1. Who we are
The site is published by Cityfulviro at 8 Orchard Gardens, Dawlish, EX7 9HE, United Kingdom. Email [email protected]. Telephone +44 7529 812730. References to “we” and “the desk” mean that publisher. References to “you” mean the person using the site.
2. What the notes are
The pages are general information and editorial comment about inflation, UK public statistics, and the way certain instruments and household bills behave. Worked examples are fiction. Photographs are illustrative. Dates on essays tell you when the prose was last materially revised. Figures that belong to the ONS, the Bank of England, the Debt Management Office, NS&I, GOV.UK, or the FSCS should be read at those sources before you rely on them. A lag between their update and ours is possible.
3. What the notes are not
Cityfulviro is not authorised or regulated by the Financial Conduct Authority. We are not an authorised person under the Financial Services and Markets Act 2000. Nothing on this site is:
- personal advice or a personal recommendation;
- an offer, invitation, or solicitation to buy, sell, or hold any investment, deposit, mortgage, or insurance;
- a forecast that you are entitled to treat as a promise;
- tax advice, legal advice, or a valuation;
- a statement that any product is suitable for you.
Investments can fall in price. You can get back less than you put in. Inflation can erode cash even when the balance does not fall. Tax treatment depends on your circumstances and on the law in force at the time. Past behaviour of an index, a gilt, a rent series, or a metal is not a guide you should treat as a prediction.
If you need a recommendation, use a firm that is authorised to give one, and check that status on the FCA register yourself. Do not send us information in the hope that we will cross the line into advice. We will not.
4. Your responsibility
You are responsible for the decisions you take after reading. You should check primary documents — a bond prospectus, a scheme booklet, a mortgage offer, a key features document, an official statistical release — before you act. You should assume that a sentence here can be incomplete for your case even when it is fair as a general description.
5. Intellectual property
The text, layout, and original images on this site are owned by Cityfulviro unless a page says otherwise. You may share a link. You may quote a short passage for criticism, review, or teaching, with credit and a link to the page, provided you do not imply that we endorse you. You may not copy whole essays, scrape the site to train a product, or present our words as your research. If you want a wider licence, write to [email protected] before you copy.
Names of official bodies are used to identify public sources. They are not a partnership and not a badge of approval.
6. Acceptable use
Do not misuse the site. In particular, do not attempt to break it, probe it for someone else’s data, send malware to the mailbox, or use the brand to ask members of the public for money. Do not post our telephone number as a dealing desk. We do not deal.
7. Liability
The site is provided in good faith and without a warranty that it is complete, current, or fit for a particular purpose. To the extent the law allows, we exclude liability for loss of profit, loss of opportunity, loss of data, and other indirect or consequential loss arising from use of the site or from reliance on its contents.
We do not exclude liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under the laws of England and Wales. Nothing in these terms affects statutory rights that cannot be waived.
Because we do not charge you to read the site, and because the content is general information rather than a service of advice, you acknowledge that it is reasonable for us to place responsibility for financial decisions with you and with any regulated adviser you choose to instruct.
8. External links
Links to the ONS, the Bank of England, the Debt Management Office, GOV.UK, the FSCS, NS&I, the ICO, and any other site are there so you can read the source. Those sites have their own terms. We do not control them, and a link is not an endorsement of every page on that domain.
9. Changes
We may revise these terms and the essays. The date at the top of this page will change when the terms change. Continued use after that date is acceptance of the revised terms. Essays carry their own dates. An old quotation of our words may not match the page as it stands.
10. Law and courts
These terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over disputes arising from them or from the use of the site, except that you may also have rights to bring a claim in the part of the UK where you live if a consumer law requires that. These terms do not create a financial-services client relationship.
11. Contact
Questions about these terms: [email protected], or Cityfulviro, 8 Orchard Gardens, Dawlish, EX7 9HE, United Kingdom, or +44 7529 812730. The privacy policy describes personal data. It is not a substitute for this page, and this page is not a substitute for it.