Disclaimer

Effective Date: April 2025

Welcome to Financial Penguin. We’re passionate about providing clear, accessible financial education — but we want to be upfront about the limits of what we offer. This Disclaimer explains the nature of the information on our site and sets expectations for how it should (and shouldn’t) be used.

1. Educational and Informational Purposes Only

All content on Financial Penguin is provided for general educational and informational purposes only. We aim to help you understand financial concepts and make more informed decisions — but we are not a regulated financial adviser, and our content should not be taken as professional advice tailored to your personal circumstances.

Our financial calculator tools are designed for demonstration purposes only. While we do our best to ensure they are accurate and helpful, there may occasionally be errors or limitations. If you spot something that doesn’t look right, please contact us and we’ll do our best to fix it quickly.

2. No Financial Advice

Nothing on this site constitutes:

  • Personalised financial advice

  • Investment recommendations

  • Tax, legal, or accounting advice

  • Advice to buy, sell, or hold any financial product

If you need specific advice for your financial situation, we strongly recommend speaking to a licensed or regulated professional (e.g. an independent financial adviser or tax specialist).

3. Accuracy and Reliability

We do our best to ensure the accuracy and timeliness of the information we publish. However:

  • Financial regulations and products can change over time

  • Information may become outdated or superseded

  • We cannot guarantee that all content is error-free or fully up to date

Always double-check important information and verify facts through official sources or qualified professionals before making any financial decisions.

4. Third-Party Links and Products

Financial Penguin content may feature:

  • External links to third-party websites

  • Reviews or references to financial products, platforms, and services

  • Affiliate or referral links, clearly identified with an asterisk (*) unless stated otherwise

We are not responsible for the content, accuracy, availability, or privacy practices of third-party sites. The inclusion of a link or product mention does not imply our endorsement.

5. Affiliate and Advertising Relationships

Some content on Financial Penguin may include affiliate links or sponsored partnerships. We may earn a commission if you click a link and take action (like opening an account or making a purchase), at no extra cost to you.

However, we maintain an editorial independence policy: advertisers do not influence our content, ratings, or recommendations.

For more details, please see our How We’re Funded section in our Terms & Conditions.

6. Limitation of Liability

To the fullest extent permitted by law, Financial Penguin shall not be held liable for any:

  • Loss or damage arising from the use of our website or content

  • Errors, omissions, or delays in the information provided

  • Decisions you make based on information from our site

You use our site entirely at your own risk.

7. Contact Us

If you have any questions about this Disclaimer or how we operate, feel free to contact us at:

hello@financialpenguin.com