Terms of Use
These Terms of Use govern your access to and use of Sterling Edge, including its articles, guides, membership features, accounts, contact forms and other website functionality.
By using Sterling Edge, you agree to comply with these Terms. If you do not agree with them, you should stop using the website.
Nothing in these Terms is intended to exclude or restrict any statutory right or remedy that cannot lawfully be excluded or restricted.
1. Website operator
Sterling Edge is operated by:
{{LEGAL_OPERATOR_NAME}}
{{REGISTERED_ADDRESS}}
Email:
{{CONTACT_EMAIL}}
2. Purpose of Sterling Edge
Sterling Edge is an advertising-supported financial-information publisher.
We publish general educational material about topics including:
- pensions and retirement;
- personal money management;
- savings;
- investments;
- taxation;
- financial habits and planning concepts.
Content is intended to help readers understand financial topics. It is not intended to provide personalised professional advice.
3. No personalised financial advice
Nothing on Sterling Edge constitutes personalised financial, investment, pension, tax, legal or accounting advice.
We do not assess your complete financial circumstances and we do not recommend that you personally buy, sell, hold, transfer, withdraw from or invest in a particular financial product.
You remain responsible for deciding whether information is appropriate to your circumstances.
Please read our Financial Disclaimer for further information.
4. Accuracy and availability of information
We aim to present information clearly and may review or update published material when appropriate.
However, financial information can change after publication. This may include:
- tax rates and allowances;
- pension rules;
- benefit amounts;
- interest rates;
- product terms;
- regulations;
- provider eligibility requirements;
- investment-market conditions.
We therefore do not promise that every article will remain current indefinitely after publication.
Where a decision depends on a current rule, rate, threshold or product condition, you should verify the latest information before acting.
5. Financial examples and illustrations
Sterling Edge may use hypothetical examples, calculations, illustrations or case studies to explain financial concepts.
Any figures relating to possible savings, investment growth, additional income, tax reductions, pension increases or other outcomes are illustrative unless clearly stated otherwise.
They do not guarantee that you will achieve the same or a similar result.
6. Investment risk
Investments can rise or fall in value and you may receive back less than you invested.
Past performance does not guarantee future results.
Investment examples and discussions on Sterling Edge are provided for general educational purposes and are not personalised recommendations.
7. User accounts
Certain Sterling Edge features may require you to create an account or sign in.
When creating an account, you agree to provide information that is reasonably accurate and to keep your login credentials confidential.
You must not:
- use another person's account without permission;
- attempt to obtain another user's password;
- share access in a way that circumvents membership restrictions;
- use automated systems to access protected content without permission;
- attempt to interfere with account authentication or security.
If you believe your account has been compromised, you should contact us as soon as reasonably possible.
8. Membership and subscriber content
Some Sterling Edge content may be available only to registered users or members.
Membership features, subscription periods and applicable prices should be displayed before you complete a paid subscription.
A paid membership provides access to the content and features described at the time of purchase. It does not include personalised financial advice.
9. Payments
Where Sterling Edge offers a paid service, the applicable price, billing period and material payment information will be presented before the order is completed.
If payment processing is provided by a third-party payment provider, that provider may process payment information under its own terms and privacy arrangements.
Sterling Edge should not be assumed to store complete payment-card details unless this is specifically stated at the point of payment.
10. Recurring subscriptions
If a membership renews automatically, the renewal arrangement, billing frequency and applicable price should be clearly presented before the subscription is completed.
Any renewal, cancellation and reminder rights that apply under mandatory consumer law remain unaffected by these Terms.
Where a particular membership does not renew automatically, this should be indicated as part of the relevant offer.
11. Cancellation and statutory rights
Your cancellation rights may depend on the type of membership or digital service purchased, when access begins and the law applicable to the transaction.
Where legislation provides a mandatory cancellation, cooling-off, refund or other consumer right, those rights are not excluded by these Terms.
Any additional cancellation procedure applicable to a particular Sterling Edge membership should be communicated before purchase or through the relevant account or support process.
12. Third-party products and commercial offers
Sterling Edge may display links to third-party products, services, advertisers or providers.
These third-party offers may be changed, suspended, withdrawn or replaced by the relevant provider.
Unless expressly stated otherwise, Sterling Edge does not control:
- third-party pricing;
- product availability;
- eligibility decisions;
- approval decisions;
- third-party customer service;
- third-party terms and conditions.
