Idea to Insight - Assessment Terms

PixelForce Systems Pty Ltd | ABN 68 162 114 696
Version 1.0 | Published 14 August 2026
Superseded versions are available on request.

1. About these Terms

1.1 These Terms govern the supply by PixelForce of the Idea to Insight assessment service (the Assessment). They form a contract between you and PixelForce.

1.2 In these Terms:

ACL means the Australian Consumer Law in Schedule 2 to the Competition and Consumer Act 2010 (Cth).

Assessment means the review of your Submission and the preparation and delivery of the Report.

Business Day means a day that is not a Saturday, Sunday or public holiday in Adelaide, South Australia.

Engagement Credit means the credit described in clause 5.

Fee means the fee for the Assessment stated on the Site at the time you purchase.

Intake Form means the online form we make available to you by email after purchase, through which you provide your Submission.

PixelForce, we, us and our mean PixelForce Systems Pty Ltd ABN 68 162 114 696 of Level 3, 97 King William Street, Kent Town SA 5067.

Privacy Collection Notice means our Idea to Insight Privacy Collection Notice at pixelforce.com/idea-to-insight-privacy-notice.

Privacy Policy means our privacy policy at pixelforce.com/privacy-policy.

Report means the written report we prepare and deliver to you in response to your Submission.

Site means pixelforce.com.

Terms means these Idea to Insight Assessment Terms.

Submission means the information, materials and documents you provide to us through the Intake Form or otherwise for the purposes of the Assessment, including any description of a business concept, product, application or platform.

you and your mean the person who purchases the Assessment. If you purchase on behalf of an entity, you do so as that entity's authorised representative and "you" means that entity.

1.3 A reference to a clause is a reference to a clause of these Terms. Headings are for convenience only and do not affect interpretation. Where these Terms say "including" or "for example", the examples given are not a complete list.

2. When these Terms apply

2.1 These Terms apply from the time you pay the Fee.

2.2 Before you pay the Fee, we will make these Terms available to you and ask you to confirm that you accept them. By paying the Fee you agree to these Terms.

2.3 We may change these Terms for future purchases. The version of these Terms that applies to your Assessment is the version published on the Site at the time you paid the Fee, and we will not change that version after you have paid. We will keep superseded versions available on request.

2.3A Nothing in clause 2.3 permits us to reduce or withdraw any right you have already acquired, including the Engagement Credit under clause 5.

2.4 These Terms, together with the Privacy Collection Notice and our Privacy Policy, are the whole of the agreement between you and us about the Assessment, and prevail over our Website Terms of Use to the extent of any inconsistency. This clause does not limit your rights in relation to anything we have actually told you, and it does not affect any right or remedy you have under the ACL.

3. What you are buying

3.1 The Assessment consists of:

(a) our review of your Submission;

(b) preparation of the Report, which will include a structured written analysis of the concept described in your Submission and a score across the dimensions described on the Site, each score being our opinion of the concept as it has been described to us;

(d) a walkthrough call of approximately 30 minutes with a member of our team to discuss the Report, if you request one within 30 days of delivery of the Report and we can agree a mutually convenient time.

3.2 The Assessment does not include:

(a) any market research, competitor verification, financial modelling, valuation, or independent verification of anything stated in your Submission;

(b) any legal, accounting, taxation, financial product or investment advice;

(d) any commitment by us to accept you as a client or to quote for or perform any subsequent engagement; or

(e) any revisions to the Report beyond those described in clause 3.4.

3.3 We will deliver the Report within the period stated on the Site, calculated from the time you submit the Intake Form, or if no period is stated, within a reasonable time. If we will not meet that period we will tell you before it expires and give you a revised time, and you may then choose to cancel and receive a full refund of the Fee. Time does not run while we are waiting for information we have asked you for.

3.4 If the Report contains a factual error about your Submission, or does not address a matter your Submission clearly raised, tell us within 14 days of delivery and we will correct it at no charge. This is in addition to, and does not limit, your rights under clause 10.

3.5 The Assessment is based only on what you tell us. We do not verify your Submission. If your Submission is incomplete, inaccurate or misleading, the Report will reflect that.

4. Fee and payment

4.1 The Fee is the amount stated on the Site at the time you purchase, and is inclusive of GST. As at the date of these Terms the Fee is AUD $497, including GST. The Fee is payable in full before we make the Intake Form available to you. If we change the Fee, the change does not affect an Assessment you have already purchased.

