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Legal and privacy

Malaczynski Burn is authorised and regulated by the Financial Conduct Authority. Malaczynski Burn Limited Is a member of the National Association of Pension Funds NAPF Membership Number 04626/B/V This document contains confidential and proprietary information of Malaczynski Burn Limited and is intended for the exclusive use of the parties to whom it was provided by Malaczynski Burn Limited. Its content may not be modified, sold or otherwise provided, in whole or in part, to any other person or entity, without Malaczynski Burn Limited’s written permission. The findings, ratings and/or opinions expressed herein are the intellectual property of Malaczynski Burn Limited and are subject to change without notice. They are not intended to convey any guarantees as to the future performance of the investment products, asset classes or capital markets discussed. Past performance does not guarantee future results. This does not contain investment advice relating to your particular circumstances. No investment decision should be made based on this information without first obtaining appropriate professional advice and considering your circumstances.

Information contained herein has been obtained from a range of third party sources. While the information is believed to be reliable, Malaczynski Burn Limited has not sought to verify it. As such, Malaczynski Burn Limited makes no representations or warranties as to the accuracy of the information presented and takes no responsibility or liability (including for indirect, consequential or incidental damages), for any error, omission or inaccuracy in the data supplied by any third party. The information in this web site does not constitute an offer or a solicitation of an offer to buy or sell securities, commodities and/or any other financial instruments or products. Malaczynski Burn expressly reserves the right, in its sole and absolute discretion, to alter or amend any criteria or information set out in this website without notice. No offer or information or content contained on these pages should be construed as an offer by Malaczynski Burn. All services offered by Malaczynski Burn are subject to signature of the requisite contracts and other documentation relating thereto. These are governed by the standard terms and conditions of Malaczynski Burn in respect thereof. Malaczynski Burn shall not be bound in any manner until a formal written agreement has been entered into.

Transmission of information

Information transmitted via the Internet, including without limitation e-mail, is susceptible to monitoring and interception. You are therefore discouraged from transmitting to Malaczynski Burn any information, which may be confidential, proprietary or sensitive. You shall bear all risk of transmitting such information in this manner and under no circumstances will Malaczynski Burn be liable for any loss, harm or damage suffered by you as a result thereof.

Malaczynski Burn gives no warranty, guarantee and makes no representation in respect of such linked websites or webpages. Risk and no liability. Your use of this website and the information contained therein is entirely at your own risk and you assume full responsibility in respect of any loss or damage resulting from the use thereof. Neither Malaczynski Burn, its affiliated companies, holding company, subsidiaries or subsidiaries of its holding company, or their officers, agents, consultants or employees shall be liable for any direct, consequential or indirect loss or damages suffered by a visitor or any other person relating to the use of this website or the information contained therein. You hereby indemnify Malaczynski Burn and its suppliers from and against any and all losses, liability, cost or damages suffered or incurred, in connection with the use of the website or any other website that can be accessed from this website regardless of how such loss or liability may occur, and whether such loss or liability is foreseeable, financial, personal, consequential, incidental or otherwise.

Electronic Disclaimer

This website and the information contained therein is provided "as is" and without warranty whether expressed or implied thereto and specifically: does not warrant that the website or information will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. Whilst Malaczynski Burn has taken reasonable measures to ensure the integrity of this website and its content, no warranty, whether express or implied is given that any files, downloads or applications available via this website are free of viruses, trojans, bombs, time-locks or any other data or code, which has the ability to corrupt or affect the operation of your system.

Product Disclaimer

The value of investments may go down as well as up and past performance is not necessarily a guide to the future. Malaczynski Burn shall not be liable for any damage, loss or liability of any nature incurred by whomever and resulting from: access to the Malaczynski Burn website; access to websites linked to the Malaczynski Burn website; inability to access the Malaczynski Burn website; inability to access websites linked to the Malaczynski Burn website; content available on the Malaczynski Burn website; services available from the Malaczynski Burn website; downloads and use of content from the Malaczynski Burn website; or any other reason not directly related to Malaczynski Burn's negligence.

