Terms of Use

These terms govern your use of www.noviqen.co.uk. By browsing the site, using our calculators, leaving a comment or sending us a message, you agree to them. If you do not agree, please stop using the site.

Everything on Noviqen is general information and education about UK personal finance. It is not financial, investment, tax, mortgage or legal advice, and it is not a personal recommendation. We are not authorised or regulated by the Financial Conduct Authority.

Your circumstances are unique. Before acting on anything you read here, consider speaking to a suitably qualified, FCA-authorised adviser. Investments can fall as well as rise and you may get back less than you put in. Past performance is not a guide to future performance. Tax treatment depends on your individual circumstances and can change.

We research carefully and cite reliable sources such as GOV.UK, HMRC, the Bank of England, the FCA and the ONS. Even so, rates, allowances, product terms and rules change frequently and pages may become out of date.

• Our calculators (compound interest, monthly investing, retirement, Premium Bond checker) are illustrative models, not guarantees or quotations.
• Results depend entirely on the assumptions you enter and exclude many real-world factors such as fees, taxes and changing rates.
• Premium Bond outcomes are simulations based on published NS&I odds and prize data — they do not tell you whether you have actually won.
• Always confirm rates, allowances and terms directly with the provider or official source before acting.

Comments are public and moderated. By posting, you confirm the content is your own and grant us a non-exclusive licence to display, store and remove it. You must not post:

• Abuse, harassment, hate speech or threats.
• Spam, referral links, promotional content or scams.
• Financial advice presented as professional or regulated advice.
• Unlawful, defamatory or infringing material, or anyone else's personal data.

We may edit, refuse or delete any comment and block access at our discretion, without notice. Comments reflect the views of their authors, not Noviqen.

• Do not attempt to access admin areas, accounts or systems you are not authorised to use.
• Do not scrape, mirror or republish our content in bulk, or overload the site with automated requests.
• Do not introduce malware or interfere with the site's normal operation.

All articles, data presentations, tools, design, branding and the Noviqen name belong to us or our licensors. You may read, print and share links for personal, non-commercial use, and quote short extracts with clear credit and a link back. Republishing whole articles or reusing our material commercially requires our written permission.

The site is funded partly by advertising. Ads are supplied by third-party networks and their presence is not an endorsement. External links are provided for convenience; we do not control those sites and are not responsible for their content, products or privacy practices.

We provide the site "as is" and do not guarantee uninterrupted or error-free availability. To the fullest extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, the site — including financial loss from decisions based on our content or calculators. Nothing in these terms limits liability that cannot lawfully be limited.

Our Privacy Policy explains what data we collect and how we use it, and forms part of these terms.

We may update these terms at any time; the "last updated" date shows the current version, and continuing to use the site means you accept the change. These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

Questions, corrections or takedown requests: use our contact page.