The information available through this website is for your general information and use and is not intended to address your particular requirements. The information does not constitute any form of advice or recommendation by Spence Financial Ltd and is not intended to be relied upon by users in making any investment decisions.

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

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.

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 advice 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.