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<h4><strong>Terms of use</strong></h4>

<p>The content of this website is communicated by, and the property of, Renaissance Wealth Management (UK) Limited (<b>RWM UK</b>). RWM UK is authorised and regulated by the Financial Conduct Authority (<b>FCA</b>). </p>

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<h4><strong>Products and Services </strong></h4>

<p>The information contained herein is current at the date of publication but is subject to change without notice. RWM UK has expressed its own views and opinions on this website, and these may change without notice. This website is not directed at you if RWM UK is prohibited by any law of any jurisdiction from making the information on this site available to you and is not intended for any use that would be contrary to local law or regulation. None of the information contained on this website is intended to constitute any offer to sell or an invitation or solicitation of an offer to buy any product or service by RWM UK and must not be relied upon in connection with any investment decision. Products or services mentioned on this site are subject to legal and regulatory requirements in applicable jurisdictions and may not be available in all jurisdictions. Accordingly, persons are required to inform themselves of, and observe, any such restrictions. Nothing on this website should be construed as investment, tax, legal or other advice.</p>

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<h4><strong>Risk Warning</strong></h4>

<p>Past performance is not necessarily a guide to future performance. The value of investments and the income of any financial instruments mentioned on the website may fall as well as rise, and investors may get back less than the amount originally invested. Fluctuations in exchange rates may have a positive or an adverse effect on the value of foreign-currency denominated securities and financial instruments. Certain investments involve an above-average degree of risk and should be seen as long-term in nature. The investment products and services described in the website may have tax consequences. Any tax reliefs referred to are those currently available and their value depends on the circumstances of the individual investor. You acknowledge that levels and bases of taxation may change, and that RWM does not provide general tax advice. </p>
<p>You should consult your own tax advisor in order to understand the tax consequences of the products and services described on the website.</p>

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<h4><strong>Copyright</strong></h4>

<p>The copyright and all other rights in and to the material on this website are owned by RWM UK, or the material is included with the permission of the rights owner. The information contained on this website is intended solely for the use of the person who has accessed this information and may not be reproduced, distributed, or published to any other person. You may copy material on this website for your own private or domestic use only. All other copying is prohibited.</p>

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<h4><strong>Links to other websites</strong></h4>

<p>On this website you may be offered automatic links to other non-RWM UK websites. These links are provided for convenience only. RWM UK does not accept any responsibility for the content of those websites, or your use, or inability to use, such websites, the owners of which do not necessarily have any link, commercial or otherwise, with RWM UK. The inclusion of a link does not imply affiliation, sponsorship, endorsement, verification, monitoring, or approval by RWM UK of any information contained on any non-RWM UK website. You should also be aware that the terms and conditions of such a website and the website’s statement relating to the collection and use of your personal information may be different from those applicable to your use of this website.</p>

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<h4><strong>Disclaimer</strong></h4>

<p>It is the responsibility of the individual user to consider his or her legal and regulatory position in the relevant jurisdiction, the risks associated with trading any products featured on this website, and to ensure that the use of the content and the subsequent making of any investment do not contravene any such restrictions or applicable laws and regulations of any jurisdiction. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific security, index, report, opinion, advice, or other content. This does not exclude or restrict any duty or liability that RWM UK has to its clients under the Financial Services and Markets Act 2000 (as amended from time to time) or any other regulatory system under the laws of applicable jurisdictions.</p>

<p>RWM UK, its subsidiaries, associated entities, directors, employees, representatives, or suppliers will not be liable, on any grounds whatsoever, contractually or not, for any direct or indirect damage that may arise as the result of it being possible or impossible to gain access to this site, the accessing, visiting or use of this site and/or the information provided, the sending or receiving of information via this site, and/or the operation or non-operation of this site, except in the event of intentional or serious blame on its part. The information contained on this site, including any third-party data is published in good faith and RWM UK believes that the information is accurate at the time of publication but no representation or warranty, express or implied, is made by RWM UK as to its accuracy or completeness and it should not be relied on as such.</p>

<p>RWM UK shall therefore have no liability, save for any liability that RWM UK may have under the UK Financial Services and Markets Act 2000, for any loss or damage arising out of the use or reliance on the information provided including without limitation, any loss of profit, or any other damage, direct or consequential. RWM UK, its subsidiaries, associated entities, directors, employees, representatives or suppliers will not, under any circumstances, be liable for any corruption of data that may occur as the result of technical problems (e.g. transmission errors, technical failures, breakdowns, intervention of third parties, etc.) and/or for any damage or loss relating to software or hardware that is the result of any virus, defect or malfunction in relation to access or use of the site.</p>

<p><b> By accessing this site, you certify that you are not a US person. Renaissance Wealth Management (UK) Limited is not registered as an investment advisor with the SEC and therefore this website is neither directed at, nor intended, for US investors.</b></p>

<p style=”text-align: right;”>9 February 2024</p>