Legal Disclaimer

Investment Health Checks ('Company', 'we', 'us', or 'our') provides investment analysis and advisory services through our website and platform. This Legal Disclaimer outlines important legal notices, limitations of liability, and terms governing your use of our services.

By accessing and using our platform, you acknowledge that you have read, understood, and agree to be bound by this Legal Disclaimer. If you do not agree with any part of this disclaimer, please discontinue use of our services immediately.

Investment Health Checks is not authorised or regulated by the Financial Conduct Authority (FCA), and none of the information provided on our platform constitutes “regulated financial advice” or any other regulated activity under the UK Financial Services and Markets Act 2000 (FSMA). Our services are intended solely for general information and educational purposes.

The information, analysis, and reports provided by Investment Health Checks are for informational and educational purposes only and should not be construed as financial advice, investment recommendations, or an offer to buy or sell any security.

Investment Health Checks does not provide personalised financial advice. You should not make any financial decisions based solely on the information provided through our platform without first consulting with a qualified financial advisor, accountant, or investment professional who understands your specific situation and goals.

Past performance is not indicative of future results. All investments involve risk, including potential loss of capital. Investment Health Checks does not act as a fiduciary or financial advisor, and nothing on our platform should be relied upon as a substitute for personalised, regulated advice from a qualified and authorised professional.

Investment Health Checks makes no guarantees, representations, or warranties regarding the accuracy, completeness, reliability, or timeliness of the information provided through our platform. The analyses, reports, and recommendations are provided on an 'as-is' basis without warranty of any kind.

We do not guarantee that our services will meet your expectations or produce specific results. While we strive to provide accurate and helpful analysis, errors, omissions, and inaccuracies may occur.

Some information and analysis on our platform may be generated or processed automatically using software-driven methods. Because financial markets change rapidly, reports may become inaccurate or outdated immediately after generation, and we do not warrant real-time accuracy or completeness.

We disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

All investments carry risk, including potential loss of principal. The value of investments can fluctuate significantly based on market conditions, economic factors, company performance, interest rates, and other variables beyond our control.

Diversification does not guarantee profit or protect against loss. Past performance does not guarantee future results. An investment's historical performance is no assurance of future success.

Different types of investments carry different levels of risk. Equity investments typically carry more risk than fixed-income or money market investments. You should assess your risk tolerance and financial goals with a qualified professional before making any investment decisions.

The analyses provided should not be used for professional investment, regulatory, auditing, or institutional purposes and are intended solely for individual informational use.

While Investment Health Checks endeavours to provide accurate, current information, we do not represent or warrant that all information on our platform is accurate, complete, or current. Information may become outdated without notice.

Data sources used in our analysis are believed to be reliable; however, they may contain inaccuracies, delays, or omissions. Market data and company information can change quickly and may not update in real time on our platform.

You are solely responsible for independently verifying any information before making financial or investment decisions. Investment Health Checks shall not be liable for decisions made or actions taken based on outdated, incomplete, or incorrect information.

To the fullest extent permitted by applicable law, Investment Health Checks and its officers, directors, employees, agents, contractors, and affiliates shall not be liable for any indirect, incidental, consequential, punitive, or special damages, including but not limited to loss of profits, revenue, opportunity, goodwill, or data, arising from your use of or reliance on our platform, reports, or analysis.

We are not responsible for financial losses, market losses, investment outcomes, trading decisions, tax consequences, or any actions taken based on information generated by the platform, whether automated or otherwise.

We do not guarantee uninterrupted access to the platform. We are not liable for service outages, delays, data loss, corruption, cyber incidents, technical failures, or events beyond our reasonable control.

In all cases, our total aggregate liability for any claim shall not exceed the total amount paid by you to Investment Health Checks in the 12 months preceding the event giving rise to the claim.

Some jurisdictions restrict the exclusion or limitation of certain liabilities; in such cases, these limitations apply only to the maximum extent allowed by law.

Our platform may contain links to third-party websites, resources, and content that are not under our control. We do not endorse, guarantee, or assume responsibility for the accuracy, completeness, legality, or reliability of any third-party content or services.

Your use of third-party websites and services is subject to their terms and conditions and privacy policies. Investment Health Checks is not responsible for any transactions, disputes, or issues arising from your interaction with third parties.

We are not responsible for the availability or functionality of third-party websites or services. Links to third-party sites are provided for convenience only and do not imply affiliation or endorsement. You acknowledge that we have no obligation to monitor or verify the accuracy of third-party content and that accessing third-party websites is at your own risk.

Before making any significant financial decisions, you should consult with qualified professionals including a certified financial planner, investment advisor, tax accountant, or attorney who can provide personalised advice based on your unique circumstances.

Investment Health Checks analysis should be used only as one tool in your decision-making process, never as a substitute for professional advice. The complexity of personal finance requires individualised guidance tailored to your specific situation.

We strongly encourage you to seek professional advice before making any significant changes to your investment portfolio or financial strategy.

Nothing on the platform should be interpreted as tax, legal, accounting, regulatory, or investment suitability advice. You are responsible for understanding the tax and regulatory impact of any investment decisions and must consult a qualified professional before acting.

You agree to use Investment Health Checks platform only for lawful purposes and in compliance with all applicable laws and regulations. You agree not to:

• Use the platform for fraudulent, unlawful, or misleading purposes.

• Attempt to gain unauthorised access to the platform, servers, or data.

• Reverse engineer, decompile, scrape, extract, or harvest data from the platform.

• Use automated scripts, bots, scrapers, or similar tools to access the platform.

• Upload or transmit malicious code, including viruses, worms, or spyware.

• Misuse platform outputs to build competing products or services.

• Violate intellectual property rights, privacy rights, or applicable laws.

Investment Health Checks reserves the right to suspend or terminate access to the platform for violations of these terms.

You are responsible for ensuring that all information you provide to Investment Health Checks is accurate, complete, and current. Providing false, misleading, or incomplete information may result in inaccurate analysis and recommendations.

You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account. Notify us immediately of any unauthorised access to your account.

Investment Health Checks shall not be liable for any consequences arising from inaccurate, incomplete, or fraudulent information you provide.

This Legal Disclaimer shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law principles.

You agree to submit to the exclusive jurisdiction of the courts of the United Kingdom for any legal proceedings arising out of or related to this disclaimer or your use of Investment Health Checks services.

If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Investment Health Checks reserves the right to modify this Legal Disclaimer at any time. Changes will be effective immediately upon posting to our website. Your continued use of the platform after changes are posted constitutes your acceptance of the updated disclaimer.

If material changes are made that affect your rights, we will provide notice where legally required. Updates apply prospectively and do not retroactively alter rights previously accrued.

We recommend that you review this disclaimer periodically to stay informed of any updates. The 'Last Updated' date at the top of this page indicates when the disclaimer was last revised.

If you have concerns about changes to this disclaimer, you may discontinue use of our services.

If you have questions about this Legal Disclaimer or wish to report a legal concern, please contact us at contact@investmenthealthchecks.com.

Investment Health Checks is a UK-based company. Please include sufficient details in your correspondence so we can address your request promptly. Where legally required, we may provide additional statutory contact information.