In using this website you are deemed to have read and agreed to the following terms and conditions:

The terms and conditions set out below (“Terms and Conditions“) apply to use of the website and any part of that website e.g. (the “Website“). By accessing this Website, you agree to be bound by the Terms and Conditions that are stated below. Before using this Website, you should ensure that the Terms and Conditions have been read carefully and are fully understood to the best of your knowledge.

Concept Group Limited (registered no. 41012) is licensed under the Regulation of Fiduciaries, Administration Businesses and Company Directors etc (Bailiwick of Guernsey) Law, 2020 and is regulated by the Guernsey Financial Services Commission (GFSC). Its registered office is First Floor, Cambridge House, Le Truchot, St Peter Port, Guernsey, GY1 1WD.


The following definitions apply in these Terms and Conditions, the Privacy Statement and the Disclaimer Notice “Client”, “User”, “Customer”, “You” and “Your” refers to you, the person accessing this Website and accepting the Company’s Terms and Conditions. “The Company”, “Concept” and “Ourselves”, refers to Concept Group Limited and/or any subsidiary companies or companies under common ownership.  Unless the context otherwise requires, words in the singular shall include the plural and the plural shall include the singular, and a reference to one gender shall include a reference to all the other genders.

Terms of use

These Terms and Conditions govern the User’s use and treatment of the Website. It is the responsibility of the User to read and understand to the best of their knowledge these Terms and Conditions.

No reliance on information

The information and content that is found within any Concept marketing collateral or on the Concept Website does not constitute advice. Concept does not provide financial, legal nor tax advice and nothing in its marketing collateral or Website should be construed as such. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website or any Concept marketing collateral Concept shall not be held responsible for any liability or loss arising directly or indirectly from any reliance placed upon the content of this Website or marketing collateral. Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up-to-date.

Changes to our Website

We may update our Website from time to time, and may change the content at any time. However, please note that any of the content on our Website may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our Website, or any content on it, will be free from errors or omissions.

Accessing our Website

Our Website is made available free of charge. We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these Terms and Conditions and other applicable terms and conditions, and that they comply with them.

No Warranty

Concept do not warrant that there will be no delays, interruptions in terms of access, failures, errors and/or loss of information, viruses or any other destructive properties that may cause damage to the User’s computer and/or hardware or software. The User is responsible for ensuring that the correct protective measures are taken to protect and back up data and any technical equipment that may be used throughout the browsing of and interaction with the Website.


We do not guarantee that our Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our Website. You should use your own virus protection software. You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you are liable to be committing a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

Log files

Concept use IP addresses to analyse trends, administer the Website, track User’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, the Company’s web servers automatically log standard access information including browser type, access time/ open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within the Company on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without the User’s explicit permission.

Cookie policy

Like most interactive websites, this Company’s Website uses cookies to enable the retrieval of User’s details for each visit. Cookies are used in some areas of the Website to enable the functionality of this area and ease of use for those individuals visiting. Please see our Cookie Policy, which also applies to your use of the Website.


Concept provides the use of interactive media devices, links and tools throughout the Website which are for information purposes only. Concept is not responsible for the information that may be generated through the use of these devices, links and tools which are to be used at the User’s risk.

Concept does not authorise the User to create links to any page of this Website without prior written consent. If a link is created to a page of this Website, the User does so at their own risk. Concept does not monitor or review the content of third party websites which are linked to from this Website. Concept has no control over the contents of those sites or resources. Concept is not responsible for the privacy practices, or content, of these sites. Concept encourages Users to be aware when they leave the Website and to read the privacy statements provided on these websites. Users should evaluate the security and trustworthiness of any other website before disclosing any personal information, whether connected or accessed through this Website. Concept will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure of personal information to a third party.

Concept does not endorse opinions or information that may be construed by any third party whether it be implied or expressed through the content of Concept’s Website.

Intellectual Property

We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use and you may draw the attention of others within your organisation to content posted on our Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged.

You must not use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Website in breach of these Terms and Conditions, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. The name of the Company and its logo are [Guernsey registered] trade marks of the Company.

Limitation of our liability

Nothing in these Terms and Conditions excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by Guernsey law. To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied. We will not be liable to any User for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our Website; or
  • use of or reliance on any content displayed on our Website;
  • In particular, we will not be liable for;
  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage. We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them;
  • We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any content on it, or on any website linked to it.


Concept does not accept liability for any e-mail correspondence that may be sent via the use of the Website. Please be advised that this form of correspondence cannot be guaranteed to be a secure source and/or connection with the Company. If the User chooses to communicate with Concept through internet e-mail, they do so at their own risk.

Social media

Social media is used by Concept as a tool to communicate with the public, and to provide information that may be deemed relevant and/or appropriate to the industry and the public’s interest. Comments that may be received in return may be stored and used in order to monitor and enhance the Company’s customer service, products and/or marketing collateral. Concept advises the User not to provide personal and/or financial information via any social media found on the Website or related to the Website. Concept does not support any social media site that may or may not be linked to this Website at any time, and does not support any comments or information that may be suggested, recommended or construed as such by third parties or Users.

Concept operates the following official social media streams;




Failure to insist upon strict performance of any provision of these Terms and Conditions or the failure of either party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any other agreement. No waiver of any of the provisions of these Terms and Conditions or any other agreement shall be effective unless it is expressly stated to be such and signed by both parties.

Governing law

These Terms and Conditions (and any non-contractual disputes or claims) are governed by Guernsey law. We  agree to the exclusive jurisdiction of the courts of Guernsey.


If you have any questions, please refer to the contact us page which can be found as a link on the navigation bar or in the footer of each page on this Website.


By accessing this Website you consent to these Terms and Conditions. If any of these terms are deemed invalid or unenforceable for any reason, then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of the Company to enforce any of the provisions set out in the Terms and Conditions or any other applicable terms, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any other applicable terms or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except by written agreement of the Company signed by duly authorised representatives of the Company.

Notification of changes

The Company reserves the right to change these Terms and Conditions from time to time as it sees fit and by continuing use of the Website it will signify acceptance of any adjustment to these terms. If there are any changes to the Company’s Privacy Statement, it will be announced that these changes have been made on the home page and on other key pages on the Website. Any changes to our Privacy Statement will be posted on our Website 30 days prior to these changes taking effect. You are therefore advised to re-read this statement on a regular basis.

These Terms and Conditions form an agreement between the User and Concept. The User’s accessing of this Website indicates the understanding, agreement to and acceptance, of the [disclaimer notice] and the full Terms and Conditions contained herein and in addition the Privacy Statement and Cookie Policy.