Terms and conditions

Who we are

Opianylvivo publishes this site from 28 Gartcows Cres, Falkirk FK1 5QH, United Kingdom. Email [email protected]. Telephone +44 7911 002002.

The nature of the pages

The essays are general information about building more than one income in the United Kingdom. They are not financial advice, tax advice, legal advice, or a personal recommendation to do, buy, sell, or hold anything. They do not take account of your circumstances. You are responsible for decisions you make after reading.

We are not authorised by the Financial Conduct Authority. We do not arrange deals in investments, we do not manage money, and we are not an appointed representative of a firm that does. If you need regulated advice, use the FCA register to find someone who may give it.

Tax figures are dated. The tax notes say which year they refer to and tell you to confirm them on GOV.UK. A later Budget can make a sentence stale. That does not convert the sentence into a promise.

Using the site

You may read the pages and share links to them. You may not copy the essays onto another site and present them as your own, scrape them to train a product, or suggest that Opianylvivo endorses you.

Do not misuse the site: no attempts to break it, no unlawful material sent to the inbox, no impersonation of the desk. We may ignore messages that ask us to help with evasion, fraud, or harassment.

Intellectual property

The text, the layout, and the photographs on this site are owned by Opianylvivo or used with permission. The brand name Opianylvivo and the OV mark belong to the publisher. You may quote a short passage with a link and a credit. You may not take the photographs for your own commercial page.

Liability

The site is provided as published general reading. We take care with figures and we correct errors when we see them. We do not warrant that the site is complete, current, or fit for a particular decision.

Nothing on this site excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that the law of Scotland does not allow us to exclude.

Subject to that, we are not liable for loss of profit, loss of income, lost tax relief, or business interruption arising from use of the pages, whether in contract, delict, or otherwise. You should not rely on the site as the sole basis for a financial or tax decision.

External links

Links to GOV.UK and other sites are there so you can read the source. We do not control those sites and we are not responsible for their content or for a change after we linked.

Field notes

The field notes are composites. They are not testimonials, not customers, and not a representation that you will see a similar result. Any resemblance to a living person is unintended.

Law

These terms are governed by the law of Scotland. The courts of Scotland have jurisdiction, without removing any rights you have as a consumer to rely on mandatory protections where you live in the United Kingdom.

Changes

We may update these terms by publishing a new version on this page. The date at the top will change. Continuing to read the site after that date means you are reading under the new terms. If you do not agree, stop using the site.