Terms and Conditions for MoneHarbor.co.uk
Welcome to the MoneHarbor.co.uk (hereinafter referred to as “the Website,” “we,” “us,” or “our”). These Terms and Conditions govern your use of our financial blog, which provides information, commentary, and educational content on topics including, but not limited to, UK Individual Savings Accounts (ISAs), pensions, retirement planning, savings, and personal finance.
By accessing and using this Website, you expressly agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these terms, you must discontinue your use of the Website immediately.
1. Acceptable Use & Intellectual Property
- You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the site.
- All content on this Website (including articles, logos, graphics, and code) is our intellectual property or licensed to us and is protected by copyright. You may not reproduce, distribute, modify, or commercially exploit any content without our prior written consent.
- You must not attempt to compromise the security or functionality of the Website or misuse any information contained within it.
2. Nature of Content & No Personal Advice
- Information, Not Advice: All content published on MoneHarbor.co.uk is for informational and educational purposes only. It constitutes general financial information and must not be construed as personal financial, investment, tax, or legal advice.
- No Fiduciary Relationship: Your use of this site does not create a client-advisor or fiduciary relationship between you and MoneHarbor.co.uk or its authors.
- Individual Circumstances: Financial situations are unique. You must always seek independent, professional advice from a qualified financial advisor who can consider your individual circumstances before making any financial decisions or investments.
3. Accuracy, Updates & No Guarantees
- While we strive to provide accurate and up-to-date information, the financial landscape changes rapidly. We do not guarantee the completeness, accuracy, or timeliness of any information on the site.
- We expressly disclaim liability for any errors or omissions in the content.
- No Guarantee of Results: We make no guarantee, express or implied, that acting on any information found on this Website will lead to any specific financial outcome, profit, or success. Investment and financial planning carry inherent risks, and past performance is not indicative of future results.
4. Affiliate Links & Advertising Disclosure
- MoneHarbor.co.uk may be monetised through affiliate marketing programs, sponsored content, advertisements, and other forms of compensation.
- This means we may earn a referral commission (at no extra cost to you) if you click on an affiliate link to a product or service (e.g., a broker, platform, or financial product provider) and subsequently make a qualifying purchase or sign-up.
- Our editorial content is written based on our analysis and opinion. We are never directly compensated to provide a positive review. Any compensation received will only influence the placement of affiliate links within content, not our genuine opinion.
- We strive to recommend only products and services we believe have merit.
5. Limitation of Liability & Your Responsibility
- To the fullest extent permitted by UK law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access, use, or inability to use the Website, or any errors or omissions in the content.
- Your Assumption of Risk: You expressly agree that any reliance upon any information on this Website is solely at your own risk. You are solely responsible for any investment, savings, or financial decisions you make.
6. Changes to These Terms & Contact
- We reserve the right to modify, amend, or update these Terms and Conditions at any time without prior notice. The “Last Updated” date at the top of this page will be revised accordingly.
- Governing Law: These Terms shall be governed by and construed in accordance with the laws of England and Wales.
- If you have any questions about these Terms, please contact us via the designated contact form on the Website.