General Manager | Liverpool - Blank Street Coffee - Liverpool

Are you looking to start a career as a Business Analyst (BA) and need tailored recruitment support and the right qualifications to secure your career? A business analyst is a problem solver who for example investigates an issue or area of weakness within an organisation, analyses solutions and helps facilitate the change that is needed. If you enjoy problem solving and analysing, have good admin skills and communicate well, then a career in this rewarding sector will suit you. Demand for junior business analysts continues to soar as organisations need to evolve and stay competitive in an everchanging world. We specialise in placing candidates in the business analysis, change management and project management sectors that have qualified through our business analysis study and placement program. Please note we will be looking to place you in an entry level role so this programme is not aimed at existing Business Analysts. In addition to a new career, you gain a minimum of 4 new internationally recognised qualifications while being fully supported by a team of tutors, mentors, and your own recruitment consultant. The team works with you until you are qualified and placed. Below are salaries in this sector starting at lower-level positions: • Administrator/Support: £26,000, • Junior Business Analyst: £30,000, • Change Analyst: £35,000, • Systems Analyst: £40,000, • Business Analyst: £50,000 How do we do this? 1. Firstly, we place you on a training program which contains the most relevant industry recognised certification courses needed in the industry like the BCS Business Analysis Foundation Course. You can also opt to study the BCS International Diploma in Business Analysis to take your studies a step further., 2. Once you have passed the 4 required exams you will be handed over to our recruitment team who will provide you with a professional CV and LinkedIn review, interview support, career advice and tailored support like mock interviews., 3. Our consultants work with you to identify the best opportunities available suited to you. Their tailored support helps you to prepare for interviews and perform at your best. Typically, you will start in a junior business analyst, junior analyst or a support/admin role in this sector. Business Analysts work closely with Project Managers and Change Managers and opportunities in these areas also exist which broadens the net in these sister sectors. To accommodate candidates, the training element of this package is available on finance terms to easily spread the cost of investing in your career. This enables you to get qualified without having to fund all the training costs upfront. In addition, we are so confident in our success with placing qualified candidates that we will refund the cost of the courses to anyone we are unable to place within 12 months of passing their required exams subject to our terms. To get your journey started, enquire now and one of our experienced Course and Career Consultants will contact you within 4 working hours to answer any questions that you may have and to assist you in taking the first step toward your new career aspirations. We understand this is an important and life changing decision and will provide you with all the information to make an informed decision. Our team looks forward to your enquiry and helping you start a new and financially rewarding career. Please note this is a training course and fees apply

Strategic Partnership Manager Permanent Location: Home Based with travel as required Closing Date: 1st May Are you a consultative sales professional looking for a new challenge? Do you have experience managing and securing high-value Public Sector tenders and frameworks? Do you have a proven track record of securing strategic new business opportunities? If so, this could be the role for you! Due to continued growth, we’re looking for a new Strategic Partnership Manager to join our Sales team. This role will work across all product areas, with a particular focus on the Public Sector. This specialist will help bridge and grow connections between these segments, establishing Public Sector engagement as an important pillar in our broader Sales strategy! Who we are: We’re not just talking about making a difference, we’re making it happen. We generate dispatchable, renewable power and create stable energy in an uncertain world. Building on our proud heritage, we have ambition to become the global leader in sustainable biomass and carbon removals. You’ll be joining our teams of practical doers, future thinkers and business champions. We’re enabling a zero carbon, lower cost energy future for all, and working hard to decarbonise the planet for generations to come. About the role: As a leading and specialist B2B energy supplier to Industrial & Commercial businesses, our Strategic Partnership Managers play a key role in strengthening the UK market’s perception of Drax, helping major energy buyers understand the significant role we already play in the market, what we offer and encouraging them to choose us for their energy needs. Key accountabilities include: • Take full responsibility for customers’ contract performance and operational delivery, working closely with the Service Relationship Management team for support., • Drive new business and renew existing sales for Import Flex and Fixed supply contracts, aiming to exceed sales goals., • Navigate a complex environment, including regulated markets, lengthy procurement processes, political oversight, and customers with needs beyond pricing., • A strong commercial acumen and a consistent