Terms of use

These terms of use set out the rules for using smartmoneyanswers.com. They should be read together with our Disclaimer and Privacy Policy, which form part of these terms.

1. About these terms

"Site" means smartmoneyanswers.com and all its pages and content. "We", "us" and "our" mean Smart Money Answers, the operator of the Site. "You" means anyone who accesses or uses the Site.

Before publishing, insert the name and (if applicable) registered address of the business or individual operating the Site.

2. Acceptance

By accessing or using the Site, you confirm that you accept these terms and agree to comply with them. If you do not agree, please do not use the Site.

3. Information only — not advice

All content on the Site is provided for general information and educational purposes only. It is not financial, investment, tax, legal, mortgage, debt or other professional advice, and it does not take account of your personal circumstances. Please read our full Disclaimer before relying on anything you read here. You are solely responsible for any decisions you make.

4. Accuracy and availability

We take care to keep content accurate and up to date, but we do not warrant that it is complete, current or error-free, and figures (such as tax allowances and rates) can change. We may update or remove content at any time. We do not guarantee that the Site will always be available, uninterrupted or secure, and we may suspend or restrict access for maintenance or other reasons.

5. Intellectual property

Unless stated otherwise, the content, design, text, graphics and branding on the Site are owned by or licensed to us and are protected by intellectual property laws. You may view, download and print pages for your own personal, non-commercial use, and share links to our pages. You must not copy, reproduce, republish, sell or otherwise exploit our content without our prior written permission.

6. Acceptable use

You agree not to: use the Site for any unlawful or fraudulent purpose; attempt to gain unauthorised access to the Site or its systems; introduce viruses or malicious code; scrape, harvest or systematically extract content without permission; or do anything that damages, disables or impairs the Site or interferes with other users.

7. Advertising and affiliate links

The Site displays advertising (including Google AdSense) and may contain affiliate links. If you click an affiliate link and take a qualifying action, we may earn a commission at no extra cost to you. This never influences the information or opinions we publish. Advertisements and sponsored content are the responsibility of the relevant advertiser.

8. Third-party links

The Site may link to third-party websites and services for your convenience. We do not control and are not responsible for the content, accuracy, products, services or privacy practices of those sites, and a link does not imply endorsement. Any dealings with third parties, advertisers or linked sites are solely between you and that third party.

9. Limitation of liability

Nothing in these terms excludes or limits our liability where it would be unlawful to do so — this includes liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any of your statutory rights as a consumer that cannot be excluded.

Subject to that, to the fullest extent permitted by law we shall not be liable for any loss or damage — including any indirect or consequential loss, loss of profit, or financial loss arising from decisions you make — that results from your use of, inability to use, or reliance on the Site or its content. Your use of the Site is at your own risk.

10. Changes to these terms

We may revise these terms at any time by updating this page. The version in force is the one published here when you use the Site, so please check periodically. Continued use of the Site after changes means you accept the revised terms.

11. Governing law and jurisdiction

These terms, their subject matter and formation are governed by the laws of England and Wales. Disputes are subject to the exclusive jurisdiction of the courts of England and Wales, save that if you are a consumer resident elsewhere in the UK you may also bring proceedings in your home nation.

12. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Last updated: 2026. These terms have been prepared for this website; for a business-specific review, consider a final check by a qualified legal professional.