Last updated: 1 September 2026. These terms are governed by the laws of England and Wales.
1. About these terms
These Terms and Conditions ("Terms") govern your access to and use of the website dailymoneyreport.online (the "Website") and any consulting, analysis or reporting services (the "Services") supplied by Daily Money Report Ltd, a company registered in England and Wales under company number 10294871, whose registered office is at 4th Floor, Kingsgate House, 114–118 Southwark Street, London SE1 0SW, United Kingdom ("we", "us", "our"). By using the Website or engaging our Services you confirm that you accept these Terms and that you agree to comply with them. If you do not agree, you must not use the Website.
2. Eligibility
The Website and Services are intended for individuals who are at least 18 years of age and resident in the United Kingdom for tax purposes. We do not direct the Website at, and do not accept engagements from, persons resident in jurisdictions where doing so would require registration, licensing or authorisation that we do not hold. If you are unsure whether we can act for you, please contact us before submitting any personal information.
3. Nature of our Services — important
We provide independent, fee-based financial consulting, portfolio analysis, cost analysis, structuring commentary and written reporting. Unless we have expressly confirmed otherwise to you in a signed engagement letter:
- we do not provide personal recommendations in relation to specific investments;
- we do not arrange, deal in, manage or hold client investments or client money;
- we do not provide tax, accountancy or legal advice, and you should consult a qualified accountant or solicitor for such matters;
- all information on the Website is general in nature and provided for information purposes only.
Where the services you require constitute regulated activity under the Financial Services and Markets Act 2000, we will tell you and, with your consent, refer you to a firm authorised and regulated by the Financial Conduct Authority. Any such referral is made without any payment, commission or benefit flowing to us in any direction.
4. Engagement, fees and payment
The initial consultation is provided free of charge and creates no contractual obligation on either party. Any subsequent work is governed by a written engagement letter stating the scope, deliverables, timetable and a fixed fee or retainer. Fees are quoted in pounds sterling and are exclusive of VAT, which will be added at the prevailing rate where applicable. Unless stated otherwise in the engagement letter, invoices are payable within 14 days of issue. We reserve the right to charge statutory interest on overdue sums in accordance with the Late Payment of Commercial Debts (Interest) Act 1998 where the engagement is with a business client.
5. Your obligations
Our analysis depends entirely on the accuracy and completeness of the information you give us. You agree to provide complete, accurate and current information about your holdings, wrappers, liabilities, objectives and circumstances, and to inform us promptly of any material change during an engagement. We are not responsible for conclusions that are incorrect because material information was withheld, misstated or omitted.
6. Cancellation and consumer rights
Where you engage us as a consumer at a distance, you have the right to cancel within 14 calendar days of entering into the contract without giving a reason. If you ask us to begin work during that period, you remain liable for a proportionate charge reflecting the work performed up to the point of cancellation. To cancel, email [email protected] with your name and engagement reference.
7. Intellectual property
All content on the Website, including text, layout, graphics, charts, methodologies and report templates, is owned by or licensed to us and is protected by copyright and other intellectual property laws. On full payment of our fees you receive a perpetual, non-exclusive licence to use your own report for your personal financial purposes, including sharing it with your own professional advisers. You may not republish, resell, systematically extract or commercially exploit our materials without our prior written consent.
8. Limitation of liability
Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be limited. Subject to that, we shall not be liable for any investment loss, loss of profit, loss of anticipated savings, loss of opportunity, or any indirect or consequential loss arising from market movements or from decisions you take. Our total aggregate liability arising out of or in connection with any engagement shall not exceed three times the fees actually paid by you for that engagement, or £25,000, whichever is lower.
9. Complaints
If you are dissatisfied, please write to our Client Care team at the registered office address or email [email protected]. We will acknowledge your complaint within three working days and aim to provide a substantive response within 20 working days. Where the complaint concerns a regulated activity carried out by a referred firm, that firm's own complaints procedure and, where applicable, the Financial Ombudsman Service will apply.
10. Website availability
We aim to keep the Website available but do not guarantee uninterrupted access. We may suspend, withdraw or restrict all or part of the Website for business or operational reasons and will give reasonable notice where practicable.
11. Changes to these Terms
We may amend these Terms from time to time. The version published on the Website at the moment you use it is the version that applies. Material changes affecting an ongoing engagement will be notified to you in writing.
12. Governing law and jurisdiction
These Terms, their subject matter and their formation are governed by the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction, save that if you are a consumer resident in Scotland or Northern Ireland you may also bring proceedings in your local courts.
