Terms & Conditions and Disclaimer (StructuredProductReview.com)

Before proceeding to use this website it is important that you first read the following information:

This site is intended only for use by UK financial services professionals as defined in the Financial Services and Markets Act 2000.

Retail investors are not permitted access but can instead utilise the retail client version at Lowes.co.uk selecting Structured Product Review from the left hand menu.

By registering, you agree to us storing and using your details in the course of our business and, subject to your stated preferences you agree to us contacting you.

Use of this site is free of charge and subject to these terms and conditions.

StructuredProductReview.com is maintained by Lowes Financial Management (Lowes), a company registered in England & Wales No. 1115681. Lowes is authorised and regulated by the Financial Services Authority. All information contained within this site is copyrighted and can only be repeated or our opinion or otherwise published where full credit is given to Lowes.co.uk.

The site is maintained through the financial support of the Providers whose plans are shown. They have agreed to facilitate the service to encourage transparency and understanding of the sector. However, the Providers are not responsible for any content of StructuredProductReview.com (other than the Product materials which it has produced) or any other website referred to within StructuredProductReview.com. The information contained on the website does not constitute investment research, but is a marketing tool to facilitate the conduct of research.

Lowes reserves the right to alter or withdraw this service at any time. StructuredProductReview.com does not offer investment, legal, tax or any other advice, and any information displayed on the site should not be interpreted as such. Lowes accepts absolutely no liability for any loss or expense incurred by the interpretation and subsequent use of any information contained within this site. In every instance users should validate the information contained within the site by referring to the product literature and product provider. Lowes reserves the right to refuse or terminate registration of any user without notice or reason, or to otherwise alter the terms of this service at any time.

Whilst we will strive to cover as many retail structured products as possible StructuredProductReview.com does not provide details of every product and we reserve the right to limit which provider’s plans are shown. Lowes does not undertake to enter into any discussion with regards any information or opinion provided via StructuredProductReview.com

Registered users' email addresses or other details will not be passed on to any third parties for marketing purposes. Registered users agree initially to the receipt of emails when new products are added to StructuredProductReview.com. However, such emails can be restricted to ‘Preferred Plans’ only if required, or if the receipt of such emails is unacceptable users may unsubscribe via the ") "My Account" tab in the "Tools and Resources" section.

StructuredProductReview.com provides information, which in some cases includes the subjective opinion of Lowes. Any opinions or beliefs provided about a product are that of Lowes, are provided at the time the review was conducted, and are merely that, an opinion. Any opinion provided should not be construed as advice in any form, and absolutely no liability can be accepted by Lowes for any loss or expense incurred by the interpretation of such opinions or because our preferences are followed.

Whilst Lowes strives to maintain the accuracy of information contained within StructuredProductReview.com, and to ensure that all of the information provided is up to date, no guarantee can be given for the accuracy of any information displayed on the site, thus Lowes cannot accept any liability for any loss or inconvenience arising from any errors or omissions in such information. Users should therefore satisfy themselves as to the accuracy of any information provided.

Some of the pages within StructuredProductReview.com contain links to third party websites and/or references to third party information. Whilst Lowes strives to maintain the links to third party websites, and to keep references to third party information up to date, Lowes cannot accept any liability for any errors or omissions in this information. Users should therefore satisfy themselves as to the accuracy of any information provided by third party sources. Please note, all products referred to on this website are subject to change without any prior notice.

Please be aware that, with the exception of capital guaranteed investment products (which may have Financial Services Compensation Scheme protection up to certain limits), the investment products displayed within StructuredProductReview.com place investors’ capital at risk and investors may not receive back their original capital investment in full.

Please note that the information contained within these pages does not constitute advice within the meaning of the Financial Services and Markets Act (FSMA 2000).