Legal

Privacy Policy

In this section, the term “Company” refers to the business which is subject to an Insolvency or restructuring regime (each referred to as an “Insolvency”).

Insolvency Practitioners and Sterling Advisory Limited’s roles in Insolvency Proceedings

Definitions under Data Privacy Laws:

• A controller is an individual or legal person who decides how and why personal data is processed.  A controller is in control and is responsible for the collection, keeping and use of personal data.
• A processor is an individual or legal person (other than an employee of a controller) which processes personal data on behalf of a controller.

The data controller for personal data processed by the Company prior to the Insolvency is the Company.  Upon appointment, the Insolvency Practitioners act in the capacity of agents of the Company in fulfilling the role of managing the Company’s affairs, business and property and so the Company continues to be the controller for personal data collected and processed in this context.

The Insolvency Practitioner will typically be the Data Controller in respect of the information the personal data they process to comply with their own legal and regulatory requirements as Insolvency Practitioners.

Sterling Advisory Limited may act as a data processor on behalf of the Insolvency Practitioner or the Company as appropriate in relation to the engagement.

What we collect

We collect personal data about our clients in relation to a Corporate Insolvency (directors, shareholders, partners and owners) which is necessary to effectively deploy our professional services as agreed with our clients.

The types of data we collect, and process can vary, it may include:

• Personal contact details such as name, title, addresses, telephone numbers, and personal email addresses;
• Date of birth;
• Gender;
• Marital status, co-habitees/co-occupants and dependents;
• National Insurance number;
• Occupation and function within the Company;
• Bank account details, payroll records and tax status information;
• Location of employment or workplace;
• Salary/wage details;
• Pension arrangements and benefits;
• Details of any vehicle provided to you by the Company;
• Details of any other valuable property (assets) that you have acquired from the Company;
• Amounts of any bonuses, dividends or other financial benefits received by you from the Company;
• Photo ID produced to confirm your identity;
• Details of any personal guarantees or indemnities you may have given in respect of the Company’s liabilities
• Any explanation you provide of the reasons for the Company’s insolvency (where appropriate);
• Details of any proposed role or function you may undertake in respect of a successor business (where appropriate);

In limited circumstances, we may also collect, store and use “special categories” of more sensitive personal information, as detailed below.

Special categories (sensitive) personal data

Some categories of personal data are considered by law to be particularly sensitive and are therefore classed as “special categories” of personal data. These relate to a person’s racial or ethnic origin, political opinions, religious or similar beliefs, trade union membership, physical or mental health conditions, sexual life, sexual orientation, biometric or genetic data. This type of data is afforded additional protection.

There are a number of situations where we might possess special categories of data about you:

• In limited circumstances, special category data may be provided by you where it impacts on the financial position of the Company and is relevant to ensure appropriate advice is given and subsequent disclosure made.  Depending on the insolvency procedure we may not need your consent to have or use this information, where it is relevant to the performance of our functions as an Insolvency Practitioner. Where your consent is required, you will be provided with full details of the information that is sought and the reason it is needed, so that you can carefully consider whether to consent. It is not a condition of us providing you with restructuring advice or insolvency services that you agree to any request for consent. You have the right to withdraw any given consent at any time, upon which we will no longer process the information for the purpose originally agreed to, unless there is another legitimate basis for doing so in law
• We may possess special category information where it is needed in relation to legal claims or proceedings relating to the affairs of the Company. Depending upon the nature of the information we receive, we may not need your consent to have this information
• When such information is needed in the public interest, such as where you lack the mental capacity to deal with the affairs of the Company or where a lasting power of attorney has been provided to another person in respect of your affairs, we do not require your consent to have this information

Information about criminal convictions

We envisage that we may hold information about criminal convictions where these are relevant to the causes of failure of the Company or the performance of the functions of an Office Holder. If it becomes necessary to do so, we will only use this information where we have a legal basis for processing the information. This will usually be where such processing is necessary to carry out the role and function of an Insolvency Office Holder.

