Terms, Disclosures & How to Use This Website

Welcome to FreshStartWealth.

This page has been designed to provide clarity, transparency, and straightforwardness. We aim to eliminate any legal ambiguities and avoid using fear-based tactics. Instead, we’re presenting clear information about this website’s functionality, its intended purpose, and its limitations.

If your goal is to enhance your financial literacy and confidence, you are in the right place.

Quick Navigation

• How to Use This Website
• Important Risk Warning
• Regulatory Status Disclosure
• Terms of Use & Conditions
• Privacy & GDPR Information
• Contact Information

How to Use This Website

FreshStartWealth is an educational website.

It is designed to help you:

• Understand money concepts more clearly
• Feel calmer and more confident about finances.
• Understand the simple ideas of planning your money, saving for the future, investing wisely, and creating a stable life.
• Take small, practical steps at your own pace.

The content here is written for beginners and late starters — especially people who feel overwhelmed, behind, or unsure where to start.

You can use this website by:

• Reading articles at your own pace
• Learning concepts in simple, plain English
• Applying ideas in ways that fit your personal situation
• Skipping anything that doesn’t feel relevant right now

There is no “right” order, no pressure, and no expectation that you do everything at once.

FreshStartWealth is here to support learning, not to tell you what to do.

Important Risk Warning

Some topics on this website include saving, investing, debt, and long-term financial planning.

It’s important to understand that:

• All investing carries risk.
• The value of investments can go down as well as up.
• You may get back less than you put in.
• Past performance results do not guarantee future results.

Nothing on this website guarantees outcomes or results, which means you should be cautious and not rely solely on the information provided for financial decisions.

Any examples used are for illustration and education only.

You are always responsible for your own financial decisions, which empowers and holds you accountable. Acting only when something feels appropriate for your personal circumstances encourages careful and confident decision-making.

Regulatory Status Disclosure

FreshStartWealth is not a regulated financial adviser.

This website does not provide:

• Personal financial advice
• Investment recommendations
• Tax advice
• Legal advice

All content is provided for general educational and informational purposes only.

If you require personalised advice, consider speaking to a UK-authorised and regulated financial adviser, accountant, or other qualified professional. Nothing on this website should be interpreted as a substitute for professional advice.

Terms of Use & Conditions

By using this website, you acknowledge that you understand and accept these terms, which help build trust and clarity for users.

All content on this site is provided for informational and educational purposes only.  We do not guarantee that the information is complete, accurate, or suitable for your personal circumstances. We aim to keep our content on this website accurate, informative and up to date. Financial rules, thresholds, and regulations can change. We do not guarantee that all information will always be current.

You agree not to rely solely on the content as a substitute for professional financial or legal advice, and to encourage responsible use and decision-making.

All content on this website is considered the intellectual property of the respective owners of this website unless explicitly stated otherwise, and may not be copied or reused without prior permission.

Use of Content

• All content on FreshStartWealth is owned by or licensed to FreshStartWealth.
• You cannot copy, share, or publish this content without permission.
• You may use the information for personal, non-commercial learning.

No Liability

• FreshStartWealth is not responsible for decisions you make based on the content.
• We are not liable for losses, damages, or outcomes resulting from the use of this website.
• You use the information at your own discretion.

Accuracy

• We aim to keep our content on this website accurate, informative and up to date.
• Financial rules, thresholds, and regulations can change.
• We do not guarantee that all information will always be current.

Changes to These Terms

• These terms may be updated from time to time.
• Continued use of the website means you accept any updates.

These terms may be updated from time to time.Continued use of the website means you accept any updates.

We disclaim and limit our liability for any potential damages or losses that may result from the use of this website. The legal framework of England and Wales governs these terms.

Privacy & GDPR Information

FreshStartWealth respects your privacy.

What We Collect

We may collect limited personal data, such as:

• Email addresses (if you subscribe to a newsletter)
• Basic website usage data (via analytics tools)

How Your Data Is Used

• To provide content you request
• To improve website performance
• To communicate updates if you opt in

We do not:

• Sell personal data
• Share personal data with third parties for marketing
• Collect sensitive personal or financial data

Your Rights (UK GDPR)

Under UK GDPR, you have the right to:

• Access your personal data
• Request corrections
• Request deletion
• Withdraw consent at any time

If you have any privacy-related questions, you can contact us using the details below.

Contact Information

If you’d like to get in touch, you’re welcome to do so.

Email: support@freshstartwealth.com

You can contact us about:

• Website questions
• Content clarifications
• Technical issues
• General feedback

Please note:

• We cannot provide personalised financial advice
• We cannot review individual financial situations

We aim to respond within a reasonable timeframe.

A Final Word

FreshStartWealth exists to help people feel steadier with money — not pressured, judged, or sold to.

If something here helps you take one small, positive step forward, then it’s doing its job.

Thank you for being here.