Disclaimer

Last updated: March 2026

Please read this disclaimer carefully before using Smart Penny. By accessing smartpenny.online, you acknowledge that you have read and agree to the terms described below.

Affiliate Disclosure

Smart Penny participates in affiliate marketing programmes including CJ Affiliate. Some links on this website are affiliate links — if you click on them and make a purchase or sign up for a service, we may earn a small commission from the seller at no extra cost to you. You pay exactly the same price as if you had navigated directly to the provider.

We are completely transparent about this because you deserve to know when a financial relationship exists between us and a product or service we mention. Affiliate income helps fund the site and allows us to continue producing free content.

Affiliate relationships do not influence our editorial decisions. We do not recommend financial products because they offer good commissions. We only feature products and services that we have genuinely assessed and believe provide real value. If we would not recommend something to a close friend or family member, it will not appear as a recommendation on this site regardless of any commercial relationship.

Not Financial Advice

The content published on smartpenny.online is for general informational and educational purposes only. Nothing on this website constitutes personalised financial advice, investment advice, tax advice, or legal advice. Smart Penny is not regulated by the Financial Conduct Authority (FCA) and does not provide regulated financial advice.

Before making any significant financial decision — including decisions about investments, pensions, insurance, loans, credit products, or mortgages — you should consult with a qualified and FCA-regulated financial adviser who can assess your individual circumstances, financial situation, and objectives. General information, however accurate, cannot substitute for personalised professional advice.

Accuracy of Information

We make every reasonable effort to ensure information on Smart Penny is accurate and current. However, financial products, interest rates, tax rules, and regulations change frequently. We cannot guarantee that all information reflects the current position at the exact moment you read it. Always verify important financial information directly with the provider or a qualified professional before making a decision.

Limitation of Liability

To the fullest extent permitted by law, Smart Penny and its owner accept no liability for any direct, indirect, incidental, or consequential loss arising from your use of information on this website, including any financial loss arising from decisions made based on content published here.

Questions

Questions about this disclaimer? Email hello@smartpenny.online.