Terms of Use

Unless specified otherwise, references in www.xchanging.com (the ”Site”) to 'Xchanging' and the 'Xchanging Group' shall mean Xchanging plc and its subsidiaries and affiliates. Xchanging plc is a public limited company incorporated in England and Wales (company registered number 5819018 with its principal place of business at The Walbrook Building, 25 Walbrook, London, EC4N 8AQ.

By registering with, using or visiting the Site you are deemed to agree to these terms and conditions (“Terms”) and our Privacy Policy, without limitation or qualification. If you do not agree to the Terms on which Xchanging makes the Site available to you please do not register via or use the Site.

1. Xchanging’s obligations and the Terms

While Xchanging has taken reasonable care to ensure that the information on this Site (other than information accessed by hypertext link) is accurate at the time of last revision of the website, Xchanging accepts no liability for the accuracy or completeness or use of, nor any liability to update, the information contained on this Site. It should not be construed as the giving of advice or the making of a recommendation and should not be relied on as the basis for any decision or action. In particular, actual results and developments may be materially different from any forecast, opinion or expectation expressed on this Site.

Certain information on this Site is of a historical nature and may now be out of date. All historical information should be understood as speaking from the date of its first publication.

Nothing on this Site constitutes an invitation or offer to invest or deal in the securities of Xchanging or any Xchanging group companies. This Site may contain certain hypertext-links to other websites. Xchanging has not reviewed, is not responsible for, and accepts no liability in respect of, any information or opinion contained on any such other website. For the avoidance of doubt Xchanging is not responsible for the availability or content of any third party websites or material you access through the Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses and or any other destructive elements. Xchanging does not endorse and is not responsible or liable for any content, advertising, products, services or information on or available from third party websites.

Unless otherwise stated, the contents of this site including, but not limited to, the text and images contained herein and their arrangement are the property of Xchanging. All trademarks used or referred to in this Site are the property of their respective owners. Xchanging neither warrants nor represents that your use of materials displayed on this site will not infringe rights of third parties not owned by or affiliated to Xchanging.

Nothing contained in this Site shall be construed as conferring by implication, estoppel, or otherwise, any license or right to any copyright, patent, trademark or other proprietary interest of Xchanging or any third party. This Site and the content provided in this Site, including, but not limited to, graphic images, audio, video, html code, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of Xchanging, except that you may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use, provided that you do not modify the material in any way and you keep intact all copyright, trademark, and other proprietary notices.

The information provided on this Site is free of charge and for informational purposes only and does not create a business or professional services relationship between you and Xchanging. Links on this Site may lead to services or sites not operated by Xchanging. No judgement or warranty is made with respect to such other services or sites and Xchanging takes no responsibility for such other sites or services. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on this Site, or any site or service linked to by this Site, is at your own risk.

This Site and its contents are provided 'as-is' and Xchanging makes no representation or warranty of any kind with respect to this Site or any site or service accessible through this Site. Xchanging expressly disclaims all express and implied warranties including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In no event will Xchanging be liable to any party for any direct, indirect, incidental, special, exemplary, consequential, or other damages (including, but not limited to, lost profits, business interruption, loss of programs or data) without regard to the form of action and whether in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with this Site, any content on or accessed through this Site or any site service linked to, or any copying, displaying, or use thereof.

2. Law and Jurisdiction

Xchanging maintains this Site in the UK and you agree that these terms of use and any legal action or proceeding relating to this Site shall be governed by English law without reference to its choice of law rules. If you attempt to bring any legal proceedings against Xchanging you specifically acknowledge that Xchanging is free to choose the jurisdiction of our preference as to where such action against us may be held. As you have agreed by using this Site to choose English law and to govern any such proceedings, we will probably choose to defend any such action in England and we can make this decision entirely as it suits us, without regard to where in the world you are located, or from where in the world you visited this Site.

You are responsible for complying with the laws of the jurisdiction from which you are accessing this Site and you agree that you will not access or use the information on this site in violation of such laws. Unless expressly stated otherwise herein, any information submitted by you through this site shall be deemed non-confidential and non-proprietary. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so. Because of the open nature of the internet, we recommend that you not submit information you consider confidential.

