STEP Jersey Student Conference 2015 (PDF 1.3 MB)

Transcription

EVENT PROGRAMME
ANNUAL STUDENT CONFERENCE 2015
Thursday 9th July 2015
SPEAKERS:
Charlotte Baird (Berenberg)
Nancy Chien and Robert Gardner (Bedells)
Jeremy Duffy (Rooks Rider)
Lucy Jones (Knight Frank)
Naomi Rive (Coutts)
This popular annual event gives people studying for their
STEP professional examinations the opportunity to
expand their knowledge of areas of the trust industry
relevant to their studies. Now in its fifth year, this half-day
conference will cover subjects that students are likely to
come across in practice. We have six speakers who will
look at Disclosure and Confidentiality, Retirement and
Appointment of Trustees, Property and the Associated
Risks of Management, UK Tax Obligations for Jersey
Trustees and the Global Economic Outlook. This event is
free for all STEP Jersey Students, however STEP
Members and non-members are also welcome. A buffet
lunch will be served and the event is accredited for 3.5
hours of CPD.
DETAILS
VENUE: Pomme d’Or Hotel
CONTACT:
T: 01534 876513
F: 01534 878509
E: step@stepjersey.org
PROGRAMME
12.30 Registration & lunch
13.00 Welcome
13.10 Presentations
15.10 Refreshments
15.30 Presentations
16.40 Closing comments
CPD
3.5 hours
COST
STEP STUDENTS:
MEMBERS:
NON-MEMBERS:
STEP JERSEY IS SPONSORED BY:
STEP JERSEY, PO Box 269, St Helier, Jersey, JE4 8TN
T: 01534 876513—F: 01534 878509—E: step@stepjersey.org—W:step.org/jersey
FREE
£60
£150
ANNUAL STUDENT CONFERENCE 2015
PROGRAMME
12.30
Registration and lunch
13.00
Welcome from the Chair of STEP Jersey
Lorraine Wheeler (First Names Group)
13.10
Unintended tax charges: can the court assist to reverse them?
Nancy Chien & Robert Robert Gardner (Bedells)
What can trustees and settlors do when they have made decisions with unforeseen effects or
consequences, including detrimental tax consequences? This session looks at the remedies that are
available to assist settlors and trustees to unwind their decisions so as to eliminate or mitigate the adverse
consequences. We will consider the latest Jersey and English law authorities on the Rule in Hastings-Bass,
mistake and rectification.
13.50
Retirement and Appointment of Trustees
Naomi Rive (Coutts)
The retirement and appointment of trustees sounds like a simple job and the associated tasks are often
delegated to junior members of law firms and trust companies. There are, however, many pitfalls with
preparing deeds of appointment and/or retirement, transferring assets and generally handing over the
administration of a trust. Take care, for example, over chain indemnities and liens. What of disclosing
internal meeting notes or trustee minutes to the incumbent trustee? This presentation will identify some of
the many knotty issues that can be encountered upon retirement and appointment and suggest practical
way of resolving them.
14.30
Property and the Associated Risks of Management
Lucy Jones (Knight Frank)
With the every-changing regulatory framework surrounding the growth of the Private Rented Sector in the
UK, this session will highlight those area’s that a Trustee should be aware of, and walk through some of the
mitigating actions individuals and companies alike can take to reduce their risk exposure.
15.10
Refreshments
15.30
UK Tax Obligations for Jersey Trustees
Jeremy Duffy (Rooks Rider)
In the current economic climate the UK government is faced with the growing challenge of maximising its
tax revenue whilst making cuts in public services to ‘balance the books’. Increasingly, the spotlight is being
raised on the Crown Dependencies and other offshore finance centres. Jeremy will review a non-resident
trustee's liabilities to UK tax in respect of common investment classes such as listed investments and
property. Jeremy will also cover compliance obligations; when is a return necessary as well as the
increased burden with the introduction of ATED and the new CGT rules for non-residents holding UK
residential property.
16.10
Global Economic Outlook: The Recovery is Back
Charlotte Baird (Berenberg)
Berenberg’s Vice President, Private Clients, Charlotte Baird will discuss the latest developments in
European economics and politics. From the positive developments in Ireland, Spain or Portugal via the
challenges populists pose across Europe and elsewhere in the West to the tragedy unfolding yet again in
Greece, the interaction of politics and economics seems to have never been as intense as now.
