Effective date: 24 May 2026
1. Nature of the publication
1.1 Psyentific is a personal publication, published at www.psyentific.co.uk by Kiryl Oliveira in a personal capacity. It is not a company, a partnership, or any other form of legal entity.
1.2 The author is not authorised or regulated by the Financial Conduct Authority, the Prudential Regulation Authority, or any other regulatory body, and is not acting in the capacity of an authorised person within the meaning of the Financial Services and Markets Act 2000.
1.3 Psyentific is published independently. It is not issued by, on behalf of, or in the name of any employer, client, network, professional body, regulated firm, product provider or other organisation, whether current or former.
2. Not financial advice
2.1 The content published on the Site, including all posts, essays, commentary, examples, frameworks, references to research, and any other material (the 'Content'), is provided for general information, education and discussion only.
2.2 The Content does not constitute, and must not be relied upon as:
(a) a personal recommendation;
(b) financial, investment, tax, accounting, legal, regulatory or compliance advice;
(c) a solicitation, offer or invitation to buy, sell or hold any financial product, security or service;
(d) a recommendation in relation to any product provider, platform, fund, firm or individual;
(e) research within the meaning of the Markets in Financial Instruments Directive or any equivalent UK regime; or
(f) guidance on the application of any specific regulatory regime, including the FCA's Consumer Duty, to any specific firm or set of circumstances.
2.3 Readers requiring advice on any matter discussed should consult an appropriately authorised professional who can take account of their particular circumstances.
3. Audience and Consumer Duty
3.1 The Content is written principally for professional readers working within UK financial services, including financial advisers, planners, paraplanners, compliance professionals and business owners. It is not directed at retail consumers within the meaning of the FCA Handbook.
3.2 Where the Content discusses the FCA's Consumer Duty or related regulatory matters, it does so by way of commentary only. It is the responsibility of each regulated reader to determine how, whether and to what extent any idea discussed in the Content may be applied within their own regulatory permissions, compliance framework and obligations to clients. Nothing in the Content removes, reduces or modifies any such obligation.
4. References to third parties
4.1 References to organisations, regulators, firms, products, individuals or public figures in the Content are made for the purposes of comment, analysis, criticism, review or illustration, in accordance with the fair dealing provisions of the Copyright, Designs and Patents Act 1988.
4.2 Such references do not represent the views of those parties and do not imply endorsement, affiliation, sponsorship or any commercial relationship, in either direction, unless that relationship is expressly disclosed in the relevant piece.
4.3 Where examples or case studies appear in the Content, they are drawn from publicly available information, generalised from common industry patterns, or anonymised. Any resemblance to a specific firm or individual not expressly named is coincidental.
5. No promotional content
5.1 The Site is not used to promote any product, service, firm or commercial offering, whether of the author or of any third party, unless such promotion is expressly identified within the relevant piece.
5.2 Where any future content is sponsored, paid for, or produced in commercial partnership with a third party, that fact will be clearly and prominently disclosed in the relevant piece in accordance with applicable advertising standards, including the CAP Code.
6. Accuracy and currency
6.1 Reasonable care is taken in preparing the Content, but no representation or warranty, express or implied, is given as to its accuracy, completeness, currency or fitness for any particular purpose.
6.2 The Content reflects the views of the author at the time of writing. Markets, regulation, evidence and the author's views change. Older Content is not updated to reflect later developments unless expressly stated.
6.3 If you believe that any Content contains a material inaccuracy, a misleading impression, or a misrepresentation of any individual or organisation, please contact the author at the address in clause 9. Concerns are taken seriously and will be reviewed promptly. Where, on review, the author considers that a correction, clarification or removal is warranted, it will be made within a reasonable period and, where appropriate, noted on the relevant piece.
7. Use of artificial intelligence
7.1 Artificial intelligence tools may from time to time be used to assist with research, drafting, editing or production. All Content is reviewed by the author prior to publication, and the author takes editorial responsibility for it.
8. Limitation of liability
8.1 To the fullest extent permitted by law, the author accepts no liability for any loss, damage, cost or expense, whether direct, indirect or consequential, arising from any reliance placed on the Content or from any use of the Site. Use of the Site is at the reader's own risk.
8.2 This clause is subject to the limitations and exclusions set out in the Terms of Use, and to those liabilities which cannot be excluded or limited by law.
9. Contact
9.1 Questions about this disclaimer, including any concern that a piece of Content may have created a misleading impression, should be sent to contact@psyentific.co.uk