LEGAL SERVICE ACCESS While the website is normally available 24 hours a day, certain services provided through the website may not be available 24 hours a day, and we shall not be liable if for any reason the website is unavailable at any time. Access to the website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control. DISCLAIMER This website is here to give you information about our products and services. It is up to you to decide whether they are suitable for you. You may want to get advice about this from an independent financial advisor. COPYRIGHTS, TRADE MARKS AND COPYING MATERIALS ON THIS SITE We own (or have full licence for) all copyrights for this website and all trade marks and other materials used on it. You may use anything on this website only for your personal information and for this purpose you may print, copy, download or temporarily store extracts from this website. You must not alter anything. Any other use is prohibited unless you first get our written permission. EXCLUSIONS OF OUR LEGAL LIABILITY The website only complies with UK laws. You should only use it from the UK. The products and services on it are only available to you if you are a UK resident.You may not always be able to access this website. We are not responsible for any losses if you cannot do so (for example if you cannot obtain a product at a stated price).We are not responsible if the means of communication you use to access the website or to send us information about yourself or to receive information from us does not work properly LAW AND JURISDICTION This site and these Terms are governed by English law. Any disputes arising from this site shall be resolved by the English courts unless you can show you accessed the site from Scotland in which case the Scottish courts may be used and Scottish law may apply. LEGAL PRIVACY COOKIES POLICY Finance is subject to status and is only available to UK residents aged 18 and over. Finance provided by Black Horse Limited, St William House, Tresillian Terrace, Cardiff CF10 5BH. Black Horse Limited Registered in England and Wales with registered number 661204. Registered Office: 25 Gresham Street, London EC2V 7HN