References to PBI in this website are to PBI Actuarial Consultants Ltd. or its subsidiaries, as required by the context.

Each time you access this website you agree to be bound by these Terms of Use, which may be revised from time to time, without notice.  You are responsible for regularly reviewing these Terms of Use. If you do not accept the Terms of Use, please refrain from using this website.

It is to be noted that the content of this site is general information of interest only and shall not be viewed as professional advice.  We suggest you seek advice from PBI or any other appropriate professional advice in relation to your specific situation.

This website is provided as is, without any express or implied warranties of any kind.  Your use of this website or its contents is at your own risk and PBI reserves the right to make changes to the website or its content at any time.

Furthermore, as the internet is not a secure medium and privacy cannot be ensured, please note that PBI cannot ensure the privacy or authenticity of any information you send us over the internet.

In no event will PBI be liable for any damages resulting from the use of or the inability to make use of the website or its content.

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No part of this website or its content may be reproduced, modified, distributed, sold, retransmitted or published in any form without the written consent of PBI, except to the extent that such use is for your personal or non-commercial use.