Acceptance of Terms

GEM Estates maintains the Site for your personal use only. Your access to and use of this Site is subject to the following terms & conditions. GEM Estates reserves the right to update these terms & conditions at any time without notifying you. By accessing to and using this Site, you accept, without limitation or qualification, these terms & conditions.

Copyright

Except where noted otherwise, all material on the global portion of the website (the "Site") is Copyright " 2008 Global Emerging Markets SL ("GEM Estates"). All rights reserved. No part of the materials on this Site, including but not limited to the text, graphics and html code, may be reproduced or transmitted in any form by any means without GEM Estates" written permission.

Accuracy and Completeness of Information

While GEM Estates has made every effort to provide current and accurate information from reliable sources, errors can occur. GEM Estatestakes no liability or responsibility for any errors or omissions in the content contained on this Site. Furthermore, this Site may contain references to certain laws and regulations. Laws and regulations may change over time and should be interpreted only in light of particular circumstances. The material, content and information on this Site is provided "as is", with no guarantees of completeness, accuracy or timeliness, and without warranties of any kind, express or implied. GEM Estates does not guarantee that this Site, theservices provided through this Site, and any material, information or content downloaded from this Site, is uninterrupted or free of viruses or other harmful components. The information contained on this Site should not be construed as legal, tax, accounting or any other professional advice or service. You should consult with a professional advisor familiar with your particular factual situation for advice concerning specific legal, tax, accounting or other matters before making any decision. For users" convenience, this Site may provide links to other websites owned and operated by third parties or affiliates and not maintained by GEM Estates. GEM Estates has no control over these linked sites, all of which have separate terms and conditions independent of GEM Estates. GEM Estates is not responsible for the materials, information or contents of any of the linked websites and does not make any representations regarding accuracy of materials, content or information on such websites. Viewing such websites is entirely at your own risk.

Modification of Site

GEM Estates will periodically revise the material, information, services or resources contained in this Site and reserves the right to make such changes without any obligation to give notifications.

Your Use of the Site

You may download materials from this Site for non-commercial and personal use only, provided that the intellectual property rights or other proprietary notices remain unchanged and visible. No right or interest in any downloaded materials is transferred to you as a result of any such downloading. You agree that you will not otherwise copy, modify, display, distribute, sell or transmit any material on the Site in any manner without the written permission of GEM Estates. Furthermore, you shall not, under any circumstances, use the Site for any purpose that is prohibited by these terms and conditions or any applicable laws.

Limitation of Liability

To the fullest extent permissible pursuant to applicable laws, GEM Estates disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose. In no event and under no legal or equitable theory, whether in tort, contract, strict liability or otherwise, shall GEM Estates, or its members, shareholders, agents or employees be liable to you or anyone else for any decision made or action taken in reliance on or any direct, indirect, special, incidental or consequential damages arising out of using the information in this Site or for any consequential, special or similar damages, even if advised of the possibility of such damages, including, without limitation, damages for lost profits, loss of goodwill, loss of data, work stoppage, accuracy of results, or computer failure or malfunction.

Indemnification

You agree to indemnify and hold GEM Estates harmless from and against any and all claims, damages, costs and expenses arising from and related to your use of the Site.