Terms and conditions

These terms cover your use of the Clinkanteyoio website published at clinkanteyoio.click and operated from 16 Sweet Briar Cres, Newquay TR7 2JP, UK. Contact is [email protected] and +44 7457126650.

Not advice

Everything on this site is general information about financial independence milestones in the United Kingdom. It is not personal financial advice, not a recommendation to buy, sell, or hold any investment, and not a substitute for advice from a person or firm authorised by the Financial Conduct Authority. Clinkanteyoio is not an FCA-authorised advice firm and does not act as your adviser because you read a page or wrote us a letter.

Tax, ISA and pension figures change. The pages state the rules as published before the Autumn Budget on 28 October 2026. You must check current rules on gov.uk, or with a qualified adviser, before you act. The household calculator is an illustration of arithmetic you type in. It is not a forecast and not a plan.

No reliance

You must not rely on the site as the sole basis for a financial decision. To the extent the law allows, we exclude liability for loss arising from use of the site, including decisions about saving, debt, pensions, ISAs, housing, or work. Nothing on this site excludes or limits liability for death or personal injury caused by negligence, or for fraud, or for any other liability that cannot be excluded under the law of England and Wales.

Reader paths

Composite sketches are invented patterns drawn from the kinds of letters we receive. They are not statements about a real identified person and they are not evidence of results. Past decisions described there will not be repeated for you.

Using the site

You may read and share links. You may not copy the essays onto another site as if you wrote them, scrape the site in a way that degrades it, or attempt to break the calculator or the local storage used for your own checklist. The text, the layout and the photographs are owned by Clinkanteyoio unless a page says otherwise. You may quote a short passage with a link and credit.

Letters

Do not send account numbers, passwords, or copies of identification. We may decline to answer, or answer briefly, especially where a reply would become personal advice. A reply that points you back to a public page is not an instruction.

Law

These terms are governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction, except that you may also have rights that consumer law says cannot be taken away if you use the site as a consumer.