, products/services that may be available to you, or through, the third party.

Our Privacy Statement

We do not collect any personal information about website users other than that facilitated by the use of “cookie” technology. “Cookies” are designed to enhance your online visit and permit you to access the full service within the website.

Log Files

We use IP addresses to analyse trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how Users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Surveys & Contests

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose any information requested. Information requested may include contact information (such as name and delivery address), and demographic information (such as postcode, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the functionality of the site.


This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, your information is protected both online and off-line.

When our registration/order form asks users to enter sensitive information (such as credit card number), that information is encrypted and is protected with the best encryption software in the industry – SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, as will be the case for most of the time that a user is browsing the web.

If you have any questions about the security at our website, you can send an email to pem@pem.co.uk.

Correcting/Updating Personal Information

If a user’s personally identifiable information changes (such as your postcode), or if a user no longer desires our service, we will endeavour to provide a way to correct, update or remove that user’s personal data provided to us.

Notification of Changes

If we decide to change our privacy policy, we will post those changes on this page so our users are always aware of the information we collect and how we use it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

If you register as a user of the website you will be asked for some basic information. Please note that registration is not required for all areas of the website, however we do encourage you to register in order to gain full access to the website content/information and online services. There are technological and operational security systems in place that provide protection for personally identifiable information from loss or misuse.

Where links are provided to other websites it should be noted that they are not and cannot be governed by our Privacy Statement. We cannot guarantee your privacy when you access other websites through any link provided on this website.

Notices and Disclaimers

These disclaimers also extend the above rights to our webmasters, whose service agreement, terms and conditions appear above-.

Provision Of Services Regulations 2009

Legal entities: The firm operates as a partnership with one limited liability partnership

PEM Corporate Finance LLP (registered in England and Wales number OC302288 and with the ICAEW under number C002683544)

Service: Chartered Accountants and Business Advisers

Registered office and postal address: Salisbury House, Station Road, Cambridge CB1 2LA

Telephone: +44 (0)1223 728222

Fax: +44 (0)1223 461424

Public registers: Details about the limited liability partnerships’ registration can be viewed at www.companieshouse.gov.uk. Details of our audit registration can be viewed at www.auditregister.org.uk under reference number C005366914.

Authorisation: Peters Elworthy & Moore are registered to carry out audit work in the UK by the Institute of Chartered Accountants in England and Wales.

Audit work is undertaken in accordance with the Audit Regulations and Guidance which can be found at www.icaew.com and the International Standards on Auditing (UK and Ireland) which can be found at www.frc.org.uk.

The firm complies with the Institute of Chartered Accountants in England and Wales’ Code of Ethics which can be found at www.icaew.com/membershandbook. Additionally members of the firm undertaking regulated audit work comply with the FRC Ethical Standard which can be found at www.frc.org.uk.

Kate Merry and Ben Dyer are licensed to act as Insolvency Practitioners by the Insolvency Practitioners Association (“IPA”).

VAT number: 213 3849 76

General terms and conditions: A letter of engagement detailing our terms and conditions will be provided at the commencement of any engagement to which they apply. A copy of our standard Terms of Business is available on this website.

Applicable law: Unless otherwise agreed, English law, with the English Courts having exclusive jurisdiction in relation to any claim, dispute or difference concerning the service and any matter arising from it.

Professional Indemnity Insurance: Our professional indemnity insurer is Royal & Sun Alliance Insurance Ltd (No 93792) St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL; Nexus Underwriting Limited, 52-56 Leadenhall Street, London, EC3A 2EB; Liberty Mutual Insurance Europe SE 20 Fenchurch Street, London, EC3M 3AW; MPR Underwriting Limited 10th Floor Chancery Place, 50 Brown Street, Manchester, M2 2JG; and AXA Insurance UK plc, 5 Old Broad Street, London EC2N 1AD. Enquiries should be referred via Lockton Companies LLP of The St. Botolph Building, 138 Houndsditch, London, EC3A 7AG. The territorial coverage is worldwide, excluding USA and Canada.

Complaints: Complaints can be made by contacting the Managing Partner, Warren Tilbury. In the event of you not being satisfied by our response, you may also bring the matter to the attention of the Institute of Chartered Accountants in England and Wales. Details of any other dispute resolution procedure applicable to an engagement will be contained in the standard Terms of Business.