Important Disclaimers and Risk Information
Past performance does not guarantee future results.
Financial planning involves risk. Your financial situation may fluctuate based on market conditions and personal circumstances.
This disclaimer outlines important information regarding the use of our financial planning consultation services. Please read carefully before engaging with our platform.
General Information Disclaimer
The information provided through our subscription service is for general guidance purposes only. We provide analytical reviews and personal consultations to help you understand various approaches to financial planning. All content reflects general market observations and should not be considered as personalised financial advice tailored to your specific circumstances.
Limitation of Liability
Our liability is limited in the following circumstances:
- We shall not be liable for any indirect, consequential, or special damages arising from your use of our consultation services.
- Our maximum liability shall not exceed the amount paid for subscription services in the preceding twelve months.
- We exclude liability for any losses resulting from market volatility, economic conditions, or external factors beyond our control.
- No liability is accepted for technical issues, service interruptions, or delays in consultation delivery.
Information Accuracy and Currency
While we strive to provide current and accurate information during our consultations, financial markets and regulations change rapidly. Information shared during sessions reflects conditions at the time of discussion and may become outdated.
Important: Always verify current market conditions and regulatory requirements with appropriate authorities before making financial decisions.
Nature of Consultation Services
Our subscription service provides general financial planning discussions and analytical reviews. These consultations are educational in nature and designed to help you understand various financial concepts. We do not provide regulated financial advice, tax advice, or legal counsel. Always consult qualified professionals for specific advice relating to your circumstances.
Understanding Financial Risks
All financial decisions carry inherent risks that you should understand:
- Market conditions can change rapidly, affecting the value of financial positions and planning assumptions.
- Economic factors, inflation, and regulatory changes may impact your financial goals and timelines.
- Personal circumstances, employment, and health situations can affect your ability to maintain financial plans.
External Links and Third-Party Content
Our service may reference external websites, tools, or resources during consultations. We do not control or endorse third-party content and accept no responsibility for external information accuracy, availability, or suitability. Use external resources at your own discretion.
Client Experience Testimonials
Client testimonials reflect individual experiences and opinions. These represent personal outcomes from specific circumstances and timeframes. Your experience may differ significantly based on your unique situation, market conditions, and external factors.
Individual results may vary.
Intellectual Property Rights
All content, methodologies, frameworks, and materials provided during consultations remain our intellectual property. You may use information for personal financial planning purposes but may not reproduce, distribute, or commercialise our content without written permission.
Governing Law and Jurisdiction
This disclaimer is governed by the laws of England and Wales. Any disputes shall be subject to the jurisdiction of English courts.
Regional Considerations: Financial regulations and tax implications may vary across UK regions:
- Scottish law may apply different principles to certain financial arrangements and property matters.
- Northern Ireland may have specific regulatory requirements and tax considerations.
- Welsh-specific regulations may affect certain financial products and services.
Client Indemnification
You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your misuse of consultation information, failure to seek appropriate professional advice, or actions taken contrary to our service terms.
Severability Clause
If any provision of this disclaimer is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that achieves the same intent.
Disclaimer Updates
We may update this disclaimer periodically to reflect changes in our services, regulations, or legal requirements. Continued use of our service after updates constitutes acceptance of revised terms.
Contact Information
For questions about this disclaimer or our consultation services, please contact us using the following information:
Last updated: September 3, 2025
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