Disclaimer

This disclaimer governs your use of Legamoney (the "Site"). By reading the Site you accept the terms set out below. If you do not accept them, please do not use the Site. This page should be read alongside our terms of use, our privacy policy and our editorial policy.

All content on the Site is published for general informational and educational purposes. It describes how products, processes and rules generally work. It is not tailored to your circumstances, does not take account of your objectives or financial position, and is not a recommendation to take or refrain from any course of action.

Rules, prices, product terms and legal requirements differ between jurisdictions and change over time. Content may not reflect the position in your country, state or region.

Nothing on the Site constitutes financial, investment, tax, accounting or credit advice, and Legamoney is not a licensed financial adviser, broker, lender or credit intermediary.

Any figures, rates, repayment illustrations or worked calculations are illustrative only. They are not quotes, offers, or predictions of the cost or availability of any product. Eligibility, pricing and terms are determined by the provider, not by us.

Legamoney is not an insurer, insurance broker, or intermediary and does not arrange, advise on, or sell insurance. Explanations of cover, exclusions, deductibles and claims describe common market practice, not the terms of any particular policy.

Only the policy wording issued by your insurer determines what is covered. Always read the policy document and product disclosure material before relying on cover.

Legamoney is not a law firm and does not provide legal advice or legal representation. No content on the Site is a substitute for advice from a qualified lawyer admitted to practise in your jurisdiction.

Legal rules, limitation periods and procedures vary by jurisdiction and change. Reading the Site, contacting us, or submitting a message does not create a lawyer–client relationship, and no confidential or privileged relationship arises.

The Site describes products, services and documents published by third parties. We do not control that material and cannot guarantee it remains accurate, current or available. Where we summarise a third-party document, the original document prevails over our summary.

Some pages may contain affiliate links, which can earn Legamoney a commission when a reader signs up with a provider. Affiliate arrangements never affect what we cover, our assessments, or the order in which products appear. Full details are set out in our affiliate disclosure.

The Site reserves space for advertising. Advertisements are labelled and kept visually separate from editorial content. Advertisers have no influence over editorial decisions, and their presence on a page is not an endorsement by Legamoney of the advertised product.

Using the Site, subscribing to updates, or contacting Legamoney does not create any adviser–client, lawyer–client, broker–client or fiduciary relationship between you and Legamoney or any of its contributors.

We take reasonable care to publish accurate content and to date every page, but we do not warrant that content is complete, current or error-free. Content is provided on an "as is" basis. If you believe something is inaccurate, please tell us through the contact page and we will review it.

To the fullest extent permitted by applicable law, Legamoney and its contributors accept no liability for any loss or damage arising from reliance on content published on the Site, or from any inability to access the Site.

Nothing in this disclaimer excludes or limits liability that cannot lawfully be excluded or limited. The specific liability position, and the law that applies to it, is to be confirmed by the site owner's legal counsel: [limitation of liability wording and governing law to be supplied].

The Site links to external websites for source attribution and further reading. We do not control those sites, are not responsible for their content, privacy practices or availability, and a link is not an endorsement.

Questions about this disclaimer can be sent through our contact page. Formal notices should be sent to the operator's registered contact details: [legal entity name to be supplied] [registered address to be supplied] [notice email address to be supplied].