4.2 You pay the Fee through our payment provider, Stripe. Stripe handles your payment details; we do not receive or store your card details.

4.3 The Fee is a one-off charge. There is no subscription, no recurring charge and no further amount payable for the Assessment.

4.4 We will issue you a tax invoice for the Fee.

5. The Engagement Credit

5.1 If at any time you enter into a written agreement with us for any services - including software design or development, advisory or consulting work, support, or a retainer - we will credit the full amount of the Fee against the fees payable by you under that agreement. There is no time limit on this credit.

5.2 The Engagement Credit:

(a) is applied against the first invoice issued under that agreement, and if that invoice is for less than the Fee, the balance carries forward to subsequent invoices under the same agreement;

(b) is applied on a GST-inclusive basis, consistently with how the Fee was paid;

(d) is not redeemable for cash and is not transferable to another person, except to an entity within clause 5.4;

(e) is not conditional on the value, scope or duration of the engagement, and we will not withhold it on the basis that the engagement is smaller than we expected; and

(f) survives any change to these Terms. If we later withdraw or change the Engagement Credit, the change does not affect an Assessment you have already purchased;

(g) is reinstated in full if an invoice against which it was applied is later cancelled, withdrawn or credited, or if the agreement is terminated before we have earned the credited amount; and

(h) is not available in respect of an Assessment for which we have refunded the Fee.

5.3 To claim the Engagement Credit, tell us before we issue the first invoice under the agreement. If you tell us afterwards, we will still honour it and apply it to the next invoice. If you cannot locate your receipt, we will check our own records - the Engagement Credit is not conditional on you producing proof of purchase.

5.4 If you carry on the relevant business through a different entity by the time you engage us - for example you incorporate a company, restructure, or form a new entity to develop the concept described in your Submission - the Engagement Credit is available to that entity. This applies where the entity is you, a related body corporate of yours, an entity you control, an entity that controls you, or an entity controlled by the same persons who control you. You may nominate the entity in writing at any time before the Engagement Credit is applied, and we will not withhold it because the agreement is entered into by that entity rather than by you.

5.5 Nothing in this clause obliges us to offer to perform any subsequent work, or to quote any particular price. If we do not offer you an engagement, or you do not proceed, the Fee is not refundable on that basis - but see clause 10 for your rights if we have failed to meet a consumer guarantee.

5.6 The Engagement Credit is a reduction in the fees payable to us under an agreement for services. It is not a cash entitlement, and it does not become payable in cash if you never engage us. If we cease to carry on business, your rights in respect of the Engagement Credit are those of an unsecured creditor.

6. Confidentiality of your Submission

6.1 Our undertaking. We will keep your Submission confidential. We will not disclose your Submission, or the Report, to any person except as permitted by clause 6.2, and we will not use your Submission for any purpose other than performing the Assessment, complying with these Terms, and improving our own assessment methodology and templates in de-identified or aggregated form. We will not use the concept described in your Submission for our own product development or for any other client's project.

6.2 Permitted disclosures. We may disclose your Submission and the Report:

(a) to our personnel and contractors who need it to perform the Assessment, each of whom is bound by confidentiality obligations no less protective than this clause;

(b) to service providers who host, store, transmit or process information on our behalf, including in performing the Assessment. We choose those providers having regard to their published terms and security practices, and we do not give any of them permission to use your Submission for their own purposes. The artificial intelligence service provider described in clause 7 is one of these providers, and clause 7.3 explains what we can and cannot tell you about its terms;

(d) where you direct or permit us to; and

(e) to a purchaser of our business, in confidence and on terms no less protective than this clause; and

(f) where we are required to by law, by a court, or by a regulator - and in that case, to the extent we lawfully can, we will tell you first.

6.3 Security. We will take reasonable steps to protect your Submission and the Report from misuse, loss, unauthorised access, modification and disclosure.

6.4 Retention and deletion. We will retain your Submission and the Report for 24 months from the date we deliver the Report. After that we will delete them.

Two exceptions apply: any copy the law requires us to keep, and copies held in our routine backups, which are deleted when those backups are overwritten on their normal cycle.

