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Terms and conditions under which you may use our website

Please read these terms and conditions carefully, since they specify both your rights and obligations whilst using this site. By continuing to stay on our website, you are accepting these terms and conditions in their entirety.


One) you must not act in any way that could cause harm, annoyance or inconvenience to the owners all users of this website.
Two) this website is an information service only, and we neither provide not advise an insurance, or any other financial, services. We will not therefore accept any liability for any products or services that you decide to buy as a result of using this website, and we strongly advise that you take adequate professional advice before entering into any form of insurance contract.

Accuracy of information

Whilst we attempt to keep this website up to date, in a fast-moving industry we cannot guarantee that the information on the site is still relevant or accurate, and so you should not rely upon any information on this website when making financial or other decisions.

Protecting our copyright

All the information on this site is copyrighted and, although we have no objection to you making copies for your own use, our content must not be provided to any other person or copied onto any other website or other publication without our express permission.

Should you in fact provide information or copies of information from this website to any other person, you agree to indemnify us, should there be any losses or claims incurred by any other person whatsoever as a consequence of your providing this information.

Links to other websites

Our site provides links to other websites which we consider may be able to provide goods or services which you may be looking for. These websites are not under our control in any way, and we cannot be held responsible for any consequences whatsoever of your visit in these websites.

Contractual obligations

Should you purchase goods or services as a consequence of visiting our website, your contract will be with the company providing those goods or services, and not with us. We cannot therefore enter into any correspondence regarding these goods or services, and no contract will exist between yourself and ourselves regarding them.

Your legal rights

None of the above terms and conditions will affect any legal rights you enjoyed under the laws of England. Since this website originates in England, the laws of that country will govern any disputes, which will come solely under the jurisdiction of the courts of England and Wales.

Copyright 2017 All Rights Reserved
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This site is maintained by Cyril Barnsley Associates of Europa Business Park Birhall Lane Stockport Cheshire SK3 0XA who have a partnership agreement with Prudent Plus Limited. . Prudent Plus Ltd is an introducer appointed representative of Seopa Ltd, of Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS which is Authorised and Regulated by the Financial Conduct Authority number 313860. These facts can be checked by visiting the FCA website.

Please note that we do not give insurance advice on this website. You are advised to seek professional advice before entering into any financial agreements.

Opening hours: Monday-Friday 9.00am to 5.30pm; Saturday 8.30am to 12.30pm; closed Sundays.