Terms & Conditions
Terms governing bookings made via Stonegate Websites or phone and then confirmed by way of Confirmation Email for the provision of goods and services
1. DEFINED TERMS
1.1 Arrival Date. Means the date you will arrive at The Old Bank and agreed to in your Booking and upon receipt of your Confirmation Email.
1.2 Balance. Means the total cost of the products selected via your Menu Selections less any deposit if already paid.
1.3 Booking. Means making a reservation for the provision of products at The Old Bank via our website or by phone and subsequently confirmed by receipt of a Confirmation Email.
1.4 Confirmation Email. Means the email we send to you to confirm our acceptance of your Booking and which contains a Confirmation Number.
1.5 Confirmation Number. Means the numeric code contained in your Confirmation Email and which is proof of our acceptance of your Booking.
1.6 Days. Any reference to days, except where expressly stated, shall exclude weekends and bank holidays.
1.7 Event Beyond Our Reasonable Control. Means as stated in clause 7.1
1.8 Group Booking. Means a Booking that requires our products to be provided to 6 or more people.
1.9 Menu Selections. Means the products from the menu of products available at The Old Bank you have selected for every person in the party to your Booking following receipt of the Menu Selections Email and within 7 days.
1.10 Menu Selections Email. Means the email you will receive 28 days before your Arrival Date which will ask you to select products from the menu of products available at The Old Bank for every person party to your Booking.
1.11 No Show. Means as defined in clause 6.9.
1.12 Short Notice Bookings. Means any Booking made where the Arrival Date is within 14days of the date of the submission of the Booking.
1.13 Site. Means The Old Bank - at which your Booking has been made.
1.14 Sites. Means the premises we operate as listed on our website at the following link https://www.stonegategroup.co.uk/find-your-local/.
1.15 Terms. Any reference to terms or conditions or contract shall mean the terms and conditions of this contract.
2. THESE TERMS
2.1 What these Terms cover. These are the terms and conditions on which you make Bookings with us via our website or via phone and which are then confirmed by way of receipt of a Confirmation Email and how we supply our products to you, whether these are goods or services.
2.2 Why you should read them. Please read these Terms carefully before you agree to complete your booking with us and before you submit any order for products to us. These Terms tell you who we are, how the Booking process works, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information.
3. INFORMATION ABOUT US AND HOW TO CONTACT US
3.1 Who we are and contact. We are Stonegate Group and our registered UK office is 3 Monkspath Hall Road, Solihull, West Midlands B90 4SJ. You can contact our customer service team by using the contact form on our website at http://www.stonegatepubs.com/contact.
3.2 How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the email address you provided to us when you submitted your Booking and to which we sent your Confirmation Email.
3.3 "Writing" includes emails. When we use the words "writing" or "written" in these Terms, this includes emails and excludes fax.
3.4 Clause, schedule and paragraph headings shall not affect the interpretation of this agreement.
3.5 Unless the context otherwise requires, words in the singular shall include the plural and in the plural shall include the singular.
4. OUR CONTRACT WITH YOU: BOOKING, ACCEPTANCE AND CONFIRMATION
4.1 How you will accept these Terms and Conditions. By successfully submitting your Booking, for the provision of products at any one of our Sites you agree to accept these Terms and conditions.
4.2 How we will accept and confirm your Booking. Our acceptance of your Booking will take place when you receive a Confirmation Email from us which contains a Confirmation Number, at which point a contract will come into existence between you and us. Your Booking and the provision of our products is subject to these Terms. No Booking is accepted or confirmed until you have received from us a Confirmation Email that contains a Confirmation Number. Your Confirmation Number is proof of our acceptance of your Booking. It is your responsibility to ensure the details submitted via our website or via phone when making your Booking are correct. If details you provide are incorrect or if you do not provide the required details we may cancel your Booking and terminate the contract in accordance with clauses 6.7 (c) and 6.8 (b).
