FCA Financial Disclaimer
Mandatory Disclosure • Financial Services and Markets Act 2000 (FSMA) Notice
We Are Not Authorised by the Financial Conduct Authority (FCA)
PennyGuideUK.com is a digital journalistic publication operated by PennyGuide Media Ltd. We are not authorised, regulated, or registered by the UK Financial Conduct Authority (FCA), and we do not provide regulated investment, pension, mortgage, or credit advice.
1. Information vs. Regulated Advice
The articles, supermarket comparison tips, interest rate tables, and side hustle guides published on this website are provided strictly for general consumer education and informational purposes only.
Under no circumstances should any statement, article, or analysis on PennyGuideUK.com be construed as a personalised recommendation or financial advice tailored to your individual circumstances. Your personal financial situation is unique.
2. Capital at Risk Notice
Where our guides discuss investment vehicles (such as Stocks & Shares ISAs, index funds, or share trading accounts), remember: The value of investments and any income from them can go down as well as up, and you may get back less than you invest. Past performance is never a reliable indicator of future results.
3. Independent Verification
While we strive to ensure that all interest rates, supermarket yellow-sticker times, and HMRC allowances (such as the £1,000 Trading Allowance and £20,000 ISA limit) are accurate at the time of publication, retail terms and government tax thresholds change frequently. We strongly urge you to verify all figures directly with product providers or HMRC before making commitments.
Where to Find Authorised Free UK Advice
If you require individual financial guidance, debt support, or regulated recommendations, please consult these free statutory British organisations:
MoneyHelper
Government-backed free money and pension guidance across the UK.
Visit moneyhelper.org.uk →Citizens Advice
Free, confidential advice on debt, benefits, housing, and legal issues.
Visit citizensadvice.org.uk →National Debtline
Free independent debt advice and budgeting support: 0808 808 4000.
Visit nationaldebtline.org →FCA Financial Services Register
Check if a financial adviser or firm is officially regulated.
Visit register.fca.org.uk →