While GEM People and Financial Management (GEM) has made every effort to ensure the information contained in the website is free from error, GEM does not warrant the accuracy, completeness or currency and information in this website. All information is subject to change without notice.

GEM does not represent or warrant that any files obtained from or through this site are free from computer viruses or other defects. Any such files are provided, and may only be used on the basis that the user assumes all responsibility for any loss, damage or consequences resulting directly or indirectly from use of those files.

Terms of use

Limitation of Liability
To the maximum extent permitted by law, GEM and each author of this site disclaims any liability to any person arising out of any action or failure to act by that person, in accessing, downloading, using or relying on any materials from this website whether caused by the negligence of GEM or otherwise.

Under no circumstances will GEM and each author of this website be liable for any indirect, incidental, special or consequential damages, including damages for loss of business or other profits, arising in relation to the use of any material from this website in any way whatsoever, whether caused by the negligence of GEM or otherwise.

Variation of Terms of Use
GEM reserves the right to vary these terms and conditions from time to time and to notify you of such variation by any means GEM thinks fit. Any variation shall become effective upon such notification.


GEM is sensitive to privacy issues on the Internet, believing it is important you know how we treat the information about you that we receive over the internet. By submitting identifying data, a visitor to our website is agreeing to GEM’s use of such data as described in this privacy statement. In general, you can visit GEM on the web without telling us who you are or revealing any information about yourself.

There are times, however, when we may need information from you, such as your name and business address, your telephone number, and when information is needed, we will try to let you know at the time of collection, how we will use the information. Usually, the personal information we collect is used only to respond to your enquiry or allow you to access specific account information. Our policy is not to share personally identifiable information with third parties, unless required by law, or unless explicitly requested by a visitor.

GEM is committed to creating a safe and enjoyable online experience for visitors to our site.

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