You may ask us to delete your Submission earlier by writing to legal@pixelforce.com, and we will delete it from our own systems within 30 days unless we are required to keep it. Deletion does not extend to copies held in our routine backups until those backups are overwritten, or to any copy held by a service provider under its own retention arrangements, which is deleted on that provider's cycle rather than ours.

6.4A Purchase records. Deletion under clause 6.4 applies to your Submission and the Report. It does not affect our record of your purchase, which we keep for as long as we need it for tax and record-keeping purposes and in order to honour the Engagement Credit under clause 5. That record does not include the content of your Submission.

6.5 Our freedom to operate. Subject always to clause 6.1, you acknowledge and agree that:

(a) we are a software development agency. We work for many clients, we receive many concepts, and we will continue to work on products, features and technologies that may be similar to, or compete with, the concept described in your Submission;

(b) subject to clause 6.1, nothing in these Terms restrains us from working for any person, in any market, on any product, or from independently developing anything - whether before, during or after the Assessment;

(c) we retain the general knowledge, skills, experience, know-how and techniques of our personnel, including anything a person who has seen your Submission remembers without referring back to it, and we may use them freely. This clause 6.5(c) does not permit us to use your Submission, or to use or disclose the specific confidential content of your Submission; and

(d) working on or delivering for another person something similar to the concept in your Submission is not, of itself, a breach of clause 6.1 or of any obligation of confidence we owe you, provided we have not used your Submission or used or disclosed its specific confidential content. Clause 11 sets out the limits on our liability.

6.6 Not confidential. Clause 6.1 does not apply to information that is or becomes public other than through our breach, that we already held without an obligation of confidence, that we receive from a third party without an obligation of confidence, or that we develop independently without use of your Submission.

6.7 Custom confidentiality arrangements. If you need a separate confidentiality agreement, contact us at legal@pixelforce.com before you pay the Fee. We will consider your request and, if we agree, we will provide our standard mutual non-disclosure agreement. If we enter into a separate confidentiality agreement with you and it conflicts with this clause 6, the separate agreement wins. Clause 6.5 is the one exception: it continues to apply unless we have expressly agreed in writing to change it.

7. How we produce the Report

7.1 We prepare the Report for you. We use an artificial intelligence service, provided to us by a third party, to produce a draft of the Report from your Submission, and a PixelForce team member then reviews, edits and approves every Report before we deliver it. You do not interact with that service, and no Report is delivered without human review.

7.2A The third party that provides the artificial intelligence service processes information outside Australia. Where that processing happens is determined by the provider and may change. Clause 6.2(b) applies to that provider, and our Privacy Policy and the Privacy Collection Notice explain how we handle overseas disclosure.

7.3 What we can and cannot tell you about the provider. We use the provider's business service rather than a consumer product, and we do not give the provider permission to use your Submission for its own purposes.

What the provider is itself permitted to do with material we send it is governed by the provider's own terms. The provider sets those terms and may change them. We do not control them, and we do not make any representation to you about what they say at any particular time. If you would like to know which provider we currently use, ask us at legal@pixelforce.com before you submit and we will tell you.

7.3A If you would rather we did not use an artificial intelligence service. Processing your Submission through the service described in clause 7.1 is part of how we produce the Report, and we cannot prepare the Report without it. If you do not want your Submission processed that way, do not submit it. Tell us at legal@pixelforce.com and we will refund the Fee in full.

7.4 You agree that we may input your Submission into the artificial intelligence service described in clause 7.1 for the purpose of preparing the Report.

7.5 We remain responsible to you for the Report. Nothing in this clause 7 transfers any of our obligations under these Terms, or under the Australian Consumer Law, to the provider of the artificial intelligence service, and we do not rely on that provider's involvement to reduce our responsibility for the Report.

8. What the Report is, and what it is not

8.1 The Report is our opinion, based only on the information in your Submission, about the matters described in clause 3.1(b). It is provided to help you make your own decisions.

8.2 The Report is not:

(a) legal, accounting, taxation, financial product or investment advice, and must not be relied on as any of those;

(b) a valuation of your concept, your business or any interest in it;

(d) a prediction or guarantee of commercial success, revenue, profitability, user adoption, funding, or any other outcome; or

(e) a quote, estimate or offer to perform work, or a commitment as to the cost or duration of any build.

