Home / Terms of use
Terms of use
These terms govern your use of this website. By accessing or using the site you agree to be bound by them. If you do not agree, please do not use the site.
1. About us
This website is operated by Financial Hub (“we”, “us”, “our”). We publish plain-English UK personal finance guides, comparisons and calculators.
2. Information only — not financial advice
Everything on this site is provided for general information and education only. It is not financial, investment, tax, legal or other professional advice, and it does not take account of your personal circumstances.
We are not authorised or regulated by the Financial Conduct Authority (FCA). Nothing on this site is a personal recommendation to buy, sell or hold any investment or to adopt any financial strategy. Before making any financial decision you should seek advice from an FCA-authorised financial adviser, and for tax matters a qualified tax adviser, who can consider your individual situation.
The value of investments can fall as well as rise and you may get back less than you invest. Past performance is not a guide to future results. Tax treatment depends on your individual circumstances and may change.
3. Calculators and tools
Any calculators, planners or tools on this site produce illustrative estimates based on the assumptions and figures you enter. Results are simplified, may not reflect your real circumstances, and must not be relied on as a forecast or as advice. Always verify figures with the relevant provider or a qualified professional before acting.
4. How we make money
Some links on this site are affiliate links. If you click through and take out a product or service, we may earn a commission at no extra cost to you. This never affects the editorial independence of our content. For more detail, see how we make money and our editorial policy.
5. Accuracy of information
We work hard to keep information accurate and up to date, but personal finance rules, rates and product terms change frequently. We make no warranty that the content is complete, current or error-free, and we are not obliged to update it. Always check the latest position with the relevant provider, lender or official source (such as GOV.UK or the FCA) before relying on it.
6. Intellectual property
All content on this site — including text, graphics, logos, calculators and design — is owned by us or our licensors and is protected by intellectual property laws. You may view and print content for your own personal, non-commercial use. You must not reproduce, republish, distribute or exploit any part of the site commercially without our prior written permission.
7. Acceptable use
You agree not to:
- use the site in any unlawful or fraudulent way, or for any harmful purpose;
- attempt to gain unauthorised access to the site, its servers or any connected systems;
- introduce viruses, malware or any other malicious or technologically harmful material;
- scrape, harvest or systematically extract data from the site without our permission;
- interfere with the proper working of the site or place an unreasonable load on it.
8. Links to other sites
Our site contains links to third-party websites. We provide these for convenience and have no control over their content. We are not responsible for those sites, and a link does not imply endorsement.
9. Limitation of liability
To the fullest extent permitted by law, we are not liable for any loss or damage — including any financial loss or loss arising from decisions you make — resulting from your use of, or reliance on, this site or its content. Your use of the site is entirely at your own risk.
Nothing in these terms excludes or limits our liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, or for fraud.
10. Availability of the site
We aim to keep the site available but do not guarantee it will always be accessible or uninterrupted. We may suspend, withdraw or change all or part of the site without notice.
11. Privacy
Your use of the site is also governed by our privacy policy and cookies policy, which explain how we handle your data.
12. Changes to these terms
We may update these terms from time to time. The “last updated” date above shows the latest revision. By continuing to use the site after changes are posted, you accept the updated terms.
13. Governing law
These terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact us
If you have any questions about these terms, please use our contact page.