The value of investments can go down in value as well as up. It is therefore important that you understand the risks and commitments, so you can make informed decisions yourself we aim to provide you with the best information, best service and best prices.

General:

§  Although investment advice online is usually able to discount, or rebate, some or all of the initial charges, all investments should still be held for the long-term.

§  The information on this website is provided solely to enable you to make your own decisions. The investments and/or investment services referred to may not be suitable for all investors. If you need advice, you should consult our Financial practitioners

§  The price and value of investments and their income fluctuates: You may get back less than the amount you invested. Past performance should not be seen as an indication of future performance. Exchange rate fluctuations may have an adverse effect on the value of non-UK shares.

§  Where an investment is described as likely to yield income, or as being suitable for an investor who wants an income from his/her investments, you should bear in mind that income from investments may fluctuate and part of the capital may be used to pay that income.

§  The rules on taxation can change. The value to you of any tax benefits will depend on your tax position. Within a PEP/ISA all gains will be free of capital gains tax, and a tax credit will be reclaimed on interest from fixed interest investments.

§  Cancellation rights may not be available.

Use of this website is subject to the following terms and conditions:

This website is issued by C P Nicholls Investment Management, which is authorised and regulated by the Financial Services Authority (FSA Register number 137593, see www.fsa.gov.uk/register/  for registration details). The registered office for all companies is All Saints Church, West Pallant, Chichester, West Sussex, PO19 1TD

The following applies to all the Investment Advice Online group company websites:

The Investment Advice Online website is provided solely for private clients, for their personal use to access financial information with a view to placing business with Investment Advice Online. They may not be used by any other third party or commercial organisation without prior express written consent from Investment Advice Online.

The Investment Advice Online websites are intended for investors over 18 years of age who are resident in the UK only. The websites 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. Investors who are resident in or citizens of countries other than the UK may be subject to local restrictions. Due to the implementation of the European Union Savings Directive (EUSD) in the UK we may be required to collect supplementary information for investors who are resident outside the UK for tax purposes.

The Investment Advice Online websites may also contain links to, and from, third parties. The information and services offered within these third party websites has been produced by companies independent of Investment Advice Online who may not be regulated to conduct investment business. Any information, views or opinions accessed via links from the Investment Advice Online websites are solely those of the relevant provider and are not necessarily shared by Investment Advice Online. As such, Investment Advice Online accepts no responsibility for these third party websites.

The Investment Advice Online websites may contain information provided by third parties which is believed by Investment Advice Online to be reliable and accurate. However, Investment Advice Online does not guarantee this and accepts no liability. You agree and understand that while it may be possible to access information and news stories through the Investment Advice Online websites this does not constitute a personal recommendation to buy, sell, or otherwise trade all or any of the investments which may be referred to. Please read see Investment Advice Online’s general advice at the top of the page.

Please note that the entire Investment Advice Online websites, and any entries, passwords or usernames made, are accessible for viewing by Investment Advice Online. This information will not be passed to any third parties and will only be utilised for the purposes of assisting you in the event of a query.

Any technical support given by Investment Advice Online staff is given in good faith and Investment Advice Online cannot accept liability for any data or information held on your computer, which may be lost or damaged in processes advised.

The Investment Advice Online website uses pop-up windows to display certain types of information, please ensure that you have disabled pop-up blockers from your browser when using our website. Investment Advice Online will not be held liable for any loss incurred as a result of your inability to view information resulting from the use of pop up blockers.

Please read Investment Advice Online's terms and conditions which apply to using this web site and Investment Advice Online’s services offered. Separate Terms and Conditions may apply to other services