8.3 We do not verify anything in your Submission, and we do not conduct independent market, competitor, technical or financial due diligence. Any statement in the Report about your market, your competitors, your budget or your commercial position is drawn from your Submission.

8.4 Any score, rating or numerical output in the Report is our opinion, formed from your Submission alone, on the dimension it names. It is not a valuation, not a probability of commercial success, not an investment grade or rating, and not financial product advice. Scores addressing commercial dimensions - including pricing potential, purchasing power, growth trend and distribution - are our impressions as a software development agency, based only on what you have told us. They are not the product of market research, competitor verification or financial analysis, none of which we perform.

8.5 You are responsible for your own decisions. Before acting on the Report, you should obtain your own professional advice appropriate to your circumstances.

9. Sharing the Report

9.1 We license the Report to you for your own business purposes, including making your own decisions about whether and how to develop the concept, and including the sharing permitted by clause 9.2. That licence lasts indefinitely, is not exclusive to you, and costs you nothing further.

9.2 You may share the Report with your co-founders, directors, employees, professional advisers and actual or prospective investors or funders.

9.3 You must not publish the Report, make it publicly available, or use it in any advertising or promotional material, without our prior written consent. We will not unreasonably withhold that consent. This clause does not prevent you from:

(a) sharing the Report as permitted by clause 9.2;

(b) describing your own experience of the Assessment, including publishing your own review, opinion or criticism of it, and quoting from the Report to the extent reasonably necessary to do so; or

(c) providing the Report to a court, tribunal, regulator, ombudsman or your own advisers, or where you are required to disclose it by law.

9.4 If you share the Report under clause 9.2, you must share it in full and unaltered, including all notices it contains, except that you may redact information that is confidential to you or to a third party. You must not extract, excerpt, quote selectively from, or reproduce parts of the Report in a way that misrepresents our conclusions or omits its qualifications. Clause 9.3(b) is not affected by this clause.

9.5 The Report is prepared for you and for your purposes. We do not owe any duty of care to, and accept no responsibility to, any person other than you in respect of the Report. Any person who receives the Report from you does so on the basis that they rely on it at their own risk and must make their own enquiries.

9.6 Nothing in this clause 9 limits our liability under the ACL or under any other law where that liability cannot lawfully be limited.

10. Your rights under the Australian Consumer Law

10.1 When you buy the Assessment, you are a consumer under the ACL, because the Fee does not exceed $100,000. This is so whether you buy as an individual or through a company, and whether or not you buy for business purposes.

10.2 Our services come with guarantees that cannot be excluded under the ACL. Among other things, we guarantee that the Assessment will be:

(a) provided with due care and skill;

(b) reasonably fit for any purpose you make known to us, expressly or by implication, and of a nature and quality that might reasonably be expected to achieve any result you make known to us - unless the circumstances show that you did not rely on our skill or judgement; and

10.3 If we fail to meet a consumer guarantee.

(a) Any failure. You may ask us to remedy the failure, and we will do so within a reasonable time. If we refuse, or do not remedy it within a reasonable time, you may either have the failure remedied elsewhere and recover the reasonable costs from us, or terminate the contract for the Assessment. In either case you may also recover compensation for any other reasonably foreseeable loss or damage you suffer because of the failure.

(b) Major failure. If the failure is a major failure, you may instead choose to terminate the contract for the Assessment and receive a refund of the Fee, or to keep the Report and recover compensation for any reduction in the value of the Assessment below the Fee you paid. In either case you may also recover compensation for any other reasonably foreseeable loss or damage you suffer because of the failure.

(c) This clause is a summary of the remedies the ACL gives you. It is not a substitute for them and it does not limit them. If this clause and the ACL differ, the ACL prevails.

10.4 Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you have under the ACL or any other law where to do so would be unlawful. If any part of these Terms would have that effect, it does not apply to that extent.

10.5 Change of mind. Separately from, and in addition to, your rights under clauses 10.2 to 10.4:

(a) if you change your mind at any time before you submit the Intake Form, tell us and we will refund the Fee in full;

(b) if you change your mind after you submit the Intake Form, tell us within 48 hours of submitting and we will refund the Fee in full, unless we have already delivered the Report; and

(c) after that, we do not offer change-of-mind refunds, because the Assessment is prepared specifically for you. This does not affect your rights under clauses 10.2 to 10.4, and does not affect clause 3.4.

