Terms of Service

By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, you must not access or use the site.

You must be at least 16 years old to use the site. If you are under 18, you should use the site only with the involvement of a parent or guardian. We do not intentionally design content for children, and we do not offer products that require children to provide personal information through the site.

These Terms apply to all visitors, subscribers to our email briefing (if you choose to sign up), and anyone who interacts with our contact channels. Additional terms may apply to specific features where clearly stated.

Thames & Ledger publishes educational content about (a) UK news with financial context, (b) explanations of common investment program structures, and (c) financial literacy guides focused on practical skills. The content is intended to help readers understand concepts, terminology, and common decision trade-offs.

The site does not provide regulated financial advice, investment advice, tax advice, or legal advice. Nothing on the site constitutes a personal recommendation or an offer to buy or sell securities or financial products. If you need advice tailored to your circumstances, you should consult a suitably qualified and regulated professional.

We may update, improve, remove, or change content and site features at any time. We may also pause or discontinue parts of the site, either temporarily or permanently, without notice. We try to maintain availability, but we do not guarantee uninterrupted access.

You agree to use the site only for lawful purposes and in a way that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the site. You are responsible for ensuring that your use complies with applicable laws and regulations.

When you submit information through our forms (for example, subscribing to an email briefing), you agree to provide accurate information that you have the right to provide. You must not submit personal data about someone else without their permission.

Where the site offers a subscription or similar feature, you agree to maintain one subscription identity per person and not to attempt to bypass consent, unsubscribe, or preference controls. If you receive an email briefing, you must not use it for spamming, phishing, or any other abusive activity.

All site content, including articles, guides, visual design, logos, trademarks, and underlying code, is owned by or licensed to Thames & Ledger (unless otherwise stated). The content is protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, and revocable licence to access and use the site for your personal, non-commercial educational purposes. This licence does not permit you to reproduce, redistribute, publish, sell, sublicense, or commercially exploit any content without our prior written consent.

You may share links to our pages and quote short excerpts for commentary or criticism where permitted by law, provided you include clear attribution to Thames & Ledger and do not imply endorsement. If you are unsure whether your intended use is allowed, contact us before reusing content.

The site may refer to external resources for verification and context, such as official agencies, public datasets, or educational materials. Any third-party resources are provided for convenience and do not constitute our endorsement.

We are not responsible for the content, availability, security, or privacy practices of third-party websites or services. Your use of third-party websites is at your own risk and subject to their terms and policies.

The site and all content are provided on an “as is” and “as available” basis. While we aim to provide accurate and helpful educational material, we make no warranties, express or implied, regarding the completeness, accuracy, timeliness, reliability, or suitability of the content for any particular purpose.

Financial and regulatory information can change. You should always verify critical details using official documentation and, where appropriate, seek professional advice before making decisions involving money, taxes, or legal obligations.

We do not guarantee that the site will be uninterrupted, error-free, secure, or free from harmful components. You are responsible for using appropriate safeguards, such as updated browsers and security software.

To the maximum extent permitted by law, Thames & Ledger will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of savings, loss of data, business interruption, or loss of goodwill, arising out of or relating to your use of (or inability to use) the site.

To the extent that we are liable to you for any claim arising out of or relating to the site, our maximum aggregate liability for direct damages will be limited to the lower of (a) the amount you paid to us for the site or related services in the 12 months preceding the event giving rise to the claim, or (b) €100. Because the site is generally provided free of charge, this limit will often be €100.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded by law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable law.

You agree to indemnify and hold harmless Thames & Ledger, its owners, and contributors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the site, (b) your violation of these Terms, or (c) your violation of any rights of another person or entity.

Our Privacy policy explains how we collect, use, store, and share personal data, as well as how cookie preferences work. The Privacy policy is incorporated by reference into these Terms.

If you use forms on the site, you should read the accompanying disclosures about what we collect and why. You also have options to unsubscribe from emails and to request deletion of personal data as described in the Privacy policy.

We may suspend or terminate your access to the site at any time, with or without notice, if we reasonably believe you have violated these Terms, pose a security risk, or use the site in a way that could harm other users or our operations.

Upon termination, the licence granted to you to use the site will end. The following sections will survive termination to the extent necessary: Intellectual property, Disclaimers, Limitation of liability, Indemnification, Governing law and dispute resolution, and Contact.

We may update these Terms from time to time to reflect changes to the site, legal requirements, or how we operate. Changes become effective 14 days after we post the updated Terms on this page. By continuing to use the site after the effective date, you accept the updated Terms.

If changes are significant and you have subscribed to our email briefing, we may also notify you via email or through a prominent notice on the site. The “Last Updated” date at the top of this page indicates when the Terms were last revised.

These Terms and any disputes arising out of or relating to them or the site will be governed by the laws of England and Wales, without regard to conflict-of-law principles.

Before starting formal proceedings, you agree to contact us and allow a 30-day informal resolution period. Please include enough information to identify the issue and the outcome you seek. We will attempt to resolve disputes in good faith.

If a dispute cannot be resolved informally, the courts of London, England will have exclusive jurisdiction, except where applicable law provides you with mandatory rights to bring claims in another forum.

For questions about these Terms, legal notices, or requests related to site use, contact:

If you are contacting us about a privacy matter, please use the instructions on our Privacy page so we can route your request correctly.