[Kliro]

The only thing that had me worried was the T&C's which I found a bit confusing.

I wasn't sure if they were implying that if any of your money went missing through using this service, they are in no way required to refund you in any way.

Is this correct??

I've signed up, and the activation No. is being sent in the post, not too sure if I should use it yet though.

I doubt (rather hope) that I will never fall victim to a phishing scam, as I would never re-enter details, and regularily scan for keyloggers and such.