track record of securing strategic new business opportunities, combined with a proven track record of delivering or exceeding sales targets., • Exceptional attention to detail, with expertise in drafting, developing, and overseeing complex tenders., • Expertise in the UK Power and Gas markets, ideally in public sector energy procurement strategies, flexible product offerings, and compliance-driven purchasing practices across sectors including central government, local authorities, public utilities, NHS, and education., • Proven expertise in managing and securing high-value Public Sector tenders and frameworks, with comprehensive knowledge of UK procurement regulations., • Strong influencing, negotiation, communication, and relationship management skills. Rewards and benefits: As you help us to shape the future, we’ve shaped our rewards and benefits to help you thrive and support your lifestyle. If successful in this role, you’ll get: • Company car and commission scheme, • A discretionary bonus depending on company performance, • Private Healthcare, • SAYE (Sharesave): discretionary scheme from time to time, • Personal accident cover, • Group personal pension plan where we’ll pay up to 10%, • Holiday 25 days plus bank holidays Together, we make it happen. At Drax, we’re committed to fostering an environment where everyone feels valued and respected, regardless of their role. To make this a reality, we actively work to better represent the communities we operate in, foster inclusion, and establish fair processes. Through these actions, we build the trust needed for all colleagues at Drax to contribute their perspectives and talents, no matter their background. How to apply: Think this role’s for you? Click the ‘apply now’ button to begin your Drax journey. If you want to find out more about Drax, check out our LinkedIn page to see our latest news. We understand that you may have some additional questions about the role. If you’d like to have a confidential chat to discuss the role in more detail, please email

Role: Fitness Manager (Flex contracts available) Reporting to: General Manager Based: LOCATION The Gym Group is simply the best in our industry! Our amazing teams have skills, abilities and can-do attitudes that make this a great place to work! We have strong, embedded values and an easy-going culture which ensures we put our people first. We pride ourselves on being fun, innovative, inclusive and engaging and we are now on the lookout for a Fitness Manager to join our amazing LOCATION gym. So, what's stopping you? Apply today and know that We're With You every step of the way. What you need to know about us... The Gym Group is not like your average gym! To our members we're the lowest cost nationwide 24/7 Gym with over 230 gyms and counting! To our teams we are fun, welcoming, engaging and inclusive. We challenge our limits and push ourselves to impact positive change with our goals and initiatives. We take steps into new areas with a real and authentic purpose - It's our mission to break down barriers to fitness for all. We're #1 in our industry when it comes to our values, our culture and our people - check out Glassdoor if you don't believe us. We offer a fantastic place to work in a great working culture and were recognised as #25 in the Top 50 places to work in the UK in 2022! We may be one of the leading budget gym chains in the UK but there's nothing budget about our investment into our people. We have retained GOLD in our investors in people award for the last 6 years and silver in wellbeing last year. We're recognised as a disability confident and inclusive employer which is something we are truly proud of. We have a brilliant team and opportunities for development and growth with support for success. Having recently undertaken some huge projects from a digital point of view and our plans are to keep being innovative, creative and agile in all that we do. That's what you're looking for right? So let us tell you more. What you need to know about the role... As a Fitness Manager with The Gym Group you will support the General Manager in the successful running of the gym and will deputise in their absence. You will be passionate about fitness and keen to embrace our members, our teams and embed our culture. You will embody our company values, supporting and encouraging others to do the same. Your core duties will include (but are not limited to): • Responsibility for our member engagement by leading our in-gym service offering with the goal of driving our member satisfaction scores forward., • Line management & leadership of our team of fitness trainers. Engaging and motivating them to be their best every day. Role modelling the gym groups values., • Take ownership of our Group Exercise offering by developing the class timetable and upskilling the team to deliver., • Bring a result driven mindset with a keen interest in driving the commercial performance of the gym., • Make sure high operational standards on site are met through effective management of cleaning and maintenance check procedures. This includes liaising and management of the 3rd party suppliers., • Ensure there is full compliance to company Health & Safety policies and completion of daily, weekly, and monthly checks., • Support the GM with onsite admin tasks including rotas, time tracking and security checks., • Act as a keyholder for the gym in support of the GM, being a point of call-in emergencies., • You can then PT in the gym around your employed hours, managing your own time and business and retain 100% of your earnings with no annual licence fee. You are perfect for this role if you... • Have