1. Acceptance of Terms

This website is operated by Kaeltripton.com (“we”, “us”, “our”). By accessing or using this website, you unconditionally agree to be bound by these Terms of Use in their entirety. If you do not agree, you must immediately cease using this website. We reserve the right to amend these Terms at any time without prior notice. Your continued use constitutes acceptance of any revised terms.

2. Information Only — Not Advice

All content on kaeltripton.com — including articles, guides, reviews, comparisons, calculators, tools, rates, prices, figures, and statistics — is provided for general informational and educational purposes only. Nothing on this website constitutes, or should be construed as:

• Financial advice, investment advice, or a personal recommendation within the meaning of the Financial Services and Markets Act 2000 (FSMA 2000);
• Tax advice or guidance from HM Revenue & Customs (HMRC);
• Legal advice of any nature;
• Insurance advice or a recommendation to purchase any insurance product;
• Mortgage advice or a regulated mortgage activity;
• Any other form of professional or regulated advice.

You should not rely on any content on this website as the sole basis for any financial, investment, tax, legal, or other decision. Always obtain independent advice from a suitably qualified and regulated professional adviser before acting.

3. Regulatory Status — Not FCA Authorised

Kaeltripton.com is not authorised or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory authority in the United Kingdom or elsewhere. We do not hold any FCA permissions and do not carry on any regulated activities as defined by FSMA 2000 or the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO). If you require regulated financial advice, consult an FCA-authorised adviser. You can verify a firm’s authorisation at the FCA Financial Services Register.

4. Rates, Prices and Figures — Indicative Only

All rates, prices, figures, tariffs, allowances, thresholds, yields, percentages, and any other financial or numerical data displayed or referenced on this website are provided for indicative and illustrative purposes only. They are subject to change at any time without notice and may not reflect current or accurate values at the time you access them. You must always verify any rate, price, or figure directly with the relevant official source or regulated provider before taking any action. Official sources include, without limitation: HMRC (gov.uk/hmrc), Ofgem (ofgem.gov.uk), the Bank of England (bankofengland.co.uk), the DWP (gov.uk/dwp), and the relevant product provider.

5. Third-Party Links and Affiliate Relationships

This website may contain links to third-party websites, products, and services provided for convenience only. We have no control over third-party content and accept no responsibility for it. Where we link to a financial product or service, we may receive a commission or referral fee. This does not affect the price you pay or our editorial independence. Sponsored or affiliate content will be identified where required by law.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Kaeltripton.com, its authors, editors, and operators expressly exclude all liability for any loss or damage — including financial loss, loss of profit, loss of data, or consequential loss — arising from: your use of or reliance on any content on this website; any inaccuracy, error, or omission in any content; any decision made on the basis of content on this website without obtaining independent professional advice; or your use of any third-party website or service linked from this website. Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot lawfully be excluded.

7. Intellectual Property

All content on this website — including text, articles, guides, images, graphics, logos, tools, and code — is the intellectual property of Kaeltripton.com or its licensors and is protected by copyright, database rights, and other applicable laws. You may not reproduce, republish, distribute, sell, or otherwise exploit any content without our prior written consent, except that you may print or download a single copy for your own personal, non-commercial use.

8. Acceptable Use

You agree not to use this website for any unlawful purpose, to transmit unsolicited commercial communications, to attempt to gain unauthorised access to any part of this website or its systems, or to engage in any conduct that is harmful, offensive, or disruptive to other users or to the operation of this website.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the law of England and Wales. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.

10. Contact

Questions about these Terms of Use: support@kaeltripton.com