Last updated 28 October 2026
Terms and conditions
These terms govern your use of the Operandultra website. They are a contract about a blog. They are not a contract of financial advice.
1. Who we are
The site is published by Operandultra, 4 Lawrence St, Buckhaven, Leven KY8 1BQ, UK. Contact [email protected] or +44 7911863491. References to "we" and "the desk" mean that publisher.
2. The site is general information
Articles describe common UK money mistakes and point to public rules. They are not personal financial advice, not tax advice, not a recommendation of any investment, insurance, lender, or pension scheme, and not an invitation or inducement to engage in investment activity. We are not authorised or regulated by the Financial Conduct Authority. You remain responsible for any decision you take. Figures can change after a page is published. Check GOV.UK, MoneyHelper, the FSCS, The Pensions Regulator, or an FCA-authorised adviser before you rely on a number.
3. No client relationship
Emailing the desk, using the contact form, or phoning the published number does not make you a client and does not create a duty to advise. We may decline to answer a question that would amount to regulated advice or that asks us to handle account data. Do not send account numbers, full card numbers, or National Insurance numbers.
4. Acceptable use
You may read, print, and share links to the pages for personal, non-commercial use if you do not suggest that we endorsed you. You may not scrape the site in a way that degrades it, attempt to break it, post our pages as your own advice service, or use the correspondence channels to harass the desk. We may ignore messages that do any of that.
5. Intellectual property
The text, layout, and original images on this site are owned by Operandultra or used with permission. You may quote a short passage with a link to the page. You may not copy a full guide onto another site, sell it, or feed it out as an automated advice product. Trademarks of banks, government bodies, and other firms remain theirs. Mention of a public body is not an affiliation.
6. Third-party links
Guides link to GOV.UK, MoneyHelper, the FSCS, the FCA and The Pensions Regulator so you can read the source. Those sites have their own terms. A link is not an endorsement of every page on that domain and not a statement that the linked page will stay unchanged.
7. Liability
The site is provided in good faith and is checked against public sources when a page is dated. To the extent the law allows, we exclude liability for loss arising from use of, or inability to use, the general information on the site, including decisions to save, borrow, opt out, invest, or buy insurance. We do not exclude liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot be excluded under the law of Scotland. Because the information is general, it may not fit your circumstances even when it is accurate on its own terms.
8. Availability
We may change, correct, or remove a page without notice when a rule changes or an error is found. We do not promise that the site will be uninterrupted.
9. Privacy
Personal data is handled as described in the Privacy Policy, which is part of the way the site operates but is its own notice under data protection law.
10. Law and courts
These terms are governed by the law of Scotland. The courts of Scotland have jurisdiction, without limiting any mandatory right you have as a consumer to bring a claim in your local courts where the law gives you that right.
11. Changes to these terms
If we change these terms, we will change the date above. The version on this page is the version that applies to your use after that date. If you do not agree, stop using the site.