16.40
Closing comments from the Chair
16.50
Close
SPEAKERS
Charlotte Baird is Vice President, Private Clients, at Berenberg. As a Chartered
Private Wealth Advisor she provides investment advice and financial planning oversight to
high net worth individuals, families and trusts, both overseas and in the UK. She is a
member of the Chartered Institute of Securities and Investment (CISI) following the
completion of the CISI Diploma, where she focused on Investment Compliance and Fund
Management. Along with this, Charlotte holds the Certificate of Financial Planning and the
Investment Management Certificate. Citywealth awarded Charlotte Emerging Manager of
the Year 2012, and in 2013 she was listed in Citywire’s Top 30 Under 30. Charlotte joined
Berenberg in 2011 after having qualified in the Private Clients Services Group at Deloitte.
She graduated from Exeter University with a BA (Hons) in Business and Management with European Study at
the ESB Business School, Reutlingen, one of Germany’s leading international business schools.
Nancy Chien is a senior associate in the International Private Client group at Bedells.
She has extensive experience in a wide range of trust-related structures, ranging from
private client discretionary settlements to pensions and employee benefit trusts. Prior to
joining Bedell, Nancy was a senior associate at Ashurst in London, specialising in pensions
and employee benefit trusts. Her private client experience was obtained at leading Channel
Islands and New Zealand firms. She has been described as a "proactive advisor who
impresses with appropriate advice that comes with high service levels" – Legal 500. Nancy
has been acknowledged as a "Prominent Figure" in the "Leading Lawyers" category in the
2015 Citywealth Leaders List.The Legal 500 2014 directory describe Nancy as "very
proactive" and she was credited as one of the "Top 35 Under 35" by Private Client Practitioner in 2014 and
2013 and recognised in the Citywealth 2013 Jersey Future Leaders List. Nancy is a member of the
International pensions working group in Jersey and a committee member of the Jersey Pensions Association.
Nancy can speak fluent Mandarin and Taiwanese.
Jeremy Duffy qualified as a solicitor in 2006 and is a key member of Rooks Rider
Solicitor’s Wealth Planning team. Rooks Rider is a firm that has specialised in advising
offshore trustees around the globe in respect of UK tax for more than 40 years. Jeremy has
over five years’ experience in private practice advising international clients and trustees on
their UK tax obligations and reporting requirements as well as assisting clients to bring their
tax affairs up to date through various tax disclosure facilities. Beyond his work in respect of
UK tax Jeremy is also the firm’s immigration expert and advises clients considering
relocating to the UK on their options. Jeremy also spent four years in Jersey working with
RBC Wealth Management where he developed an in-depth understanding of the pressures
and issues facing the modern day trustee.
Lucy Jones is a Partner and Head of Investment Lettings and Management at Knight
Frank offering bespoke Lettings, Management and Consultancy services for landlords with
portfolios throughout the UK. Clients include trustees, developers and institutional and
private investors. Lucy is responsible for maximising asset performance and mitigating
operating risk across clients’ property books. Prior to joining Knight Frank, Lucy held various
roles within the LSL Property Services Group most latterly as Operations Director of
Corporate Client Department looking after sizeable property holdings primarily for lender
clients. Lucy is a Fellow of the Lettings Regulatory body ARLA (Association of Letting
Agents) and is one of only around 20 people in the UK to achieve the highest level of
industry qualification, the Diploma in Residential Letting and Management.
SPEAKERS
In April 2014 Naomi Rive joined Coutts & Co Trustees (Jersey) Limited as its Chief Trust
Officer. A lawyer by training, Naomi was called to the English Bar in 1999 and qualified as a
Jersey Advocate in 2003. Before joining Coutts, Naomi was a Partner and Head of the
Jersey Private Client & Trusts team at international offshore law firm, Appleby. At Coutts,
Naomi has oversight of fiduciary policy and works closely with clients and their independent
legal, tax and investment advisers to ensure the establishment and implementation of robust
and sustainable wealth planning structures. Naomi is Deputy Chair of the Jersey branch of
STEP and sits on the Jersey Finance Trusts Law Working Party. She regularly speaks at
trusts conferences, including STEP and the International Bar Association. Naomi was
recognised as one of the Top 50 Most Influential Offshore Professionals in 2014 by Private Client
Practitioner. She was also ranked in the 2014 Citywealth Leaders List.
