FRMS Matrix Terms & Conditions

Please Read the Following Terms Carefully.

This website is operated by Frankham Risk Management Services Limited ("FRMS"), Registered Company No. 05138834 , under the domain name ("the website").

These terms of use as varied from time to time ("Terms") govern your use of the website and all its associated services. By accessing, browsing and/or using the website you will be deemed to have agreed to these Terms. If you do not wish to be bound by these Terms you must discontinue accessing, browsing and/or using the website.

Intellectual Property Rights

The material contained on the web site is protected by copyright.

You may use the website for personal and non-commercial purposes only.

You acknowledge that the FRMS website, special technology used in connection with the website, FRMS's services, all software, material, information, communications, text, graphics, links, electronic art, animations, audio, video, photos, and other data available within the website ("FRMS content") are provided by FRMS or third-party providers and are the copyrighted works of FRMS and/or such third parties.

You may not copy, reproduce, publish, distribute, modify, create derivative works of, rent, lease, sell, transfer, display, transmit, compile or collect in a database, or in any manner commercially exploit any part of the FRMS content or our services in whole or in part unless expressly authorised by FRMS or the relevant third party owner.

You may not store any significant portion of any FRMS content or FRMS services or materials in any form.

Under Copyright, Designs and Patents Act 1988 and related amendments you are limited as to the amount of material that you may download, print, copy and/or cut and paste from the website. It is your responsibility to ensure that you do not infringe any applicable law.

You may only download and print a reasonable quantity of copies of FRMS content for non-commercial, personal or educational use only. The copies must contain any copyright or other proprietary rights notices that are contained in the original source. The copies must not be modified.

You acknowledge that FRMS and/or third-party providers remain the owners of the FRMS content and that you do not acquire any intellectual property rights in the FRMS content.

FRMS Matrix is a trade mark of Frankham Risk Management Limited. The FRMS Matrix name and other related trade marks including the FRMS logo that appears throughout the website are trade marks of FRMS or our related third parties ("Trade Marks"). You are strictly prohibited from using, displaying or providing links to the Trade Marks without express permission from FRMS or our related third parties in relation to their trade marks.

Information Does Not Represent Professional Advice

The material provided on the website is provided as general information only. It is not intended as professional advice and must not be relied upon as such.

Prior to entering into a transaction or taking any particular course of action in connection with the website, you should make your own inquiries and seek independent advice tailored to your specific circumstances and objectives.

Accuracy and Usefulness of Information

All material and information on the website is provided in good faith and is believed to be accurate and current as at the date of publication. However, FRMS provides no warranty or guarantee that any material or information on the website or linked websites will be accurate or complete.

FRMS will not be liable for any damages whatsoever whether in an action in contract, negligence or other tort, arising out of or in connection with access to the website or the information and material contained in it. All warranties of any kind are excluded to the maximum extent permitted by law.

FRMS makes no guarantee as to the usefulness of the material and information on the website, nor any of the products and services promoted on it or via linked websites.


You agree and understand that FRMS may prevent or restrict your access to the website for any technical, security and or any other reasons at its absolute discretion.

FRMS will advise you as soon as practicable of any restrictions imposed on your access to the website.

Variation of These Terms

FRMS may vary these Terms at any time. In the event that FRMS varies these Terms, it will provide notice by publishing the varied Terms on the website.

You accept that by doing this, FRMS has provided you with sufficient notice of the variation.

No Warranties or Representations

To the extent permissible by law, FRMS makes no warranty or representation (express or implied) regarding the quality, accuracy, reliability, currency, performance, completeness or fitness for purpose of any part of the website or any of the FRMS content.

FRMS does not represent or warrant (expressly or impliedly) that the website or any of the FRMS content, or the facilities that make the website and the FRMS content available, will not cause damage, or are free from any computer virus or any other defects or errors, or that your access to the website or any FRMS content will be uninterrupted.

To the maximum extent permitted by law, FRMS is not liable (whether in contract, negligence or otherwise) for any loss or damage arising from the use of the website or any of the FRMS content.

To the maximum extent permissible by law, FRMS's liability for breach of any implied warranty or conditions that cannot be excluded is restricted, at FRMS's option, to:

  • the re-supply of the relevant goods or services; or
  • the cost of the re-supply of the relevant goods or services; or
  • any amount paid by you to FRMS in respect of the relevant goods or services.

You agree that in no circumstances will FRMS be liable for any indirect, incidental, special and/or consequential losses or damages of whatever nature arising out of your use of the website or of any of the FRMS content (including, but not limited to, losses or damages arising out of, or attributable to, an act or omission by FRMS).

No Guarantees as to the Service

The website contains downloadable materials and links to external websites.

FRMS is not responsible for, and has no control over, the content of downloadable materials or external sites.

You understand that FRMS cannot and does not guarantee, warrant or represent that files or software of any kind, or from any source, available for downloading through the website, will be free of infection or viruses, worms, Trojan horses or other code or defects that manifest contaminating or destructive properties.

Prices and Payments

All prices quoted on the website are quoted in Great British Pounds ("GBP") and are inclusive of VAT.

All payments to be made to FRMS must be in GBP and must be inclusive of VAT. A payment to be made to FRMS must always be made in accordance with FRMS's payment terms that apply to that payment.

Payments that are received in a currency other than GBP will not be accepted and any attempted registration by you in respect of the website or FRMS content will be delayed until correct payment is made.

All prices quoted on the website are subject to change without notice. You should confirm the price of a product or service before placing an order for it.

Links to Third Party Websites

The website may contain links and pointers to other websites operated by third parties.

Third party links and pointers are included solely for your convenience. Links to third party websites do not constitute endorsement, sponsorship or approval by FRMS of the content, policies or practices of those third party websites.

You agree that by accessing any third party linked website you do so at entirely at your own risk.

FRMS will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with, use or reliance on any goods or services available on or through any third party website.


By using this website, you agree to FRMS Matrix Privacy Policy. A copy of the FRMS’ matrix Privacy Policy may also be accessed from this site.


When using the World Wide Web, the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond the control of FRMS.

You assume all risk and liability of your use of the World Wide Web, the Internet or any such third party networks, including any access to the website via such media.


If any part of these Terms is held invalid, illegal or unenforceable, that part shall be severed and the remainder will continue to be valid and enforceable.


The use of the website is governed by, construed and enforced in accordance with the laws of England and Wales and you irrevocably submit to the non-exclusive jurisdiction of the courts of England and their respective courts of appeal in that regard.

Reservation of Rights

Any rights not expressly granted to you herein are reserved by FRMS.

For the purposes of this agreement the words "FRMS", "We", "Our" and "Us" refer to Frankham Risk Management Services Ltd and "website" to materials delivered on and other co-branded versions of the site.