Foliomoda, TM Bank, IPincubator, Phil & Co and Authentic Giving are trading names of Concept Innovation Limited, Registered in England at 7 Harley Street, London W1G 9QD. Telephone +44 (0)870 080 1787. Company registration number 4225016, Data Protection Registration number Z531990X, VAT number GB 778 2807 82.

Website Privacy Policy
Concept Innovation Ltd respects the privacy concerns of visitors to any of its websites and as a general policy no personal information is automatically collected from visitors. Certain non-personal information is recorded by the standard operation of our Internet servers primarily to provide an enhanced experience for the visitor. Information tracked includes the browser type, operating system in use, and the domain name of the visitor's Internet service provider.

By having this information, website pages optimized for a particular visitor's computer may be automatically made available to that visitor. Other uses of this information include internal review of the number of visitors to the websites but only in an aggregate and non-personally-identifiable form. E-mail addresses and other personally identifiable data about visitors to this website are known to Concept Innovation Ltd only when voluntarily submitted. Personally identifiable information that may be collected in connection with visitors voluntarily filling out on-line forms or subscribing to newsletters is retained by Concept Innovation Ltd. This information is used to better understand visitors' use of our websites and to support transactions made on the websites. We sometimes also use e-mail addresses and other personally identifiable information to contact visitors who communicate with us. For example, we might direct e-mail to visitors who provide us with their e-mail addresses for specific purposes such as receiving e-mail newsletters. Each e-mail newsletter will always contain instructions on how to discontinue receipt of the newsletter.

Concept Innovation Ltd websites may place a "cookie" in the browser files of a Concept Innovation Ltd website user's computer. The cookie itself does not contain any personally identifying information. The cookie could enable Concept Innovation Ltd to relate a user's use of a Concept Innovation Ltd website to information that the user has specifically and knowingly provided.

Terms Of Use - Please read these Terms Of Use carefully before using this site.

Concept Innovation Limited is Registered in England at 7 Harley Street, London W1G 9QD. Telephone: +44 (0)870 080 1787
Company registration number 4225016, Data Protection Registration number Z531990X, VAT number GB 778 2807 82

By using this site, you signify your agreement with these Terms Of Use. If you do not agree with any of the below Terms Of Use, do not use this site.
Concept Innovation Limited reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms Of Use at any time and you agree to be bound by such modifications, alterations or updates.

TRADEMARKS, COPYRIGHTS AND RESTRICTIONS
This site is controlled and operated by Concept Innovation Limited. All material on this site, including, but not limited to concepts, ideas, innovations, images, illustrations, audio clips, and video clips, is protected by copyrights which are owned and controlled by Concept Innovation Limited, or by other parties that have licensed their material to Concept Innovation Limited. Material from conceptinnovation.co.uk or any web site owned, operated, licensed or controlled by Concept Innovation Limited may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way except where allowed or indicated. Modification of the materials or use of the materials for any other purpose is a violation of the copyrights and other proprietary rights. For purposes of this Terms of Use Agreement, the use of any such material on any other web site or networked computer environment is prohibited.

LINKED SITES
Concept Innovation Limited, whether or not affiliated with sites run by other organisations which may be linked to this site, is not responsible for their content ("Linked Sites"). The Linked Sites are for your convenience only and you access them at your own risk

DISCLAIMER
The materials in Concept Innovation Limited's Web Sites are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, Concept Innovation Limited disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Concept Innovation Limited does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that Concept Innovation Limited's Web Sites or the server that makes them available are free of viruses or other harmful components. Concept Innovation Limited does not warrant or make any representations regarding the use or the results of the use of the materials in Concept Innovation Limited's Web Sites in terms of their correctness, accuracy, reliability, or otherwise. You (and not Concept Innovation Limited) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The material that you read in Concept Innovation Limited's Web Sites is provided solely for research, entertainment and promotional purposes.
The information and opinions expressed in any Bulletin Boards, Chat Rooms, or other forums conducted on or via this site are not necessarily those of Concept Innovation Limited or its affiliated or related entities or content providers and Concept Innovation Limited makes no representations or warranties regarding that information or those opinions. Furthermore, neither Concept Innovation Limited nor its affiliated or related entities or its content providers are responsible or liable to any person or entity whatsoever (including, without limitation, persons who may use or rely on such data/materials or to whom such data/materials may be furnished) for any loss, damage (whether actual, consequential, punitive or otherwise), injury, claim, liability or other cause of any kind or character whatsoever based upon or resulting from any information or opinions provided in Concept Innovation Limited's Web Sites.

SUBMISSIONS
Any notes, message/billboard postings, ideas, suggestions, concepts or other material submitted will become the property of Concept Innovation Limited throughout the universe and Concept Innovation Limited shall be entitled to use the material for any type of use forever including in any media whether now known or hereafter devised. When you submit material to Concept Innovation Limited's Web Sites, you agree that Concept Innovation Limited has the right to publish the material for any type of use as outlined above including promotional and advertising purposes. Concept Innovation Limited is not responsible for any material posted on our Forums. You shall not submit or otherwise publish through such Forums any content which: a) libels, defames, invades privacy, or is obscene, pornographic, abusive, or threatening; b) infringes any intellectual property or other right of any entity or person, including, but not limited to, violating anyone's copyrights or trademarks; c) violates any law; d) advocates illegal activity; e) advertises or otherwise solicits funds or is a solicitation for goods or services; (collectively "Non-Approved Material"). You agree to indemnify Concept Innovation Limited and its officers, directors, employees, agents, distributors and affiliates from and against any and all third party claims, demands, liabilities, costs, or expenses, including reasonable legal fees, resulting from your breach of any of the foregoing agreements, representations, and warranties.

E-MAIL AND POSTINGS RECEIVED
Do not post any threatening or libelous e-mails or material on this site that would be considered a violation of any law. Concept Innovation Limited will fully cooperate with any law enforcement authorities or court order requesting or directing Concept Innovation Limited to disclose the identity of anyone posting any such e-mails or materials.

JURISDICTIONAL ISSUES
Unless otherwise specified, the materials in Concept Innovation Limited web sites are presented solely for the purpose of research, entertainment and promoting programs and other products available in and, or, from the United Kingdom, its territories, possessions, and protectorates. This site is controlled and operated by Concept Innovation Limited from its offices within the United Kingdom. Concept Innovation Limited makes no representation that materials in Concept Innovation Limited's Web Sites are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. This agreement shall be governed by, construed and enforced in accordance with the laws of the England. Any action you, any third party or Concept Innovation Limited bring to enforce this agreement or, in connection with, any matters related to this site shall be brought only in Courts located in Enlgland, and you expressly consent to the jurisdiction of said courts. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.
This is the entire agreement between the parties relating to the matters contained herein and shall not be modified except in writing, signed by Concept Innovation Limited