10.6 To make a claim or request a refund, contact us at legal@pixelforce.com. We will respond within 5 Business Days.

11. Our liability

11.1 Clause 10 applies before this clause, and prevails over it. Nothing in this clause limits or excludes anything that cannot lawfully be limited or excluded, including your rights and our liability under the ACL, liability for fraud, or liability for death or personal injury caused by our negligence.

11.2 What this clause does and does not cover. This clause 11 applies only to liability that arises otherwise than under clause 10 and the consumer guarantees - for example a claim in contract or in negligence. It does not reduce, and must not be read as reducing, any remedy you are entitled to under clause 10. If there is any inconsistency between this clause 11 and clause 10, clause 10 prevails.

11.3 Subject to clauses 10, 11.1 and 11.2, and to the maximum extent permitted by law, our total aggregate liability to you arising out of or in connection with the Assessment, the Report and these Terms - whether in contract, tort (including negligence), under statute or otherwise - is limited to the greater of the Fee and the cost of supplying the Assessment again.

11.4 Subject to clauses 10, 11.1 and 11.2, and to the maximum extent permitted by law, we are not liable for any loss of profit, revenue, business opportunity, anticipated saving, funding or goodwill, or for any indirect or consequential loss, arising out of or in connection with the Assessment or the Report. This clause does not apply to compensation you are entitled to under clause 10.3.

11.5 Our liability is reduced to the extent that your own act or omission, or your failure to provide accurate or complete information in your Submission, caused or contributed to the loss.

11.6 Your liability to us is reduced to the extent that our own act or omission caused or contributed to the loss.

12. Your Submission - your responsibilities

12.1 You warrant that, so far as you are aware after making reasonable enquiry:

(a) you have the right to provide your Submission to us, and providing it does not breach any obligation you owe to any other person;

(b) your Submission does not infringe any person's intellectual property, confidentiality or other rights; and

(c) your Submission does not contain anything unlawful, and does not contain personal information about any other person unless you are permitted to give it to us; and

(d) you are at least 18 years old, or you are purchasing on behalf of an entity you are authorised to represent.

12.1A Your total aggregate liability to us arising out of or in connection with the Assessment and these Terms is limited to the greater of the Fee and AUD $5,000, except in the case of your fraud or your wilful breach of clause 12.1.

12.2 You own your Submission. You grant us a non-exclusive licence to use, copy and process your Submission to the extent necessary to perform the Assessment and comply with these Terms.

12.3 We own all intellectual property in the Report, including its structure, methodology, scoring framework and template. Clause 9.1 sets out your licence to use it.

12.4 Do not send us anything you are not willing to have us read, including anything subject to a confidentiality obligation you owe to someone else.

13. Privacy

13.1 We handle personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy at pixelforce.com/privacy-policy.

13.2 The Privacy Collection Notice provided at the checkout and on the Intake Form explains what we collect through the Assessment, why, who we disclose it to, and how to access, correct or complain about it.

14. General

14.1 Refusal and suspension. We may decline to begin, or may stop, an Assessment if we reasonably believe that your Submission is unlawful, that performing the Assessment would breach a legal obligation we owe, or that we have a conflict of interest, or if you have not paid the Fee. If we do, we will tell you the reason and refund the Fee in full within 10 Business Days, and the Engagement Credit under clause 5 does not apply to that Assessment. This clause does not affect any other right you have, including under clause 10.

14.2 Notices. Notices to us go to legal@pixelforce.com. A notice sent to any PixelForce email address published on the Site for the relevant purpose is validly given. Notices to you go to the email address you gave us when you purchased.

14.3 Assignment. You may not assign these Terms without our consent, which we will not unreasonably withhold, except to a related body corporate where you do not need our consent. We may assign these Terms to a purchaser of our business, provided your rights under these Terms are not reduced and the purchaser assumes our obligations, including the Engagement Credit under clause 5.

14.4 Force majeure. If either of us is prevented from performing an obligation by an event outside our reasonable control, that obligation is suspended while the event continues, and the affected party must tell the other as soon as reasonably practicable and use reasonable efforts to resume. If we are prevented from delivering the Report for more than 30 days, you may cancel and we will refund the Fee. This clause does not suspend our obligation to refund you, and does not affect your rights under clause 10.

