Terms & Conditions:

These terms and conditions apply to your use of this Website (the "Website"). Please read these terms and conditions carefully. By using this Website you are deemed to accept the following terms and conditions. If you do not agree to any of these terms and conditions please do not use this Website. We reserve the right to modify these terms and conditions at any time. The terms "Founding Partner" and "Partner" are used on this Website as the title applied internally within UTG Capital to certain senior professionals who are treated within UTG Capital as partners. Notwithstanding the use of the title "Partner", none of UTG Capital, its associated companies or any of its or their officers or employees are carrying on any business as a partner or in partnership.

Copyright:

The content of this Website is subject to copyright with all rights reserved. You may download or print out a hard copy of individual pages and/or sections of this Website provided you do not remove any copyright or other proprietary notices. Any downloading or other copying from this Website will not transfer title to any software or material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose this Website without our prior written permission. Any unauthorised reproduction or use of the Website or the information presented therein, may be the subject of prosecution, particularly for infringement of copyright. Any rights not expressly granted in these terms are reserved.

No offer:

The Website is for information purposes only. Nothing in this Website should be construed as an offer, invitation or general solicitation to buy or sell any investments or securities, provide investment advisory services or to engage in any other transaction.

Permitted Users of the Website:

This Website is not directed at any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this Website is prohibited. Persons in respect of whom such prohibitions apply must not access the relevant pages on this Website. However, the laws and regulations of the country from which you access this site may include restrictions on the diffusion of information contained in the Website; it is your responsibility to ensure that your use complies with any restrictions or any applicable local laws regarding use of the information on this Website.

Data Protection:

In relation to any personal data that you may provide to us in connection with your use of this Website, UTG Capital is committed to following policies which protect the privacy of such personal data and which comply with current data protection laws and regulations in respect of use of such personal data. We will only obtain personal data from you for the purposes of communicating with you on any issues or questions which you raise under the section "Contact us". Please do not send us any confidential or proprietary material as we do not undertake any obligations of non-disclosure or non-use of material sent to us. To safeguard the confidentiality of your personal data and information contained in this Website, UTG Capital implements security measures in line with industry standard practices. Our web servers are housed behind a secure firewall that prevents access to our databases from unauthorised users. All of our servers are housed in a secure environment that is protected by physical security, with limited access to authorised staff only. We may also use aggregate information and statistics for the purposes of monitoring Website usage in order to help us develop this Website and our services. These statistics will not include information that can be used to identify any individual. We will not disclose any personal data to third parties, except where you have given your consent or where we have a legal obligation to do so. By submitting your personal data you consent to the use of that information as set out in these terms and conditions. If we change these terms and conditions we will post the changes on this Website so that you may be aware of the information we collect and how we use it at all times.

Accuracy of Content:

While we use reasonable efforts to obtain information from sources which we believe to be reliable and to ensure that the information in this Website is up to date and accurate, UTG Capital makes no representation or warranty that the information or opinions contained in this Website is accurate, reliable or complete. The information and opinions contained in this Website are provided by UTG Capital for personal use and information purposes only. You are solely liable for any use you may make of this information. The information is inherently subject to change without notice and may become outdated. You, therefore, should verify any information obtained from this Website before you use it.

Viruses:

We do not guarantee that material on this Website will be free from infection, viruses or worms or other code which may have contaminating or destructive properties. You are fully responsible for ensuring protective steps are taken such as virus checking.

Investment Performance Information:

Information regarding the past performance of an investment is not necessarily indicative of the future performance of that investment. The value of investments may fall or rise.

No Advice:

You should not rely on any information or opinions contained in this Website in making an investment or other decision but should obtain relevant and specific professional advice. Nothing contained on this Website constitutes or should be construed to constitute investment, legal, tax or other advice.

No Representation or Warranty:

No representation, warranty or guarantee of any kind, express or implied is given by UTG Capital in respect of any information or opinions contained on this Website.

Exclusion of Liability

To the fullest extent allowed by law, UTG Capital shall not be liable for any direct or indirect losses, damages, costs or expenses incurred or suffered by you arising out of or in connection with the access to, use of or linking to other sites from this Website or reliance on any information contained on this Website. In no circumstance shall UTG Capital have any liability for consequential or special damages. Nothing in these terms and conditions shall limit our liability for death or personal injury resulting from any negligence of UTG Capital or its employees or agents or any liability under the Financial Services Act 1986, the Financial Services and Markets Act 2000 and any rules and regulations for the conduct of business made under those Acts to which we are subject.

External Sites:

This Website may contain links to other websites (the "Linked Sites"). The Linked Sites are for your convenience only and you access them at your own risk. We are not responsible for the content of the Linked Sites. We do not in any way endorse the Linked Sites.

Security:

You should be aware that the Internet, being an open network, is not secure. If you choose to send any electronic communications to us by means of this Website, you do so at your own risk. We cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipient safely.

Governing Law:

These terms and conditions, and all matters connected with them, are governed by the laws of England and Wales and shall be subject to the exclusive jurisdiction of the English courts. If you access this site from outside the UK you are responsible for ensuring compliance with any local laws relating to access.