Rob Gardner joined Bedell Cristin in 2006 from a leading Caribbean firm, where he
was involved in a wide range of commercial litigation, corporate recovery and restructuring
projects in both the Cayman Islands and British Virgin Islands. Rob works closely with the
Jersey Viscount as well as insolvency practitioners in Jersey and elsewhere. He regularly
advises companies, directors, shareholders, creditors and insolvency office holders on all
aspects of insolvency and restructuring work, particularly where there is a cross border
element. Current or recent work includes advice to the directors of Huelin Renouf Shipping
Limited in the period prior to winding up; acting for the liquidators of the Collection Group
retail chain (which involved the first "pre-pack" liquidation sale of business in Jersey); acting
for HSBC in the Jersey side of the letter of request application to the High Court of England (which went to the
English Court of Appeal); acting for IBRC prior to and during the course of a Court winding up of a Jersey
company holding German assets; acting for liquidators in the court winding up of a Jersey corporate group
owning valuable real estate in Jersey; acting for a former director of two Jersey infrastructure funds in which
the director successfully claimed exit payments at trial. Rob has been acknowledged in the "Honours List" in
the "Leading Lawyers" category in the 2015 Citywealth Leaders List and he is recognised as a rising star in
restructuring and insolvency by IFLR1000 2015. The Legal 500 2014 legal directory describe Rob as an
"insolvency expert with wide experience in both Jersey and the Cayman Islands". He is also involved in a
broad range of commercial litigation, particularly disputes involving trusts and is regularly involved in assisting
with applications by trustees and beneficiaries including in relation to rectification, mistake and the rule in Hastings-Bass.
CHAIR
Lorraine Wheeler is Client Services Director at First Names Group. Previously
Lorraine worked as a Director in the Private Client group of Capita. Coming from the UK,
following secondments in Bermuda and Switzerland, Lorraine settled with her family in
Jersey and has extensive experience in the trust industry, dealing with a range of traditional
and complex structures including trusts, companies, limited partnerships and foundations.
Lorraine qualified under the Chartered Institute of Bankers Trustee Diploma and also has a
BSC (Hons) in Financial Services and a STEP certificate in International Taxation. She has
acted as secretary of the Society of Trust and Estate practitioners in Jersey since 2005 and
is now Chair of the branch, building upon her previous involvement with the Bermuda and
Switzerland branches. She is also a Fellow of the Chartered Institute of Bankers and previously served as
Chair of the Bermuda branch.
www.step.org/jersey
SPONSORS
High net worth individuals today face complex financial decisions—from selling a business to planning and
protecting an enduring legacy. Responding effectively to these needs demands far more than a commoditised
solution. It requires a firm with sufficient breadth and calibre of talent and capabilities in managing the
complexity of issues across different jurisdictions—but small enough to provide a highly personalised service.
We believe this is the “raison d'être” of Azure Wealth. Our clients come to us because we listen to their
specific needs and provide a solution—not a product. Our clients’ aim is first to preserve and protect the
wealth generated over a lifetime of hard work and then grow it steadily for future generations. At Azure
Wealth, we work closely with our clients’ trusted advisors across a spectrum of expertise such as tax and
estate planning. Azure Wealth’s diverse team of advisers and investment professionals have led some of the
most respected private banks globally. It is our understanding of the requirements of private investors today
that brought us together to create Azure Wealth. For non-domiciled and international clients, there is great
comfort in knowing that Azure Wealth advisors are intimately familiar with the world beyond their borders. We
have a genuine appreciation for the needs of global wealth because Azure Wealth is itself a blend of many
cultures. A genuine wealth manager will generate original ideas. No two clients approach investing in the
same way. Azure Wealth is an entrepreneurial firm with a reputation for understanding both the needs and
mind-set of clients who have created wealth. Our performance goals are a function of our clients’ risk appetite,
not market indices. Like other managers, we adhere to the principle of diversification but this isn’t enough to
provide absolute returns. Years of experience have taught us that it is often preferable to take profits and lockin performance, not to hope that by retaining enough investments we can spread risk and stem losses.
