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The Consultancy does not arrange, negotiate, recommend, or advise on the purchase or suitability of any insurance policy or insurer. No activity undertaken should be interpreted as insurance broking, arranging, or regulated advice. The Consultancy does not handle client money or interact with insurers for the purpose of placement.

All advice and opinions provided by the Consultancy are independent, non-binding, and intended to support education on insurance & to assist informed decision-making. They should not be construed as regulated insurance advice or as an offer to arrange or procure insurance coverage. © 2025 Karen Ellis Consultancy