Is a recognisable sign, design or expression which identifies products or services of a particular source from those of others, although trademarks used to identify services are usually called service marks. The trademark owner can be an individual, business organisation or any legal entity. A trademark can be located on a package, a label, a voucher, or the product itself. Words that merely name the maker (but without particular lettering) or a generic name for the product are not trademarks. While a trademark may exist from its first use, it is wise to register it in order to prove its use and ownership and afford protection against use by others.

Also referred to as a mortgage loan, is used by purchasers of real property to raise capital for the purchase, or by existing owners to raise funds for any purpose while putting a lien on the property being mortgaged. The loan is secured on the borrower’s property, putting in place a legal mechanism which will enable the lender to take possession and sell the secured property to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms.

Refers to the terms of a contract or a judgment or a rule of law which it is possible, where necessary, to make people obey.