Performance over time is the measure of a wealth manager. Azure Wealth's performance standards are
exacting, a result of a core belief in discipline gained through vast experience of different assets and market
conditions around the globe. But performance is more than just an investment concept; it applies to all
aspects of service as well.
www.azure-wealth.com
SPONSORS
GoldMoney is a market-leading precious metals trading company, trusted by more than 22,000 private
individuals and their wealth advisers around the world. We’ve forged long-lasting relationships with wealth
advisers and their clients by providing a convenient online platform and dedicated relationship managers to
help you and your clients buy, sell and store physical precious metals. We provide private vault storage in five
different countries (Canada, Hong Kong, Singapore, Switzerland and UK), each managed by leading vault
operators, and our storage rates are among the lowest in the industry at just 0.12 to 0.18% per annum. We
protect the integrity of the precious metals we store by regularly providing independent vault reports and
audits, comprehensive insurance and ultrasonic scanning of gold bars. For large metal transfers, storage fees
can be locked-in for a fixed period so you know exactly how much you’re paying for storage in advance.
Buying precious metals with GoldMoney couldn’t be easier. Simply set-up a Corporate Holding at
www.goldmoney.com and your clients can immediately begin purchasing gold, silver, platinum or palladium at
competitive prices using nine of the world’s major currencies. Alternatively, your clients can set-up a Holding
directly with us.
Key benefits of choosing GoldMoney
Trust - Over 22,000 customers store US$1.5 billion of precious metals with us.
Security - Our vaults each come with comprehensive insurance for your peace of mind.
Service - A dedicated Relationship Manager will help you throughout the buying process.
Flexibility - As well as storage, we can also deliver to you or arrange for collection.
Heritage – established and headquartered in Jersey in 2001.
T: 01534 633933
E: institutional@goldmoney.com
www.goldmoney.com
SPONSORS
RBC Wealth Management has been committed to becoming one of the Channel Islands’ leading
providers of integrated wealth management services, ever since establishing a presence in Jersey in 1962.
Over the years, we have continued to grow organically and through a series of acquisitions, resulting in RBC
becoming one of the largest financial institutions in the Channel Islands, with over 1,000 people employed
across Jersey and Guernsey. As well as having a significant local presence, which enables us to work side by
side with our partners, we also have the advantage of being part of a global wealth management operation
that is one of the world’s five largest1. By partnering with us, you will have access to a vast international
network of wealth management personnel across the major financial centres. The strength and stability of our
parent company, Royal Bank of Canada (RBC), should provide further comfort to clients. Established in 1864,
RBC is Canada’s largest bank, by market capitalisation, and one of North America’s leading financial
institutions2, and employs approximately 78,000 people in offices across North America, Europe, the Middle
East and Asia. By choosing RBC Wealth Management in the Channel Islands as one of your partners, your
clients will not only enjoy access to award-winning wealth management solutions available locally, but the
international expertise and full-service capability of one of the world’s largest wealth managers.
Tel: +44 1534 283838
Email: rbcwminternational@rbc.com
1
Scorpio Partnership’s Global Private Banking KPI Benchmark 2014
2014 Retail Banker International and Global Finance Magazine
2
SPONSORS
Savills is a leading global real estate advisor listed on the London Stock Exchange. The company,
established in 1855, has a rich heritage with unrivalled growth; with over 200 offices worldwide, throughout
the Americas, Europe, Asia Pacific, Africa and the Middle East, employing 19,000 people. Savills has a wide
breadth of core services including consultancy, research, acquisition/disposal, leasing, valuation, buildings
services and project management, property management, asset management, facilities management,
corporate finance advice, insolvency advice, rating, rent review capital allowances, planning. We also offer
specialist fund and investment management, real estate finance, and private financial services. A unique
combination of sector knowledge and entrepreneurial flair clients access to real estate expertise of the highest
calibre. We are regarded as an innovative thinking organisation backed up with excellent negotiating
skills. Savills chooses to focus on a defined set of clients, therefore offering a premium service to
organisations and individuals with whom we share a common goal. Savills is synonymous with a high quality
service offering and a premium brand, takes a long term view to real estate and invests in strategic
relationships.
