Savings Bonds Disclaimers and Risk Warnings
Please read this page in full before taking out and savings or investment product via our website.
SavingsBonds.co.uk is a trading style of Blue Speck Media Ltd.
Blue Speck Media is not regulated by the Financial Services Authority. Where applicable, we operate under Financial Services Authority Article 33 exemption and only introduce customers to regulated independent financial advisors.
Blue Speck Media Ltd is regulated by the Office of Fair Trading, licence number 642375/1
The information provided on SavingsBonds.co.uk is for general information purposes only. It is not, and should not be construed as, financial or other professional advice. We recommend you that you do not solely rely on the information you find here as it is not detailed or comprehensive enough to enable you to make an informed decision without speaking to an independent advisor. The information on this website should be used as a first step for doing your own independent research. We strongly recommend you speak to an independent financial advisor before taking out any products or implementing changes to your finances.
This website is intended for investors over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other than the UK.
For enquiries related only to investments, pensions, annuities, we provide access to firms who provide regulated independent financial advice and are registered with the Financial Services Authority.
We also contain links to product providers' websites. These products are listed on a non-advised basis. If you are unsure about the suitability of a product, or whether it is offered on an advised or non-advised basis, we urge you to take independent financial advice before making any important decisions about your finances.
Blue Speck Media Ltd does not provide credit but acts as a credit intermediary to providers of credit. We only introduce to selected parties and not to all market providers.
Exclusion of liabilities
Advertisements placed on this site are deemed by the advertisers to be compliant with UK legislation and regulatory requirements. The content of the advertisements is their responsibility.
SavingsBonds.co.uk does not guarantee the accuracy, veracity, or completeness of any information provided on our site, and we will not be responsible for any errors or omissions in content, articles or postings, or for links embedded in messages.
SavingsBonds.co.uk will not be liable for any loss or damage caused by a reader's reliance on information obtained in our area, or in a hyperlinked area.
Nothing in this disclaimer excludes or limits SavingsBonds.co.uk liability for death or personal injury caused by its proven negligence, or excludes or limits our duties or any liability under any applicable law.
General risk warnings
The list of funds/investments provided should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
Savings bonds offer not advice and all products are promoted on a non advised basis.