a passion for health, fitness, well-being, and all-round excellence., • You thrive off leading teams from the front and by example, happy to get stuck in and set the standard for member experience., • Have an unwavering commitment to understand the expectations of your members., • Can work within the compliance parameters whilst delivering the highest service levels possible during the day to day running of the gym., • Have a proven track record of success and are eager to bring that winning attitude to The Gym., • Are a Level 2 qualified Fitness Instructor or are currently studying for the qualification. That's you right? Thought so. Now we know you are probably already hitting that APPLY button but if not... here's the juicy bit...the perks... • Paid contractual benefits such as holiday (Inc Bank Holidays) and company sick pay., • In-house development opportunities as well as support with your career adventure., • Company save as you earn share plan., • Flexibility & freedom - we welcome discussions around working flexibly at the gym., • Discounts with 'MY PT Hub', 'Fit Pro', 'Financial Fitness' and leading training providers., • Company pension scheme, • A fantastic online social communication and engagement platform with access to amazing benefits and discounts, • Options for season ticket loans, • Employee Assistant Programme supported by our Wellbeing hub, • Cashplan Healthcare Scheme, • A free gym membership for yourself and a friend or family member So, we've told you all about us and our amazing new opportunity; now it's your turn to hit 'Apply' and tell us about YOU. If you have a disability or condition that makes it difficult for you to complete your application online please email your cv to or alternatively call the TGG Recruitment team on 0203 319 4838 and someone will be more than happy to support you. We also want to put it out there that we actively encourage applications from a diverse demographic and we are passionate about your culture and value alignment. We get that not everyone wants a 9 - 5 and here at The Gym Group we are pretty flexible. Talk to us about your requirements during the process and explore the many options available. We want this to be a match that challenges your limits and works for you as much as for us. When we say We're With You we really do mean it!

Ideas | People | Trust We’re BDO. An accountancy and business advisory firm, providing the advice and solutions entrepreneurial organisations need to navigate today’s changing world. We work with the companies that are Britain’s economic engine – ambitious, entrepreneurially-spirited and high‑growth businesses that fuel the economy – and directly advise the owners and management teams leading them. We’ll broaden your horizons Our Shared Service Centre team (SSC) provides essential support to a number of teams across our firm. As well as assisting on large-scale operations, beyond the capacity of a core specialist team, they provide the unparalleled expertise we need to keep moving forward. As part of this friendly department, you’ll have the chance to work on exciting projects and develop your skillset. There’s real opportunity, making it a great chance to use industry knowledge and experience to solve problems in your next career step, or it can be a place to learn if you’re just starting out. If you want to work on important projects and explore your potential, we’ll give you the friendly, supportive working environment to go far. We’ll help you succeed Leading organisations trust us because of the quality of our advice. That quality grows from a thorough understanding of their business, and that understanding comes from working closely with them and building long-lasting relationships. You’ll be someone who is both comfortable working proactively and managing your own tasks, as well as confident collaborating with others and communicating regularly with senior managers, directors, and BDO’s partners to help businesses effectively. You’ll be encouraged to identify and draw attention to opportunities for enhancing our delivery and providing additional services to organisations we work with. The purpose of Shared Service Centre Operations Manager role is to provide leadership and management of multi-discipline teams and ownership of delivery of an operational area of the SSC. This will involve strategic thinking, engineering effective and efficient end to end processes, resource planning across a number of teams within the operation and managing a team of Assistant managers. The post holder will be responsible for enabling the delivery of exceptional service, be client centric and quality focussed ensuring we deliver to our operational excellence standards. You’ll be someone with: • Proven experience at Operations Manager or equivalent level, • Exceptional leadership and people management skills, • Strong communication and influencing skills, • Proven project and change management skills - ability to manage complex operational projects, • Commercially focused with experience of managing against a P&L, • Ability to think both strategically and operationally, • Highly skilled in the development and leadership of teams with the ability to challenge and coach individuals, • Adept at working independently, pre-empting and resolving issues, • Highly diplomatic and discrete with the ability to handle highly sensitive matters, • Proactive at all times and able to work on own initiative without supervision, • Highly organised and driven while being aware of the wider context, as well as maintaining control over detail, • Strong ability to prioritise and focus on getting the job done while