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Terms and Conditions
This page contains important information about legal restrictions and regulatory obligations relating to the information contained on this website. Please read it carefully.

DBFM is a member of the Institute of Chartered Accountants of Scotland. The terms set out below are governed by and shall be construed in accordance with the laws of Scotland. Our complaints procedures are available on request.

We take every care to ensure that the information contained within this website is correct. However, no warranty is given as to accuracy and no liability is accepted for any errors or omissions. Neither DBFM, and/or any related organisations, nor any of its partners, directors, officers or employees accepts any liability or responsibility in respect of the content of this website which, moreover, may be amended by us at any time, without notice.

We do not endorse, or take responsibility for, any information contained within the sites of other providers with links to this website.

The information contained on this website is for reference only and does not constitute investment advice, a distribution, an offer to sell or the solicitation of an offer in any jurisdiction. Local laws may have an impact on your investments and we may be prohibited from offering some or all of the services detailed on this website to persons in certain jurisdictions.

Unless stated otherwise, the contents of this website are based on our own interpretation of UK taxation law and practice. There is no guarantee that tax reliefs and the tax treatment of funds will remain the same in the future. The value of any tax reliefs will depend on individual circumstances.

AAny performance information contained in this website accords with UK performance standards. Past performance is not necessarily a guide to future performance. The value of investments and income arising from them may go down as well as up and you may not get back the amount you originally invested. There are additional risks associated with investing in emerging or developing markets. Investments in higher yielding bonds issued by borrowers with lower credit ratings may result in greater risk or default and have a negative impact on income and capital value.

DBFM is registered under the data protection laws in the UK and, as such, takes all reasonable care to prevent unauthorised access to your personal information. To access certain areas of this website you will need to register some information with us such as your name, company, and contact details. We will not collect any information about you without your consent. Occasionally we may inform you of new products and services that might be of interest. By registering with us, we will treat you as having consented to our using your personal data in the manner described above. However, we will not disclose any information about you to any third party without your permission and in all instances will abide fully by the principles set out in the Data Protection Act 1998.

The reproduction and dissemination of any item appearing on this website is permitted in accordance with the following guidelines.

In all cases, DBFM and/or related organisations must be acknowledged on every copy as the source of the material and our address and contact details clearly shown. Up to four copies may be printed for personal use or use within your organisation. Material may be downloaded on to a local hard disk for personal use or use within your organisation. Supply of any material is permitted to a third party provided it is for their own personal use and it is not supplied directly or indirectly for commercial or other gain. Any third party to whom material is disseminated must be supplied with a copy of these guidelines. Permission for the reproduction and dissemination of material outside the scope of these guidelines may be considered on request to us.

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