These terms govern your use of Capital Management (the "Site"). By using the Site, you agree to these terms. If you don't agree with them, please don't use the Site.

No financial, tax or legal advice

Everything published on this Site is general information only, aimed at UK residents, and does not constitute financial, tax, legal, investment or mortgage advice. See our full Disclaimer for more detail. You should not rely on anything on this Site as a substitute for regulated professional advice tailored to your own circumstances.

Accuracy of information

We take reasonable care to keep information accurate and up to date, particularly around tax rates and allowances, but rules change and errors can occur. We make no warranty, express or implied, that content on the Site is complete, accurate or current, and we accept no liability for actions taken in reliance on it.

Acceptable use

You agree not to misuse the Site — including attempting to gain unauthorised access to it, disrupting its operation, submitting the contact form for spam or malicious purposes, or scraping or republishing our content without permission.

Intellectual property

The text, design, logo and other original content on this Site are owned by Capital Management unless otherwise stated, and may not be copied, reproduced or republished without our prior written permission, other than for personal, non-commercial use with appropriate attribution.

Third-party links

The Site links to external websites, such as GOV.UK and MoneyHelper, for reference. We don't control and aren't responsible for the content, accuracy or availability of external sites, and including a link doesn't imply endorsement.

Limitation of liability

To the fullest extent permitted by law, Capital Management accepts no liability for any loss or damage arising from your use of, or inability to use, the Site, or from reliance on any information published on it.

Changes to these terms

We may update these terms from time to time. Continued use of the Site after changes are posted means you accept the updated terms. Any changes will be reflected by the "last updated" date at the top of this page.

Governing law

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

Contact us

If you have any questions about these terms, please get in touch via our contact page.