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TERMS AND CONDITIONS

This web site is provided by Fleming McDonald Financial Services Ltd directly authorised and regulated by the Financial Services Authority and is entered on the FSA register www.fsa.gov.uk/ under reference 492052 .

This web site does not give investment or other financial advice. It is designed to provide information on our services, and general educational help for potential customers. It does not and cannot give advice on your personal financial circumstances. If you require such advice please contact us.

Guidance and / or advice contained within this website is subject to the UK regulatory regime and is therefore directed at consumers based in the UK. Please note that although we are a regulated entity, some of the services and products described on this web site may not be regulated by the Financial Services Authority. Please contact us for details.
 
This site may contain links to other, external sites. We cannot be held responsible for the content of these sites (even if they are "framed" within our border), and their providers may or may not be regulated, therefore the regulatory protections which exist with the regulated sites will not exist on those unregulated ones.

The information provided on this site does not constitute an offer of sale. Your use of this web site shall be governed by the laws of Scotland whose courts shall have exclusive jurisdiction over any disputes arising from or in connection with the use, misuse or inability to use this web site.
 
This site is provided free of charge and so we cannot be held responsible for the accuracy or completeness of any information presented on it. Therefore, subject to the provisions of our regulatory body and of UK law, we are not liable for any losses or damages, whether direct, indirect, special or consequential whether in contract, tort (including negligence) or otherwise arising from this Web Site or from any inability, interruption or delay in access to the Web Site or any linked web site for whatever reason.

Fleming McDonald Financial Services Ltd is registered in Scotland at Office 4, Newmachar Business Centre, Kingseat Business Park, Kingseat, Newmachar, Aberdeen, AB21 0AZ

Fleming McDonald is a trading style of Fleming McDonald Financial Services Ltd which is directly authorised and regulated by the Financial Services Authority. An appointed representative of Financial Services Advice & Support Limited which is authorised and regulated by the Financial Services Authority.

The Financial Services Authority do not regulate Banking, Will Writing, Loans, Credit Cards, some forms of Mortgage, Tax Advice, Offshore Investments, Estate Planning.

Think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Level and bases of, and reliefs from, taxation are those currently applying but are subject to change and their value depends on the individual circumstances of the investor.  The value of investments can go down as well as up, as can the income derived from them.  Past performance does not guarantee future growth or income and you may not get back the full amount invested.