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Loro is an independent publication covering payments, FX, fintech funding, regulation and ownership. These are the terms on which we publish and on which you read. By using the site you accept them.
This is the important one. Loro publishes journalism and analysis about companies, markets and regulation. It is general information, published to a general audience, with no knowledge of your circumstances.
Nothing on this site is a recommendation to buy, sell or hold any security, currency or other asset, and nothing here should be relied on as investment, legal, accounting or tax advice. Loro is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial services. If you are making a financial decision, take advice from someone qualified to give it and regulated to be accountable for it.
The Loro Score and the signals behind it are our own editorial opinion, computed from public filings and registers using a method we describe on the How Loro works page. It is a journalistic device for drawing attention to activity worth looking at.
It is not a credit rating, not a solvency assessment, not a probability, and carries no regulatory status of any kind. A high or low score says something about what has been filed publicly and nothing about what any company is worth or what it will do next.
We build from primary sources and say which ones. Registers are nonetheless published with delays, corrections and occasional errors, and our own processing can introduce its own. The site is provided as it is: we do not warrant that everything on it is complete, current or free of error, and we are not liable for decisions taken on the basis of it.
That is not an excuse to be wrong. If you think something we have published is inaccurate, email phil.sumner@gmail.com and we will check it. Where we are wrong we correct it and say that we have.
Loro's articles, scores, charts and page designs belong to us. You are welcome to:
Please don't:
If you want to do something that isn't on either list, ask — phil.sumner@gmail.com. We would rather say yes to a clear request than find out afterwards.
A large part of what Loro publishes is derived from public registers — Companies House, the FCA's PDMR filings, SEC EDGAR, the Electoral Commission register, the ECB and BIS statistical services, Hansard and the UK procurement registers among others. Each carries its own licence and attribution conditions, most commonly the Open Government Licence.
Those conditions travel with the data. Reformatting it does not reset them, and they apply to you as well as to us. Every source, with its licence, is listed on the Sources and licences page.
Loro reports on named individuals where public registers record their conduct in a public role — a declared interest, a disclosed trade, a political donation, a vote. That reporting is carried out for journalistic purposes. How we handle personal data, and what rights you have over it, is set out in our privacy notice.
Loro carries no advertising today. When it does, advertising will be labelled as advertising and will have no influence on what we cover or what we conclude. Sponsored or supported content, if we ever run any, will say so on the piece itself.
/newsroom is Loro's internal editorial system and is restricted to staff. Attempting to access it without authorisation is not permitted.
We may update these terms; the date at the top moves when we do. They are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction over any dispute.