4.3 Age restrictions. Your Booking will only be accepted if the person making the Booking is the age of 18 or over and can prove that via the presentation of a valid Passport or Drivers Licence upon the Arrival Date. If any party to your Booking is under the age of 18 you must contact the Site to which your Booking refers directly to inform them that persons included in your Booking are under the age of 18. Some of our sites do not allow guests under the age of 18 during any trading hours, while some sites have restricted timings in place for when guests under the age of 18 are allowed on the premises. Please ask the site for guidance on timings. If the person who made the Booking, or any persons party to the Booking, cannot prove they are the age of 18 or over upon arrival at the Site, or if the Site has not been contacted and informed prior to the Arrival Date that persons in the party to a Booking are under the age of 18, we reserve the right to cancel your booking in accordance with clause 6.7 (d) and 6.8 (c).
5. DEPOSIT AND BALANCE FOR PRODUCTS
5.1 Card details. All Bookings made via our website or otherwise require the provision of valid credit or debit card details (in accordance with clause 9.3).
5.2 Deposit. Upon submission of your Booking a deposit will be charged to and taken from the credit or debit card details provided with your Booking. The value of the Deposit will vary depending upon the Site at which your Booking is located. Subject to clauses 6.7 (b) and (f), deposits will be refunded solely at the discretion of the manager of the Site at which your Booking is located.
5.3 Menu Selections
(a) Twenty eight days before your Arrival Date we will send you a Menu Selections Email asking you to make your Menu Selections.
(b) You must submit your Menu Selections to us by way of email or via our website within 14 days of the date of your Menu Selections Email.
(c) If you fail to provide us with your Menu Selections, within 14 days of the date of your Menu Selections email (as required by clause 5.3 (b) above we reserve the right to cancel your Booking and terminate the contract with immediate effect. Refund of your deposit will be solely at the discretion of the manager of the Site at which your Booking is located.
5.4 Short notice Bookings. You must:
(a) make Menu Selections at the time of the submission of the Booking; and
(b) pay any deposit, at the time of the submission of the Booking.
Our acceptance of Short Notice Bookings is conditional upon the satisfaction of clauses 5.4 (a) and (b) above.
6. CHANGES, CANCELLATION, NO SHOWS AND REFUNDS
6.1 Your rights to make changes. You may make changes to your Booking or Menu Selection up to 14 days before your Arrival Date. If you wish to make a change to your Booking or Menu Selection please do so by visiting the website of the Site at which your Booking is located or by contacting the Site at which your Booking is located directly. We will let you know if the change is possible. All changes to your Booking or Menu Selection are subject to availability at the time the change is requested. If it is possible we will let you know about any changes to the price of the products, their timing or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change.
6.2 Our right to make changes. We may make changes to your Booking or Menu Selections. This includes, for example:
(a) to reflect changes in relevant laws and regulatory requirements;
(b) to implement minor technical adjustments and improvements, for example to address a security threat;
We may also make more significant changes to your Booking or Menu Selections. If we do so we will notify you as soon as reasonably possible, and if it is 14 or more days from your Arrival Date you may contact us (in accordance with clause 6.10) to cancel the Booking and terminate the contract with immediate effect. Refund of your deposit will be solely at the discretion of the manager at the site at which your Booking is located. We will refund you for any Balance paid for products not received.
6.3 Unavailability or withdrawal of products. We may stop providing certain products, or certain products may become unavailable for delivery on your Arrival Date. If this happens and if your Menu Selections are affected as a result we will use reasonable efforts to contact you at least 14 days in advance, where possible, and offer you what is, in our opinion, a suitable alternative where possible. If no suitable alternative can be offered, in our reasonable opinion, we may at our discretion refund the entirety of any Balance paid for products not received together with any deposit already paid (in accordance with clause 5.2).
6.4 No change to Site. You must attend your Booking at the Site which you selected. We will not allow you to transfer your Booking to any of our other Sites. Failure to attend the Site which you selected on the Arrival Date will be recorded as a No Show and subject to clause 6.9.
