Terms.

Everything published here — articles, podcast episodes, book extracts, event notes and reference materials — reflects Katerina Hayes's personal views. It is provided for information only. It is not investment, legal, tax or professional advice, and nothing on this site is an offer to sell, or a solicitation of an offer to buy, any security or interest in any fund.

Decisions you make on the strength of anything you read here are yours. Seek regulated professional advice before acting.

Copy, images, audio, video and brand marks on this site belong to Katerina Hayes or her licensors. You may share links freely and quote short extracts with attribution. No wholesale reproduction, republication, or use for training AI systems without written permission.

Do not attempt to disrupt the site, scrape it at industrial scale, or submit false information through the forms. Do not use the site to send unsolicited communications.

The site links to external ventures and publications. We are not responsible for content or practices on sites we do not control.

To the fullest extent permitted by law, we exclude liability for any loss arising from your use of, or reliance on, the site. Nothing here limits liability that cannot be limited under UK law.

These terms are governed by the laws of Scotland. Any dispute is subject to the exclusive jurisdiction of the Scottish courts.