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Last updated March 2022

These Terms and Conditions (“Terms”) set out the basis on which you may access or use our website at (the "Site”). By accessing or using the Site, you agree to be bound by these Terms, along with our Privacy Notice and Cookie Policy. If you do not agree to be bound by them, then you must not use or access our Site. Please read these Terms carefully.


All content on the Site is owned exclusively by us, and may not be copied, reproduced, or shared in a way which suggests it belongs to anyone other than us. Quotes may be extracted from content on this Site in the event that explicit permission is sought from us, and adequate credit is displayed.

Links to other web sites 

Our Service may contain links to third-party web sites or services that are not owned or controlled by us.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

FCA & affiliates

We may receive financial compensation from a merchant if a reader chooses to purchase goods/services via links on this Site. You are in no way obligated to make any purchases and there is no additional cost to the reader by using these links. We are always honest in our opinions and will only recommend products or services that we have either used ourselves, or that we believe could be of benefit to readers. is not regulated by The Financial Conduct Authority (FCA) and the information provided should not be construed as financial advice. It is for guidance and educational purposes only.


We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. 

Data Storage


This Site uses cookies. For full details on how we use cookies and how we store any information related to cookies, please refer to our Cookie Policy.

We store data relating to subscribers of our mailing list. For full details of how we store and use this information, or how to remove yourself from our mailing list(s) please refer to our Privacy Policy.


Personal information or business information that you supply to us, other than information that is in the public domain, will be treated confidentially and in line with our Privacy Policy. Confidential information will not be disclosed to any third party, including for the purposes of marketing, without your prior permission. We will only disclose your information if it is necessary for the performance of our services or where so required by law.

Intellectual Property Rights

We are the owner or licensee of all intellectual property rights in the Site, including any databases that hold relevant information about the Site and its products.

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