savills.co.uk
SPONSORS
Salamanca Group integrates traditional Merchant Banking practices and values with sophisticated
Operational Risk expertise, providing a new approach to business. The Group’s track record of enabling
business, protecting assets and growing capital has led to it establishing enduring relationships with a broad
client base including private individuals, corporates, institutions and governments. Recognising the risks
inherent in today’s world, Salamanca Group develops services that help reveal opportunities and manage
risks proactively. It delivers these services through the following divisions: Investment & Advisory, Corporate
Risk Services, Business Intelligence & Investigations and Private Office. Specifically, the Private Office
enables individuals and families to manage their increasingly complex needs and ever-busier lives. We are
set apart from other firms due to our ability to offer access to the wider capabilities of the Group including
corporate advice and direct investment opportunities to business intelligence. As part of the Private Office
offering, the Property Management team manage a full range of property services, ensuring the highest level
of professionalism and attention to detail. Working closely with owners, trustees and agents, they provide a
range of bespoke services including: Acquisitions, Sales, Property Management, and Insurance services. The
Property Management capability spans from the management of commercially let properties in the UK to
specialist bespoke property management plans for high value assets in the UK and internationally, working
closely alongside the Private Office teams in Security, Lifestyle Management and Education Advisory to
provide a unique offering. The Property team have access to the in-house Business Intelligence &
Investigations team, providing timely and reliable pre-transactional due diligence and compliance services.
With offices established in Accra, Athens, Barcelona, Bucharest, Cape Town, Copenhagen, Geneva,
Houston, Limassol, London, Lubumbashi, Madrid, Mauritius, Natal, Rio de Janeiro, St Helier, Tripoli and
Warsaw; as well as a network in Dubai, Karachi and Sana’a, Salamanca Group has an established global
network.
www.salamanca-group.com
SPONSORS
Since our foundation over a century ago, Smith & Williamson has been managing the financial affairs of
private clients and their business interests, offering assistance in tax, investment management and financial
planning. We are one of the top ten largest firms of accountants* in the UK and our investment management
business has over £16 billion of funds under management and advice (as at 31 March 2015). Our business
spans 12 offices in the UK, Ireland and Jersey, with locations in the City of London, Belfast, Bristol,
Birmingham, Dublin, Cheltenham, Glasgow, Guildford, Manchester, Salisbury and Southampton, and an
international capability in over 100 countries through membership of Nexia International and M&A
International. We have a number of investment management teams with experience of working with trustees
in the Bahamas, Bermuda, the Cayman Islands, Jersey, Guernsey, Isle of Man, and Switzerland. Our work
with offshore trustees covers mandates ranging from lower risk all bond, to equity portfolios and fund of fund
arrangements, and we place particular emphasis on building strong relationships with offshore trustees building detailed knowledge of each individual mandate. Offshore mandates are typically more complex and
we have wide-ranging experience in understanding the structures in place and the implications this may have
on our investment strategy. In addition, we provide specialist tax advice from our Jersey office, assisting highnet-worth individuals and businesses with international tax planning and effective financial structuring.
The Jersey tax team is supported by the firm’s broader business which includes the full range of services:
investment management, business advisory service, banking, corporate finance, corporate recovery and
forensic accountancy. We have a large and experienced tax investigations team in the UK, which operates
from several UK offices. The team handles tax enquiries and investigations with UK and international issues,
and is skilled in both civil and criminal investigations.
*according to the 2014 survey of the market by Accountancy magazine
Important information
Please remember the value of investments and the income from them can fall as well as rise and investors
may not receive back the original amount invested. Past performance is not a guide to future performance.
Smith & Williamson LLP Regulated by the Institute of Chartered Accountants in England and Wales
for a range of investment business activities. A member of Nexia International Smith & Williamson Investment
Management LLP Authorised and regulated by the Financial Conduct Authority Smith & Williamson
Financial Services Limited Authorised and regulated by the Financial Conduct Authority.
Ref 15/572
SPONSORS
Stephenson Harwood has been looking after the legal needs of wealthy individuals and their families
for nearly 200 years. We have always understood that our private clients require a wide range of services,
beyond that which is offered by the traditional ‘private client’ firms. This is because our clients are typically
entrepreneurial, international and with complex, frequently international, interests. Stephenson Harwood is a
full service international law firm, with over 120 partners and 700 staff worldwide. We have nine offices across
Asia, Europe and the Middle East: Beijing, Dubai, Hong Kong, London, Paris, Piraeus, Seoul, Shanghai and
Singapore. As a truly international firm, with a wide range of legal capabilities, we are ideally positioned to
service all the needs of high net worth individuals and their businesses across the globe.