14.5 If you do not submit. If you have paid the Fee but have not submitted the Intake Form within 12 months, we will contact you at the email address you gave us. If we do not hear from you within 30 days of doing so, we will refund the Fee. You may ask for a refund at any time before you submit, under clause 10.5(a).

14.6 Record of your agreement. We keep a record of your acceptance of these Terms, the version you accepted, and the date. You may ask us for a copy at any time.

14.7 Severance. If a provision of these Terms is unenforceable, that provision does not apply, and the rest of these Terms continue to apply.

14.8 Waiver. A failure or delay in exercising a right is not a waiver of it.

14.9 Survival. Clauses 5, 6, 8, 9, 10, 11, 12.3, 14 and 15 survive completion of the Assessment.

14.10 Governing law. These Terms are governed by the law of South Australia. You and we submit to the non-exclusive jurisdiction of the courts of South Australia and of any court hearing appeals from them. Nothing in this clause prevents you from bringing a claim in a court or tribunal in the State or Territory where you live or carry on business, if that court or tribunal has jurisdiction.

14.11 If we later do work for you. These Terms govern the Assessment only. Any subsequent engagement is governed by the separate agreement we enter into for it, including any master services agreement and statement of work. Where that agreement and these Terms are inconsistent, that agreement prevails in respect of the subsequent engagement - except that clauses 5, 6, 9 and 12.3 of these Terms continue to apply to your Submission and the Report unless we expressly agree otherwise in writing.

14.12 No third party rights. These Terms confer rights and obligations on you and us only. No other person may enforce them.

15. Complaints and disputes

15.1 Tell us first. If you are unhappy with the Assessment, the Report, or anything else about your purchase, contact us at legal@pixelforce.com. Please tell us what happened and what you would like us to do.

15.2 What we will do. We will acknowledge your complaint within 5 Business Days and give you a substantive response within 20 Business Days. If we need longer, we will tell you why and when you can expect our response.

15.3 If we cannot agree. If we have not resolved your complaint within 30 days of you raising it, either of us may propose that we try to resolve it through mediation, on terms and with a mediator we both agree to, sharing the mediator's costs equally. Mediation is voluntary. Neither of us has to agree to it.

15.4 Your other options. Nothing in this clause stops you doing any of the following, at any time and without first doing anything else in this clause:

(a) making a complaint to the Australian Competition and Consumer Commission, to Consumer and Business Services South Australia, or to any other regulator or consumer protection agency;

(b) making a complaint to the Office of the Australian Information Commissioner about how we have handled your personal information;

(c) starting a proceeding in any court or tribunal that has jurisdiction, including a small claims or civil claims division; or

(d) exercising any right or remedy you have under the Australian Consumer Law.

15.5 Either of us may apply to a court at any time for urgent or injunctive relief.

15.6 This clause 15 does not create any precondition to you enforcing your rights, and is not intended to delay or discourage you from doing so. It exists because most problems are fixed faster by telling us than by anything else.

Annexure A - The notice your Report will carry

Every Report carries a notice on its first page. It reads to the following effect, and clause 9.4 requires that it stay with the Report if you share it.

About this report

This report was prepared by PixelForce Systems Pty Ltd (ABN 68 162 114 696) for the client named on it, and for that client's own decision-making.

It is based only on information the client supplied. PixelForce has not verified that information and has not conducted any independent market, competitor, technical or financial due diligence.

It was drafted with the assistance of an artificial intelligence service and reviewed and approved by a PixelForce team member before delivery.

It is not legal, accounting, taxation, financial product or investment advice. It is not a valuation. It is not a prospectus, an offer of securities or a recommendation to invest in, fund or acquire an interest in any business, and it does not take into account the objectives, financial situation or needs of any person. It is not a quote for development work, and it is not a prediction or guarantee of any commercial outcome.

The scores in this report are PixelForce's opinions, formed only from the information the client supplied, on each dimension named. They are not a valuation, not an investment grade or rating, not a probability of commercial success, and not financial product advice. They are not the output of market research, competitor verification or financial analysis.

If you are reading this report and you are not the client named on it: it was not prepared for you. PixelForce owes you no duty of care and accepts no responsibility to you in respect of it. You should make your own enquiries and obtain your own advice before acting on anything in it.

This report must be shared only in full and unaltered, including this notice.