Terms and Conditions

Please read these Terms and Conditions (“Terms”) carefully before using Savvy Investor Guide (the “Website” or “Service”). By accessing or using our Website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you must not use our Website.

1. Definitions

In these Terms and Conditions:

• “Company,” “We,” “Us,” or “Our” refers to The Savvy Investor Limited, Company No. 14816921, registered in England and Wales, with registered office at 2nd Floor, College House, 17 King Edwards Road, Ruislip, London HA4 7AE.
• “Website” or “Service” refers to Savvy Investor Guide, accessible at https://savvyinvestorguide.com.
• “Content” refers to all articles, guides, calculators, tools, images, and other materials published on the Website.
• “You” or “User” refers to any individual or entity accessing or using the Website.
• “Calculator” or “Interactive Tools” refers to any calculator, comparison tool, or interactive element on the Website.
• “Affiliate Link” refers to links to third-party platforms where we may earn a commission if you sign up or make a purchase.

2. Nature of Service

2.1 Educational Purpose Only

Savvy Investor Guide is an educational publishing company. We provide information and education about:

• Retirement planning (IRAs, 401(k)s, SIPPs, ISAs, pensions)
• Property investment strategies
• Index funds and passive investing
• Tax-advantaged accounts
• Investment principles and strategies

Our Content is designed to help you understand investment concepts and make informed decisions. It is NOT personalized advice tailored to your specific circumstances.

2.2 No Advisory Relationship

2.3 Regulatory Status

The Savvy Investor Limited is NOT authorized or regulated by:

• The Financial Conduct Authority (FCA) in the United Kingdom
• The Securities and Exchange Commission (SEC) in the United States
• Any other financial regulatory body

We do not hold ourselves out as regulated financial service providers. Our Content does not constitute regulated financial advice.

3. Disclaimer of Advice

3.1 General Disclaimer

Nothing on this Website constitutes financial, investment, tax, or legal advice. All Content is provided for general informational and educational purposes only. You should not rely on our Content as a substitute for professional advice tailored to your specific circumstances.

3.2 Investment Risk Acknowledgment

3.3 Requirement to Consult Professionals

Before making any financial, investment, tax, or legal decisions, you MUST consult with qualified professionals who can evaluate your complete personal circumstances, including:

• Financial advisors authorized by the FCA or SEC
• Tax professionals such as chartered accountants or CPAs
• Legal advisors such as solicitors or attorneys
• Pension specialists for retirement planning
• Mortgage brokers for property investment financing

4. Calculator and Interactive Tool Disclaimers

4.1 Estimates Only

Our Calculators and interactive tools provide estimates and projections based on assumptions. They are NOT:

• Guarantees of future performance or results
• Personalized recommendations for your specific situation
• Accurate predictions of investment returns, tax liabilities, or property values
• Substitutes for professional financial planning or tax advice

4.2 Data Privacy

Calculator inputs and results are processed locally in your browser. We do NOT store, save, or transmit the specific numbers you enter into our Calculators. See our Privacy Policy for more details.

4.3 Verification Required

You must verify all Calculator results with qualified professionals before making financial decisions. Calculator results may not account for:

• Your specific tax situation and deductions
• Changes in tax laws or contribution limits
• Your complete financial picture
• State-specific rules (for US users)
• Individual circumstances affecting your eligibility or benefits

5. Content Accuracy and Updates

5.1 Reasonable Efforts

We make reasonable efforts to ensure our Content is accurate, current, and based on authoritative sources. However, we do NOT guarantee the accuracy, completeness, or timeliness of any Content.

5.2 Changes in Laws and Regulations

Tax laws, retirement account rules, investment regulations, and financial markets change frequently. Content that was accurate when published may become outdated. You are responsible for verifying current rules with official sources (IRS, HMRC, FCA, SEC) or qualified professionals.

5.3 No Obligation to Update

While we periodically update our Content, we are NOT obligated to update Content to reflect changes in laws, regulations, or market conditions. The “Last Updated” date on articles indicates when Content was last reviewed, but does not guarantee current accuracy.

6. Affiliate Links and Third-Party Relationships

6.1 Affiliate Disclosures

Our Website contains Affiliate Links to investment platforms, brokerage firms, and other financial services providers. If you click an Affiliate Link and open an account or make a purchase, we may earn a commission at no additional cost to you.

Affiliate relationships are disclosed on our Affiliate Links page and within relevant articles. Our affiliate relationships do NOT influence our editorial recommendations. We recommend platforms based on objective evaluation of features, fees, and user experience.

6.2 No Obligation

You are NOT obligated to use Affiliate Links or sign up with any recommended platform. You should research all platforms independently and choose based on your specific needs.

6.3 Third-Party Terms Apply

When you click an Affiliate Link and engage with a third-party platform, that platform’s terms and conditions, privacy policy, and fee structure apply. We are not responsible for third-party platforms’ practices, policies, or services.

