Terms and Conditions

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy governs our relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

Carmichael  & Co (the trading style of Carmichaels Insolvency Ltd) is a firm of Licensed Insolvency Practitioners dealing with liquidations; bankruptcies; administrations and voluntary arrangements not web design.  We have done our best to make sure that everything is accurate, but sometimes the law changes, and sometimes people just make mistakes.  Before doing anything which could lead to a major change in your lifestyle we suggest speaking to us – we don’t charge for this.  If you do not talk to us, we take no responsibility for what you do – we offered to talk to you and you chose not to!

Having said that, so far as we know everything is correct at the time of writing (June 2015).  Things change, and whilst we update the website it may not be totally up to date.

We have written everything on this website (unless we have said otherwise, such as Insolvency Service leaflets), and it took a long time, so please do not just copy everything and say you wrote it.  We know that you will print things, and that is fair, but if you are printing a lot of copies why not ask us to come along too and we can explain things and answer questions.

Put more formally, the content of the pages of this website is for your general information and use only. It is subject to change without notice.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

The copyright in material on this website is owned by Carmichael & Co and protected by the copyright laws of the United Kingdom, international copyright treaties and all other applicable copyright and intellectual property laws. You are entitled to copy any information for your own personal use but may not republish any such information in any manner without our prior written consent.  You agree not to remove any product identification, copyright notices or legends or other notices or proprietary restrictions from any of the material or information contained in these web pages. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any services or information available through this website meet your specific requirements.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Your use of this website and any dispute arising out of such use of the website is subject to the laws of England,

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