Terms and Conditions
The terms on which this site is made available: what it is, what it explicitly is not, how information about you is treated, and the status of every figure shown on it.
Last updated 30 July 2026
Who these terms are between
These terms govern your use of this website. They are between you and Gilt & Willow, an independent private investment research initiative operating from the United Kingdom, reachable at the address in section 12.
By reading this site you accept these terms. If you do not accept them, the appropriate response is to stop reading it.
What this site is, and what it is not
This site describes a research method and an investment philosophy. It is published for information and education.
It is not financial advice, not a personal recommendation, not an offer to sell or buy any security, and not a solicitation or inducement to invest. Nothing on it is tailored to your circumstances, because it was written without knowledge of them.
Gilt & Willow operates by private invitation. Nothing here should be read as an offer of a service to the general public, and no arrangement of any kind comes into existence because you have read this page or written to the address on it.
No relationship is created by using this site
Reading this site, sending an enquiry, or receiving a reply does not create a client relationship, an advisory relationship, or a duty of care in respect of your investments. Any relationship would begin only under a separate written agreement, signed by both parties, and would be governed by that agreement rather than by this page.
Confidentiality
Information you provide, and the existence of any correspondence or relationship, is treated as confidential. It is not disclosed voluntarily to any third party, and it is not used for marketing, published as a case study, or referred to in any form from which you could be identified.
That undertaking has one exception, and it is not one that can be declined: disclosure compelled by law. This includes an order of a court, a properly made request by a regulator, tax authority or law enforcement body, and obligations arising under money-laundering and financial-crime legislation. In certain of those cases the law also prohibits informing you that a disclosure has been made.
How information about you is handled in data-protection terms is set out separately in the privacy notice, which forms part of these terms.
The figures shown on this site
The interactive model on the home page is an illustration of arithmetic, not a record of performance. It assumes a flat gross annual return of 8.0% before fees, applies fees as a continuous drag, and compounds over ten years.
Those figures are hypothetical. They are not a backtest, not a projection of any actual portfolio, and not a representation that any such return has been or will be achieved. No allowance is made for tax, for sequence of returns, or for the possibility of loss.
Past performance is not a guide to future performance. The value of investments can fall as well as rise, and you may get back less than you invested. Capital is at risk.
Allocations and methodology may change
Any allocation, framework, process or asset focus described on this site reflects internal research methodology at the time of writing. It is subject to change without notice, and this site may not be updated at the moment a change is made.
Accuracy, and the absence of warranty
This site is provided as it stands. While it is written carefully, no warranty is given that it is accurate, complete, or current, and no undertaking is given that it will be available without interruption or free of error.
Limitation of liability
To the fullest extent permitted by law, no liability is accepted for any loss arising from reliance on this site, from any decision taken on the basis of it, or from any inability to access it.
Nothing in these terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be limited or excluded. Where you deal as a consumer, your statutory rights are unaffected.
Intellectual property
The text, research memoranda, structure and design of this site belong to Gilt & Willow. You may read it, quote briefly from it with attribution, and link to it. You may not reproduce it substantially, republish it, or present it as your own.
Links to other sites
Where this site links elsewhere, the linked site is not under Gilt & Willow's control and no responsibility is taken for its content or its handling of your data.
Changes to these terms
These terms may be amended. The version published here is the one in force, and the date it was last changed is shown above. Continued use of the site after a change constitutes acceptance of it.
Governing law, and how to make contact
These terms, and any dispute arising out of them, are governed by the law of England and Wales, and are subject to the exclusive jurisdiction of the courts of England and Wales.
Questions about these terms should be sent to ishaan.narayana.uk@gmail.com.
These terms are drafted to describe this site accurately rather than to serve as a substitute for legal advice. Two matters are deliberately not asserted anywhere above, because they are facts about the operator rather than about the site: any regulatory authorisation, and any registered company identity. Both should be stated explicitly, and this document reviewed by a solicitor qualified in England and Wales, before Gilt & Willow accepts money from anyone.
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