Disclaimer
Last updated: 4 March 2026
Please read this page carefully before acting on any information you find on Ardlight. It explains the nature of our content and its limitations.
Ardlight is not a financial adviser and nothing on this website constitutes regulated financial advice. The content on this site is for educational and informational purposes only. It does not take into account your personal circumstances, financial situation, or objectives. You should not make financial decisions based solely on what you read here.
Not financial advice
Ardlight is an independent personal finance education website. The content, tools, guides, calculators, and the Ardlight Score™ are designed to help you understand personal finance concepts and think through your options — they are not a substitute for professional financial advice.
Ardlight is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide regulated financial advice as defined by the Financial Services and Markets Act 2000 (FSMA). No content on this site should be construed as a personal recommendation to buy, sell, or hold any financial product or investment.
The information we publish reflects our understanding of general principles at the time of writing. Financial products, tax rules, and regulations change. Always verify current details with the relevant provider or a qualified professional before acting.
When you should seek professional advice
The guides and tools on Ardlight are most useful for understanding general principles and making straightforward decisions. There are situations where you should seek advice from a qualified independent financial adviser (IFA) before acting:
- Decisions involving significant sums of money
- Complex pension situations including defined benefit pension transfers
- Inheritance planning and trusts
- Business financial planning
- Situations involving divorce or relationship breakdown
- Any situation where you are uncertain about the right course of action
To find a regulated financial adviser in the UK, visit unbiased.co.uk or vouchedfor.co.uk. You can check whether an adviser is FCA-authorised at the FCA Register.
Accuracy of information
We take care to ensure the information on Ardlight is accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of any information on the site.
Tax rules, ISA allowances, pension limits, interest rates, and product details change. We date our articles so you can see when they were last reviewed, but you should always verify current figures with HMRC, the relevant provider, or a qualified professional.
Ardlight accepts no liability for any loss or damage of any nature arising from reliance on information published on this website.
Investment risk
Where Ardlight discusses investing in stocks, shares, funds, or other investments, please note:
- The value of investments can go down as well as up
- You may get back less than you invest
- Past performance is not a reliable indicator of future results
- Tax treatment depends on individual circumstances and may change
Affiliate relationships
Ardlight earns commission from some links on this website. When you click a link to a financial product and open an account or make a purchase, we may receive a fee from the provider. This is how we fund the site.
Our editorial content is written independently of our commercial relationships. We do not allow affiliate arrangements to influence our recommendations. Where we have an affiliate relationship with a product mentioned in an article, we say so clearly at the top of that article.
Affiliate links are never the primary basis for a recommendation. If a product we don't have an affiliate relationship with is better for you, we will tell you about it.
External links
Ardlight contains links to external websites. These are provided for your convenience and information. We have no control over the content of external sites and are not responsible for their content, accuracy, or privacy practices. Linking to a site does not imply endorsement.
Intellectual property
The content on this website — including text, tools, the Ardlight Method™, and the Ardlight Score™ — is the intellectual property of Ardlight. You may not reproduce, distribute, or republish any content from this site without our prior written permission.
Changes to this disclaimer
We may update this disclaimer from time to time. The current version will always be available at ardlight.com/disclaimer with the date it was last updated.
Contact
If you have questions about this disclaimer, please contact us at hello@ardlight.com.