The information available through Chapters Financial Limited is for your general information and use and is not intended to address your particular requirements. In particular, the information does not constitute any form of advice or recommendation by Chapters Financial Limited and is not intended to be relied upon by users in making (or refraining from making) any investment decisions.

Appropriate independent advice should be obtained before making any such decision. Any arrangement made between you and any third party named in the site is at your sole risk and responsibility.

For your information we would like to draw your attention to the following investment warnings:

The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested. The spread between the bid and offer prices of securities can be significant in volatile market conditions, especially for smaller companies. Realisation of small investments may be relatively costly.

Past performance is not necessarily a guide to future performance. Where the information consists of pricing or performance data, the data contained therein has been obtained from company reports, financial reporting services, periodicals, and other sources believed reliable.

General warnings:

The site operates a policy of independence in relation to matters where the operator may have a material interest or conflict of interest. On conflict of interest such interest may arise from the receipt of advertising income, commissions based on business introduced, payment for enhanced publication presence, holding of positions etc.

Contributors employed or contracted by the company to provide site material are required to disregard any material interest or conflict of interest when giving information through the site.

Journalistic comment included on this site is made to the best of the knowledge and belief of the writer but no responsibility is accepted for actions based on such comment.

Chapters Financial Limited is not responsible for the content of external webpages/links.

Legislation and tax matters can change over time and we believe the information to be correct at the time of publication. You should check this information before taking any action.

Chapters Financial Limited is authorised and regulated by the Financial Conduct Authority.

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Chapters Financial Limited does not accept any liability for your reliance upon, or any errors or omissions. Any other use of Chapters Financial Limited's content requires the prior written permission of Chapters Financial Limited.

Complaints

It is our intention to always provide the highest quality level of advice and service. If however you become dissatisfied with our provision of, or our failure to provide, a financial service, and you wish to register a complaint please contact Keith G Churchouse FPFS, at Chapters Financial Limited, Shaw House, 2-3 Tunsgate, Guildford, Surrey, GU1 3QT, telephone (01483) 578 800. Your complaint will be investigated in accordance with the firm's complaints handling procedure, a copy of which will be supplied to you. If you are not happy with the way we have carried out our investigation or the result, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Further information about the FOS is available from their website www.financial-ombudsman.org.uk.

Will writing is not regulated by the Financial Conduct Authority.