7. Intellectual Property Rights

7.1 Ownership of Content

All Content on this Website, including articles, guides, calculators, images, graphics, logos, and design elements, is the exclusive property of The Savvy Investor Limited and is protected by UK and international copyright laws.

7.2 Limited License to Use

We grant you a limited, non-exclusive, non-transferable license to:

• Access and view Content for personal, non-commercial use
• Print individual articles for personal reference
• Share links to our Content on social media

7.3 Prohibited Uses

You may NOT:

• Copy, reproduce, or republish our Content on other websites or platforms
• Use our Content for commercial purposes without written permission
• Scrape, crawl, or systematically extract data from the Website
• Remove copyright notices or attributions from Content
• Create derivative works based on our Content without permission
• Use our Content to train AI models or large language models

For licensing inquiries or permission to use Content beyond personal use, contact us at info@savvyinvestorguide.com.

8. User Conduct

When using our Website, you agree to:

• Comply with all applicable laws and regulations
• Provide accurate information when contacting us or subscribing
• Not use the Website for any unlawful or prohibited purpose
• Not attempt to gain unauthorized access to any part of the Website
• Not transmit viruses, malware, or other harmful code
• Not interfere with or disrupt the Website’s operation
• Not impersonate any person or entity
• Not harvest or collect user information without permission

9. Third-Party Links

Our Website contains links to third-party websites and services, including:

• Investment platforms and brokerage firms (affiliate and non-affiliate)
• Government websites (IRS, HMRC, FCA, SEC)
• Research sources and academic institutions
• Financial news and information sites

We have NO control over the content, privacy policies, or practices of third-party websites. We do NOT endorse or make representations about third-party sites. You access third-party sites at your own risk.

We encourage you to review the terms and conditions and privacy policies of any third-party site you visit.

10. Books and Publications

We may offer books and publications for sale through the Website or third-party retailers. When you purchase books:

• Sales are processed by third-party retailers (e.g., Amazon)
• The retailer’s terms, privacy policy, and refund policy apply
• Book content is also for educational purposes only and NOT personalized advice
• We are not responsible for printing errors, shipping delays, or retailer issues

11. Consultation Services

If we offer consultation bookings through the Website:

• Consultations are informational and educational only
• Consultations do NOT constitute personalized financial, investment, or tax advice
• No advisory or professional relationship is created
• You must consult qualified professionals for personalized advice
• Cancellation and refund policies will be clearly stated when booking

12. Email Communications and Newsletter

If you subscribe to our newsletter or download resources requiring email submission:

• You consent to receive educational emails from us
• You can unsubscribe at any time via the link in emails
• Email content is educational only, NOT personalized advice
• We will NOT sell your email address to third parties
• See our Privacy Policy for data handling details

13. Limitation of Liability

14. Indemnification

You agree to indemnify, defend, and hold harmless The Savvy Investor Limited, its directors, officers, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial decisions you make based on Content
• Any misrepresentation of your relationship with us

15. “AS IS” and “AS AVAILABLE” Disclaimer

The Website and all Content are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, completeness, or reliability of Content
• Uninterrupted or error-free operation

We make NO warranty that:

• The Website will meet your requirements
• Content is accurate, current, or complete
• Calculator results will be correct or reliable
• Defects will be corrected
• The Website is free from viruses or harmful components

16. Age Restriction

You must be at least 18 years old to use this Website. We do not knowingly collect information from or provide Content to individuals under 18. If you are under 18, you may not use the Website.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer residing in the European Union, you also have protection under mandatory consumer protection laws of your country of residence.

18. Dispute Resolution

If you have a concern or dispute about the Website or these Terms, please contact us at info@savvyinvestorguide.com. We will make reasonable efforts to resolve disputes informally.

If informal resolution fails, disputes will be resolved through the courts of England and Wales as specified in Section 17.

19. Severability

If any provision of these Terms is held to be unenforceable or invalid by a court of competent jurisdiction, that provision will be changed and interpreted to accomplish its objectives to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

20. Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. No waiver of any breach shall constitute a waiver of any subsequent breach.

21. Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, and Affiliate Links page, constitute the entire agreement between you and The Savvy Investor Limited regarding use of the Website.

22. Changes to These Terms

We reserve the right to modify these Terms at any time at our sole discretion. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page
• Post a notice on the Website
• Notify you via email if we have your email address (for significant changes)

Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the Website.

23. Termination

We may terminate or suspend your access to the Website immediately, without prior notice, for any reason, including if you breach these Terms.

Upon termination, your right to use the Website will cease immediately. Sections of these Terms that by their nature should survive termination (including disclaimers, limitation of liability, indemnification, and governing law) will remain in effect.

24. Contact Information

If you have questions about these Terms and Conditions, please contact us:

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Company Information:
The Savvy Investor Limited is registered in England and Wales under Company No. 14816921.
Registered office: 2nd Floor, College House, 17 King Edwards Road, Ruislip, London HA4 7AE, United Kingdom.