MoneyChest is a financial community platform operated by DigitsFlow LTD, created to provide a space for open conversation, comparison, and shared experiences related to personal finance. MoneyChest is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide financial, investment, tax, or legal advice.

All information on MoneyChest — including posts, comments, articles, AI-generated content, summaries, alerts, tools, and discussions — is provided for general informational purposes only.

Nothing on MoneyChest should be interpreted as:

• Personal or tailored financial advice
• A recommendation or endorsement of a specific financial product
• An instruction to make, buy, sell, or change any financial decision
• A suitability assessment for any user

Always perform your own research and consult a qualified, FCA-regulated financial adviser before making financial decisions.

MoneyChest contains content created by users.

DigitsFlow LTD does not:

• Verify the accuracy of user content
• Guarantee that user statements are factual
• Endorse any user opinions
• Accept responsibility for decisions made based on user posts

User content may be inaccurate, outdated, incomplete, or misleading. Users are solely responsible for what they post.

MoneyChest may use artificial intelligence (AI) to generate, summarise, or display content.

AI-generated content:

• May contain inaccuracies or errors
• May misinterpret user queries
• Should not be considered financial advice
• May not reflect the views of DigitsFlow LTD

You agree not to rely solely on AI output when making financial decisions.

Some content on MoneyChest may contain affiliate links, partner links, or promotional material.

DigitsFlow LTD may earn a commission or benefit when you:

• Click on certain links
• Sign up for a service
• Make a purchase

Commissions do not influence the platform's content, listings, or opinions. You will never pay more because of an affiliate link.

MoneyChest may reference, review, or discuss companies that are authorised or regulated by the FCA.

DigitsFlow LTD:

• Does not endorse these third-party companies
• Is not responsible for their products or services
• Does not guarantee their accuracy, safety, reliability, or compliance

Your dealings with third-party companies are at your own risk.

By using MoneyChest, you acknowledge that DigitsFlow LTD is not liable for:

• Financial losses
• Business losses
• Loss of income, revenue, savings, or profits
• Decisions or actions taken based on platform content
• Errors, omissions, delays, or inaccuracies
• Damages arising from user posts, AI output, or third-party links

You use the platform entirely at your own risk.

MoneyChest is intended for users aged 18 or over. By using the platform, you confirm that you meet this requirement.

Your use of MoneyChest does not create any:

• Client–advisor relationship
• Fiduciary duty
• Professional service relationship

DigitsFlow LTD does not provide regulated services.

We do not guarantee:

• Continuous, secure operation
• Error-free access
• Uninterrupted availability

We may suspend, modify, or terminate features without notice.

By using MoneyChest, you confirm that:

• You have read and understood this disclaimer
• You agree not to rely solely on platform content for financial decisions
• You accept full responsibility for your actions

If you do not agree, you must stop using the platform.