6.5 Cancellation by you. You may cancel your Booking, and terminate the contract with immediate effect, up to 14 days from the Arrival Date by providing us with written notice in accordance with clause 6.10. Deposits will be refunded solely at the discretion of the manager of the Site at which your Booking is located.
6.6 Group Bookings. You may cancel a Group Booking, and terminate the contract with immediate effect, up to 21 days prior to the Arrival Date by providing us with written notice in accordance with clause 6.10. Any deposit paid will be refunded solely at the discretion of the manager of the Site at which your Booking is located.
6.7 Cancellation by us. We may cancel your Booking, and terminate the contract:
(a) with immediate effect and without notice to you if you fail to pay us when required to do so in accordance with these Terms;
(b) with immediate effect, or by reasonable written notice where possible, if an Event Beyond Our Reasonable Control (in accordance with clause 7.1) means that we are not able to provide our products to you and fulfil your Booking. In the event of such a cancellation all charges that have been made to the credit or debit card details you provided us including deposit and any Balance paid will be refunded;
(c) with immediate effect if you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide our goods and services to you, for example the number of people party to your Booking;
(d) if the person who made the Booking or any party to the Booking cannot prove they are over the age of 18 upon arrival at the Site, or if the Site has not been contacted and informed prior to the Arrival Date that persons party to a Booking are under the age of 18;
(e) with immediate effect if you fail to provide us with your Menu Selections within 14 days of the date of your Menu Selections email as required by clause 5.3 (b);
(f) by 14 days’ written notice to you if in our reasonable opinion we cannot fulfil your Booking or provide products in accordance with your Menu Selection requirements after having sent you a Confirmation Email. In the event of such a cancellation all charges, including deposit, that have been made to the credit or debit card details you provided to us will be refunded to you.
6.8 Loss of deposit. Any Deposit may become non-refundable or any Deposit that remains unpaid may be charged to the credit card or debit card details provided with your Booking in the following circumstances:
(a) if you fail to pay us when required to do so in accordance with these Terms;
(b) if you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide our goods and services to you, for example the number of people party to your Booking;
(c) if the person who made the Booking or any party to the Booking cannot prove they are over the age of 18 upon arrival at the Site, or if the Site has not been contacted and informed prior to the Arrival Date that persons party to a Booking are under the age of 18;
(d) if you fail to provide us with your Menu Selections, or if you fail to pay the Balance, within 14 days of the date of your Menu Selections email as required by clause 5.3 (b);
(e) if you cancel a Group Booking within 21 days or less of the Arrival Date;
(f) if you cancel a Booking within 14 days or less of the Arrival Date;
(g) if you or any party to your booking fails to attend the Booking at the Site you selected on the Arrival Date and you are recorded as a No Show in accordance with clause 6.9.
(h) if your Booking is cancelled in accordance with clause 6.7 (a), (c),(d) or (e) within 14 days of your Arrival Date.
Whether or not deposits will be refunded is solely at the discretion of the manager of the Site at which your Booking is located.
6.9 No Shows. If you or any party to your booking fails to attend the Booking at the Site you selected on the Arrival Date, we will record that failure to attend as a No Show, and the contract will terminate with immediate effect.
6.10 How to tell us you want to cancel and end the contract. If you wish to cancel you Booking and terminate these Terms in accordance with your rights under clause 6.5 please let us know by doing one of the following:
(a) Phone or email. Call the Site your Booking is located at directly and inform a Manager at that Site. Please provide your name, email address, phone numberand details of the Booking.
You must adhere to the provisions of clause 6.5 and this clause 6.10 when cancelling a Booking.
6.11 How we will refund you. We will refund you any amount that might become due in accordance with these Terms by the method you used for payment.
6.12 When your refund will be made. We will make any refunds due to you as soon as possible. And, if you are exercising your right to cancel in accordance with clause 6.5, where possible within 14 days from the day on which we receive notice of your cancellation.
6.13 We may cancel your booking and terminate the contract at any time if we reasonably believe that the lead person or any member of your party is barred from any of our premises. If we do terminate your booking for this reason we will refund your deposit.