We may also use information relating to criminal convictions where:

• it is necessary in relation to legal claims
• it is necessary to protect your vital interests (or someone else’s vital interests) and you are not capable of giving consent
• Where it is relevant to the statutory reporting obligations of an Insolvency Office Holder
• you have already made the information public, or the information is otherwise in the public domain

We will only collect information about criminal convictions if it is appropriate given the nature of the role of a restructuring adviser or Insolvency Office Holders. Relevant convictions would typically be those relating to theft, fraud or dishonesty, money laundering or terrorist financing.

HOW WE COLLECT DATA

• Directly when you initially contact us and through the advisory process
• Indirectly through subsequent interactions with our clients, from a third party acting on our clients’ instructions, or from other third parties (including publicly available information such as Companies House)
• From time to time, we may collect additional personal information in the course of our investigation into a Company’s affairs. These investigations may involve contacting third parties that are known or suspected to have had business or financial dealings with the client, where we consider that the information they may provide could assist us to properly administer the affairs of the Company
• From a number of other sources in a formal Insolvency process, such as the Official Receiver (in England), Accountant in Bankruptcy (in Scotland), In all cases (both solvent and insolvent) information may also be received from the creditors, debtors and employees of the Company, and/or other stakeholders in the process that make such information available to us in the course of administering the affairs of the Company
• From information contained in the Company’s books and records which is obtained when the officeholder is appointed though in respect of this information, the Office Holder will not generally be a Data Controller of it but will be acting as agent on behalf of the business

How we use your personal data and legal basis for processing

We process your personal data for various purposes including (but not limited to):

Purpose

To enable us to contact and meet with you to gather or provide information To provide you with initial advice about recommendations about a possible restructuring solution or cessation options for the Company To perform other tasks as necessary to provide our services

To fulfil any contractual obligations we have to you

To perform Anti Money Laundering (AML) assessments

To administer, support, improve and develop our services generally To enforce our legal rights

To comply with any requirements of law, regulation or a professional body of which we are a member

To fulfil the legal obligations placed upon an Insolvency Office Holder in administering the affairs of the Company;

Legal basis

We have a legitimate interest in using your data for these purposes, as it helps us to manage our relationship with you. We have carried out a Legitimate Interests Assessment (LIA) whereby we have weighed your interests and the risks posed to you against our own interests and consider that they are proportionate and appropriate.

We do this to comply with our contractual obligations.

The processing is necessary for compliance with our obligation under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulation 2017. Any personal data received as part of our AML process from a corporate client will be processed only for the purposes of preventing money laundering and terrorist financing, unless: Use of the data is permitted by or under and enactment other than the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017; or Sterling Advisory Limited has obtained the express consent of the data subject to the proposed use of the data.

We have a legitimate interest in using your personal data in this way, as it helps us to run our business and to safeguard our rights as a business.

We do this to comply with our legal, regulatory and professional obligations. Where we do not have a legal obligation, we have a legitimate interest in processing personal data necessary to meet our regulatory or professional obligations.

We do this to comply with our legal obligations under the Insolvency Act 1986.

We may also use personal information in the following situations, which are likely to be less common:

• when it is necessary to protect your interests, if you are identified as being subject to a vulnerability;
• when it is necessary to protect someone else’s interests (for instance, if you have or have been alleged to have acted in a violent or abusive manner toward our staff); or
• when it is necessary in the public interest or for official purposes as an Insolvency Office Holder (such as in connection with any corporate governance offences that have or are alleged to have been committed).

If you fail to provide personal information

If you fail to provide certain information when requested, we may take steps to compel you to provide it in Court and/or to acquire the information we need to properly administer the affairs of an insolvent Company from third parties.

Sharing and disclosing your personal data

We do not share or disclose any of your personal data without your consent, other than for the purposes specified in this notice or where there is a legal requirement. When we share data with others, we ensure contractual arrangements and security mechanisms are in place to protect the data and to comply with our data protection, confidentiality and security standards.

Your personal data may be shared with:

• Third parties involved in Insolvency proceedings, including but not limited to the courts, Official Receiver, creditors, Companies House and other third parties involved
• Third party organisations that provide identification checking services
• Third party organisations that provide applications/functionality, data processing or IT services to us
• Other third parties as instructed by you
• Our trade associations, professional bodies and business associates e.g. agents, auditors, solicitors, accountants etc.