Xchanging does not accept unauthorised idea submissions outside of established business relationships. To protect the interests of our current customers and ourselves, we must treat the issue of such submissions with great care. Importantly, without a clear business relationship, Xchanging cannot and does not treat any such submissions in confidence. Accordingly, please do not communicate unauthorised idea submissions to Xchanging through this website. Any ideas disclosed to Xchanging outside a pre-existing and documented confidential business relationship are not confidential and Xchanging may therefore develop, use and freely disclose or publish similar ideas without compensating you or accounting to you. Xchanging will make every reasonable effort to return or destroy any unauthorised idea submissions without detailed review of them. However, if a review is necessary in Xchanging's sole discretion, it will be with the understanding that Xchanging assumes no obligation to protect the confidentiality of your idea or compensate you for its disclosure or use. By submitting an idea or other detailed submission to Xchanging through this Site, you agree to be bound by the Terms of this stated policy.

International Data Transfers

Our servers are situated in the UK; however we collect data from wherever users are situated. The information that we collect will therefore be transferred to the UK from any other country in which you may be located and be subject to UK Data Protection laws rather than the laws of the country in which you are resident.

Consent under the Data Protection Act 1998 - The information provided by you, and which constitutes personal data under the Data Protection Act 1998, will be processed only by Xchanging, a members of the Xchanging Group and/or a third party service provider (employed by Xchanging) for purposes relating to use of the Site, Xchanging’s business and information about any events or publications where you have specifically requested such information or consented to its provision. By indicating that you agree with this, you are giving your express consent to us and/or a third party service provider to retain and process all such personal data and to transfer it to countries outside of the European Economic Area if required. Such countries may not have as extensive data protection standards as the UK and your consent to the above shall expressly constitute acceptance of this fact and permission to proceed with such processing outside of the European Economic Area. Notwithstanding this you are entitled to know whether we hold information about you and, if we do, to have access to that information and require it to be corrected if it is inaccurate. You can do this by completing the Contact Us form.


It is vital that websites are accessible to everyone - not only does it make good business sense, but it is also a legal requirement for businesses and organisations to make reasonable adjustments to provide accessible services or information.

One of the main goals of the World Wide Web Consortium (“W3C”) is to make the worldwide web accessible to all by promoting technologies that take into account the vast differences in culture, languages, education, ability, material resources, access devices, and physical limitations of users on all continents.

Many users may be operating in contexts very different from our own:

  • They may not be able to see, hear, move, or may not be able to process some types of information easily or at all.
  • They may have difficulty reading or comprehending text.
  • They may not have or be able to use a keyboard or mouse.
  • They may have a text-only screen, a small screen, or a slow internet connection.
  • They may not speak or understand fluently the language in which the document is written.
  • They may be in a situation where their eyes, ears, or hands are busy or interfered with (e.g., driving to work, working in a loud environment, etc.)
  • They may have an early version of a browser, a different browser entirely, a voice browser, or a different operating system.

W3C has a set of guidelines, to promote accessibility, which this Site aims to meet - these are as follows:

  • Provide equivalent alternatives to auditory and visual content.
  • Provide content that, when presented to the user, conveys essentially the same function or purpose as auditory or visual content.
  • Do not rely on colour alone.
  • Ensure that text and graphics are understandable when viewed without colour.
  • Use markup and style sheets and do so properly.
  • Mark up documents with the proper structural elements. 
  • Control presentation with style sheets rather than with presentation elements and attributes.
  • Clarify natural language usage.
  • Use markup that facilitates pronunciation or interpretation of abbreviated or foreign text. 
  • Create tables that transform gracefully.
  • Ensure that tables have necessary markup to be transformed by accessible browsers and other user agents. 
  • Ensure that pages featuring new technologies transform gracefully.
  • Ensure that pages are accessible even when newer technologies are not supported or are turned off. 
  • Ensure user control of time-sensitive content changes.
  • Ensure that moving, blinking, scrolling, or auto-updating objects or pages may be paused or stopped. 
  • Ensure direct accessibility of embedded user interfaces.
  • Ensure that the user interface follows principles of accessible design: device-independent access to functionality, keyboard operability, self-voicing, etc. 
  • Design for device-independence.
  • Use features that enable activation of page elements via a variety of input devices.
  • Use interim solutions.
  • Use interim accessibility solutions so that assistive technologies and older browsers will operate correctly. 
  • Use W3C technologies and guidelines.
  • Use W3C technologies (according to specification) and follow accessibility guidelines.
  • Where it is not possible to use a W3C technology, or doing so results in material that does not transform gracefully, provide an alternative version of the content that is accessible. 
  • Provide context and orientation.
  • Provide context and orientation information to help users understand complex pages or elements. 
  • Provide clear navigation mechanisms.
  • Provide clear and consistent navigation mechanisms - orientation information, navigation bars, a site map, etc. - to increase the likelihood that a person will find what they are looking for at a site. 
  • Ensure that documents are clear and simple.

For any comments or questions regarding Xchanging’s approach to accessibility, please contact us via our contact form.

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