Terms of Use

About us

This website is operated by AfFord Financial Advisory ("we", "us", "our"), an independent financial advisory firm based in London, United Kingdom.

Acceptance of these terms

By accessing or using this website you agree to be legally bound by these Terms of Use, our Privacy Policy, and any other notices posted on the site. If you are using this site on behalf of an entity, you represent that you are authorised to bind that entity to these terms.

Information on this site

The information on this website is provided for general information and educational purposes only. It is intended for users in the United Kingdom and is not directed at any person in any jurisdiction where such distribution would be contrary to local law or regulation.

We make every effort to keep content accurate and up to date, but we make no representations or warranties, express or implied, as to its completeness, accuracy, or timeliness. Any reliance you place on information on this site is strictly at your own risk.

This is not financial advice

Any personal financial advice from us is only ever given following a formal client engagement and a documented written agreement. Calculators, articles, and educational content on this site are illustrative only.

Investment risk warnings

The following warnings apply across all references to investments, pensions, and financial products on this site:

• The value of investments and any income from them can go down as well as up. You may not get back what you invested.
• Past performance is not a reliable indicator of future results.
• Tax treatment depends on individual circumstances and may change in the future.
• Pension transfers may not be in your best interests; advice is mandatory for transfers from defined-benefit schemes worth more than £30,000.
• Specific high-risk and complex products are not suitable for most retail investors. We will explain risk fully in any personal recommendation.

Permitted use

You may use this website for personal, non-commercial purposes including:

• Browsing our service descriptions and educational content
• Submitting genuine enquiries through the contact forms
• Downloading or printing pages for your own personal reference

Prohibited use

You agree not to:

• Use the site in any way that breaches any applicable law or regulation
• Attempt to gain unauthorised access to the site, its server, or any connected database
• Introduce viruses, trojans, worms, or other malicious code
• Scrape, copy, or systematically extract content for any commercial purpose without our written consent
• Impersonate any person or misrepresent your affiliation with any person or entity
• Use the site to transmit unsolicited communications, advertising, or spam

Intellectual property

All content on this website — including text, graphics, logos, images, software, and the underlying design — is the property of AfFord Financial Advisory or its licensors and is protected by United Kingdom and international copyright, trade mark, and other intellectual property laws.

You may not reproduce, modify, distribute, or commercially exploit any part of the site without our prior written consent, except for permitted personal use as described in Section 6.

Third-party links

This website may contain links to third-party websites, including the FCA Register, the ICO, and the Financial Ombudsman Service. We provide these links for your convenience and have no control over the content of those external sites. We accept no responsibility for the content, privacy practices, or availability of third-party websites.

Site availability

We make reasonable efforts to keep the site available and functioning correctly, but we do not guarantee that it will always be available, uninterrupted, or error-free. We may suspend, withdraw, or restrict the availability of all or part of the site for business or operational reasons, and will give reasonable notice where practicable.

Limitation of liability

Nothing in these terms excludes or limits our liability for: (a) death or personal injury caused by our negligence, (b) fraud or fraudulent misrepresentation, or (c) any other liability that cannot lawfully be excluded under English law.

Subject to that, to the fullest extent permitted by law, we exclude all liability arising from your use of this website, including (without limitation) liability for:

• Any reliance placed on information on the site
• Loss of profits, business, goodwill, or anticipated savings
• Loss of data or information
• Indirect or consequential loss
• Interruption to business or any disruption caused by viruses or technical failure

These limitations do not apply to your relationship with us as a client; that relationship is governed by your separate written client agreement.

Indemnity

You agree to indemnify and hold us harmless from any claim, loss, damage, or expense (including reasonable legal fees) arising from your breach of these terms or your misuse of the site.

Complaints

If you wish to make a complaint, please contact us at [email protected]. We will acknowledge your complaint promptly and aim to provide a written response within eight weeks.

Changes to these terms

We may amend these terms from time to time. The version in force is always the one shown on this page. By continuing to use the site after an update, you accept the revised terms.

Governing law & jurisdiction

These terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of England & Wales. The courts of England & Wales have exclusive jurisdiction to settle any such dispute.

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