Terms of Service
Last updated: 8 February 2026
1. Acceptance of Terms
By accessing and using GiltEdge (“the Service”), you accept and agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.
2. Description of Service
GiltEdge is an AI-powered platform that generates UK personal finance analysis based on data from the Bank of England, Office for National Statistics, HMRC, and other public sources. The Service provides:
- AI-generated personal finance analysis and commentary
- Interactive data visualisations
- UK economic trend analysis
- Tax and savings strategy insights
3. Financial Disclaimer
NOT FINANCIAL ADVICE: Content provided by this Service is for informational and educational purposes only. It does not constitute regulated financial advice as defined by the Financial Services and Markets Act 2000.
NOT FCA REGULATED: GiltEdge is not authorised or regulated by the Financial Conduct Authority (FCA).
CONSULT PROFESSIONALS: Always consult a qualified, FCA-regulated financial adviser before making investment decisions or financial commitments.
AI LIMITATIONS: AI-generated content may contain errors, omissions, or biases. The accuracy and completeness of information cannot be guaranteed.
4. User Responsibilities
- Use the Service for lawful purposes only
- Not rely solely on AI-generated content for financial decisions
- Conduct independent research and verification
- Understand the limitations of AI-generated analysis
- Not redistribute or resell content without permission
5. Limitation of Liability
To the maximum extent permitted by English law, GiltEdge and its creators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from use of or inability to use the Service, reliance on AI-generated content, financial losses from investment decisions, errors or omissions in content, or system downtime or technical issues.
6. Data Sources
The Service uses data from:
- Bank of England (IADB)
- Office for National Statistics (ONS)
- Federal Reserve Economic Data (FRED) — UK series
- HMRC / GOV.UK
- UK financial news sources
While we strive for accuracy, we cannot guarantee the completeness, accuracy, or timeliness of all data.
7. Intellectual Property
The Service and its original content, features, and functionality are owned by GiltEdge and are protected by international copyright, trademark, and other intellectual property laws.
8. Governing Law
These terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.
9. Changes to Terms
We reserve the right to modify these terms at any time. Continued use of the Service after changes constitutes acceptance of the modified terms.