Affiliate Disclosure

FCA Financial Promotions Guidelines

Although UKCalculator.com is not a regulated financial services firm, we are mindful of the Financial Conduct Authority (FCA) rules on financial promotions. The FCA's guidelines (set out in the Financial Services and Markets Act 2000 and the FCA Handbook COBS 4) require that any financial promotion must be fair, clear, and not misleading.

Where we link to or mention financial products, services, or providers, we ensure that:

• All claims about financial products are accurate and verifiable
• Risks associated with financial products are given equal prominence to potential benefits
• Any affiliate relationship is clearly disclosed before you click through to a third-party provider
• We never recommend specific financial products or provide personalised financial advice
• Our calculators are presented as informational tools, not as substitutes for professional financial advice

If any content on our site contains a financial promotion, it will be clearly marked with a disclosure notice. We regularly review our content to ensure compliance with the latest FCA guidance, including their updated Consumer Duty requirements introduced in July 2023.

Advertising Standards

We comply with the Advertising Standards Authority (ASA) codes of practice, including the UK Code of Non-broadcast Advertising and Direct & Promotional Marketing (CAP Code). This means all advertising content on our site meets the following standards:

• Identifiable: Advertising content is always clearly distinguishable from editorial content. Sponsored content and advertisements are labelled as such.
• Truthful: We do not publish misleading advertisements. All claims made in advertisements on our site must be substantiated.
• Responsible: Advertisements for age-restricted products, gambling, or high-risk financial products follow ASA special category rules.
• Compliant with PECR: Any advertising cookies or tracking technologies are only activated after obtaining your explicit consent through our cookie consent mechanism.

We use Google AdSense and may use other programmatic advertising networks. While we implement controls on the categories of advertisements shown, we do not have direct control over every individual advertisement served programmatically. If you see an advertisement that you believe is inappropriate or misleading, please contact us and we will investigate and block it if necessary.

Our Editorial Independence Statement

Editorial independence is the foundation of trust at UKCalculator.com. We maintain a strict separation between our editorial content (calculators, guides, and educational articles) and any commercial relationships. Here is how we protect our editorial integrity:

• No pay-for-placement: Affiliate partners and advertisers cannot pay to influence our calculator results, rankings, or editorial recommendations.
• Independent testing: All calculators are built and verified independently against official government sources (HMRC, ONS, NHS), regardless of any commercial considerations.
• Transparent methodology: Our calculation methods are documented and verifiable. We show our working where possible so users can understand how results are derived.
• Editorial-first approach: Content decisions are made by our editorial team based on user needs and accuracy, not commercial interests. If a topic would be valuable to our users, we cover it regardless of whether it generates revenue.
• Regular audits: We periodically review all affiliate and advertising relationships to ensure they align with our editorial standards and do not compromise user trust.

If you have concerns about our editorial independence or believe any content has been influenced by commercial interests, please raise it through our contact form. We take such concerns seriously and will investigate promptly.