7.1 Events beyond our reasonable control. We will not be in breach of these Terms nor liable for delay in performing, or failure to perform, any of the obligations under these Terms if such delay or failure result from events, circumstances or causes beyond our reasonable control. Such events include, but are not limited to:
(a) acts of God, flood, drought, earthquake or other natural disaster;
(b) epidemic or pandemic;
(c) terrorist attack, civil war, civil commotion or riots, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, or breaking off of diplomatic relations;
(d) nuclear, chemical or biological contamination or sonic boom;
(e) any law or any action taken by a government or public authority, including without limitation imposing an export or import restriction, quota or prohibition, or failing to grant a necessary licence or consent;
(f) collapse of buildings, fire, explosion or accident;
(g) any labour or trade dispute, strikes, industrial action or lockouts;
(h) non-performance by suppliers or subcontractors; and
(i) interruption or failure of utility service.
If our supply of products is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay.
8. PROBLEMS, COMPLAINTS AND DISPUTES
8.1 How to tell us about problems. If you have any questions or complaints about your Booking or the products being provided please contact us by visiting our website and following the ‘Contact Us’ link https://www.stonegategroup.co.uk/contact-us/.
8.2 Responding to problems. We will endeavour to respond to any question or complaint submitted as quickly as we possibly can and within 5 working days where possible. If you make a complaint to us in relation to your Booking and that complaint remains unresolved after 48 working days you may refer the complaint to the European Commission’s online dispute resolution portal. We will not be liable for any costs you incur pursuing a complaint against us.
8.3 Your statutory rights. Nothing in these Terms will affect your legal rights. For more information on your statutory rights see https://www.gov.uk/consumer-protection-rights or call 03454 04 05 06 or contact your local Citizens' Advice Bureau or Trading Standards office.
9. PRICE AND PAYMENT
9.1 Where to find the price for the products. The price of the products will be the price indicated on the Booking page when you placed your order and will be confirmed and provided to you when we send you a Menu Selection Email in accordance with clause 5.3). We use our best efforts to ensure that the price of the products advised to you is correct. However please see clause 9.2 for what happens if we discover an error in the price of the product you order.
9.2 What happens if we got the price wrong? It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. Where the product's correct price at the date of your Booking or Menu Selection is less than our stated price at your order date, we will charge the lower amount. If the product's correct price at the date of your Booking or Menu Selection is higher than the price stated to you, we will contact you for your instructions before we proceed with the provision of products in accordance with your Booking or Menu Selection. If we accept and proceed with the provision of products in accordance with your Booking or Menu Selection where a pricing error is obvious and unmistakeable and could reasonably have been recognised by you as a mispricing, we reserve our right to recover the correct price from you if higher than the price erroneously stated and may refund you the difference in price if lower than the price erroneously stated.
9.3 When you must pay and how you must pay. We only accept payment via MasterCard Visa credit and debit cards and cash. You must pay in accordance with clause 5.
10. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU
10.1 Foreseeable loss only. If we fail to comply with these Terms, we are only responsible for loss or damage you suffer that is a foreseeable result of breaching these Terms or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process. We are not responsible for loss or damage not caused as a result of a breach of these Terms.
10.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the products.
10.3 We are not liable for business losses. We only supply the products for domestic and private use. If you use the products for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
11. PERSONAL INFORMATION
11.1 How we will use your personal information. We will use the personal information you provide to us:
(a) to supply our products to you;
(b) to process your Booking and Menu Selection and payment for our products;
(c) if you agreed to this during the order process, to give you information about similar products that we provide, but you may stop receiving this at any time by contacting us.
11.2 We will only give your personal information to third parties where the law either requires or allows us to do so.
12. OTHER IMPORTANT TERMS
12.1 We may transfer this agreement to someone else. We may transfer our rights and obligations under these Terms to another organisation. Where that becomes necessary we will use reasonable efforts to tell you in writing and ensure that the transfer will not affect your rights under these Terms.
