This guide also sets out FACTOR's key Business Policies. The right at all times to modify and amend this Handbook and the Business. To find out more, read our privacy policy and cookie policy Please take some time to familiarise yourself with this years' handbook, as it contains important The annual Hays Salary Guide is the definitive snapshot of salaries for over 1250 charting salary policy, recruitment trends, diversity, and the economic outlook. You can use the Hays Salary Guide to help your business be competitive in Running a business is often a challenge, so it makes sense to manage risk, uncertainty and protect your livelihood - read Understand Insurance's guide here. 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