Terms and Conditions

Access to and use of this site is subject to the following terms and conditions.


Copyright © ADMurrayAssociates (ADMA) 2004-2006. All rights reserved. All copyright and other intellectual property rights in all text, images, sound, software and other materials on this site are owned by ADMA or are included with permission of the relevant owner.

You are permitted to browse this site and to reproduce extracts by way of printing, downloading, and by distribution to other people. No reproduction of any part of the site may be sold or distributed for commercial gain nor modified or incorporated in any other work , publication or site (whether in hard copy or electronic format, including posting to any other site) without the prior approval of ADMA. No other licence or right is granted.


The information on this site has been included in good faith but is for general informational purposes only. It should not be relied on for any specific purpose and no representation or warranty is given as regards its accuracy or completeness. Neither ADMA nor its officers, employees or agents shall be liable for any loss, damage or expense arising out of any access to or use of this site or any site linked to it including, without limitation, any loss of profit, indirect, incidental or consequential loss.

ADMA reserve the right to make any changes and corrections to this site as and when we consider it appropriate and without notice.

Linked Sites

At various points throughout the site you may be offered automatic links to other internet sites relevant to a particular aspect of this site. This does not indicate that ADMA are necessarily associated with any of these other sites or their owners. While it is the intention of ADMA that you should find these other sites of interest, neither ADMA nor its officers, employees or agents shall have any responsibility or liability of any nature whatsoever for these other sites or any information contained in them, none of which have been verified or endorsed by ADMA. If at any time you find that you have accessed another site you may return to this site by clicking on the "backwards" arrow, or by keying in the domain address of ADMA (

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