12.2 You need our consent to transfer your rights to someone else. You may only transfer your Booking and rights or your obligations under these Terms to another person if we agree to this in writing.
12.3 Nobody else has any rights under the contract (except someone you pass your rights on to). The contract is between you and us. No other person shall have any rights to enforce any of its Terms, except as explained in clause 12.2.
12.4 If a court finds part of the contract illegal, the rest will continue in force. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
12.5 Even if we delay in enforcing the contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these Terms, or if we delay in taking steps against you in respect of you breaching these Terms, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
12.6 Which laws apply to the contract and where you may bring legal proceedings. These Terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts, subject to our right to bring legal proceedings against you for breach of these Terms in your country of residence if any other country.
12.7 Alternative dispute resolution. Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you may want to contact an alternative dispute resolution provider we use. In addition, please note that disputes may be submitted for online resolution to the European Commission Online Dispute Resolution platform, see clause 8.2.
13. Covid-19 SAFE DISTANCING
13.1 Please do not visit us, if you are suffering, or have suffered in the past 14 days, from the symptoms of COVID-19.
13.2 Please use our easily accessible hand sanitiser stations through-out your visit.
13.3 Please wash your hands regularly with soap and water for 20 seconds.
13.4 Please respect other peoples personal space.
13.5 Children should always be supervised and remain with your group
13.6 We will aim to offer extra assistance where we can. If you have special requirements, please speak to a member of our team and they will aim to assist you.
Additionally, in Scotland and Wales:
13.7 Please follow the safe distancing signage on arrival and through-out your visit.
13.8 Please ensure a face mask is worn if not seated at a table. Please keep your face mask with you through-out and should you wish to dispose of it please use the bins indicated.
13.9 Please avoid hugging and close contact with others and please sit with the group you arrived with.
13.10 Please do not move the furniture. We have moved our furniture to ensure we can manage our capacity.
13.11 Payments should be made by contactless (up to £45), via our App, or if paying by cash please follow instructions from our team members.
13.12 On arrival at our venue you will be requested to provide your contact details for NHS Test & Trace.
13.13 Allowed group sizes vary. We are adhering to all national and localised guidelines. Please click on the links below to view the localised restrictions and tier information for your area.
13.14 Some of our Scottish sites will require Covid vaccination certificates to gain entry. Please check out the latest Government guidance for clarity in your area. Also please check your chosen venue's website to find out more information:
13.15 Some of our sites in Wales will require an NHS Covid pass in order to enter at certain points throughout the day. If you require more information, please call us on 01476 574920 or email us at [email protected] or visit the Welsh Government's NHS Covid Pass page by clicking here.
13.16 Some of our sites in England will require an NHS Covid Pass or a negative lateral flow in order to enter. If you require more information, please speak to the pub or bar you wish to visit directly or visit the English Government's NHS Covid Pass page by clicking here.
14. We Love Quiz
14.1 The winner of the site quiz will be announced on the night of the quiz in the pub or bar that you have taken part in.
14.2 The winner of the national prize will be announced 7 days after the quiz in the pub or bar that is hosting the quiz.
14.3 The £20 bar tab prize must be claimed and spent within 14 days of the prize being won. For clarity, a bar tab prize won on 01/08/2020 would need to be spent by Midnight on 15/08/2020.
14.4 The £20 bar tab must be spent in one sitting and cannot be used across multiple dates.
14.5 If the £20 bar tab is not entirely spent within one sitting, the winner forfeits the amount remaining. No cash difference will be given to the winner.
