Terms and Conditions


By proceeding to use this website you are deemed to have understood and accepted these terms and conditions.

If you subscribe to the site you will be emailed the weekly Morning Porridge Newsletter or Daily Morning Porridge Blog. We accept no responsibility if your email service blocks the email, classifies it as junk, or otherwise does not accept the Morning Porridge.

Subscriptions may be cancelled with one month notice of termination. There are no refunds of monthly subscriptions.

This website, these terms and conditions, and any information may be altered and amended at any time without prior notice. Your continued use of our website indicates your acceptance of and acknowledgement of these terms and conditions and the regulatory information as amended.


We make no representations, warranties or undertakings as to the accuracy of the content or our website or as to whether any information you download is virus or error free. We cannot accept any liability for any damages whatsoever arising to you as a result of your use of our website.


The information, views and opinions contained on this website are personal and in no way represent the views of my employers. The information may not be reproduced or further distributed to any other person or published, in whole or in part, for any purpose, at any time, without the prior written consent of Bill Blain.

The information on this website is published solely for information purposes and is not to be construed as a solicitation, an offer or advice to buy or sell financial instruments. The information does not constitute any personal recommendation as defined by the Financial Conduct Authority, nor does it take account of the particular investment objectives, financial situations or needs of any individual investors.

The information contained herein is obtained from public information and sources considered reliable. However, the accuracy thereof cannot be guaranteed. Bill Blain does not accept any responsibility or liability whatsoever for any loss however arising from any use of the information on this website or otherwise arising in connection therewith.

The value of investments and the income from them may fluctuate. It should be remembered that past performance is not a guarantee of future performance. Investments may go down in value as well as up and you may not get back the full amount invested.  If you are unsure of the suitability of any investment for you, you should contact an Independent Financial Adviser, authorised by the Financial Conduct Authority. By visiting this website, the visitor agrees to the foregoing disclaimer and to be bound by its limitations and restrictions.