These Terms and Conditions govern your use of the VR Financial website. By accessing or using our website, you agree to be bound by these terms.

If you do not agree with these terms, please do not use our website.

VR Financial provides financial services and information. The content on this website is for general information purposes only and does not constitute financial advice unless explicitly stated.

You agree to use our website lawfully and not to:

• Use the website in any way that breaches applicable laws or regulations

• Attempt to gain unauthorised access to the website or its systems

• Introduce viruses or malicious material

• Use the website for fraudulent purposes

We reserve the right to suspend or restrict access if these terms are breached.

The content on this website is provided for general information only. While we make reasonable efforts to keep information accurate and up to date, we make no guarantees.

You should not rely on website content as a substitute for professional financial advice tailored to your circumstances.

Any financial services provided by VR Financial are subject to separate agreements and regulatory requirements where applicable.

Nothing on this website constitutes regulated financial advice unless provided through a formal client relationship.

All content on this website, including text, logos, graphics, and design, is the property of VR Financial or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, or distribute any content without prior written consent.

To the fullest extent permitted by law, VR Financial shall not be liable for any loss or damage arising from:

• Use of, or inability to use, this website

• Reliance on any information provided on the website

• Viruses or technical issues beyond our control

Nothing in these terms excludes liability for death or personal injury caused by negligence or any liability that cannot be excluded under UK law.

Our website may contain links to external websites. We are not responsible for the content, accuracy, or practices of these third-party sites.

Your use of our website is also governed by our Privacy Policy and Cookie Policy.

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated effective date.

These Terms and Conditions are governed by the laws of England and Wales.

Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact Us

If you have any questions about these Terms and Conditions, please contact:

VR Financial, Sohan House, Snailwell Road, Newmarket, CB8 7DN.

info@vrfs.uk

0330 088 8970