Occasionally, we may also need to disclose your personal data in the following circumstances:

• Based on our legitimate interests, to third parties if we choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
• To law enforcement officials, law courts and government and regulatory authorities: (a) if we believe disclosure is required by any applicable law, regulation or legal process; or (b) to protect and defend our rights, or the rights or safety of third parties, including to defend against legal claims based on our legitimate interests.
• In exceptional circumstances, to third parties to protect your vital interests if you fell ill or suffered an injury at one of our events or on our premises.

How long we keep your data

We only ever retain personal data for as long as is necessary for the purposes for which it was collected, and we have strict review and retention policies in place to meet these obligations. We keep personal data in accordance with our internal retention policies, which are determined in accordance with our regulatory obligations and good practice.

We retain records collected and created in Formal Insolvency matters for 7 years after the conclusion of the case administration and the officeholder’s discharge of appointment.

Your rights

Your rights in relation to the personal data that we process will depend upon the lawful basis or bases upon which we are holding it.  This will vary depending upon where the information has come from (yourself or a third party, such as the Official Receiver in an Insolvency situation) and the nature of our relationship with you. Personal data may be held for more than one lawful basis. Details of the basis or bases we believe we have for processing your data can be found in the relevant sections of our Privacy Notice.

• Prospective Clients: If we have provided you with advice about restructuring options or cessation options, you will have a number of rights available to you, which may include access, restriction or transfer and to a lesser degree, erasure.
• Insolvency Act Clients: Where we are formally appointed to administer the affairs of a Company (in Liquidation (solvent or insolvent), Administration, Administrative Receivership, Receivership or Company Voluntary Arrangement), there are certain periods that the law requires us to maintain information about the case.  Where we are formally appointed to administer the affairs of a business, we are unlikely to be able to agree to a request to erase, restrict or transfer your information, but will explain this to you in further detail should such a request be made.
  • Erasure and Rectification:  Upon commencement of a formal insolvency, where that information will form part of the legal records of the case and we will be required to retain it, we would be unable to erase or rectify any information though we will make a record where you consider it to be inaccurate.   We will always be grateful to receive updates to contact information etc. but will not be able to amend or erase historic information that is part of the formal record of an Insolvency case, such as your address at the time of the Insolvency or the amounts stated owed to the creditors.
  • Portability: This right only applies to information that you have provided (so would not apply to information supplied to us by the Official Receiver, or the people you owe money to in an Insolvency situation.) It does not apply to formal Insolvency cases, where our lawful basis for processing is “legal obligation”.
  • Restriction of processing: In the case of a formal Insolvency appointment, we are unlikely to be able to restrict or erase any data that forms part of the formal record of the Insolvency case, though any such request will be considered upon its merits and a full explanation will be provided to you in response to your request.
• Legal Claims: Where legal claims are involved, we may not be able to provide you with access to all of the information we hold, as some of it will be subject to legal professional privilege.

Complaints Procedure

If a party is not satisfied with any work undertaken by Sterling Advisory Limited, its directors or staff they should set out in writing the nature of the complaint and address this to the relevant insolvency practitioner or director concerned. A copy of the complaints policy will be made available on request.

If you are not satisfied with any issues relating to an insolvency practitioner’s regulated work, then you may, at any stage of your complaint, contact the Insolvency Service at https://www.gov.uk/complain-about-insolvency-practitioner, alternatively email the Insolvency Enquiry Line at [email protected] or telephoning on 0300 678 0015. A complainant is encouraged by the Insolvency Service to seek to resolve the complaint with the relevant Insolvency Practitioner prior to submitting a complaint to the Complaints Gateway.

If you have made a complaint in relation to work undertaken, that does not relate to an insolvency practitioner’s regulated work, and you are not satisfied with any response given to your complaint you may complain to the Association of Chartered Certified Accountants.”