continuing to evaluate additional requests You’ll be able to be yourself; we’ll recognise and value you for who you are and celebrate and reward your contributions to our business. We’re committed to agile working, and we offer everyone the opportunity to work in ways that suit them, their teams, and the task at hand. At BDO, we’ll help you achieve your personal goals and career ambitions, and we have programmes, resources, and frameworks that provide clarity and structure around career development. We’re in it together Mutual support and respect is one of BDO’s core values and we’re proud of our distinctive, people-centred culture. From informal success conversations to formal mentoring and coaching, we’ll support you at every stage in your career, whatever your personal and professional needs. Our agile working framework helps us stay connected, bringing teams together where and when it counts so they can share ideas and help one another. At BDO, you’ll always have access to the people and resources you need to do your best work. We know that collaboration is the key to creating value and satisfying experiences at work, so we’ve invested in state-of-the-art collaboration spaces in our offices. BDO’s people represent a wealth of knowledge and expertise, and we’ll encourage you to build your network, work alongside others, and share your skills and experiences. With a range of multidisciplinary events and dedicated resources, you’ll never stop learning at BDO. We’re looking forward to the future At BDO, we help entrepreneurial businesses to succeed, fuelling the UK economy. Our success is powered by our people, which is why we’re always finding new ways to invest in you. Across the UK thousands of unique minds continue to come together to help companies we work with to achieve their ambitions. We’ve got a clear purpose, and we’re confident in our future, because we’re adapting and evolving to build on our strengths, ensuring we continue to find the right combination of global reach, integrity and expertise. We shape the future together with openness and clarity, because we believe in empowering people to think creatively about how we can do things better. #LI-RZ1 #TJ-RZ1

Ideas | People | Trust We’re BDO. An accountancy and business advisory firm, providing the advice and solutions entrepreneurial organisations need to navigate today’s changing world. We work with the companies that are Britain’s economic engine – ambitious, entrepreneurially-spirited and high‑growth businesses that fuel the economy - and directly advise the owners and management teams that lead them. We’ll broaden your horizons Working, achieving, and thriving together, our Tax team move with every challenge. Friendly, driven and diverse, they service our clients across the country and around the world. By providing expertise in many different specialist areas of tax, they collaborate across BDO to deliver wider business solutions. From meeting clients’ evolving business needs to managing changes to legislation, there are always fresh challenges to face in the Tax team. If you’re after a career that will keep you on your toes, we’ll give you the autonomy to drive your career forward. Global Employer Services help companies and individuals moving countries and assist with any tax implications that occur in the move. Working with a broad client base, from start-ups to multinationals who are often moving abroad for the first time, the team work with companies as a whole and with individual employees to help them with some of the biggest decisions of their lives. That means you’ll need strong people skills so you can build relationships defined by trust. You’ll be part of growing tight-knit team with an emphasis on assigning work that broadens your capabilities. Combined with the direct access you’ll have to partners on a day-to-day basis, this is your chance to become an expert and build a career based on what you’re good at and what you find interesting. We’ll help you succeed Leading organisations trust us because of the quality of our advice. That quality grows from a thorough understanding of their business, and that understanding comes from working closely with them and building long-lasting relationships. You’ll be someone who is both comfortable working pro-actively and managing your own tasks, as well as confident collaborating with others and communicating regularly with senior managers, directors, and BDO’s partners to help businesses effectively. You’ll be encouraged to identify and draw attention to opportunities for enhancing our delivery and providing additional services to organisations we work with. You will be a key member of the Global Employer Services group, this role will provide reward and share schemes services for a wide range of clients. You will be responsible for assisting Directors & Partners in providing Tax compliance and advisory services to a wide range of clients. The primary responsibility will be to deal with all matters relating to the management of a portfolio of existing clients and assist with the development of targets in order to ensure the continued growth of the business. You will also provide assistance to senior members of staff in both client work and in the management of the group, as appropriate. We’re looking for someone with: * Ability to advise on the tax treatment of share options and other forms of employee share ownership * An in depth knowledge of EMI, ESS and knowledge of reward tax and related areas such as employment, NIC and capital gains tax etc * Expertise on split interest, freezer and nil paid arrangements * Experience in the preparation of share