Last updated: 20 August 2026
1. About these terms
These terms apply to your use of locationvaluecovenants.org.uk.
The website is operated by the Systemic Fiscal Reform Group under the name Location Value Covenants. By using the website, you agree to these terms. If you do not agree with them, you should stop using the website.
Questions concerning these terms may be sent to:
robinsmith3@gmail.com
2. Purpose of the website
The website publishes research, proposals and explanatory material concerning Location Value Covenants and related public-policy applications.
Its purpose is to contribute to public and political discussion. Publication of a proposal does not mean that it has been adopted by a government, political party, financial institution or regulatory authority.
3. No professional advice
The material on this website is general policy analysis. It does not constitute:
- Financial or investment advice;
- Mortgage or equity-release advice;
- Tax advice;
- Legal advice;
- Pension advice; or
- A recommendation to enter into any transaction or financial arrangement.
Nothing on this website is an offer, invitation or inducement to acquire a financial product or regulated service.
You should obtain suitably qualified professional advice before making a legal, financial, tax, pension, mortgage or property decision.
4. Illustrative and historical information
Examples, valuations, tax rates, interest rates and other figures may have been taken from policy papers written at an earlier date. They are included to explain the proposed mechanisms and may no longer reflect current prices, legislation, taxation or market conditions.
Worked examples are illustrative and should not be used to make personal financial decisions.
5. Accuracy and availability
We take reasonable care when preparing and presenting the website’s material. However, policy proposals necessarily involve assumptions and matters on which reasonable people may disagree.
We do not guarantee that the website or its content will always be:
- Complete;
- Error-free;
- Current;
- Suitable for a particular purpose; or
- Continuously available.
We may revise, withdraw or replace material without notice.
6. Intellectual property
Unless otherwise stated, the text and original material published on this website belong to the Systemic Fiscal Reform Group or the identified author.
You may:
- Link to the website;
- Quote reasonable extracts for criticism, review, reporting, political discussion or academic work;
- Share links to individual pages; and
- Print or download material for personal and non-commercial research.
You must provide appropriate attribution and must not present altered material as an accurate statement of our position.
You may not reproduce a substantial part of the website for commercial purposes without prior permission, except where permitted by law.
7. Political use and attribution
You may discuss, support or criticise the proposals published here. You must not state or imply that the website operator endorses a political party, candidate, organisation or campaign unless that endorsement has been expressly confirmed in writing.
Any person who republishes the material as part of election or campaign material is responsible for complying with applicable electoral law, including any imprint requirements.
8. External websites
Links to external websites are provided for information or convenience. We do not control those websites and are not responsible for their content, security, availability or privacy practices.
A link does not necessarily indicate endorsement.
9. Liability
To the fullest extent permitted by law, we are not responsible for loss or damage resulting from:
- Reliance on the website as professional advice;
- Use of illustrative or historical figures;
- Decisions made on the basis of the published policy material;
- Temporary unavailability of the website; or
- Content or services provided by an external website.
Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.
10. Website security
You must not attempt to:
- Gain unauthorised access to the website or its infrastructure;
- Interfere with its operation;
- Introduce malicious software;
- Circumvent security controls; or
- Use automated systems in a manner that damages or materially burdens the service.
Security concerns should be reported using the contact published in /.well-known/security.txt.
11. Changes to these terms
We may update these terms when the website, its content or applicable law changes. The latest version will be published on this page with its revision date.
12. Governing law
These terms are governed by the law of England and Wales.
The courts of England and Wales will have jurisdiction, subject to any mandatory rights you may have under applicable law.