Terms of Service

1. Acceptance of Terms

By accessing or using PennyGuideUK.com ("the Website"), you confirm that you have read, understood, and agreed to be legally bound by these Terms of Service and our Privacy & Cookie Policy. If you do not agree with any portion of these terms, you must immediately cease accessing the Website.

2. Nature of Information (Non-Advisory)

All materials, articles, calculators, guides, and commentary provided on the Website are published strictly for general informational, educational, and consumer interest purposes.

We do not provide regulated financial, legal, credit, mortgage, or investment advice. Nothing contained on this site should be interpreted as a personal recommendation or solicitation to buy, hold, or sell any financial instrument. For full details, please review our mandatory Financial Disclaimer.

3. Intellectual Property Rights

Unless otherwise specified, all editorial content, branding, design assets, and code on PennyGuideUK.com are the exclusive intellectual property of PennyGuide Media Ltd and are protected under UK copyright and trademark legislation. You may not reproduce, syndicate, or republish full articles without express prior written consent.

4. Third-Party Links & Commercial Disclosures

The Website may contain links to third-party merchant sites, supermarket flyers, and banking portals. We exercise no editorial control over third-party platforms and accept no liability for any loss, damage, or contractual disputes arising from your dealings with third-party providers.

5. Limitation of Liability

To the maximum extent permitted by English law, PennyGuideUK.com and its contributors shall not be liable for any direct, indirect, incidental, or consequential damages resulting from reliance on the information contained herein. You use the Website entirely at your own risk.