Disclaimer.

1. Regulatory status

Chris P Doherty is not currently authorised or regulated by the Financial Conduct Authority (FCA), and is not currently providing financial advice or any other regulated financial service. Authorisation is being actively worked towards. Until that is in place, this website does not constitute, and should not be relied upon as, a regulated activity.

2. Educational content only

All content on this website — including articles, calculators, courses, videos, downloads and any other materials — is provided for general information and educational purposes only.

It is not intended to be, and should not be interpreted as:

• Personal financial advice or a personal recommendation.
• Investment, tax, legal or accounting advice.
• A solicitation, offer or recommendation to buy or sell any financial product, investment or service.
• A substitute for advice from a qualified, FCA-regulated professional.

Your personal circumstances, objectives and risk tolerance have not been assessed. Any decisions you make based on the content of this site are made entirely at your own risk and are your sole responsibility.

3. Always seek regulated advice

Before making any financial decision — particularly decisions involving investments, pensions, tax planning, mortgages, protection, equity release, or business structuring — you should seek personalised advice from a qualified, FCA-regulated financial adviser, accountant or solicitor as appropriate.

4. Calculators and tools

Any calculators, scoring tools or self-assessments on this site (for example, the Financial Wellness Check) are simplified illustrations intended to help you think about your financial situation. They are not personal advice. The results are based on the limited information you provide and use general assumptions that may not reflect your full circumstances. They should not be used as the sole basis for any financial decision.

5. Accuracy of information

We make reasonable efforts to ensure that the information on this site is accurate and up to date at the time of publication. However, tax rules, legislation, allowances, product features and market conditions change frequently. We do not guarantee that all content is current, complete or free from error. To the extent permitted by law, we accept no liability for any loss or damage arising from reliance on the content of this site.

6. Past performance and forward-looking statements

Where the site discusses investment concepts, historical returns or projections, please note that past performance is not a reliable indicator of future results. The value of investments can go down as well as up, and you may get back less than you put in. Any forward-looking statements are illustrative only.

7. Third-party content and links

This site may link to third-party websites or reference third-party products, providers or publications. These are provided for convenience or context only. We do not endorse and are not responsible for the content, accuracy or practices of any third party.

8. No adviser-client relationship

Reading this website, signing up to the email list, sending an enquiry, or otherwise interacting with the content does not create an adviser-client relationship between you and Chris P Doherty. Any such relationship can only begin once FCA authorisation is in place, an engagement letter has been signed, and a proper fact-find and suitability assessment have been completed.

9. Limitation of liability

To the fullest extent permitted by applicable law, Chris P Doherty shall not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or reliance on, the information on this website. This does not exclude any liability that cannot be excluded under UK law.

10. Changes to this disclaimer

This disclaimer may be updated from time to time, particularly as we move closer to FCA authorisation. The "last updated" date at the top of the page reflects the most recent revision. Please review it from time to time.