valuations and liaison with HMRC * Staff management and mentoring experience * Awareness of accounting, employment law and company law implications of share incentives * Experience of dealing direct with clients including agreement of fees * Educated to degree level (LLB preferred), and/or CTA and/or ATT/ACA qualified or equivalent You’ll be able to be yourself; we’ll recognise and value you for who you are and celebrate and reward your contributions to the business. We’re committed to agile working, and we offer every colleague the opportunity to work in ways that suit you, your teams, and the task at hand. At BDO, we’ll help you achieve your personal goals and career ambitions, and we have programmes, resources, and frameworks that provide clarity and structure around career development. We’re in it together Mutual support and respect is one of BDO’s core values and we’re proud of our distinctive, people-centred culture. From informal success conversations to formal mentoring and coaching, we’ll support you at every stage in your career, whatever your personal and professional needs. Our agile working framework helps us stay connected, bringing teams together where and when it counts so they can share ideas and help one another. At BDO, you’ll always have access to the people and resources you need to do your best work. We know that collaboration is the key to creating value for the companies we work with and satisfying experiences for our colleagues, so we’ve invested in state-of-the-art collaboration spaces in our offices. BDO’s people represent a wealth of knowledge and expertise, and we’ll encourage you to build your network, work alongside others, and share your skills and experiences. With a range of multidisciplinary events and dedicated resources, you’ll never stop learning at BDO. We’re looking forward to the future At BDO, we help entrepreneurial businesses to succeed, fuelling the UK economy. Our success is powered by our people, which is why we’re always finding new ways to invest in you. Across the UK thousands of unique minds continue to come together to help companies we work with to achieve their ambitions We’ve got a clear purpose, and we’re confident in our future, because we’re adapting and evolving to build on our strengths, ensuring we continue to find the right combination of global reach, integrity and expertise. We shape the future together with openness and clarity, because we believe in empowering people to think creatively about how we can do things better.

Ideas | People | Trust We’re BDO. An accountancy and business advisory firm, providing the advice and solutions entrepreneurial organisations need to navigate today’s changing world. We work with the companies that are Britain’s economic engine – ambitious, entrepreneurially-spirited and high‑growth businesses that fuel the economy - and directly advise the owners and management teams that lead them. We’ll broaden your horizons Working, achieving, and thriving together, our Tax team move with every challenge. Friendly, driven and diverse, they service our clients across the country and around the world. By providing expertise in many different specialist areas of tax, they collaborate across BDO to deliver wider business solutions. From meeting clients’ evolving business needs to managing changes to legislation, there are always fresh challenges to face in the Tax team. If you’re after a career that will keep you on your toes, we’ll give you the autonomy to drive your career forward. Global Employer Services help companies and individuals moving countries and assist with any tax implications that occur in the move. Working with a broad client base, from start-ups to multinationals who are often moving abroad for the first time, the team work with companies as a whole and with individual employees to help them with some of the biggest decisions of their lives. That means you’ll need strong people skills so you can build relationships defined by trust. You’ll be part of growing tight-knit team with an emphasis on assigning work that broadens your capabilities. Combined with the direct access you’ll have to partners on a day-to-day basis, this is your chance to become an expert and build a career based on what you’re good at and what you find interesting. We’ll help you succeed Leading organisations trust us because of the quality of our advice. That quality grows from a thorough understanding of their business, and that understanding comes from working closely with them and building long-lasting relationships. You’ll be someone who is both comfortable working pro-actively and managing your own tasks, as well as confident collaborating with others and communicating regularly with senior managers, directors, and BDO’s partners to help businesses effectively. You’ll be encouraged to identify and draw attention to opportunities for enhancing our delivery and providing additional services to organisations we work with. You will be a key member of the Global Employer Services group, this role will provide reward and share schemes services for a wide range of clients. You will be responsible for assisting Directors & Partners in providing Tax compliance and advisory services to a wide range of clients. The primary responsibility will be to deal with all matters relating to the management of a portfolio of existing clients and assist with the development of targets in order to ensure the continued growth of the business. You will also provide assistance to senior members of staff in both client work and in the management of the group, as appropriate. We’re looking for someone with: * Ability to advise