Terms of Service

The short version, stated first

Stonehaven Investments Ltd provides general financial information and educational content only. We do not provide personalised investment advice, we do not manage client money, and we are not authorised or regulated by the Financial Conduct Authority. Nothing on this website should be construed as a personal recommendation under the Financial Conduct Authority’s rules.

Using this website

Content on this website is general information about markets, investment structures and financial planning for a UK audience. It is provided without charge for your education. You may read, print and share it with attribution to Stonehaven Investments. You may not republish it commercially, present it as advice to third parties, or use it in a way that suggests we recommend any product or provider.

No advice, no recommendations

Nothing on this website, in our guides, or in our published materials constitutes a personal recommendation or advice on the merits of buying, selling or holding any investment, within the meaning of the Financial Conduct Authority’s rules. We do not assess your personal circumstances through this website. Any engagement with us is for research, education and planning support only, delivered under a separate written scope.

Engagements

Client work is governed by the written scope and fee agreed before work begins. Our obligations are to provide the research and analysis described in the scope with reasonable skill and care; your obligations are to pay the agreed fee and provide accurate information. Because our work is informational, decisions made on the basis of it – including implementation through any provider – are yours alone.

Complaints and the Ombudsman

If you are unhappy with our work, write to us and a director not involved in the original engagement will review it and respond within ten working days. Because we do not carry on regulated activities, our services are not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme. We state this plainly here and in every engagement letter so that no client discovers it later.

Liability

To the fullest extent permitted by law, we exclude liability for indirect or consequential loss arising from use of this website. Nothing in these terms limits liability for fraud, or for death or personal injury caused by negligence, or any liability that cannot lawfully be limited. Our total liability arising from any engagement is limited to the fees paid for that engagement, except where a separate written agreement states otherwise.

Governing law

These terms and any dispute arising from them are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

Changes

We may update these terms from time to time; the current version is always on this page with its date. Material changes affecting client engagements will be communicated directly.