Terms & Conditions

Effective Date: April 2025

Welcome to Financial Penguin. By accessing or using our website (www.financialpenguin.co.uk or www.financialpenguin.com), you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully. If you do not agree with any part of these terms, you must not use our website.

1. About Us

Financial Penguin is an independent financial education platform dedicated to helping people make more informed money decisions through accessible, engaging content.

If you want to contact us you can do so by emailing:
hello@financialpenguin.com

2. Educational Purpose Only

All content on this site is provided for educational and informational purposes only. It does not constitute financial, legal, investment, or tax advice. You should always seek professional advice tailored to your individual circumstances before making financial decisions. Please see our Disclaimer for more details.

3. No Client Relationship

Using this website does not create any client, advisory, fiduciary, or professional relationship between you and Financial Penguin or its contributors.

4. Intellectual Property

All content, branding, graphics, logos, and design elements on Financial Penguin are the property of Financial Penguin unless otherwise stated.

You may:

  • Share links to our pages on social media

  • Quote small portions of our content with attribution

You may not:

  • Copy, reproduce, or distribute our content for commercial purposes without our written permission

  • Alter or republish any part of our site as your own

5. User Conduct

By using our site, you agree not to:

  • Use it for any unlawful or harmful purpose

  • Attempt to interfere with the proper functioning of the website

  • Collect personal data of other users

  • Upload or transmit any viruses or malicious code

We reserve the right to restrict or block access to users who breach these terms.

6. External Links

Our website may contain links to third-party websites. These links are provided for your convenience. We do not endorse or accept responsibility for the content, accuracy, or privacy practices of those external sites.

7. Limitation of Liability

To the fullest extent permitted by law, Financial Penguin will not be liable for:

  • Any losses or damages arising from the use of this website or reliance on its content

  • Any interruptions, delays, or errors in website availability

  • Any third-party services or products mentioned or linked

8. How We’re Funded

Funding to keep our website running and provide you with the valuable content you love is provided via several Chanels as outlined below:

Advertisements and Marketing Partnerships

We earn revenue through advertisements and marketing partnerships. This may include sponsored content, banner ads, or promotional placements. When we feature a product or service, we do so with transparency and in line with our editorial values.

Referral Fees

If you click on a link to a financial product or service and then take action (like signing up or making a purchase), we may earn a referral fee. This comes at no additional cost to you. These fees help us keep Financial Penguin free and accessible for everyone.

Affiliate Links

Some of our articles may contain affiliate links, which are clearly labeled. If you see a link marked with an asterisk (*), it means we may receive a commission if you make a purchase through that link. Rest assured, we only recommend products or services we genuinely believe are helpful.

Our Commitment to Integrity

We follow a strict editorial policy to maintain the accuracy and objectivity of our content. Advertisers and affiliates have no influence over our reviews, rankings, or star ratings. If something doesn’t meet our standards, we’ll say so—or not feature it at all.

Privacy Matters

We value your privacy. We do not collect personal information unless you explicitly provide it, and we take care to offer a secure, respectful user experience at all times.

Your Support

By reading, sharing, and interacting with our content and links, you’re helping to support our mission of making financial education accessible to all. Thank you for being part of the Financial Penguin community.

9. Changes to These Terms

We may update these Terms and Conditions from time to time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of the site means you accept the revised terms.

10. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Still have questions?


Email us at hello@financialpenguin.com – we're happy to help.