The Schuman Associates website (www.schumanassociates.com) is governed by the following terms and conditions:

By accessing and using this website you acknowledge that you accept and agree to be bound by these terms of use. The website contents refer to everything contained in the site including and not limited to text, graphics, images, links etc. The contents are the exclusive property of SA and may not be reproduced without prior permission. All the intellectual property rights associated with this website are the exclusive property of SA. SA does not guarantee the accuracy or completeness of the information provided in this website. All material is provided on an ‘as is’ basis without any warranties. The website is for your own personal use. SA applies security measures for the running of the site, however we cannot be held liable for any disruptions, viruses or bugs accessed via the site. Furthermore SA cannot be held responsible for interference or damage to the users systems, computers or software through faults on its website. Use of the website is at your own risk. We will not be liable for any direct or indirect losses or damages. This also extends to indirect or consequential loss or damage, arising from the use or inability to use this website.