To find out more how we can help you and your clients please contact James Quarmby, head of Private
Wealth, on james.quarmby@shlegal.com or his assistant Chris Hards on chris.hards@shlegal.com
www.shlegal.com/expertise/private_wealth
SPONSORS
TMF Group is a leading global provider of high value business services to clients operating and
investing globally. We operate in more than 120 offices in over 80 countries across the Americas, Asia Pacific,
Europe, the Middle East and Africa and employ over 5,000 staff. We focus on providing specialised and
business-critical financial and administrative services that support our clients in the operation of their
corporate structures, finance vehicles and investment funds in different geographical locations. The TMF
office in Jersey, with 70 staff, specialises in administering trusts and companies. Our international client base
is diversified and includes family offices, HNWIs and corporations. As an independent business we are free to
work with banks and advisors without creating conflicts of interest in corporate governance or local regulatory
restrictions. We have the ability to source the best service providers for the structures which we administer.By
working with TMF Group, not only do you have access to our years of experience and our network of 120
offices worldwide but you also benefit from our unrivalled local knowledge.
www.tmf-group.com
SPONSORS
Vistra’s specialist colleagues provide tailored trust, fiduciary, fund and corporate services. We form
strong, trusted connections with our clients, based on a deep understanding of their professional worlds,
drawn from our extensive experience of working in those same worlds – across finance, structuring, law, and
accounting. As part of the Vistra Group, we employ over 1,300 professionals across 35 countries throughout
the Americas, Pan Asia Pacific, Middle East and Europe. Our approach is always personal. We develop
perceptive solutions to the often complex needs of each individual client, from international corporations to
high-net-worth individuals. We always go further for clients, from forming new connections to navigating new
jurisdictions, to maximise what is possible in international business.
Booking form and invoice for:
STEP JERSEY ANNUAL STUDENT CONFERENCE 2015
Thursday 9th July 2015
Organisation:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..
Contact:: . . . . . . . . . . . . . . . . . . . . . . . . . . . Tel: . . . . . . . . . . . Email: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Number of delegates:
.....
.....
STEP Members @ £60
STEP Students FREE
Names of delegates:
................................
Job title
............................
................................
............................
................................
............................
................................
............................
................................
............................
................................ ............................
................................ ............................
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.
Non-members @ £150
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TOTAL: £ . . . . . . . . .
Payment: Please indicate whether you are paying by BACS ...... cheque ...... or card ......
NB: A separate payment must be issued for each event booked
Alternatively, you can now REGISTER & PAY ONLINE at www.step.org/events
Payment by BACS to:
Bank:
RBSI Limited
Account:
STEP Jersey
Sort Code:
16-10-28
A/C number:
13639472
Ref:
Nameoffirm090715(no spaces)
OR: Post your cheque to:
STEP Jersey
PO Box 269, St Helier
Jersey, JE4 8TN
OR: Pay by credit/debit card
Card payments will be processed securely through WorldPay
NB: AMEX not accepted
Name of cardholder: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Billing address: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
............................................................
Card number: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Start date: . . . . . . . . . . . . . . . . . . . . . End date . . . . . . . . . . . . . . .
Verification No: . . . . . . . . . Issue No (debit cards). . . . . . . . . . . . .
Terms and conditions:
Conference documentation will be distributed at the event. STEP Jersey branch reserves the right to amend or cancel this event where the occasion necessitates. In
such circumstances a full refund of any registration fee will be made but STEP Jersey branch shall accept no further liability. Prices may be subject to change. This
booking form constitutes a legally binding contract. The delegate (s) and firm are jointly and severally liable for payment of the fees due. The conference language is
English.
Cancellations / Substitutions:
You are able to send a substitute delegate at any time. If a non-STEP member attends in lieu of a STEP member the difference in fees will be charged. No refunds
(or credits for future events) will be given for cancellations unless the STEP Jersey office is notified at least 24 hours before the event.
Data Protection
STEP Jersey branch and the STEP Worldwide (“STEP”) may use this information to update its databases, which are used for a wide range of purposes relevant to
the activities of the organisation. STEP may also contact you from time to time with details of programmes and events that may be of interest to you. STEP may
also disclose your details to our event sponsors, who may themselves contact you in relation to services which you may find of interest. If you would prefer the
Society not to disclose and/or use your information in the ways set out above, please contact the Society at step@stepjersey.org
Disclaimer
STEP Jersey accepts no responsibility for statements made in oral or written presentations delivered at its conferences. The views expressed by speakers
participating in STEP Jersey conferences are not necessarily the views of STEP Jersey and it does not accept responsibility f or the accuracy of any statements
made.

STEP Jersey Student Conference 2015 (PDF 1.3 MB)

Transcription

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