Using the site
By reading this site you accept these terms. If you do not accept them, please stop here and close the page.
The site is offered for personal, non commercial reading. You may quote from it with attribution and a link. You may not republish pages wholesale, present our text as your own, use the material to train a product without permission, or scrape the site in a way that degrades it for other readers.
The status of what you read
Every page is editorial comment and reporting. Nothing on the site is investment advice, a recommendation, or a statement that any service is safe or unsafe. Where a report says that we could not establish something, that is a statement about our search and not an accusation against anyone.
We write with care and we correct errors when they are shown to us, but we do not warrant that any page is complete, accurate at the moment you read it, or continuously available.
Submissions
If you send us correspondence, documents or a right of reply, you confirm that you are entitled to send that material, and you grant us permission to use it editorially in accordance with our privacy policy. You keep whatever rights you had in it.
We are under no obligation to publish anything sent to us, to publish it in a particular form, or to publish it within any period. We do not remove a report because it is unwelcome, and we do not accept payment to alter, delay or withdraw one.
Third parties
Links to registers, regulators and other external pages are provided because they are useful. We do not control them and are not answerable for what they contain.
Where a button on this site opens a contact form, the service behind it is operated by a third party under its own terms and privacy notice. Deciding whether to use it is yours alone, and so are the consequences of that decision.
Intellectual property
The text and design of this site belong to its publisher, apart from material quoted from elsewhere under the ordinary rules of quotation. Trade names and marks mentioned in reports belong to their owners and are used to identify the services discussed.
Liability
To the fullest extent permitted by law, the publisher is not liable for loss or damage arising from the use of this site or from reliance on anything published here, including trading losses and losses from dealing with any platform mentioned.
Nothing in these terms limits any liability that cannot lawfully be limited.
Changes
We may revise these terms. The current version is the one on this page, and its modified date tells you when it was last changed. Continued use of the site after a change means you accept the revised terms.