Copyright
 
Web Site Terms of Use (Copyright)
 
Copyright
 
Institute of Credit Management : © 2006 : All Rights Reserved
   
You acknowledge and agree that all content and information available on this website, including but not limited to text, software, music, sound, photographs, graphics, video or other material contained in sponsor advertisements or information presented to you by us, our partners or advertisers ("Material"), is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws.
   
You acknowledge and agree that you are permitted to use this Material for your personal, use or as expressly authorised by us, our partners or advertisers, and may not copy, reproduce, transmit, distribute, or create derivative works of such Material without our express authorisation.
   
You acknowledge and agree that any material you post on any area on this Web Site that is accessible to the public will be treated as non-confidential and non-proprietary and we may use such material in any medium for any purpose, including but not limited to the reproduction, disclosure, transmission, publication, broadcast and posting of such material in advertising and promotions.