Disclaimer

Information published by us on the website is supplied by Sterling Advisory Limited and where indicated by certain third parties. We take every care and precaution to ensure that information published on the website is accurate when posted and regularly updated, however we cannot not guarantee its accuracy and we may change the information at any time without notice.

We publish the website “as is” without any warranty of any kind, express or implied, as to the operation of our site, the accuracy of the information or the products or services referred to on the website (in so far as such warranties may be excluded under any relevant law) and Sterling Advisory Limited shall not be liable for any losses or damage that may result from use of the company’s websites as a consequence of any inaccuracies in, or any omissions from, the information which they may contain.

The information contained in this website has been prepared solely for the purpose of providing information about services provided by Sterling Advisory Limited.

Any reference to any product or service that has been or may be provided by Sterling Advisory Limited does not amount to a promise that such product or service will be available at any time. Changes to or improvements in such products or services may be made at any time without notice.

Unless specifically prohibited by a notice published on any page, you may make a print copy of such parts of the website as you may reasonably require for your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited.

We are not responsible for the content of any other website from which you have accessed the Sterling Advisory Limited website or to which you may hyperlink from the website and cannot be held liable for any loss or damage you incur as a result of your use of any other site from which you hyperlink to or from the website.

We are not liable for any internet software used in connection with our website, nor computer viruses or other destructive programmes encountered as a result of using our website.

These conditions of use are governed by the laws of England and Wales and you agree that the English courts shall have exclusive jurisdiction in any dispute.

To the extent that any part of these conditions of use is found to be invalid, unlawful or unenforceable by any court of competent jurisdiction such part shall to that extent be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.

Cookie Policy

What Are Cookies

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the sites functionality.

How We Use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of the this site. Therefore it is recommended that you do not disable cookies.

The Cookies We Set

When you submit data through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.

Third Party Cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

Terms and Conditions

These are our standard terms and conditions. All relevant terms and conditions form part of the contractual relationship with Sterling Advisory Limited.
You should be aware that Sterling Advisory Limited will rely on these terms and conditions in case of any uncertainties. In addition these terms and conditions will take precedence over any other terms and conditions.

1 Definitions

1.1 The letter of engagement and these terms and conditions are referred to as ‘the Contract’ and the services that we will provide as detailed in any letter of engagement are referred to as ‘the Engagement’.

2 Fees

2.1 The basis of how we will be remunerated is set out in the letter of engagement. In addition, the following terms apply:

2.1.1  All sums due in connection with the services we provide in respect of the Engagement, which may comprise fees, expenses and disbursements, will be subject to the appropriate rate of Value Added Tax.

2.1.2  Where our fees are paid on a time costs basis, the prevailing hourly charge out rates, as detailed in our fees and disbursements documentation, will apply.

2.1.3  Unless specifically stated and agreed, a fee estimate shall not constitute a fixed price quote.

2.1.4  In the event that you request that we provide additional or other services, we may consider issuing a separate letter of engagement that details the additional work to be undertaken and the costs and fee basis of undertaking that work.

3 Quality monitoring

3.1  We will use all reasonable skill and care during the course of the Engagement.

3.2  As part of any insolvency practitioner’s licensing requirements, on a periodical basis a number of our cases are selected for an independent quality review. This case may be selected for such a review. Any reviewers will either be external independent reviewers who are highly experienced and professional people, or members of the insolvency practitioner’s licensing body.

3.3  Any reviewers are bound by the same confidentiality requirements as we are.

4 Limitation of liability

4.1  You agree that it is reasonable for us to limit our liability in connection with the Engagement except as noted below.

4.2  The aggregate liability of Sterling Advisory Limited, and any of its directors or partners, employees and agents or any of them to pay damages for loss or damage, including consequential loss suffered by you, if the direct result of breach of contract, negligence, or any other actions by others in connection with the Engagement will be limited to that proportion of your actual loss which was directly and solely caused by us. Subject to the clause below our liability will not, in any circumstances, exceed the limit of our professional indemnity cover (‘aggregate limit’). Where our duty is to more than one party, the limit of our liability will be the aggregate limit allocated between the parties in whatever proportions are agreed.

