Disclaimer

1. Who operates this website

This website is operated by Scott McCulloch, trading as McCulloch Regulatory Compliance (“McCulloch Regulatory Compliance”, “we”, “us”). McCulloch Regulatory Compliance is a sole trader established in the United Kingdom. Correspondence may be sent to the address shown on our contact page.

Where services are provided by an affiliated entity established in the European Union, that entity is identified in the relevant engagement agreement.

2. Information only

The information on this website is provided for general informational purposes only. McCulloch Regulatory Compliance provides regulatory compliance advisory services. It is not a law firm and does not practise law. Nothing on this website constitutes legal advice, regulatory advice, or advice of any other kind, and none of it should be relied upon as a substitute for advice from a qualified lawyer or professional adviser addressing your particular circumstances.

Where we use terms such as “legal representative”, “EU representative” or “authorised representative”, these are names given by legislation to specific statutory roles. Our use of them does not indicate that we practise law or provide legal services in any jurisdiction.

3. No professional relationship, and no privilege

Your use of this website, and any communication with us through it, does not create a professional, advisory, or contractual relationship. Such a relationship is formed only under a signed engagement agreement.

Communications with McCulloch Regulatory Compliance are not protected by legal professional privilege, attorney-client privilege, or any equivalent protection, and may be disclosable in litigation, regulatory proceedings or investigations. Where privilege matters to you, instruct a qualified lawyer, who may in turn instruct us.

4. Unsolicited information

Please do not send us confidential or commercially sensitive information before an engagement agreement is in place. Information sent to us before that point is not treated as confidential, creates no obligation on our part, and does not preclude us from acting for any other party.

5. Currency of content

Regulatory requirements, official guidance and published interpretations change frequently. Content on this website reflects our understanding at the date of publication or last update shown, may refer to specific versions of documents that have since been superseded, and is not maintained continuously. We are under no obligation to update it.

6. Jurisdiction and scope

This website is intended for a general international audience and does not take account of the laws of any particular jurisdiction. It is not directed at any person in any jurisdiction where its publication or availability would be unlawful, and nothing on it constitutes an offer or solicitation to provide services in any jurisdiction where we are not permitted to do so.

7. Use of artificial intelligence

We use artificial intelligence tools in parts of our work, including data analysis and literature research. All content published on this website is subject to human review before publication, and McCulloch Regulatory Compliance holds editorial responsibility for it.

We do not operate an automated chat or conversational agent on this website. If that changes, we will make clear at the point of interaction that you are interacting with an AI system.

Where an automated system, including an artificial intelligence model, web crawler, or similar tool, extracts, reproduces, summarises, or otherwise reuses content from this website, and that content is subsequently published or cited as a source in any form, McCulloch Regulatory Compliance does not warrant that the content is accurate, complete, current, or presented in its original context, and accepts no responsibility or liability for any use made of it. The disclaimers and limitations set out elsewhere in this document apply equally to any such reuse.

8. Third-party content and links

This website links to legislation, regulator guidance and other third-party sources. We do not control that content, are not responsible for its accuracy or availability, and a link does not constitute endorsement.

9. No warranty

While we aim to keep the information accurate and current, we make no representations or warranties of any kind, express or implied, as to the completeness, accuracy, reliability or timeliness of the content. Any reliance you place on this information is strictly at your own risk.

10. Limitation of liability

To the fullest extent permitted by law, McCulloch Regulatory Compliance disclaims all liability for any loss or damage arising from your use of, or reliance on, this website or its content.

Nothing in this disclaimer excludes or limits our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.

11. Relationship to our other terms

This disclaimer forms part of, and is subject to, our Terms of Use. Where there is any inconsistency between them, the Terms of Use prevail. Our Privacy Policy governs how we handle personal data.

12. Governing law

This disclaimer is governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction in respect of it.