Investment Risk Disclosure & Legal Notice

Sterling Financial Consultants Limited is authorised and regulated by the Financial Conduct Authority (‘FCA’).
Details of this authorisation can be viewed on the FCA’s Website at by entering 521843 as the Firm’s Reference Number.

Links to other web sites and services: The Site contains links to other web sites which are not under the control of and are not maintained by us. These links are provided for your convenience only and we are not responsible for the contents or security of those sites. We shall not be responsible for any loss or damage suffered by you as a result of using the links provided on our Site.

The content on the Site is only for your general information and use and is not intended to address your particular requirements. The content on this Site does not constitute any form of advice, recommendation or arrangement by Sterling Financial Consultants Limited and is not intended to be relied upon by you in making any specific investment or other decisions. Appropriate advice should be obtained before making any such decision.
By accessing this site, you acknowledge and agree that you bear responsibility for your own investment research and investment decisions, and that Sterling Financial Consultants Limited shall not be held liable by you or any others for any decision made or action taken by you or others based upon reliance on or use of information or materials obtained or accessed through use of the Site. Any arrangements made between you and any third party named on this site are at your sole risk and responsibility.
Copyright/ trademarks: All rights in the HTML, designs, programming and information posted by us on the Site are owned by SPM Employee Benefits Limited or its licensors. You may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of this Site without our permission. All trademarks, service marks, and trade names displayed on the Site are the marks of the owners of the relevant material, and may only be used by you as permitted by law or as expressly authorised by the owner.
Data protection: We will respect your personal data and will comply with all applicable UK data protection legislation currently in force. We will use your personal information, which you provide to us and the records of your visits to the Site to constantly monitor and improve our Service and for marketing purposes in accordance with our Privacy Policy.
Laws: These Terms shall be governed by and construed in accordance with the laws of England and Wales and any disputes will be decided only by the courts of England and Wales.
Privacy Statement: We are required by the Data Protection Act 1984 and 1998 to follow strict procedures to protect customer information. Any disclosure of personal details will only be made in accordance with current legislation and its interpretation by case law from time to time.