Terms of reading
These terms cover your use of the Clarkianode website. They are deliberately plain. Using the site means you accept them. If you do not, please leave the pages.
The short version
Clarkianode publishes general commentary about UK interest rates and investments. We are not your adviser. We are not authorised by the Financial Conduct Authority to give investment advice or to arrange investments.
The notes can be wrong, late, or overtaken by a Budget, a court decision, or a Bank of England vote the same afternoon.
Governing law is England and Wales.
1. Not advice
Nothing on this website is personal financial advice, a personal recommendation, tax advice, or legal advice. It is not an offer or solicitation to buy or sell any investment, deposit, mortgage or insurance. You are responsible for your own decisions and for checking facts against primary sources and, where appropriate, a firm authorised to advise you.
2. No reliance
You must not rely on the site as the sole basis for an investment or borrowing decision. Hypothetical sketches use invented people and round numbers. Historical descriptions, including the 2021 to 2024 Bank Rate cycle and the autumn 2022 gilt market stress, are included as context. They are not a prediction.
The rest of the terms
3. Who we are. Clarkianode, 9 Livingstone Rd, Teignmouth TQ14 8NL, United Kingdom. Email [email protected]. Telephone +44 7501 529165.
4. Accuracy. We take care with sources. We do not warrant that the site is complete, current, or free of error. Tax allowances, ISA limits, mortgage products and Bank Rate change. A page may not have been revised on the day a rule changed. If you spot an error, write to us and we will correct the public record when the point is confirmed.
5. Liability. To the extent the law allows, we exclude liability for loss of profit, loss of savings, loss of investment value, or any indirect loss arising from use of the site. We do not exclude liability for death or personal injury caused by negligence, or for fraud, or for any other liability that English law does not allow us to exclude. Because the site is free general information, you use the detail at your own judgment.
6. Intellectual property. The text, layout and original photographs on this site belong to Clarkianode unless a caption says otherwise. You may quote a short passage with a link to the page. You may not copy whole notes onto another site, sell them, or present them as your advice to a client. Trademarks of the Bank of England, lenders, exchanges and data vendors remain theirs. Mention of an institution is not an association.
7. Acceptable use. Do not attempt to disrupt the site, probe it for vulnerabilities beyond what is needed to read the pages, or scrape it in a way that degrades the service for other readers. Do not send us unlawful material, or material that includes someone else's confidential account data.
8. Third parties. Links to the Bank of England, the Debt Management Office, HMRC or the Information Commissioner's Office are for convenience. Their sites have their own terms. Fonts and the icon library load from third-party networks described in the privacy policy.
9. Changes. We may update these terms by posting a new version on this page. The version you are reading is dated October 2026. Continued use after a change means you accept the new version.
10. Law and courts. These terms are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, without limiting any mandatory right you have as a consumer to bring a claim in your home courts where the law gives you that right.
A question about these terms
Telephone +44 7501 529165 or email [email protected]. Asking about the terms is not the start of an advisory relationship.