These terms set out the basis on which you can use chapter3fp.co.uk. They are deliberately brief. Anything material is covered in the engagement letter you would sign before becoming a client.
This website is operated by Chapter3 Financial Planning Ltd, an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority under FRN 197107. Registered in England & Wales. Manchester, UK.
The content on this website — including all guides, articles, calculators and brochures — is for general information and education only. It is not personal financial, tax, legal or investment advice. You should not rely on anything on this site as a basis for making decisions about your own circumstances.
Personal advice can only be given after a formal client engagement, fact-finding process and suitability assessment. If you would like advice, please book a call.
The value of investments and the income from them can fall as well as rise. You may get back less than you invest. Past performance is not a reliable indicator of future returns.
Tax treatment depends on individual circumstances and is subject to change. Levels and bases of taxation can change without notice.
Some products and structures referenced on this site (including pensions, ISAs, GIAs, offshore bonds, Family Investment Companies and Business Asset Disposal Relief planning) are technical and not appropriate for everyone. Always seek personal advice before acting.
We take reasonable care to keep the content accurate at the date of publication. Tax rates, legislation, allowances and market conditions change — we are not obliged to update every page every time something moves. The "last reviewed" date on each substantive page (where shown) is the best guide to currency.
To the maximum extent permitted by law, we accept no liability for any loss arising from action taken or not taken on the basis of content on this website.
The content on this website — including the wordmark, the visual design, the guides and the photography — is the property of Chapter3 Financial Planning Ltd. You're welcome to print or share guides for personal use or to forward them to a colleague, accountant or solicitor. You may not republish, resell, or pass them off as your own work.
The Chapter 3 fonts (Playfair Display, Inter) and any third-party content used under licence remain the property of their respective owners.
Where this site links to external sites (HMRC, GOV.UK, the FCA, ValidPath, the ICO, the Financial Ombudsman Service, the FSCS, etc.), we link only to public, reputable sources. We have no control over their content and accept no responsibility for it.
How we handle personal data and cookies is set out separately in the privacy policy.
These terms are governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising from your use of this website.
If you would like to complain about any aspect of this website or the service provided by Chapter 3, please email colin@chapter3fp.co.uk in the first instance. Where the complaint relates to regulated financial advice, our principal firm ValidPath Limited is the responsible party, and the matter can also be referred to the Financial Ombudsman Service.
Chapter3 Financial Planning Ltd · Manchester, UK · colin@chapter3fp.co.uk · 0161 541 2826.