Website Terms and Conditions

This website is operated by WHIG. References to “WHIG”, “we”, “us”, or “our” mean WHIG.

WHIG does not carry out any regulated financial activities. We are not authorised or regulated by the Financial Conduct Authority (FCA) or any other body to provide financial services, investment advice, or any regulated activity under the Financial Services and Markets Act 2000 (FSMA).

We have never claimed, and we do not claim, to conduct regulated financial services. We will not engage in any such activities. All content on this website is for general informational and educational purposes only. It does not constitute financial advice, investment recommendations, tax advice, legal advice, or any form of regulated financial promotion.

Any references to investments, markets, or financial matters are illustrative only and should not be relied upon for making financial or investment decisions. You should seek independent advice from an appropriately authorised professional adviser before making any such decisions.

We fully comply with all applicable UK laws and take steps to ensure no content on this website is construed as carrying on regulated activities without authorisation.

You may use the website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that breaches any applicable law or regulation.
• Infringe our intellectual property rights or those of any third party.
• Transmit any harmful code, viruses, or disruptive material.
• Attempt to gain unauthorised access to any part of the website.

All content on this website, including text, graphics, logos, and images, is owned by WHIG or licensed to us and protected by copyright and other intellectual property laws. You may view and print extracts for personal, non-commercial use only. Any other use requires our prior written permission.

The website may contain links to third-party sites. We do not endorse or control these sites and are not responsible for their content or privacy practices. Accessing them is at your own risk.

The website and its content are provided “as is” without any warranties or guarantees. We do not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components. To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from your use of the website.

WHIG will not be liable for any indirect, incidental, special, or consequential loss or damage arising from your use of the website, even if advised of the possibility of such damage. Our total liability shall not exceed the amount paid by you (if any) for use of the website.

Your use of the website is also governed by our Privacy and Data Protection Policy and Cookie Policy. Please review them for details on how we collect and process your data.

We may update these Terms and Conditions from time to time. Continued use of the website after changes constitutes acceptance of the updated terms.

These Terms and Conditions are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.