Terms of use

The terms on this page apply to your use of our website, please also check our: Terms of Service

This website (the “website”, the “site”) is operated by UKCOA LTD. (Company No. 11999379), a company registered in England and Wales whose registered address is at Piccadilly Business Centre, Aldow Enterprise Park, Manchester, M12 6AE. Any references to “we”, “us” or “our” shall be taken as references to UKCOA LTD. Any references to “you” or “your” shall be taken as references to users of the website.

The following Terms apply to your use and access of this website provided by UKCOA LTD. (hereinafter referred to as ‘XE Digital'). Please read these terms carefully to ensure that you understand and agree to them, as they contain the legal terms that you are deemed to have agreed to whenever you use the website. If you do not accept these terms and conditions you should not use this website. These terms govern your use of the website and by accessing the website, you agree to accept and be bound by the Terms in full.


This website is provided “as is” and your access and use of it is at your own risk. To the fullest extent permitted by law, XE Digital makes no representations, undertakings or warranties about the content of and information provided through this website, including any hypertext links or any other items used either directly or indirectly from the website. XE Digital accepts no liability for any inaccuracies or omissions in the website and any decisions based on information contained in the website are your sole responsibility.

To the fullest extent permitted by law all representations, warranties and undertakings (express or implied) in respect of the website and the content of and your use of the same are excluded. In particular, but without limitation, we do not warrant that the website or any videos, software, information or material available on or downloaded from the website will be free from errors, faults, viruses, other computer or data-corrupting or data-damaging material or defects, compatible with your equipment or fit for any purpose.

Information on the site

The information on this website has been included in good faith for educational and general informational purposes only, and is subject to change without notice. Nothing contained in any part of this website constitutes legal, investment, tax or other advice, nor should it be relied upon in making an investment or other decision or for any other specific purpose and no undertaking, representation or warranty (express or implied) is given as to its accuracy, reliability or completeness.

We have made reasonable efforts to ensure that all information on the website is accurate at the time of inclusion, however, there may be errors in such information for which we shall have no liability. We cannot guarantee that any information displayed on the website has not been changed or modified through malicious attacks or "hacking".

We have included certain material on the website which has been produced, provided or written by third parties. Such material is provided for educational purposes only and should not be taken to represent the opinions, beliefs or views of UKCOA LTD. or any of its affiliates, employees, directors or officers.

Availability and Access

We have taken reasonable care in the preparation of the website. However, we cannot guarantee that you will have uninterrupted access to the website at all times and we reserve the right to suspend the website at any time, without notice or liability. We reserve the right in our absolute discretion to monitor, suspend, revoke or otherwise limit access to this website for any person at any time.

Access to the website and the information on the website is not directed at any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) it is prohibited to access the website or direct such information for any reason. If you are a person in a jurisdiction in which such prohibitions apply, you must not access this website.

Ownership and Intellectual Property Rights

XE Digital or its affiliates or licensors are, unless otherwise stated, the owners of all copyright, database and other intellectual property rights in the website and its contents, with all rights reserved. This includes, without limitation, copyright and other intellectual property rights in the videos, presentations, photographs, audios, documents, images, buttons, layout and text contained on or in this website.

You may not publish, distribute, extract, re-utilise, or reproduce any part of the website in any form (including photocopying or storing it in any medium by electronic means) other than

(i) as specifically permitted by applicable law, and

(ii) by making copies as part of any necessary incidental acts during your viewing of the website or for solely educational, non-commercial purposes. In particular, you shall not incorporate any material from any part of the website in any commercial work or publication, whether in hard copy or electronic or any other form, and no part of a page from this website may be distributed or copied for any commercial purpose. All brand, product and service names, logos and images used in this website are the property of the XE Digital or its affiliates or licensors, unless otherwise stated, with all rights reserved. You may not distribute products or offer services under or by reference to or otherwise use or reproduce any of the trade marks, trade names or service marks on this website without the prior written permission of UKCOA LTD. or, where applicable, the owner of such trade marks, trade names or service marks.


