1. Agreement to Terms
By accessing or using WiseYields at wiseyields.co.uk ("the Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms in full, you must not use the Website.
These Terms apply to all visitors, users, and others who access or use the Website. We may update these Terms at any time and will indicate the date of the most recent revision above. Continued use of the Website after changes constitutes acceptance of the updated Terms.
2. About WiseYields
WiseYields is a UK-based financial education website. We provide free calculators, guides, and articles to help individuals understand their personal finances. We are not a financial services firm and are not authorised or regulated by the Financial Conduct Authority (FCA).
3. Not Financial Advice — Important Disclaimer
Nothing on WiseYields constitutes financial advice, investment advice, tax advice, or legal advice.
All calculators, articles, and tools are provided for general information and educational purposes only. They are based on general assumptions that may not apply to your individual circumstances.
Results from our calculators are estimates only. You should not rely on them to make significant financial decisions without first consulting a qualified financial adviser, accountant, solicitor, or other relevant professional.
Tax rates, thresholds, and regulations change regularly. Although we strive to keep content up to date, we recommend verifying critical figures with official sources such as HMRC, GOV.UK, and the Bank of England.
4. Accuracy and Availability
We make reasonable efforts to ensure the information and calculators on WiseYields are accurate and up to date. However, we make no representations or warranties — express or implied — as to the completeness, accuracy, reliability, or fitness for purpose of any content on the Website.
The Website is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted or error-free service and reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice.
5. Limitation of Liability
To the fullest extent permitted by applicable law, WiseYields, its owners, operators, and contributors shall not be liable for any:
- Direct, indirect, incidental, or consequential losses
- Financial losses, investment losses, or loss of income
- Decisions made in reliance on our calculators or content
- Errors, omissions, or inaccuracies in calculator results
- Loss of data or service interruptions
This limitation applies even if we have been advised of the possibility of such losses.
6. Use of Calculators
Our calculators are tools for estimation and education only. By using them, you acknowledge that:
- Results are estimates based on the inputs you provide and general assumptions
- We do not guarantee the accuracy of any calculation output
- You are solely responsible for verifying results before acting on them
- Past performance does not guarantee future results
- Tax and benefit calculations are based on current published rates and may not reflect individual circumstances
7. Intellectual Property
All content on WiseYields — including text, graphics, logos, calculator interfaces, articles, and underlying code — is owned by or licensed to WiseYields and is protected by UK and international copyright law.
You may not copy, reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our prior written consent. Personal, non-commercial use (e.g., printing an article for your own reference) is permitted.
8. Acceptable Use
You agree not to:
- Use the Website for any unlawful purpose
- Attempt to gain unauthorised access to any part of the Website or our systems
- Use automated tools (bots, scrapers, crawlers) to access or copy content without our permission
- Introduce viruses, malware, or other malicious code
- Misrepresent calculator results or our content in any misleading way
9. Third-Party Links and Advertisements
The Website may contain links to third-party websites and display advertisements (including via Google AdSense and affiliate partners). These are provided for convenience and do not represent our endorsement of those sites, services, or products.
We have no control over and accept no responsibility for the content, privacy practices, or services of any linked third-party site. You access them at your own risk.
Advertisements shown on this site are served by Google AdSense. We do not control the specific ads displayed. For more information, see our Advertiser Disclosure.
10. Privacy
Your use of the Website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.
11. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to these Terms or the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
12. Contact
For any questions about these Terms, please contact us:
Email: legal@wiseyields.co.uk
Website: wiseyields.co.uk/contact
