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The following disclaimer covers all information available on the Legal section of the RYA site and all information given by RYA Legal staff by telephone or by electronic means: The RYA takes all reasonable care to ensure that the information contained on this website is accurate. However, no warranty or representation is given that the information and materials contained on it are complete or free from errors or inaccuracies. To the extent permitted by applicable laws, the RYA accepts no liability for any loss or damages or expenses of any kind including without limitation compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property, or claims by third parties howsoever arising in connection with your use of this website, the copying or use of any information or material contained in or referred to in this website. This exclusion of liability shall not apply to damages arising from death or personal injury caused by the negligence of the RYA or any of its employees or agents.