4.3  Under no circumstances will we be liable to pay any damages to you for losses arising out of or in any way connected with actions taken or any omissions or acts by you or anyone acting on your behalf.

4.4  You agree that no legal proceedings arising from or in connection with the Contract will be commenced against any of our directors, partners or employees or agents personally.

5 Professional indemnity insurance

5.1   Our professional indemnity insurance is provided by Arch Insurance Europe.

5.2  Claims should be notified to Arch Insurance Europe.

5.3  The territorial limit is £1,000,000.

6 Conflicts of interest

6.1  All insolvency practitioners must abide by the Insolvency Code of Ethics. Whilst we have procedures to identify whether there is, or could be, a conflict of interest, we cannot guarantee that we will identify every situation. If we become aware of a conflict-of-interest, we will, in accordance with the Code, put in place safeguards to ensure that we maintain independence throughout the period of the Engagement.

6.2  In the event that we become aware of a conflict that cannot be resolved, we reserve the right to terminate this assignment by giving written notice to you.

6.3  If, after commencement you become aware of any potential conflict relating to the Engagement, you agree to notify us immediately.

7 Termination

7.1  We reserve the right to terminate the Contract immediately and without notice if we do not receive payment from you within the time period detailed on our invoice.

7.2  Termination of the Contract will be without prejudice to any rights accrued to the Parties.

7.3  For the avoidance of doubt the Engagement will terminate when;

7.3.1 the assignment detailed in the letter of engagement has been completed; or

7.3.2 a notice of termination of the Engagement is issued by us; or

7.3.3 a revised letter of engagement, which replaces this letter of engagement is signed by the Parties.

8 Complaints

8.1  If you are in any way dissatisfied with the service you are receiving, please contact Emily Ball at [email protected].

8.2  We undertake to review any complaint carefully and promptly and we will do everything we can to remedy the position. If you are not satisfied with the response to your complaint, you may take up the matter with the Complaints Gateway via http://www.bis.gov.uk/insolvency/contact- us/IP-Complaints-Gateway.

9 Electronic communication

9.1  During the Engagement, we may communicate electronically, it is acknowledged that systems and procedures cannot always guarantee that transmissions will be unaffected by outside influences.

9.2  If you are not happy to accept the risks associated with electronic communications, you should notify us in writing that email is not an acceptable means of communication.

9.3  You agree to use commercially available virus checking procedures whilst sending information electronically.

10 Data protection

10.1  In this clause, the following definitions shall apply: ‘client personal data’ means any personal data provided to us by you, or on your behalf, for the purpose of providing our services to you, pursuant to our letter of engagement. ‘data protection legislation’ means all applicable privacy and data protection legislation and regulations including PECR, the GDPR and any applicable national laws, regulations and secondary legislation in the UK relating to the processing of personal data and privacy of electronic communications, as amended, replaced or updated from time to time. ‘controller’, ‘data subject’, ‘personal data’, and ‘process’ shall have the meanings given to them in the data protection legislation; ‘GDPR’ Means the General Data Protection Regulation ((EU) 2016/679); and ‘PECR’ means the Privacy and Electronic Communications (EC Directive) Regulations 2003 (SI 2426/2003).

10.2  We shall each be considered an independent data controller in relation to client personal data. Each of us will comply with all requirements and obligations applicable to us under the data protection legislation in respect of client personal data.

10.3  You should only disclose client personal data to others where:

10.3.1 you have provided the necessary information to the relevant data subjects regarding its use (and you may use or refer to our privacy notice available at www.sterling-advisory.co.uk need specific link for this purpose);

10.3.2 you have a lawful basis upon which to do so, which in the absence of any other lawful basis, shall be with the relevant data subject’s consent; and

10.3.3 you have complied with the necessary requirements under the data protection legislation to enable you to do so.

10.4  Should you require any further details regarding our treatment of personal data, please contact Emily Ball at [email protected].

