Terms and Conditions for the use of this website

1. The material contained on this website provides general information about various aspects of financial services and provides ideas and indicators about possible areas of need. These pages do not attempt to give you advice on any particular product or investment, or to recommend any particular product or investment to you. The information does not constitute professional advice. You should consult a professional adviser if you need financial advice about your personal circumstances. We hope the information provided is helpful but it does not, on its own, add up to proper advice and we cannot take responsibility for anything you do in reliance on it without further discussion with us. It provides a general guide only and is no substitute for you thinking about your own particular circumstances.

Do not make a decision based upon the information contained within these website pages alone. They are not detailed or comprehensive enough to enable you to make a correctly informed decision.

If you would like to discuss a particular issue or generally find out how we can advise on your particular situation then please contact us. If you have any concerns as to whether a particular product or investment is suitable for you, then please contact us for advice. All initial consultations are free of charge and without obligation.

2. The Financial Services Authority does not regulate all forms of the products or services we may provide. However the majority of the services mentioned are subject to the UK regulatory regime and are therefore restricted to consumers based in the UK.

3. Certain links, including hypertext links, on this website will take you outside of our website. We are not responsible for the content of any linked website and accept no responsibility for information provided by third parties or for any errors, omissions or misleading statements on any such linked sites, as any links to third party sites are provided solely as a convenience to users and are used at your own risk.

4. Any information sheets provided for download and supplied from third parties are providers solely as a convenience for users. We are not responsible for any error, omission or inaccuracy in the material. We acknowledge copyright on any materials made available on this website and which is freely available to members of the public from other websites. The presence of any such copyrighted material does not in any way imply that the owners endorse this website or any products or services mentioned herein.

5. All items correct at time of press. All trademarks & logos remain the property of their respective owners. The presence of any such trademark or logo does not in any way imply that the owner endorses this website or any products, services or communications mentioned herein.

6. The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not necessarily a guide to future performance and past performance may not necessarily be repeated. If you withdraw an investment in the early years, you may not get the full amount you invested. Changes in the rates of exchange may have an adverse effect on the value or price of an investment in sterling terms if it is denominated in a foreign currency.

7. Your home may be repossessed if you do not keep up repayments on your mortgage.

8. Loans are subject to status and written details are available on request.

9. The Financial Services Authority does not regulate all the activities undertaken by the firm.

Your Information

In order to advise you properly, we must obtain certain information from you about your financial and personal circumstances, to assess your suitability for particular products and services.

By providing us with your personal data:

1. You agree that the information we hold about you can be held on computer and/or paper files, in accordance with the Data Protection Act 1998, and any subsequent amendments thereto.

2. You agree that any information which you give us, including sensitive personal data such as health and medical records, may be disclosed to third parties (e.g. credit reference agencies and medical practitioners, where relevant) for the purpose of processing your application and for the ongoing administration of your investment or policy but for no other purpose. Your information may also be accessed by IFA Systems Ltd for the purpose of web site maintenance and administration, and the the Financial Services Authority for investigative work.

3. You agree that we may use the information that we hold about you to contact you from time to time by post, fax, e-mail or telephone to bring to your attention additional products or services, which may be of benefit to you.

4. We agree that any consent given by you under paragraph 3 above may be withdrawn by you at any time by contacting us in writing at: