Terms / Disclaimer

By accessing any part of this site you will be deemed to have accepted these Terms and Conditions in full.

APH reserves the right to alter or amend these Terms and Conditions at any time and users are responsible for ensuring they are aware of such alterations and amendments.

APH reserves the right to alter or withdraw in part or whole any service on the site at its absolute discretion without being liable for loss or damage however caused.

If users become aware of any defects in the site or any information shown they should give notification immediately as follows:

Email : support@APH.org.uk

APH are not acting as an introducer or advisor in respect of contracts of insurance. We are merely a conduit for insurance providers that are regulated by the Financial Services Authority.

APH does its best to ensure the quality of the data and information or other content shown but absolute accuracy cannot be guaranteed and APH makes no representations in respect thereof and accepts no liability for any loss or damage caused by inaccurate, out of date or incomplete data or information. The data and information or other content shown does not constitute any form of advice or recommendation and should be checked with the provider or other supplier in question before making or not making any decision. The information is directed at persons in the United Kingdom and is not to be regarded as an offer to buy or sell, or a solicitation for any product or service shown on the site. The content is designed to provide you with information to help make an informed decision and does not constitute an incitement, invitation, advice or personal recommendation. Readers who are not financial professionals should seek expert advice.

APH accepts no liability for any indirect or consequential loss or damage or for any loss of data profit revenue or business (whether direct or indirect however caused even if foreseeable).

Disclaimer of third party websites

Where APH does not cover a particular area there are links with third party providers. APH has endeavoured to find reliable and reputable providers to ensure that users obtain the best possible service. However APH does not control these services and makes no representation as to the accuracy completeness timeliness or suitability of any information or products and shall not be held responsible or liable thereof. Users should give notification immediately if they have any complaints in respect of any of these providers.

Hypertext links to third party websites exist on the site that if activated result in users leaving the site and entering a third party site. APH does not control these third party sites and makes no representation as to the accuracy completeness timeliness or suitability of any information or product thereon and shall not be held in any way liable or responsible thereof. Users should give notification immediately if they have any complaints in respect of any of these sites.

The presence of any advertisement on this site is not an endorsement or recommendation by APH of the products and services highlighted and it shall not be held responsible in anyway liable or responsible thereof.

This site is merely intended to give background information about a given type of financial product, and that no specific products are being recommended, and that nothing on the website should be taken as financial advice.

APH are not experts in any financial field. The site is merely a bridge to other companies in the related areas and all articles on the site are not professionally written.

APH are not regulated by the FSA and make no recommendations for any type of insurance, credit or other financial products.

If you are unsure whether any particular financial product is suitable for you then please take independent financial advice.