Financial Disclaimer
The information published on Sterling Edge is provided for general informational, educational and advertising-supported purposes only.
Nothing on this website constitutes personalised financial advice, investment advice, pension advice, tax advice, legal advice or any other form of professional advice.
Sterling Edge does not assess your individual financial circumstances and does not make personalised recommendations about whether you should buy, sell, hold, transfer, withdraw from or invest in any particular financial product, investment or pension.
General information only
Financial decisions depend on factors that differ from person to person, including income, age, tax position, existing assets, liabilities, investment experience, objectives, time horizon, family circumstances and tolerance for risk.
Sterling Edge does not have access to all of this information when you read an article.
For that reason, information that may be relevant to one reader may not be appropriate for another.
No adviser-client relationship
Reading Sterling Edge, subscribing to the website, creating an account, submitting a form or contacting us does not create a financial-adviser, investment-adviser, pension-adviser, tax-adviser, accountant, solicitor or other professional relationship.
Editorial titles used on Sterling Edge describe areas of editorial responsibility and should not be interpreted as regulated adviser credentials.
Investment risk
Investing involves risk.
The value of investments can rise or fall and you may receive back less than you invested.
Different investments carry different levels and types of risk, including market risk, inflation risk, interest-rate risk, credit risk, liquidity risk and currency risk.
Past performance is not a guarantee of future results.
References to shares, bonds, funds, investment accounts, portfolios, asset classes or investment strategies are provided for general educational purposes and should not be treated as a recommendation to invest.
Investment returns and projections
Articles may sometimes use hypothetical investment returns, portfolio growth rates, yields or projections to illustrate how financial concepts work.
These figures are examples only.
Actual investment returns may be higher or lower and may be negative. Market conditions, fees, taxation, inflation and the timing of investments can materially affect real-world outcomes.
Pension information
Pension decisions can have significant and sometimes irreversible financial and tax consequences.
Sterling Edge may explain subjects such as:
- the State Pension;
- workplace and private pensions;
- pension contributions;
- retirement withdrawals;
- pension tax allowances;
- retirement-income planning.
Such information is intended to explain general concepts and does not determine the most appropriate course of action for an individual reader.
Consider obtaining appropriately qualified advice before making significant pension transfers, withdrawals or other decisions that may be difficult to reverse.
Tax information
Tax information published on Sterling Edge is general in nature.
Tax treatment depends on individual circumstances and legislation, thresholds, allowances and administrative rules may change.
Examples involving tax savings or allowances do not guarantee that a particular reader will qualify for the same result.
Before relying on tax information for an important financial decision, you should check the latest applicable rules with the relevant official authority or an appropriately qualified professional.
Savings, interest rates and cash products
Interest rates, product conditions, deposit limits, eligibility requirements and provider terms can change.
References to savings accounts, ISAs, Premium Bonds or other cash products should therefore be checked against the current terms offered by the relevant provider before taking action.
Benefits, allowances and eligibility
Sterling Edge may discuss government benefits, pension entitlements, tax allowances or other financial provisions for which some readers may be eligible.
Eligibility is not guaranteed merely because a reader appears to fit a general example described in an article.
Eligibility can depend on age, income, National Insurance record, residence, household circumstances, tax status and other criteria.
Readers should confirm their own position with the relevant authority or service.
Examples, illustrations and case studies
Some articles may contain hypothetical scenarios, example calculations or illustrative case studies.
These examples are designed to make financial concepts easier to understand. They are not predictions or guarantees of what an individual reader will receive, save, earn or achieve.
Figures such as potential savings, additional income, investment growth or tax reductions should always be interpreted together with the assumptions and eligibility requirements relevant to the example.
Financial information can change
Financial rules and market conditions can change after an article has been published.
This includes changes to:
- tax rates and thresholds;
- pension rules;
- ISA allowances;
- State Pension amounts;
- government benefits;
- interest rates;
- financial regulation;
- product terms and availability;
- investment markets.
Sterling Edge may review and update content, but we cannot guarantee that every page will reflect a change immediately after it occurs.
Where a decision depends on a current rule, rate or threshold, verify the latest information before acting.
Official and professional sources
Depending on the subject, readers may wish to verify information using relevant official or regulated sources.
These may include government departments, HM Revenue & Customs, pension services, MoneyHelper, the Financial Conduct Authority and other appropriate organisations.
If you are considering using a financial firm or adviser, you should independently verify its identity, permissions and regulatory status using the appropriate official registers where applicable.
Third-party products and services
Sterling Edge may refer or link to financial products, services, providers or other third-party websites.
Product availability, fees, rates, eligibility requirements, terms and conditions are controlled by the relevant third party and may change without notice to Sterling Edge.
Before applying for or purchasing a third-party product or service, review the provider's own information and terms.
Advertising and compensation
Sterling Edge is advertising-supported.
We may receive compensation when visitors click certain links, submit enquiries, register for services, subscribe, purchase products or complete other qualifying actions.
Commercial arrangements may influence which offers, services or providers are displayed and how prominently they appear.
A commercial relationship does not mean that a product or service is suitable for your individual circumstances.
For more information, please read our Advertising Disclosure .
No guarantee of financial outcome
Sterling Edge does not guarantee that following a strategy, approach, example or idea discussed on the website will produce a particular financial result.
Financial outcomes depend on circumstances that may be outside the control of Sterling Edge or the reader.
Statements describing potential savings, returns, tax reductions, pension increases or other financial benefits should not be interpreted as guaranteed outcomes.
Your financial decisions
You remain responsible for evaluating information before making a financial decision.
Before committing significant money, consider:
- whether the information is current;
- whether you meet the relevant eligibility requirements;
- the costs and fees involved;
- the risks involved;
- your own financial circumstances and objectives;
- whether professional advice may be appropriate.
Membership and paid access
Paying for access to Sterling Edge content does not convert general educational information into personalised financial advice.
Membership provides access to content according to the applicable subscription terms only.
Urgent financial matters
Sterling Edge should not be relied upon as a real-time service for urgent financial, legal, tax or fraud-related situations.
If a matter requires immediate action, contact the relevant bank, provider, authority or appropriately qualified professional directly.
Editorial standards
Our approach to sourcing, article updates, contributors, corrections and advertising-supported content is explained in our Editorial Policy .
Transparency
Sterling Edge clearly identifies the advertising-supported nature of the website through the advertisement notice displayed at the top of the site and through additional disclosures.
For further information, please review:
Questions about financial content
If you believe information published on Sterling Edge is inaccurate or requires review, you can contact us through the website.
Please note that the contact form cannot be used to obtain personalised financial advice.