Disclaimer

Please read our disclaimer and references in full. If you do not agree to anything in the disclaimer or the references then please leave our websites immediately.

D1. NO ADVICE

D1.1 Our websites contain general marketing information.

D1.2 The information is not advice and should not be treated as such.

D2. NO WARRANTIES

D2.1 The information on our websites is provided without any representations or warranties, express or implied.

D2.2 Without limiting the scope of Section D2.1, we do not warrant or represent that the information on our websites:

(a) will be constantly available, or available at all; or

(b) is true, accurate, complete, current or non-misleading.

D2.3 Neither we nor any third parties involved in the management or maintenance of our websites provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information or materials on our websites for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

D2.6 Your use of any information or materials on our websites is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through our websites meet your requirements and personal circumstances.

D3. NO STOCKBROKER-CLIENT RELATIONSHIP

D3.1 No stockbroker-client relationship shall be created through the viewing of our websites.

D4. INTERACTIVE FEATURES

D4.1 Our websites may include interactive features that allow users to communicate with us.

D4.2 You acknowledge that, because of the limited nature of communication through interactive features, any assistance you may receive using any such features is likely to be incomplete and may even be misleading.

D4.3 Any assistance you may receive using any of our website’s interactive features does not constitute specific advice and accordingly should not be relied upon without further independent confirmation.

D5. PROFESSIONAL ASSISTANCE AND ADVICE

D5.1 You must not rely on the information on our websites as an alternative to professional advice from a registered financial / investment advisor or other professional services provider.

D5.2 If you have any specific questions about any matter, you should consult your financial / investment advisor or other professional services provider.

D5.3 You should never delay seeking advice, disregard advice, or commence or discontinue any action because of information on our websites.

D5.4 The information provided on our websites is not intended to be an offer or solicitation of any financial service and does not constitute investment advice – it is offered for information purposes only.

D5.5 You must not rely on the information on our websites as forming the basis for making investment decisions. You are recommended to seek independent investment advice.

D5.6 The past performance of investments may not always be reflected in future performance. The values of and income from investments fluctuate, and you may not always get back the full amount originally invested. Changes in rates of exchange may cause the value of investments to fluctuate.

D5.7 The value of investments can fall and you may get back less than you invested. Past performance is not a reliable indicator of future returns. There is no guarantee that the tax efficient nature of any investment product mentioned within this website will remain. Investments may not be suitable for everybody and potential investors are recommended to seek independent advice based on your personal circumstances before investing. The information provided on our websites is intended for UK residents only. By continuing to use our websites you confirm that you have the necessary right to do so. In particular the information provided does not constitute an offer to sell or buy securities for the benefit of any US resident or US person.

D6. LIMITS UPON EXCLUSIONS OF LIABILITY

D6.1 Nothing in this disclaimer will:

(a) limit or exclude any liability for death or personal injury resulting from negligence;

(b) limit or exclude any liability for fraud or fraudulent misrepresentation;

(c) limit any liabilities in any way that is not permitted under applicable law; or

(d) exclude any liabilities that may not be excluded under applicable law.

D8. LEGISLATION AND RULES

D8.1 The information available on our websites is based on our understanding of current UK legislation and HMRC rules. The tax advantages of CTFs, ISAs, JISAs, PEPs, SIPPs or any other product/service are dependent on individual circumstances and are subject to statutory change.

D9. COMMUNICATIONS

D9.1 No dealing instructions will be taken over the internet including by email. We accept no liability if any deadlines are missed.

D9.2 The contents of emails sent from us may contain confidential information for use by the intended recipient only. If an email has been received by anyone other than the intended recipient, you must not copy or distribute the email or any part of it. Please notify us immediately by returning the complete email then deleting the emails (including any backups) from your system.

D9.3 We cannot accept any liability for any errors or omissions in any email. Email transmission is not guaranteed to be error free, reliable or secure from interception therefore emails from us may be modified, damaged, lost, incomplete, arrive late or contain malware.

D9.4 While details submitted through our websites forms make use of industry standard security technologies, we are unable to completely guarantee the transmission across the internet is free from interception therefore you submit any information entirely at your own risk.

D8. ACCOUNTS

D8.1 We reserve the right to reject any applications for accounts without reason. We reserve the right to close, without recourse, any accounts on giving thirty days written notice. Our standard exit charges will apply and may be met by cash in the account(s) or by selling securities at our discretion. Clients may transfer to another provider of their choice, but if they ignore our transfer deadline then the accounts will be closed including PEPS / ISAs and the cash / investments will be re-registered in the client’s own name. We do not accept any liabilities whatsoever from the closure of any accounts for whatever reason.

D8.2 If you have more than one account with us, we reserve the right to set off the debit on one account with the credit on another, likewise debits on connected accounts (e.g. between spouses, children or partners where third party instructions have been accepted) may be offset against available credits on the connected account.

D8.3 We reserve the right to alter any published charges including commission rates, dividend handling fees, annual fees, discretionary and investment management fees and exit fees on giving one month’s written notice.

D9. REFERENCES

D9.1 Our acceptable use policy, linking policy, privacy and cookies policy, and our website terms and conditions of use must all be read in addition to this disclaimer.

Further Information