Disclaimer

First published: 25 January 2025

Last updated: 8 October 2026

The information provided on Little Money Matters (“the Site,” https://little-money-matters.blogspot.com/) is intended for general informational and educational purposes only. This Disclaimer explains the limitations of the information published on the Site and the responsibilities of readers who use it. Please read it carefully before relying on any content.

1. No Professional Financial, Investment, Tax, or Legal Advice

Content published on this Site, including articles about digital currency, equity investing, property investment, impact investing, automated investing, and peer-to-peer (P2P) lending, is not individualized financial, investment, tax, or legal advice.

The information is general in nature and may not be suitable for your personal circumstances, financial objectives, investment experience, risk tolerance, or legal and tax position. Reading our content should not replace obtaining advice from a qualified professional who can assess your individual needs.

Before making a significant financial, investment, tax, property, or legal decision, consider consulting an appropriately qualified professional in your jurisdiction. You are responsible for evaluating the suitability of any decision you make.

2. Accuracy and Currency of Information

We make reasonable efforts to publish clear, accurate, and useful information. However, we cannot guarantee that every article, statistic, calculation, rate, fee, product detail, or other statement is complete, accurate, or current at the time you read it.

Financial markets, cryptocurrency regulations, investment products, brokerage fees, property values, interest rates, tax rules, and consumer protections can change. Information may also differ between countries, states, platforms, and individual financial products.

Unless an article explicitly states otherwise, examples and calculations are intended to explain concepts rather than predict actual outcomes. Any illustrative figures or assumptions should not be interpreted as current market quotations, guaranteed rates, or promises of future performance.

Always confirm important information directly with the relevant regulator, government authority, financial institution, investment platform, product provider, or qualified professional before acting on it. Our Editorial Policy explains our general approach to researching, preparing, and updating content.

3. Investment Risks and No Guarantee of Returns

Investing involves risk, including the possible loss of some or all of the money invested. Different assets and strategies carry different risks, including market volatility, inflation, interest-rate changes, liquidity constraints, credit risk, currency movements, platform failure, fraud, and regulatory changes.

Digital assets and cryptocurrencies can be particularly volatile and may involve additional custody, cybersecurity, counterparty, and regulatory risks. Property investments may be affected by financing costs, vacancies, maintenance expenses, changes in property values, taxation, and difficulties selling an asset when needed.

Nothing published on this Site guarantees investment performance, profits, capital preservation, income, or any particular financial outcome. Past performance does not reliably predict future results, and forecasts or opinions may not prove correct.

You should never invest money you cannot afford to lose based solely on information published on this Site.

4. Third-Party Links, Products, and Services

Our articles may refer to or link to external websites, regulators, financial institutions, brokerages, investment platforms, exchanges, products, tools, or other resources for informational purposes.

We do not control external websites and cannot guarantee the accuracy, availability, security, suitability, or reliability of their content, products, or services. A reference or link does not necessarily constitute an endorsement or recommendation.

Third-party websites operate under their own terms, privacy policies, and practices. You should review the relevant information and independently assess any provider before sharing personal information, opening an account, purchasing a product, or transferring money.

5. Affiliate Links, Advertising, and Commercial Relationships

The Site may display advertising or, where applicable, contain affiliate links or other commercial links. If we receive compensation through an advertising or affiliate arrangement, this may help support the operation of the Site.

The presence of an advertisement, product mention, or external link does not guarantee that a product or service is suitable for you. You should independently assess its features, risks, terms, and costs before making a decision.

Where a material commercial relationship exists, we aim to disclose it in accordance with applicable requirements. Readers should not interpret advertising or commercial content as individualized financial advice.

6. No Professional or Advisory Relationship

Your use of this Site, including reading articles, following links, leaving comments, or contacting us, does not create a financial advisory, investment advisory, fiduciary, accountant-client, attorney-client, or other professional relationship between you and Little Money Matters or its author, Olukunle Fashina.

Unless expressly agreed in a separate written arrangement, we do not act as your financial adviser, investment manager, tax adviser, lawyer, broker, or agent. We do not assess your complete financial circumstances or make investment decisions on your behalf.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Little Money Matters and its author, Olukunle Fashina, disclaim liability for losses or damages arising from the use of, inability to use, or reliance on information published on this Site.

This includes, where legally permissible, direct, indirect, incidental, consequential, financial, investment, tax, or business losses. Nothing in this Disclaimer excludes or limits liability where such exclusion or limitation is prohibited by law, or any rights that cannot lawfully be excluded.

Readers remain responsible for their own research, decisions, and assessment of the risks associated with financial products, investments, property transactions, and other matters discussed on the Site.

8. Jurisdictional Differences

Little Money Matters provides general educational content primarily for readers in the United States and the United Kingdom, with potential relevance to readers in Canada, Australia, and other countries.

Financial regulation, tax treatment, investor protections, deposit protection, compensation schemes, and consumer rights differ by jurisdiction. A rule or product feature applicable in one country may not apply in another. Even within a country, rules may vary by state, region, account type, product, or individual circumstances.

Readers are responsible for identifying the laws and requirements relevant to their own location. References to institutions such as the SEC, IRS, FCA, or HMRC are provided for educational context and do not imply that the Site is affiliated with, approved by, or endorsed by those institutions.

9. External Information and Editorial Updates

We may revise, correct, or update published content when new information becomes available or when market conditions, product terms, or relevant rules change. However, we do not guarantee that every page will be updated immediately or that an article will remain current indefinitely.

A publication or update date should not be interpreted as a guarantee that every statement has been independently reverified on that date. Readers should check current primary sources for time-sensitive information before acting.

If you believe an article contains a factual error or outdated information, you may contact us through our Contact page.

10. Questions

If you have questions about this Disclaimer or wish to raise a concern about content published on Little Money Matters, please contact us through our Contact page.

Email: littlemoneymatters2@gmail.com

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This Disclaimer is provided for general informational purposes and does not constitute legal advice. It is not a substitute for reviewing the Site's actual practices or obtaining qualified professional advice. Because the Site may serve readers across multiple jurisdictions, this Disclaimer should be reviewed periodically to ensure that it accurately reflects the Site's content, commercial relationships, and applicable legal requirements.