10.5  We shall only process client personal data:

10.5.1 in order to provide our services to you and perform any other obligations in accordance with the Engagement;

10.5.2  in order to comply with our legal or regulatory obligations; and

10.5.3  where it is necessary for the purposes of our legitimate interests and those interests are not overridden by the data subjects’ own privacy rights. Our privacy notice contains further details as to how we may process client personal data.

10.6  For the purpose of providing the Engagement, pursuant to the letter of engagement, we may disclose the client personal data to entities associated with Sterling Advisory Limited, our regulatory bodies or other third parties (for example, our professional advisers or service providers). [The third parties to whom we disclose such personal data may be located outside of the European Economic Area (EEA).] We will only disclose client personal data to a third party (including a third party outside of the EEA) provided that the transfer is undertaken in compliance with the data protection legislation.

10.7  We may disclose the client personal data to other third parties in the context of a possible sale, merger, restructuring or financing of more investment in our business. In this event we will take appropriate measures to ensure that the security of the client personal data continues to be ensured in accordance with data protection legislation. If a change happens to our business, then the new owners may use our client personal data in the same way as set out in these terms.

10.8  We shall maintain commercially reasonable and appropriate security measures, including administrative, physical and technical safeguards, to protect against unauthorised or unlawful processing of the client personal data and against accidental loss or destruction of, or damage to, the client personal data.

10.9  In respect of the client personal data, provided that we are legally permitted to do so, we shall promptly notify you in the event that:

10.9.1 we receive a request, complaint or any adverse correspondence from or on behalf of a relevant data subject, to exercise their data subject rights under the data protection legislation or in respect of our processing of their personal data;

10.9.2 we are served with an information, enforcement or assessment notice (or any similar notices), or receive any other material communication in respect of our processing of the client personal data from a supervisory authority as defined in the data protection legislation (for example in the UK, the Information Commissioner’s Officer); or

10.9.3 we reasonably believe that there has been an incident which resulted in the accidental or unauthorised access to, or destruction, loss, unauthorised disclosure or alteration of, the client personal data.

10.10 Upon the reasonable request of the other, we shall each co-operate with the other and take such reasonable commercial steps or provide such information as is necessary to enable each of us to comply with the data protection legislation in respect of the services provided to you in accordance with our letter of engagement in relation to the Engagement.

11 Confidentiality

11.1  The Parties agree that any confidential information received from the other will be used only for the purposes of providing or receiving advice in connection with the Engagement under the terms of the Contract.

11.2  All information we receive will be considered confidential and we will only be entitled to disclose confidential information as follows:

11.2.1  in accordance with the letter of engagement;

11.2.2  to our insurers, legal advisers or other agents acting in connection with the Engagement; or to any other third party, to the extent that this is required by any court, government department or regulatory authority or where we have a legal duty to disclose.

11.3 During the course of the Engagement we will provide you with advice. This advice is to be confidential at all times, and our advice is only appropriate for the purposes of the Engagement and this advice should not be disclosed or relied upon by any other parties.

12 Money laundering regulations

12.1  In accordance with the Proceeds of Crime Act and Money Laundering regulations you agree to waive your right to confidentiality in respect of any report made, document provided or information disclosed to the Serious Organised Crime Agency (SOCA).

12.2  You understand that if we are required to report directly to SOCA we will do this without reference to you or any agents or representatives, if during the course of the Engagement, our Money Laundering Reporting Officer becomes aware either directly or by a report from another member of staff of any matters that could be considered money laundering.

13 Revision of terms and conditions

13.1  These terms and conditions replace any of our previous terms and conditions which applied to the Engagement.

13.2  These terms and conditions will continue to apply to the Engagement unless we vary our terms and conditions, in which case we will notify you in writing.

14 Governing law and dispute resolution

14.1  The Contract will be governed by and interpreted in accordance with English law.

14.2  Should any disputes arise between us, we will attempt to resolve those disputes by negotiation. If any negotiations are unsuccessful, the Parties agree to try to resolve matters through alternative dispute resolution procedures. If the dispute cannot be resolved by these means, the Parties agree that the English courts will have exclusive jurisdiction in connection with the dispute.

Creditor Insolvency Guide

For the latest information please visit the following link: Credit Insolvency Guide.