Financial disclaimer

Last updated: 5 November 2026

1. What Mint Canopy provides

Mint Canopy publishes general information about everyday household money in the UK. This includes budgeting, emergency funds, credit scores, savings goals, and the tools on this site: the Budget planner, Loan and EMI calculator, Savings goal, and Credit card payoff tool.

All content on this site is general information only. It is not personalised advice, a personal recommendation, or an offer to buy, sell, borrow, save, or invest in any product. All amounts are in pounds sterling (GBP).

2. Your circumstances are different

We do not know your income, debts, household commitments, tax position, or goals. Information that suits one household may not suit another. Before you act on anything you read here, check that it fits your own situation.

If you need advice tailored to you, consider speaking to an adviser authorised by the Financial Conduct Authority (FCA). You can check any firm or individual on the FCA Register. For free, impartial guidance on money and debt, you can also use MoneyHelper, a government-backed service.

3. Calculators and tools

Our tools produce estimates from the figures you enter. They are for illustration only.

Results depend on the inputs you provide. Incorrect or out-of-date inputs will produce incorrect results.

Loan and EMI figures do not include every fee, charge, or rounding rule a lender may apply. Your lender’s offer and key facts document are the authoritative figures.

Credit card payoff results assume the rate, payment, and balance you enter remain unchanged. Real balances, rates, and minimum payments can change.

Budget and savings figures are planning aids, not forecasts.

4. Affiliate links and commission

Some links on Mint Canopy are affiliate links. If you click one and go on to take out a product, we may receive a commission from the provider. You pay nothing extra.

Commission never decides our order, scores, or ratings. Our rankings follow our published methodology. We also state who a product is not for, including where it may not suit you.

5. Accuracy and changes

We work to keep content accurate and up to date, but rates, fees, eligibility rules, and product terms change. Content may be out of date or incomplete. Always check the current terms directly with the provider before you decide.

6. No guarantee of outcomes

Nothing on this site guarantees any financial result. Past performance or past examples do not predict future outcomes. Borrowing money or using credit has costs and risks, and missed payments can affect your credit file.

We are not responsible for any loss, cost, or decision made in reliance on this site. Use this content at your own judgement.

7. Third-party websites and products

This site links to third-party websites and product providers. We do not control their content, terms, or practices. Their inclusion does not mean we endorse them.

8. Who this disclaimer is for

This disclaimer applies to all visitors, including those who only read our guides or use our tools. If you are unsure whether a product or strategy suits you, take independent advice before you proceed.

9. Contact

If you have a question about this disclaimer or our affiliate relationships, please use the contact page on Mint Canopy.