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This page explains certain legal and regulatory restrictions in relation to the information contained in our website. By using or accessing any part of our website, you agree to be legally bound by the terms and conditions set out below. We may amend these terms and conditions at any time without notice. Your continued use of our website following any change will constitute your acceptance of such change. The information contained on this website is believed to be accurate at the date of publication but no warranty of accuracy is given and the information is subject to change without notice. Any opinions or estimates included herein constitute a judgement as of the date of publication and are subject to change without notice. Absolutely no responsibility is accepted for the accuracy of any information contained within websites provided by third parties that may have links to or from our pages.

Church House Investment Management is the trading name of Church House Investments Limited (“Church House”), authorised and regulated by the Financial Conduct Authority (firm reference number 190548). Registered Office: York House, 6 Coldharbour, Sherborne, Dorset, DT9 4JW. Registered in England No 03475556. In accordance with regulations, all electronic communications and telephone calls between Church House and its clients are recorded and stored for a minimum period of six months.

Services and Jurisdictions

This website should not be regarded as an offer or solicitation to conduct designated investment business, as defined by the UK Financial Services and Markets Act 2000, in any jurisdiction other than the United Kingdom and Member States of the European Community. Any material on this website has been prepared for persons in the United Kingdom and is not intended for distribution or use outside the United Kingdom. This material is not directed at you if Church House Investments ("Church House" or "We") is prohibited or restricted by any legislation or regulation in any jurisdiction from making it available to you and in particular is not for distribution in and is not directed at persons in the United States or Canada. You should satisfy yourself before reading it that Church House is permitted to provide material concerning investments to you under relevant legislation and regulations. We accept no responsibility whatever for any failure by a person resident outside the United Kingdom to observe the foregoing.

You understand that while you may be able to access certain reports through this website, the availability of such information does not constitute a recommendation to buy, sell or otherwise trade all or any of the investments mentioned therein. We accept no fiduciary duties to the reader of such material and in communicating such research material is not acting in a fiduciary capacity. Neither Church House nor any of its directors, officers, employees or agents shall have any liability, howsoever arising, for any error or incompleteness of fact or opinion in it or lack of care in its preparation or publication, provided that this shall not exclude liability to the extent that this is impermissible under the law relating to financial services. You are recommended to seek independent advice concerning suitability from your investment advisor. The value of investments and the income arising from them may go down as well as up and you may not recoup your original investment. Past performance is not an indication of future performance. You agree not to hold Church House and/or any of its respective officers, employees, agents or affiliates liable for any investment decisions made by you arising from the use of this website or its content.

Reliance and Use of Information

Nothing in the commentary and other materials posted on our site is intended to constitute investment advice. We disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of its contents. Investment information on our website may not be suitable for all investors. If you are unclear about any of the information contained on our website, please contact an independent financial adviser before making any investment or financial decision.

No part of the website content may without the prior written permission of Church House be permanently stored, reproduced or copied in any form or by means other than for the user's legitimate, legal and reasonable internal business or personal purposes, provided that the user does not modify the paper or electronic copy and maintains all of the Church House notices (such as all legal notices and disclaimers, copyright notices, trade mark legends, or other proprietary rights). Distribution, reselling or reproduction of the website content is strictly prohibited. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the website content, in whole or in part.

We provide this website for your information only and without warranties or other assurances of any kind. We reserve the right to withdraw or amend the website without notice. Other than disclosures relating to Church House, the information on this website is based on current public information that it considers reliable. We endeavour to correct any errors or omissions within our control as soon as we become aware of them, but we do not guarantee that the website will be accurate, error free or uninterrupted and the website should not be relied on as such. Church House will not be liable for the consequences of any event beyond its reasonable control (including the electronic transmission of data, content, material and information over the internet and the interception or decryption of it by others) or for any damages resulting therefrom.

This notice and any dispute or claim arising out of or in connection with it shall be governed by and construed in accordance with the laws of England. If any provision shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.


Church House shall have no liability for any data transmission errors such as data loss, damage or alteration of any kind including, but not limited to, any direct, indirect or consequential damage arising out of the use of services provided or referred to in this website.

The value of investments and the income from them can fall as well as rise and you may not get back the amount originally invested. Changes in the rate of exchange between currencies may cause the value of an investment to go up or down.

Interest rate fluctuations are likely to affect the capital value of investments within bond funds. When long term interest rates rise the capital value of units is likely to fall and vice versa. The effect will be more apparent on funds that invest significantly in long dated securities. The value of capital and income will fluctuate as interest rates and credit ratings of the issuing companies change.

Tax levels and reliefs are those currently applicable and may change and the value of any tax advantage will depend on individual circumstances. You are recommended to seek independent advice regarding your tax affairs from an appropriate adviser. Investing in emerging markets or small companies may be potentially volatile, as these investments are high risk.

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Copyright and Trade Marks

No part of the website content may without the prior written permission of Church House be permanently stored, reproduced or copied in any form or by means other than for the user's legitimate, legal and reasonable internal business or personal purposes, provided that the user does not modify the paper or electronic copy and maintains all of the Church House notices (such as all legal notices and disclaimers, copyright notices, trade mark legends, or other proprietary rights). The design, text and images are owned, except as expressly stated by Church House. They may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored or otherwise used in whole or in part or in any manner without the written consent of Church House except to the extent permitted and under the procedures specified in the copyright Designs and Patents Act 1988, as amended and then only with notices of Church House’s rights. All rights are reserved. The materials on this web site may be retrieved and downloaded solely for personal use. No materials may otherwise be copied, modified, published, broadcast or otherwise distributed without our prior written permission.

Accuracy and Availability

Church House Investments limited makes no warranties or representations of any kind concerning the accuracy or suitability of the information contained on this web site for any purpose. All such information is provided "as is" and with specific disclaimer of any warranties of merchantability, fitness for purpose, title and/or non-infringement. We make no warranties or representations of any kind that the services provided by this web site will be uninterrupted , error-free or that the web site or the server that hosts the web site are free from viruses or other forms of harmful computer code. In no event shall we be liable for any direct, indirect or consequential damages resulting from the use of this web site. This exclusion and limitation only applies to the extent permitted by law and is without prejudice to any express provisions to the contrary in any written agreement from Church House Investments Limited in respect of the use of any online service provided via this web site. We do not exclude or restrict any liability that we may have under the Financial Services and Markets Act 2000.


Links to other web sites are provided in good faith and for information only. We disclaim any responsibility for the materials published by third parties or contained in any website linked to this site.