These Terms of Service ("Terms") govern your access to and use of this website (the "Site"), operated by LedgerBloc Finance ("we", "us", "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Not financial advice

This is the most important section on this page. Please read it carefully.

Everything published on the Site — articles, guides, rate comparisons, calculators, examples, and commentary on mortgages, personal loans, credit scores, debt consolidation, refinancing, and business financing — is general information for educational purposes only. It is not:

  • Financial advice
  • Mortgage or credit advice
  • Investment, tax, or legal advice
  • A recommendation to apply for, accept, or decline any financial product
  • An offer to lend, arrange credit, or broker any financial product

We are not authorised or regulated by the Financial Conduct Authority, and we do not provide regulated financial services. Your circumstances are specific to you. Before making any borrowing, refinancing, or credit decision, seek advice from a qualified, regulated professional such as an FCA-authorised mortgage adviser, an accredited debt adviser, or a licensed financial planner in your jurisdiction.

Any decision you make based on information found on the Site is your own responsibility.

2. Accuracy of information

Interest rates, lender criteria, eligibility rules, tax thresholds, and government programmes change frequently and vary by country, state, and individual circumstances.

  • We make reasonable efforts to publish accurate, current information and to review articles periodically.
  • We do not warrant that any content is complete, accurate, current, or applicable to your situation.
  • Figures and examples are illustrative and are not quotes, offers, or guarantees of any rate or approval.
  • Always verify details directly with the lender, provider, or official government source before acting.

The Site is funded by advertising and may include affiliate arrangements.

  • We display advertising served by third-party networks, including Google AdSense and Google Ad Manager. We do not control which specific ads are shown and their presence is not an endorsement.
  • Some outbound links may be affiliate links, meaning we may earn a commission if you click through and apply for or purchase a product. This costs you nothing extra.
  • Compensation never determines our editorial conclusions. Where a relationship exists that could reasonably affect how you read an article, we disclose it.
  • Advertisements and sponsored placements are separate from editorial content and are not a recommendation by us.

The Site links to lenders, comparison services, regulators, and other external websites. We do not control those sites, are not responsible for their content, products, or practices, and provide the links only for convenience. Following an external link is at your own risk and subject to that site's own terms and privacy policy.

5. Permitted use

You may read, print, and share links to our content for personal, non-commercial use. You may not:

  • Copy, republish, scrape, or redistribute substantial portions of the Site without our prior written permission
  • Use automated systems to harvest content in a way that places unreasonable load on our infrastructure
  • Frame, mirror, or present our content as your own
  • Use the Site for any unlawful, fraudulent, or harmful purpose
  • Attempt to gain unauthorised access to the Site, its servers, or connected systems
  • Interfere with, disable, or circumvent any security or advertising feature of the Site

You may quote short extracts for commentary, review, or news reporting provided you attribute them to LedgerBloc Finance and link to the original article.

6. Intellectual property

All content on the Site — text, layout, graphics, logos, and design — is owned by us or our licensors and is protected by copyright and other intellectual property laws. Nothing in these Terms transfers any ownership rights to you.

If you believe content on the Site infringes your copyright, contact us via our Contact page with details of the work, the location of the material, and your contact information, and we will investigate promptly.

7. Availability

We aim to keep the Site available but do not guarantee uninterrupted access. We may suspend, withdraw, or restrict all or part of the Site for maintenance, technical, or business reasons without notice, and we may add, change, or remove content at any time.

8. Disclaimer of warranties

The Site and its content are provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

9. Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, the Site or its content. This includes financial loss, loss of profit, loss of opportunity, credit refusal, unfavourable loan terms, and any indirect or consequential loss.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded.

10. Indemnity

You agree to indemnify us against any claims, losses, or costs arising from your breach of these Terms or your misuse of the Site.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we handle information and cookies.

12. Changes to these Terms

We may revise these Terms at any time. The revised version takes effect when posted, and the "Last updated" date will change. Continued use of the Site after that point means you accept the revised Terms.

13. Governing law

These Terms are governed by the laws of England and Wales. Any dispute will be subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory local consumer protection law gives you the right to bring proceedings in your own country.

14. Contact

Questions about these Terms: visit our Contact page.