Iceburg Wealth shares general information about money in the UK. This Iceburg Wealth disclaimer explains how to use the guides, calculators and spreadsheets on the site. In short, everything here is for education only and is not financial advice.
Not Financial Advice
I’m Callum Scott, and I write everything on Iceburg Wealth. I’m not a financial adviser, and Iceburg Wealth is not authorised or regulated by the Financial Conduct Authority (FCA).
My guides explain how things work and share my own experience. However, they don’t take your personal circumstances into account. That means nothing on this site is a personal recommendation to buy, sell or hold anything.
Before you make a big money decision, it’s worth speaking to a regulated financial adviser. You can check that a firm or adviser is authorised on the FCA Register. For free and impartial guidance, try MoneyHelper, which is backed by the government.
Investing Always Carries Risk
The value of investments can go down as well as up. As a result, you may get back less than you put in. Past performance is not a reliable guide to future returns.
Cryptoassets such as Bitcoin are high risk, and you should be prepared to lose all the money you put in. Most crypto investments are not covered by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service.
Tax Rules, Allowances and Figures Can Change
Tax rules, allowances and benefit rates change regularly, often every April. Your tax treatment also depends on your own circumstances.
Each guide was accurate to the best of my knowledge when it was written. Even so, some figures may be out of date by the time you read them. So always check the latest rules on GOV.UK before you act.
How to Use the Free Calculators and Spreadsheets
The free tools give estimates based on the numbers you enter and the assumptions built into them. Their results are for illustration only. They are not a guarantee of what you will earn, save, pay or receive.
My Own Money and Personal Examples
Sometimes I share my own investments, savings or decisions. These show what works for me in my situation. They are not a suggestion that you should do the same.
Adverts and Affiliate Links
Iceburg Wealth shows adverts through Google AdSense, which helps keep the site free. Some posts may also include affiliate links. If you sign up through one, I may earn a small commission at no extra cost to you.
Adverts and affiliate links never decide what I write. Also, an advert or link appearing on a page is not a recommendation that a product suits you.
Links to Other Websites
I link to other websites, mainly official sources such as GOV.UK, HMRC and the Bank of England. I’m not responsible for the content of those sites, and they may change without notice.
Limitation of Liability
You use the information and tools on Iceburg Wealth at your own risk. To the extent the law allows, Iceburg Wealth and Callum Scott accept no liability for any loss arising from their use. Any decision you make with your money is your own.
Questions About the Iceburg Wealth Disclaimer
Spotted something that looks wrong, or have a question? Get in touch through the contact page. You can also read more about Iceburg Wealth or see how your data is handled in the privacy policy.
This Iceburg Wealth disclaimer was last updated on 24 October 2026.