You should review the relevant provider's terms before entering into a separate agreement with that provider.
13. Advertising and commercial relationships
Sterling Edge is advertising-supported.
We may receive compensation when visitors click certain links, submit enquiries, register, subscribe, purchase products or complete other qualifying actions.
Commercial arrangements may affect which offers or providers are shown and where they appear.
Sterling Edge therefore should not be assumed to provide a complete comparison of every available financial product or provider.
Please read our Advertising Disclosure .
14. External websites
Links on Sterling Edge may lead to websites operated by independent third parties.
Once you leave Sterling Edge, the destination website is responsible for its own content, security, privacy practices, products and contractual terms.
A link to an external website does not mean that Sterling Edge accepts responsibility for everything published or provided on that website.
15. Acceptable use
You may use Sterling Edge only for lawful purposes.
You must not knowingly:
- attempt to gain unauthorised access to the website, accounts, server or stored information;
- interfere with the normal operation or security of the website;
- introduce malicious code, malware or harmful automated requests;
- use the website for fraud, impersonation or unlawful activity;
- submit false or misleading information through website forms for abusive purposes;
- scrape or systematically reproduce protected content in a way that infringes applicable rights;
- attempt to bypass access restrictions applying to subscriber content without permission.
16. Website availability
We aim to keep Sterling Edge available, but continuous or uninterrupted access cannot be guaranteed.
The website or individual features may occasionally be unavailable because of maintenance, updates, technical problems, security measures or circumstances outside our reasonable control.
17. Changes to the website
Sterling Edge may change, add, update or remove website features, articles or free content from time to time.
Where a material change affects an existing paid membership, any mandatory consumer rights and the specific terms of that membership remain applicable.
18. Suspension or termination of access
We may take reasonable steps to restrict or suspend access where necessary to protect the website or other users from suspected fraud, abuse, security threats or material violations of these Terms.
Where paid consumer rights are affected, nothing in this section removes any remedy or refund right that cannot lawfully be excluded.
19. Intellectual property
Unless otherwise indicated, Sterling Edge branding, page design, original written material and other original website content are protected by applicable intellectual-property laws.
You may access and read the website for personal use.
You must not reproduce, republish, sell or commercially exploit a substantial part of original Sterling Edge content without permission except where applicable law permits that use.
20. Information you submit
If you submit information through a form, you confirm that you have the right to provide that information and that you will not knowingly submit unlawful, malicious or fraudulent material.
Personal information is handled in accordance with our Privacy Policy .
21. Our responsibility to you
Nothing in these Terms excludes or limits liability where doing so would be unlawful.
In particular, these Terms do not exclude liability that cannot lawfully be excluded for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that applicable law requires to remain available.
Subject to those mandatory rights, Sterling Edge is not responsible for financial losses resulting solely from a reader treating general educational material as personalised professional advice.
We are also not responsible for the independent acts, decisions, products or services of third-party providers merely because the website contains a link to them.
22. Your statutory consumer rights
If you use Sterling Edge as a consumer, you may have statutory rights relating to digital content, services, payments, subscriptions and online contracts.
These Terms are not intended to replace, reduce or remove rights that applicable law says cannot be excluded.
If any provision of these Terms conflicts with a mandatory consumer protection applicable to you, the mandatory protection will apply.
23. Privacy and cookies
Use of Sterling Edge may involve processing personal information and the use of essential browser or session storage.
Please review our:
24. Changes to these Terms
We may update these Terms where reasonably necessary, for example to reflect changes in website functionality, commercial arrangements or applicable requirements.
Updated Terms will be made available on this page.
Changes to these general Terms do not remove any contractual or statutory right that has already arisen and cannot legally be removed.
25. Severability
If part of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply so far as legally possible.
26. No waiver
If we do not immediately enforce a provision of these Terms, that does not necessarily mean that we have permanently waived the right to enforce it.
27. Governing law
These Terms are governed by {{GOVERNING_LAW}}, subject to any mandatory consumer protections that apply to you.
Nothing in this section is intended to deprive a consumer of protections that cannot lawfully be excluded by a choice-of-law or jurisdiction provision.
28. Contact
If you have questions about these Terms, you can contact:
{{LEGAL_OPERATOR_NAME}}
{{REGISTERED_ADDRESS}}
Email:
{{CONTACT_EMAIL}}
You can also use our Contact page .
29. Related policies
These Terms should be read together with: