1. Scope
These Standard Terms apply to the supply of all products and services by Electronic Financial Services Limited, unless we otherwise agree in writing.

2. Agency
We accept orders and instructions only on the basis that those instructing us do so as principals and are liable directly to us for payment of our account.

3. Use of third party contractors
We may, as your agent, directly or through an intermediary ask another contractor ("Third Party Contractor") to carry out some or all of any work which you instruct us to carry out for you. We shall pay the charges of Third Party Contractors on your behalf and recharge them to you with our own fees. We will take all reasonable care in selecting and instructing a Third Party Contractor. However, we have no control over the activities of a Third Party Contractor and therefore accept no responsibility for the services provided to you by that Third Party Contractor or for any errors or omissions in its work or products.

4. Adequacy of instructions
We provide services only on the basis that those instructing us give us all proper, necessary and timely instructions, authority and information (including the execution of all documents required) to enable us to undertake lawfully and effectively the business instructed, and that those instructing us indemnify us accordingly.

5. Third party reliance
Our services are provided solely for the use of our client and that client's own client on whose behalf the work has been commissioned and shall not be used or relied upon by any other third party.

6. Delivery of products and services
Orders are delivered using express airmail unless otherwise stated. Where you request an alternative method of delivery, you must meet those costs. Services are provided using reasonable skill and care.

7. Payment
We may require cash payment in advance before providing any services. Where we have agreed credit terms for you our invoices are due for payment 20 days from their date. We reserve the right to charge for costs and expenses incurred in recovering late payments, and to charge interest at the rate then in force pursuant to the Late Payment of Commercial Debts (Interest) Act 1998 as at the due date.

8. Non completion of services
Where you instruct us to undertake any service, you will be responsible for our costs in providing that service whether or not it proceeds to its conclusion.

9. Right to cancel
If you cancel an order which you have placed with us you will be responsible for our costs in processing the order and our liability to any Third Party Contractor in respect of the order. We will waive these charges if you place a replacement order of equivalent or greater value within 60 days of cancellation..

10. Data protection
We will use personal information which we hold about you to provide our services and products to you, for credit control and market research purposes and to inform you about our services and products which we believe may be of interest to you. We do not share information with unrelated third parties.

In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area in countries which do not have data protection laws equivalent to those in the UK. Where this is the case we will take reasonable steps to ensure the privacy of your information.

• If you do not wish to receive information from us please write to our head office at 10 Coptic Street, London, WC1A 1NH marking the envelope 'Data Protection'.

You have the right, by written request and on payment of a small fee, to a copy of any personal data (as defined in the Data Protection Act 1998) which we hold about you.

11. Due diligence
In certain circumstances we are required by law to collect evidence of identity from our clients. If you fail to supply any due diligence which we request we will be unable to provide services to you.

12. Customer services
If you are unhappy with any aspect of our service, please contact us in writing. Any complaints will be dealt with sympathetically and we will work with you to reach a satisfactory conclusion.

13. Changes to conditions of business
We reserve the right to make changes to these conditions from time to time.

14. Jurisdiction
Contracts between us will be concluded in the English language and our relationship with you will be governed by English law and will be subject to the exclusive jurisdiction of the English courts.

Electronic Financial Services Limited, 10 Coptic Street, London, WC1A 1NH.