Disclaimer

Please read this disclaimer carefully before using Smart Investor UK. It explains your rights and our limitations.

⚠️ Capital at Risk — Important Notice The value of your investments can go down as well as up. You may get back less than you invest. Past performance is not a reliable indicator of future results. By continuing to use this website you confirm that you have read, understood, and agreed to this disclaimer in full.

Not Financial Advice

Smart Investor UK is not a financial adviser. All content published on this website — including articles, reviews, comparisons, guides, calculators, and tools — is for general educational and informational purposes only. Nothing on this site constitutes, or should be construed as, regulated financial advice, a personal recommendation, or an offer or solicitation to buy or sell any financial instrument or investment product. You should not make any investment decision based solely on information found on this website.

Not FCA Regulated

Smart Investor UK is not authorised or regulated by the Financial Conduct Authority (FCA). We are an independent information, education, and comparison website only. We do not provide personal financial recommendations, investment management, portfolio advice, or any regulated financial services as defined under the Financial Services and Markets Act 2000 (FSMA). Always verify that any financial product, platform, or service you use is authorised and regulated by the FCA before committing any funds. You can check at register.fca.org.uk.

Affiliate & Commission Disclosure

Smart Investor UK participates in affiliate marketing programmes. We may receive commissions, referral fees, or other compensation from third-party platforms and financial providers when you click links on our site and subsequently open accounts or purchase products. This commercial arrangement does not affect the price you pay. It does not influence our editorial independence, the content we produce, or the ratings, rankings, and recommendations we publish. We clearly identify sponsored content where applicable and are committed to providing honest, unbiased information to our readers at all times.

Accuracy & Timeliness of Information

While we make every reasonable effort to ensure the information published on Smart Investor UK is accurate, complete, and up to date, we make no warranties or representations — express or implied — as to the accuracy, reliability, completeness, or suitability of any information on this site for any particular purpose. Financial products, fees, interest rates, tax rules, and regulations change frequently and without notice. We cannot guarantee that content is current at the time of reading. Always verify all details directly with the relevant provider or a qualified professional before making any financial decision.

Third-Party Links & External Websites

Smart Investor UK contains links to third-party websites, platforms, and financial providers. These links are provided for your convenience and information only. We have no control over the content, privacy policies, security, or practices of any third-party website and accept no responsibility for them. The inclusion of any link does not imply our endorsement of that website or any association with its operators. You access third-party websites entirely at your own risk.

Limitation of Liability

To the fullest extent permitted by applicable law, Smart Investor UK, its owner, authors, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary loss or damage — including but not limited to financial loss, loss of profits, loss of data, or any other loss — arising from your use of, or reliance on, any content, tools, or information on this website, even if we have been advised of the possibility of such damage. Your use of this website is entirely at your own risk.

Your Responsibility

By using Smart Investor UK, you agree that you are solely responsible for any investment decisions you make. You acknowledge that investing involves risk, that you may lose some or all of your capital, and that no information on this site removes or reduces that risk. You agree to indemnify and hold harmless Smart Investor UK and its owner from any claim, loss, liability, or expense arising from your use of this website or your violation of these terms.

Seek Professional Advice

Investing carries risk and may not be suitable for everyone depending on your personal financial circumstances, goals, and risk tolerance. Before making any investment decision, you should always conduct your own independent research and, where appropriate, seek regulated financial advice from a qualified financial adviser who is fully authorised and regulated by the FCA. Smart Investor UK is not a substitute for professional financial advice.

Governing Law

This disclaimer and your use of Smart Investor UK shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with this disclaimer shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Last updated: February 2026  ·  Smart Investor UK  ·  This disclaimer may be updated at any time without prior notice.