Please read this Disclaimer carefully, as it sets out the legally binding terms upon which you access this website and the information contained on it.

DamienFogg.com is a trading style of Oak Capital Limited, a company incorporated in England and Wales with Companies House registration number 07796872. We provide "educational financial services", rather than regulated financial advice. We are not subject to oversight by the Financial Conduct Authority (FCA), nor do we hold FCA registration.

The purpose of this website is not to offer investment advice. Instead, it is a record of Damien Fogg’s investment portfolios and the trades which sustain them. As such, the content of this website is provided for your general information only, and is not intended to address your particular requirements. The contents of this website should not be seen as or relied upon by users as a personal recommendation or advice to buy or sell, or to take or refrain from taking any other action in respect of any investment and the content of this website should not be treated as constituting an endorsement of any investment or as investment, personal or financial advice.

Readers should understand that neither Damien Fogg nor Oak Capital Ltd is authorised to offer investment advice. They are not authorised or regulated by the Financial Conduct Authority and neither they nor this website provides financial advice. Any use of any information on this website by readers is entirely at their own risk.

Readers should instead obtain appropriate independent financial advice from a qualified financial adviser before investing. They should also, where possible, undertake or commission their own research, and determine the suitability of such investments when considering their own financial circumstances.

Readers should be aware that investing in equities, bonds, property, commodities, cryptocurrencies, etc. involves risk as values rise and fall. Significant losses can be incurred if prices plummet. The past performance of the website’s portfolios is no guarantee of future returns.

Accordingly, neither Damien Fogg nor Oak Capital Ltd will accept any liability for any loss sustained by anyone who has relied on information provided by this website or any other content linked to/from this website. In addition, Damien Fogg and Oak Capital Ltd take every care to ensure that its content is accurate but cannot guarantee this. It shall be your own responsibility to ensure that any products, services or information mentioned by this website meet your specific requirements.

Our educational financial services are designed to enhance your financial literacy and decision-making capabilities, aligning with the Financial Conduct Authority (FCA) Handbook PERG 8.26.2 and Section 22 of the Financial Services and Markets Act 2000. These provisions clarify that our type of educational financial services does not necessitate FCA regulation, as they are not linked to the distribution of FCA-regulated products.

We operate within the framework of UK general consumer laws, including the Consumer Protection from Unfair Trading Regulations 2008 and the Consumer Protection (Amendment) Regulations 2014, with oversight from the Competition and Markets Authority. This legal framework ensures that our clients enjoy protections, including a private right of action, which might not be available to clients of firms regulated by the FCA.

For those seeking regulated financial advice, it is advisable to consult with an FCA-regulated financial advice firm. Should you require further clarification on our services or wish to understand how consumer protection regulations apply to you as a client of Oak Capital Limited or any of its trading names, please contact us directly.

This Disclaimer is governed by English law.