Financial disclosure
What this site can and cannot tell you about your money, and where to go for the rest.
Last updated
This is information, not advice
Everything published here is general information about how financial products and concepts work. It does not take account of your income, expenses, debts, tax position, goals or circumstances, and it is not a personal recommendation. Nothing on this site should be treated as financial, investment, legal or tax advice.
What we are not, precisely
To be unambiguous about it, YourFinanceCoach is not and does not:
- is not a bank or any kind of deposit-taking institution;
- is not a lender or credit provider;
- is not a broker, intermediary or credit broker;
- is not an investment adviser or financial adviser;
- is not an insurance distributor or mortgage adviser;
- is not a credit-repair firm or debt management firm;
- holds no authorisation from the FCA in the United Kingdom, no Australian Financial Services Licence or Australian Credit Licence, and no equivalent registration in the United States;
- does not hold, receive or custody client money or assets;
- does not execute transactions of any kind;
- does not open, apply for or administer accounts on your behalf;
- does not guarantee approval for any product, by anyone;
- does not guarantee any return, saving or outcome;
- does not provide personalised recommendations and cannot tell you what you personally should do.
We do not arrange products, act for you in any transaction, or take part in any agreement you enter into with a provider. If you need a recommendation for your own circumstances, speak to someone authorised in your country to give one — the regulators listed below can tell you who is.
A disclaimer is not a licence
Nothing on this page is intended to work around a regulatory requirement, and it does not. Where an activity would require authorisation, we do not carry it out — we have changed what we publish rather than relied on wording to excuse it. If you believe any page here crosses that line, tell us and we will take it down while we check.
Figures change
Interest rates, fees, introductory offers, eligibility rules and protection limits change, often without notice. Where we publish one, we say where it came from and when we last checked it. Always confirm the current terms on the provider’s own page before you apply or commit to anything.
Calculators are estimates
Our calculators show their formula and list the assumptions built into the result. Those assumptions — a fixed rate, payments made on schedule, no tax deducted, no fees beyond the ones you enter — will not all hold in reality. Treat the output as a way to understand the shape of a decision, not as a quotation.
Where to get regulated help
United States
- Consumer Financial Protection Bureau — Consumer financial protection and complaints
- Federal Deposit Insurance Corporation — Bank deposit insurance and supervision
- Federal Reserve — Monetary policy and bank supervision
- Federal Trade Commission — Credit reporting and consumer protection enforcement
- CFPB complaint database — where to take a complaint a firm will not resolve
- FDIC deposit insurance — $250,000 per depositor, per insured bank, per ownership category
United Kingdom
- Financial Conduct Authority — Conduct regulation for consumer credit and banking
- Bank of England — Monetary policy and the Bank Rate
- GOV.UK — Official government guidance
- MoneyHelper — Free, government-backed money guidance
- Financial Ombudsman Service — where to take a complaint a firm will not resolve
- FSCS protection — £85,000 per eligible person, per authorised firm
Australia
- Australian Securities and Investments Commission — Credit licensing and financial services conduct
- Moneysmart (ASIC) — Free government money guidance and calculators
- Australian Prudential Regulation Authority — Prudential supervision of banks and the Financial Claims Scheme
- Reserve Bank of Australia — Monetary policy and the cash rate
- Australian Competition and Consumer Commission — Consumer law and competition enforcement
- Australian Financial Complaints Authority — where to take a complaint a firm will not resolve
- Financial Claims Scheme — A$250,000 per account holder, per authorised deposit-taking institution
If you are struggling with debt
Free debt advice exists in all three markets and is worth more than any calculator. In the UK, MoneyHelper and Citizens Advice; in Australia, the National Debt Helpline and ASIC’s Moneysmart; in the United States, a nonprofit credit counselling agency accredited by the NFCC. Be cautious of any firm that charges an upfront fee to fix your credit or settle your debts.
Commercial relationships
We earn affiliate commission on some outbound links. This is disclosed on every page that carries one and explained in full in how we make money.