on the tax treatment of share options and other forms of employee share ownership * An in depth knowledge of EMI, ESS and knowledge of reward tax and related areas such as employment, NIC and capital gains tax etc * Expertise on split interest, freezer and nil paid arrangements * Experience in the preparation of share valuations and liaison with HMRC * Staff management and mentoring experience * Awareness of accounting, employment law and company law implications of share incentives * Experience of dealing direct with clients including agreement of fees * Educated to degree level (LLB preferred), and/or CTA and/or ATT/ACA qualified or equivalent You’ll be able to be yourself; we’ll recognise and value you for who you are and celebrate and reward your contributions to the business. We’re committed to agile working, and we offer every colleague the opportunity to work in ways that suit you, your teams, and the task at hand. At BDO, we’ll help you achieve your personal goals and career ambitions, and we have programmes, resources, and frameworks that provide clarity and structure around career development. We’re in it together Mutual support and respect is one of BDO’s core values and we’re proud of our distinctive, people-centred culture. From informal success conversations to formal mentoring and coaching, we’ll support you at every stage in your career, whatever your personal and professional needs. Our agile working framework helps us stay connected, bringing teams together where and when it counts so they can share ideas and help one another. At BDO, you’ll always have access to the people and resources you need to do your best work. We know that collaboration is the key to creating value for the companies we work with and satisfying experiences for our colleagues, so we’ve invested in state-of-the-art collaboration spaces in our offices. BDO’s people represent a wealth of knowledge and expertise, and we’ll encourage you to build your network, work alongside others, and share your skills and experiences. With a range of multidisciplinary events and dedicated resources, you’ll never stop learning at BDO. We’re looking forward to the future At BDO, we help entrepreneurial businesses to succeed, fuelling the UK economy. Our success is powered by our people, which is why we’re always finding new ways to invest in you. Across the UK thousands of unique minds continue to come together to help companies we work with to achieve their ambitions We’ve got a clear purpose, and we’re confident in our future, because we’re adapting and evolving to build on our strengths, ensuring we continue to find the right combination of global reach, integrity and expertise. We shape the future together with openness and clarity, because we believe in empowering people to think creatively about how we can do things better.

\n\n Your new company \nYou'll be joining a large, complex organisation with a global reputation for excellence and innovation. This is an environment that values collaboration, continuous improvement and strategic thinking. The organisation operates across multiple sectors and delivers services that have a significant impact both nationally and internationally. As part of a high-performing finance team, you'll play a key role in shaping tax strategy and compliance, working alongside senior leaders to support ambitious goals and ensure robust governance. This is an opportunity to contribute to an organisation that combines scale, complexity and purpose, offering a challenging and rewarding career path. \n \n \nYour new role \nAs VAT Manager, you will lead the VAT compliance and advisory function for the company and its subsidiaries. Reporting to the Head of Tax, you'll take ownership of VAT strategy, compliance and risk management, while providing expert advice on complex tax matters. \n \nKey responsibilities include: \n\n\n\t • Managing VAT and other taxes, including PESM and CGS adjustments\n\t, • Advising on VAT implications for research funding, capital projects and international collaborations\n\t, • Developing tax-efficient practices and maintaining strong relationships with HMRC\n\t, • Leading a small team, delivering training and engaging stakeholders across the organisation\n\t, • Identifying opportunities for VAT savings and process improvements\n\n\n \n \nThis is a senior role where you'll act independently, influence decision-making and contribute to strategic financial planning. \n \n \nWhat you'll need to succeed \nTo succeed in this VAT Manager role you will need: \n\n\n\t • Extensive experience in tax advisory and compliance, ideally within a complex or public sector environment\n\t, • In-depth knowledge of UK tax legislation, particularly VAT\n\t, • A recognised tax or accountancy qualification (CTA or Equivalent)\n\t, • Strong leadership skills with the ability to manage and develop a team\n\t, • Excellent analytical, communication and stakeholder engagement skills\n\t, • Ability to work under pressure, prioritise competing demands and deliver to tight deadlines\n\n\n \nDesirable: \n\n\n\t • Experience with Unit4 ERP systems\n\t, • Knowledge of tax in the public or not-for-profit sector\n\t, • Understanding of overseas tax issues\n\n\n \n \nWhat you'll get in return \nYou'll benefit from a hybrid working model (2 days in the office a week). You'll also receive a competitive salary. You'll be part of a collaborative culture that values innovation, inclusion, and personal growth. \n\n What you need to do now \nIf you're interested in this VAT Manager job, click 'apply now' to submit your CV, \n\n Hays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at hays