Terms of Use

1. About us and these terms

This website is operated by Espiene Limited, registered in England and Wales (company no. 4891886), registered office Reed Cottage, Garboldisham Road, East Harling, Norfolk NR16 2PT. We are authorised and regulated by the Financial Conduct Authority (reference 413974). By using this website you agree to these terms. If you do not agree, please do not use the site.

2. Information is not advice

The information on this website is provided for general information only. It does not constitute personal financial, legal or tax advice, and should not be viewed as a personal recommendation or a solicitation to buy or sell any product. You should always seek advice tailored to your own circumstances before making any financial decision. To do so, please contact us.

3. Our calculators and tools

The calculators and tools on this website are provided to give a general, indicative illustration only. They make simplifying assumptions, do not take account of your full circumstances, inflation or future changes to tax and legislation, and their results do not constitute advice or an offer. They should be used as a guide, and a starting point for a conversation with an adviser.

4. Accuracy of information

We take care to ensure the information on this site is accurate and up to date, but we do not warrant that it is complete, current or error-free. Tax and financial rules change frequently, and figures quoted may not reflect the latest position. We may change the content of the site at any time without notice.

5. Intellectual property

The content, design, logos and branding on this website are owned by or licensed to Espiene Limited and are protected by law. You may view and print pages for your own personal, non-commercial use, but you may not reproduce, distribute or exploit any part of the site without our permission.

6. Links to other websites

Where we link to third-party websites, we do so for your convenience. We have no control over, and accept no responsibility for, the content of those sites or any loss arising from your use of them.

7. Our liability

To the fullest extent permitted by law, we exclude liability for any loss or damage arising from your use of, or reliance on, this website or its content. Nothing in these terms limits our liability for anything which cannot lawfully be excluded, including liability for fraud, or for death or personal injury caused by our negligence.

8. Governing law

These terms are governed by the law of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Contact us

If you have any questions about these terms, please contact us at admin@espiene.com or on 01953 718417.

The value of investments may fall as well as rise and you may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. The FCA does not regulate taxation advice, estate planning, or some forms of buy-to-let mortgage.