Terms of Use

By using themoneyrecipe.com (“the Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site.

We may update these Terms from time to time. Continued use of the Site after changes constitutes your acceptance of the updated Terms. We will notify newsletter subscribers of material changes at least 14 days before they take effect.

The Money Recipe is a personal finance education platform. We provide educational articles on personal finance topics, free calculators for financial planning, and a newsletter with personal finance content.

We are not and do not claim to be:

• A financial adviser, financial planner, or investment manager
• A bank, broker, investment firm, or insurance company
• Regulated by the FCA (UK), SEC (US), CMA (Kenya), SEC (Nigeria), FSCA (South Africa), or any other financial regulator
• A comparison service offering live, binding financial product rates or data

Nothing on this Site constitutes financial advice. See our Financial Disclaimer for full details.

All content on this Site — articles, calculators, design, brand marks, the grain mark, the wordmark “The Money Recipe” — is owned by The Money Recipe or its licensors and is protected by copyright and applicable intellectual property law.

You may

• Read, share, and link to our content for personal, non-commercial purposes
• Quote up to 50 words with clear attribution and a link back to the source

You may not

• Reproduce our articles in full without written permission
• Use our calculators within your own products without a licence
• Scrape, copy, or republish our content in bulk
• Train AI models on our content without our written consent
• Use our brand marks or wordmark without permission

To request a licence or permission, contact [email protected].

You must not use the Site to:

• Violate any applicable law or regulation
• Harm, harass, deceive, or defraud other users or third parties
• Attempt to gain unauthorised access to our systems or infrastructure
• Distribute malware, harmful code, or spam
• Circumvent any security measure we have implemented
• Systematically harvest or scrape content for commercial purposes without our written consent

We reserve the right to restrict or terminate access for users who violate these terms, without notice.

Our calculators are provided for educational planning purposes only. They use standard financial formulae, including:

• Compound interest: A = P(1 + r/n)^(nt)
• Loan amortisation: M = P[r(1+r)^n] / [(1+r)^n − 1]
• FIRE number: Annual expenses ÷ Safe withdrawal rate

Calculator results are illustrative only. They:

• Do not account for taxes, inflation beyond stated assumptions, or changes in interest rates
• Use generalised assumptions that may not apply to your situation
• Are not financial projections or advice
• Should not be the sole basis for any financial decision

Always verify calculator outputs with a qualified financial adviser before making financial decisions.

By subscribing to our newsletter, you consent to receive educational personal finance emails from The Money Recipe. We do not send advertising emails on behalf of third-party businesses without your separate, explicit consent.

You can unsubscribe at any time using the link at the bottom of any email we send. We will not sell, rent, or share your email address with third parties.

Some articles and pages on this Site contain affiliate links. This means we may earn a small commission if you click a link and make a purchase or sign up for a service — at no extra cost to you.

We only recommend products and services we have independently researched and believe are genuinely useful to our audience. All affiliate relationships are disclosed on the relevant page. Affiliate income does not influence our editorial conclusions or independence.

We link to third-party websites including financial services, regulators, and data sources. We do not control these sites and are not responsible for their content, privacy practices, or terms of service.

When you leave our Site, these Terms no longer apply. We encourage you to read the terms and privacy policy of any site you visit.

To the maximum extent permitted by applicable law, The Money Recipe provides all content and tools “as is” without warranties of any kind, express or implied.

We are not liable for:

• Financial losses arising from use of our calculators or educational content
• Financial decisions made on the basis of information on this Site
• Errors or omissions in financial data we publish
• Interruption or unavailability of the Site
• Actions of third parties whose services or products we reference

Nothing in these Terms limits liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded under applicable law

Jurisdiction-specific notes:

• Kenya: Subject to the Consumer Protection Act 2012
• Nigeria: Subject to the Consumer Protection Act 2019
• South Africa: Subject to the Consumer Protection Act 68 of 2008
• EU / UK: Subject to applicable consumer protection laws that cannot be contracted out of

These Terms are governed by applicable law in the jurisdiction of the Site operator. We will update this section before public launch with the specific governing jurisdiction.

EU users: You may access the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

UK users: Alternative dispute resolution is available through certified ADR providers.

We encourage you to contact us at [email protected] before pursuing formal legal remedies — we want to resolve concerns directly.

The Money Recipe
Email: [email protected]