Legal and Regulatory Information

Ask Fin is a product of Lendbulb Limited.

You can verify Lendbulb Limited's FCA registration at register.fca.org.uk.

Lendbulb Limited is a credit broker, not a lender. The Ask Fin product is a general information and guidance subscription service. It does not involve lending, credit, investment, insurance, mortgage, or pension services.

Ask Fin is:

• A monthly subscription to 14 personal finance guidance and educational tools
• A general information and educational service
• A tool to help you understand your money, spot areas to explore, and take practical next steps
• A service for UK adults seeking general financial education and guidance

Ask Fin is not:

• A provider of regulated financial advice of any kind
• A lender, credit provider, or debt provider
• A regulated debt adviser or debt counselling service
• An investment firm, investment adviser, or pension adviser
• A mortgage broker or mortgage adviser
• An insurance intermediary or insurance adviser
• A benefits adviser or benefits decision-maker
• A tax adviser or tax agent
• A claims management company
• A payment service or e-money issuer

Ask Fin tools provide estimates, general information, and educational suggestions based on information you enter. Outputs are not advice, offers, guarantees, or confirmed outcomes of any kind.

Nothing on the Ask Fin platform — including tool outputs, AI responses, blog posts, guides, FAQs, or any other content — constitutes:

• Regulated financial advice
• A personal recommendation
• Regulated debt advice
• Regulated benefits advice
• Tax advice or tax guidance presented as professional opinion
• Investment advice or a personal recommendation to invest
• Pension advice
• Mortgage advice
• Insurance advice
• Legal advice

All content is provided for general information and educational purposes only. You should always seek advice from a qualified, authorised professional relevant to your specific circumstances before making financial decisions.

Useful resources for regulated advice and free guidance:

• MoneyHelper — free money guidance from the government
• Citizens Advice — free advice on debt, benefits and more
• Unbiased — find a qualified financial adviser

If you are struggling with debt, including missed payments or difficulty meeting bills, please contact a free debt advice service such as StepChange, National Debtline, or Citizens Advice. Ask Fin is not authorised to provide regulated debt advice.

Ask Fin tools provide estimates, suggestions and general guidance based on information you enter. Ask Fin does not guarantee any of the following:

• Savings of any amount
• Cashback being available, tracking, or paying out
• Benefit entitlement or eligibility
• Tax relief amounts or tax savings
• Income from any idea or suggestion
• Sale proceeds from selling items
• Discount or voucher availability
• Any financial outcome of any kind

Actual outcomes depend entirely on individual circumstances, third-party provider criteria, applicable law, market conditions, and factors outside Ask Fin's control. Results, outputs, and suggestions from Ask Fin tools are illustrative and educational only.

The Money Saved tracker records values entered by you. Ask Fin does not independently verify these amounts. Totals shown in the tracker reflect only values you have chosen to record.

Tool outputs, estimates, and suggestions may change as rules, rates, and market conditions change. Ask Fin makes reasonable efforts to keep information accurate and up to date but does not warrant the accuracy, completeness, or currency of any information at any given time.

Ask Fin may reference, link to, or suggest third-party services, platforms, and providers — including cashback platforms, voucher sites, selling platforms, income platforms, debt charities, and benefit calculators.

Ask Fin is not responsible for:

• The accuracy, availability, or terms of any third-party service
• Decisions made by any third-party provider
• Cashback failing to track or be paid
• Vouchers being expired, restricted, or unavailable
• Income platforms' terms, fees, or payment practices
• Any outcome arising from use of a third-party service

Always review a provider's own terms and conditions before using their service.

Affiliate arrangements: Ask Fin may participate in affiliate programmes. If you click certain links and proceed with a purchase or registration, Ask Fin may receive a commission from the provider. This does not increase the cost to you unless expressly stated. See our Affiliate Disclosure for more detail.

AI responses: Ask Fin uses artificial intelligence to provide general guidance responses. AI responses are based on the information provided and general training data. They are not personalised advice, do not take account of your full circumstances, and may occasionally be incomplete or inaccurate. Always verify important information before acting.

If you are unhappy with Ask Fin, we want to know. We take all complaints seriously and aim to respond promptly and fairly.

How to make a complaint:

We will acknowledge your complaint promptly and aim to resolve it within 8 weeks. If we are unable to resolve your complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service (FOS).

Please see our full Complaints Policy for more detail.