In common with all other good web sites, ianb.org feels it has to have a ridiculous but vital disclaimer, incorporating the best of the worst (or is that worst of the best) of this type of nonsense. My thanks to the corporate lawyers and marketing morons^H^H^H^H^H^H executives who churn out this bullshit. 

DISCLAIMER
All clauses of this disclaimer apply to the disclaimer itself, except for this first sentence. All other disclaimers that may be found on this site, or sites linked to herein, are obviously subsets of this disclaimer, invalid or illegal. Void where prohibited by law. This product may contain nuts. I am not a lawyer and this is not legal advice. For reliable advice, please consult with a professional attorney. The value of investments, and the income from them, can go down as well as up, and you may not get back the amount of your original investment. No information on this website should be taken as a personal recommendation. Credit is only available to persons 18 or over and is subject to status and conditions. Written quotations are available on request. Cash based ISAs are not accepted as security for a mortgage. The levels and bases of taxation can change, and the value of tax reliefs depend on your individual circumstances. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. The favorable tax treatment for ISAs may not be maintained (although it has been guaranteed for ten years by the government). The value of any tax relief depends on your own personal circumstances. If you are unsure about your tax position you should consider obtaining professional advice before investing. No representation or warranty, express or implied, with respect to the completeness, accuracy, fitness for a particular purpose, or utility of these materials or any information or opinion contained herein. This product not to be construed as an endorsement of any product or company, nor as the adoption or promulgation of any guidelines, standards or recommendations. This supersedes all previous disclaimers. DO NOT DELETE THIS LINE. No part of this message is intended to form any part of any contract. The views expressed in this message are not necessarily the views of my employer, and the company, its directors, officers or employees make no representation or accept any liability for its accuracy or completeness, unless expressly stated to the contrary. This message is not intended to be relied upon without subsequent written confirmation of its contents. ianb.org shall not accept any liability of any kind which may arise from any person acting upon the contents of this message without having had written confirmation. This document originates from the Internet, and therefore may not be from the alleged source. If you have any doubts about the origin or content of this document please contact me. We have an anti-virus system installed on all our PCs and therefore any files leaving us via email will have been checked for known viruses, but are not guaranteed to be virus free. We accept no responsibility once an email transmission and any attachments have left us. The information in this document and any attached files is strictly private and confidential and may also be privileged. It is intended solely for and should be read only by the individual(s) or organisation(s) to whom or which it is addressed. If you are not the intended recipient, or a person responsible for delivering it to the intended recipient, notify the sender by return, delete the message, and destroy all copies of the email and associated files in your possession; you are not authorized to and must not disclose, copy, distribute, or retain this message or any part of it. It may contain information that is confidential and/or covered by legal professional or other privilege (or other rules or laws with similar effect in jurisdictions outside England and Wales). 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As a condition of your use of the ianb.org web site, you promise that you will not use the ianb.org web site for any purpose that is unlawful or prohibited by these terms and conditions. This is not a toy. Batteries not included. The Surgeon-General advises against doing anything that may cause you harm. You must be over eighteen years of age to continue (twenty-one in Alabama, Mississippi, Louisiana and Texas). Postage paid New York New York. Export to Afghanistan, Cuba, Iran, Iraq, Belgium(*) and other countries we don't like is strictly prohibited (* only the French-speaking area). Errors and omissions excepted. All rights reserved. The author asserts his moral rights. All trademarks acknowledged.