The aim and purpose of the Financial-Helpdesk is to raise awareness of the framework program financial issues, and not to give legally binding advice. It is intended to provide any relevant information which may be of assistance to anyone with financial queries or concerns. It is was initiated by the Finance-NMS-IST project and is currently operated by EFPC. We endeavour to deliver a high level service for this purpose. Notwithstanding this, no guarantee can be given on the correctness or completeness of the information provided and neither the European Commission nor the project partners, nor EFPC are responsible or may be held accountable for any loss suffered as a result of reliance upon the services of the Finance-Helpdesk. Any information given does not necessarily reflect the official position of the European Commission. In this regard, it should be noted that the information provided is considered to be of a first line assistance and users should contact the competent authorities, organisations, or private firms for more detailed information or for advice on any course of action.