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These terms and conditions ('the Terms') govern your use of this website (the 'Website'). Please read through the Terms. If you do not agree with the Terms, do not use this Website. If you do use the Website, your conduct indicates that you agree to be bound by the Terms.

Copyright notices:
Unless otherwise specified the copyright in the contents of all the pages in this Website are owned by Kevin Anthony Jones.
Unless otherwise specified, the authors of the literary and artistic works in the pages in this Website have asserted their moral right pursuant to Section 77 of the Copyright Designs and Patents Act 1988 to be identified as the author of those works.

Conditions of your use of this Website:
Except as stated below, the contents of this Website may not be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means without the prior express written permission of Kevin Anthony Jones. You may not distribute, display or copy any of the contents of the pages contained in this Website to third parties including, but not limited to 'caching' any material on this Website for access by third parties and 'mirroring' any material on this Website.

You may print or download to disk the contents of an individual page of this Website for the purpose of private and personal non-commercial use. You may also permit your computer to make an electronically stored, transient copy of the content in this Website for the purpose of viewing it while connected to the Internet only. However, you may only make one copy of any content.

Warnings and Disclaimers

The information contained in the material in this Website is only for information purposes. Kevin Anthony Jones, by permitting the use of this Website, does not hold himself out as providing any legal, financial or other advice. He also does not make any recommendation or endorsement as to any investment, adviser or other service or product or to any material submitted by third parties or linked to this Website. In addition, he does not offer any advice regarding the nature, potential value or suitability of any particular investment, security or investment strategy.

In considering the investments described on this Website it is important to note that the nature of such investments, and the capital, income value, returns, risks and charges of such investments differ from one investment to another and may go up or down. Past performance is not necessarily a guide to future performance.

The investment and services mentioned on this Website may not be suitable for you. If you have any doubts you should contact an independent financial advisor. In particular some of the investments mentioned may not be regulated under the Financial Services Act 1986 or at all and the protection provided to you under this Act will not apply.

The material on this Website does not constitute advice and you should not rely on any material in this Website to make (or refrain from making) any decision or take (or refrain from taking) any action.

Exclusion of liability:
Kevin Anthny Jones does not make any warranty or representation as to the accuracy, completeness or fitness for purpose of any material on this Website or the reliability of the access to this Website.

In no event does he accept liability of any description, including liability for negligence, for any damages or losses (including, without limitation, loss of business, revenue, profits, or consequential loss) whatsoever resulting from use of or inability to use this Website. Kevin Anthony Jones makes no warranty that this Website (or websites which are linked to this Website) is free from computer viruses or any other malicious or impairing computer program.

The pages contained in this Website may contain technical inaccuracies and typographical errors. The information in these pages may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information in these pages up to date or liability for any failure to do so.

This Website also contains links to other websites which are not under the control of and are not maintained by Kevin Anthony Jones. Kevin Anthony Jones is not responsible for the content of those sites. Kevin Anthony Jones provides these links for your convenience only but does not necessarily endorse the material on these sites. Kevin Anthony Jones makes no warranty or representation as to the accuracy, completeness or fitness for purpose of any material on these sites. The same warnings as to the uncertain nature of investments, the unsuitability of such investments for all readers and the need for you to seek independent financial advice if in any doubt as set out above at 'Warnings and Disclaimers' apply. You proceed to these websites at your own risk.

Law governing the Terms
Use of this Website and these Terms shall be subject only to the laws of England and Wales which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use.

The Courts of England and Wales shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with this Website and its use and these Terms.

The information provided within this site should not be regarded as financial advice within the meaning of the 1986 Financial Services Act.

Before making any investment decision, remember:

Your personal requirements will depend on many factors, and the advice you require may be entirely unique to yourself.
You shouldn't rely on anything contained in this site when making an investment decision but should always seek advice from an independent financial adviser (IFA) or another adviser authorised to give investment advice before making any investment.
Kevin Anthony Jones is not authorised to give financial advice and our opinions cannot be a substitute for formal financial advice.
Views expressed within this site are personal. Where we offer recommendations, they are personal opinions borne out of personal experience and Kevin Anthony Jones will not accept any legal liability for actions resulting from the opinions he holds or from any other content over the site.
When selecting a financial adviser, check they are properly authorised by calling the Financial Services Authority (FSA) central register.
While we strive for accuracy, errors can occur. We cannot be held responsible for any investment decision taken as a result of any of the content of this site.

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Please read on.
Saving Money: Switched on ways to keep hold of your precious cash.
Getting Money: Clever, barely legal ways of getting money.
How a house, open a bank account...
Future Dreams: Planning, after your debts have been eliminated.
Financial X-Ray: Let the nice doctors at Money Surgery X-ray your wallet.
Money News: The latest from the world of personal finance.
The best interest rates for saving and borrowing.
Feedback: Write to the Surgery.
Contacts: Other people who may be able to help, if we can't.
Money Surgery.