14.6 The £20 bar prize is not exchangeable for cash.
14.7 We Love Quiz is operated by Blackbox Media Ltd. Their terms and conditions can be found here.
15. Social Media Competitions
Please read these competition rules carefully. If you enter one of our competitions, we will assume that you have read these guidelines and you agree to them;
15.1. To enter a competition, you must be a UK resident and be over 18 years at the time of competition entry
15.2. Competitions are not open to Stonegate Group employees (or members of their immediate families)
15.3. No purchase necessary
15.4. Only one entry per person
15.5. Please follow the competition guidelines. Stonegate Group reserves the right to amend the competition end date at any time
15.6. If you win a competition we will notify you by social media within 48 working hours of the closing date
15.7. The judge’s decision is final, and no correspondence will be entered into
15.8. If a panel of judges is required for the competition, it will be comprised of persons detailed on the relevant competition page and/or the Stonegate team
15.9. The prize will not be transferable to another person
15.10. No part of a prize is exchangeable for cash or any other prize
15.11. If an advertised prize is not available, we reserve the right to offer an alternative prize of equal or greater value
15.12. If you have entered a # competition for Popworld, Fever, Moo Moo, Zinc or Reflex, we will be announcing one winner a month on our Facebook pages
15.13. Incorrectly completed entries will be disqualified
15.14. Competitions on our brand social pages are run by Stonegate Group, 3 Monkspath Hall Road, Solihull, West Midlands B90 4SJ.
15.16. Competitions on our brand social such as Facebook, Twitter and Instagram pages are in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter or Instagram
15.17. Winners have 14 days to respond to winning entry correspondence. If communications are not responded to in this timeframe another winner will be chosen to receive the prize.
16. Customer Database Surveys
16.1 Customer prize for participation will be stated clearly on the email
16.2 The winner will be notified of the prize 14 days after the email is received
16.3 Winners will be chosen at random
16.4 The bar tab must be spent within 1 month of the prize being won
16.5 The bar tab is not exchangeable for cash
16.6 Prize winners must be over the age of 18
17. Gift Voucher/E-Gift Cards
These terms and conditions (”T&Cs”) govern your use of your Gift Voucher, SMS Voucher or E-Gift Card (together known as “Gift Card”) Please take time to read and understand these terms before using your Gift Card.
17.1 The Gift Card is issued and operated by Slug and Lettuce which is part of Stonegate Group, 3 Monkspath Hall Road, Solihull, West Midlands B90 4SJ.
17.2 Gift Cards may not be exchanged for cash
17.3 The Gift Card is not a cheque guarantee, credit, debit or charge card
17.4 No change will be given but the balance can be used for future purchases
17.5 A Gift Card is valid for 12 months from the date of purchase. We will not refund any balance remaining and we will invalidate the Gift Card.
17.6 Slug & Lettuce Gift Cards are valid at Slug and Lettuce venues in the UK. Gift Cards can only be redeemed direct, in person at a Slug & Lettuce venue. Gift Cards cannot be used towards orders or deposits made or paid over the telephone, online or via third party delivery partners.
17.7 Gift Cards can be purchased with a minimum value of £20 up to a maximum of £160
17.8 Our Gift Cards should be treated at cash. Please protect your Gift Card. If deleted or lost they cannot be resent or replaced.
17.9 Email gift vouchers can be displayed on your phone or printed out and given to your server
17.10 Gift Cards may not be sold, exchanged or used for any other purposes, expect as specified in these terms
17.11 We reserve the right to refuse to accept a Gift Card which we deem to be tampered with, duplicated or which otherwise is suspected to be affected by fraud.
17.12 Slug and Lettuce does not warrant or represent that your Gift Card will always be accepted in our venues. For example, in the unlikely event of an IT or system failure where we are unable to process Gift Cards.
17.13 Slug and Lettuce reserves the right to amend these terms at any time or withdraw the Gift Cards on reasonable notice
17.14 Slug and Lettuce Gift Cards are non-refundable
General Terms & Conditions
The Old Bank is a trading name of Stonegate Group, a company registered In England with number FC029833 whose registered office is at Codan Trust Company (cayman) Limited, PO Box 2681, Cricket Square, Grand Cayman, Cayman Islands, KY1 1111.
This Site, including this legal notice, contains material including text, photographs and other images, which is protected by copyright and/or other intellectual property rights. All copyright, trademarks and other intellectual property rights in the material comprising this Site are owned by or licensed to the Stonegate Group or its subsidiaries.