The Malaczynski Burn website is supplied on an "as is" basis and has not been compiled to meet your individual requirements. It is your responsibility to satisfy yourself, prior to entering into any agreement with Malaczynski Burn, that the content available from and through the Malaczynski Burn website meets the your individual requirements and is compatible with your computer hardware and/or software; Malaczynski Burn does not make any warranties or representations that content and services available from the Malaczynski Burn website will in all cases be true, correct or free from any errors. Malaczynski Burn shall take all reasonable steps to ensure the quality and accuracy of content available from the Malaczynski Burn website and encourage you to report incorrect and untrue information subject to the right of Malaczynski Burn to rely on its free expression rights and determine, in its sole and absolute discretion, the contents of this website; and Malaczynski Burn does not make any warranties or representations that the Malaczynski Burn website shall be available at all times. You acknowledge that the Malaczynski Burn website may be unavailable due to updates or other causes beyond the reasonable control of Malaczynski Burn, including, but not limited to virus infection, unauthorised access, power failure or other "acts of God."

Enforceability

If any of the foregoing is not fully enforceable for any reason, the remainder shall nonetheless continue to apply. Malaczynski Burn Legal Information Definitions "Malaczynski Burn" means Malaczynski Burn Ltd, a company duly incorporated in accordance with the Companies Act. "Malaczynski Burn website" means the Malaczynski Burn website located at www.mb-risk.co.uk and includes any part or element thereof; "User" means any person who enters or uses the Malaczynski Burn website; References herein to the singular include the plural and vice versa; and Hyperlinks to copyright notices and legislation are deemed part of these terms and conditions, however the validity and interpretation of these terms and conditions are not affected in the event that some or all of the hyperlinks do not work.

Ownership and copyright

Copyright in all information, material and logos (hereinafter referred to generally as "Material") made available through the Malaczynski Burn website are protected by both national and international intellectual property laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation, or exploitation of this material will constitute an infringement of such protection. The copyright in all Material of Malaczynski Burn published on Malaczynski Burn website shall continue to vest in Malaczynski Burn. A visitor's access to the Malaczynski Burn website, and the information contained on it, does not in any way convey or transfer any right in or to the intellectual property rights of Malaczynski Burn. Malaczynski Burn authorises you to view, copy, download to a local drive, print and distribute the content of the Malaczynski Burn website, or any part thereof, provided that: such content is used for personal information purposes only; such content is used for non-commercial purposes. You are expressly prohibited from incorporating any of the Material from the Malaczynski Burn website in any other work, publication or website either of your own or belonging to any third party; any reproduction of the Material from the Malaczynski Burn website or portion thereof must include this notice in its entirety; the trademarks, logos and service marks displayed on the Malaczynski Burn website are registered or in the registration process. Nothing contained on the Malaczynski Burn website should be construed as granting any licence or right to use any trademark without the written permission of the owner thereof.

Complaints procedure

In the event of any dissatisfaction, Malaczynski Burn has a complaints procedure to ensure all client complaints are dealt with efficiently. The procedure is as follows: Submit any letter of complaint and all relevant supporting documentation to the CEO at info@mb-risk.co.uk (Please note: all complaints must be in writing) Please ensure that all the information is correct and the required additional information and documentation (if applicable) is attached to the completed complaint form. The Malaczynski Burn staff member assigned to assist you in the resolution of your complaint will acknowledge receipt of your complaint promptly and in writing and include his/her contact details. Malaczynski Burn undertakes to investigate each complaint equitably and, within 3 (three) weeks of receiving the completed complaint form, respond with how it intends to address the complaint, or, if it does not accept the validity of the complaint, the reason why it does not. Should Malaczynski Burn be unable to resolve your complaint in this time period, you will also be advised accordingly. Should Malaczynski Burn be unable to resolve your complaint or should you be dissatisfied with the response to your complaint or the manner in which it has been addressed, you should contact the Financial Conduct Authority.

Malaczynski Burn’s Conflict of Interest Management Policy

To request a copy of Malaczynski Burn’s Conflicts of Interest Management Policy, please contact the Compliance Officer at info@mb-risk.co.uk

Jurisdiction

These terms and conditions shall be governed by and construed in accordance with English law without giving effect to any principles of conflict of law. You hereby consent to the exclusive jurisdiction of the High Court of England Wales in respect of any disputes arising in connection with the services referred to herein, or these terms and conditions or any matter related to or in connection therewith.