You agree at all times to indemnify, defend and hold harmless XE Digital, its agents, suppliers, affiliates and their respective directors and employees against all actions, proceedings, costs, claims, damages, demands, liabilities and expenses whatsoever (including legal and other fees and disbursements) sustained, incurred or paid by XE Digital directly or indirectly in respect of:

(i) any information or other content you provide on or through this website or which is sent to XE Digital by e-mail, web forms or other correspondence; or

(ii) Your use or misuse of the content or this website, including without limitation infringement claims

Limitation of Liability

Except in the case of fraud, death or personal injury caused by our negligence or other cases where by law liability cannot be excluded or limited, we exclude all liability to you in respect of your use of this website or any information or other content obtained either directly or indirectly from this website, howsoever arising and whether in contract, tort, negligence, misrepresentation or otherwise.

Under no circumstances shall we have any liability for any loss of profit, business opportunity, goodwill, anticipated savings or data, or for any special, indirect, incidental or consequential loss or damages of whatsoever kind resulting from the use of this website or any information or other content obtained either directly or indirectly from this website, howsoever arising and whether in contract, tort, negligence, misrepresentation or otherwise.

You shall be liable to us for any loss, liability or cost we (or any of our affiliates) suffer as a result of your use of this website or any breach of these terms and conditions. By using this website you agree to indemnify and hold harmless XE Digital and its affiliates against all legal fees, claims, liabilities, damages, costs, losses and other expenses that may be incurred or suffered by XE Digital or its affiliates as a result of your use of the website or breach of these terms.


Any failure by us to exercise any right or remedy under these terms or at law does not constitute a waiver of that right or remedy or a waiver of any other rights or remedies. No single or partial exercise of a right or remedy by us under these terms or at law prevents further exercise of the right or remedy or the exercise of any other right or remedy.


Your personal information will be used in accordance with our Privacy Policy.

External Links

XE Digital is not responsible for the content of external websites. This website may include links to other websites from time to time and so when you access certain links in this website you may leave the website. These links are provided for your convenience. External websites are not part of this website and we do not endorse or accept any responsibility for the content of those websites (nor the products or services on them), are not responsible for the availability of the websites and will not be liable in any way for any loss or damage which you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.

Force Majeure

XE Digital shall not be liable for any loss or delay or failure in performance of any part of these Terms of Use or our Services for any cause beyond our reasonable control including, without limitation, acts of God, acts or omissions of civil or military authority, government restrictions or regulations, embargoes, epidemics, wars, terrorist acts, riots, insurrections, strikes, industrial or labour disputes of any kind, fires, explosions, earthquakes, floods, accidents, compliance with any statutory, regulatory or legal obligation, act of sabotage, major environmental disturbances, unusually severe weather conditions, exchange or market disruption, suspension of trading, periods of abnormal or unusual market activity, unanticipated dealing volumes, inability to communicate with market makers, telecommunication failure, energy failure, internet outages, cyber-attacks, viruses or hacking, or any other cause outside our reasonable control.

In no event shall XE Digital be liable for any failure or delay of service resulting from regular network maintenance or external factors such as power failure, natural disaster, service provider-side problems or governmental acts.


In the event any one or more of the provisions of this Agreement shall be held to be invalid, illegal or unenforceable, the remaining provisions of this Agreement shall be unimpaired and the Agreement shall not be void for this reason alone. Such invalid, illegal or unenforceable provision shall be replaced by a mutually acceptable valid, legal and enforceable provision, which comes closest to the intention of the parties underlying the invalid.


We may delete or update any information on the website, add material or amend, alter, redesign or change anything contained on the website at any time, without notice and without any liability to any person. We shall have no responsibility for ensuring that the website is kept up to date. We reserve the right to amend these terms without notice to you from time to time. Any such amendment shall be effective once the revised terms have been posted on the website, and it shall be your responsibility to check these terms for any such amendments.

Governing Law

These terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the English courts.