Terms of use
Read the notes. Do not mistake them for advice.
These terms govern your use of the Cindyvivo website. They are written under the law of England and Wales and were last reviewed on 28 October 2026.
1. Who you are dealing with
The site is published by Cindyvivo, 29 Wanscow Walk, Henleaze, Bristol BS9 4LE, United Kingdom. Email [email protected]. Telephone +44 7363 177405. References to “we” and “the desk” mean that publisher.
2. What the site is
Cindyvivo publishes general information about emergency-fund habits for a UK audience. The articles, tables, illustrations and the calculator are educational. They are not personal financial advice, a financial promotion of a particular investment, or a recommendation that you save, spend, transfer or invest any amount of money. We are not authorised or regulated by the Financial Conduct Authority. We do not act as your adviser. Reading a page, using the calculator, or sending us an email does not create a client relationship, a duty of care to advise, or an agreement that we will manage your money.
3. Your decisions stay yours
You are responsible for decisions you make about your household. Rules on tax, ISAs, benefits, deposit protection and employment rights change. Figures we quote — including the FSCS deposit limit of £120,000 per eligible person per authorised firm from 1 December 2025, Personal Savings Allowance bands, and the adult ISA subscription limit — are given so you know what we checked and when. Confirm them with the organisation that owns the rule, including GOV.UK and fscs.org.uk, before you rely on them. Illustrated household budgets are invented to show arithmetic. They are not budgets for you.
4. No product sales
We do not arrange, sell or introduce savings accounts, insurance, credit or investments. We do not accept payment from product providers for mentions. If a paragraph names a public scheme or a public body, that is a signpost, not an endorsement of an outcome.
5. Using the site
You may read the pages, print them for your own household, and share a link. You may not copy the site onto another domain and present it as yours, scrape it in a way that degrades the service, attempt to break the host, or use the correspondence address to send malware, unlawful material, or marketing. We may refuse or ignore correspondence that asks us to give personal advice or to handle money.
6. Intellectual property
Unless we say otherwise, the text, layout, photographs and the Cindyvivo name and mark are owned by Cindyvivo or used with permission. You do not acquire ownership by visiting. Short quotations with a link and an attribution are welcome. Reproducing a whole guide, or using the photographs in advertising, needs written permission from [email protected].
7. Liability
The site is provided in good faith and we take care with the public rules we describe. We do not warrant that the site will be uninterrupted or free of error. To the extent the law allows, we exclude liability for loss of profit, loss of savings interest, loss of opportunity, or decisions you take about your own money after reading the site. We do not exclude liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that the law of England and Wales says we cannot exclude, including rights you have under the Consumer Rights Act 2015 where they apply to a consumer.
If we are liable for a loss that we are allowed to limit, and the loss is not one of the kinds we cannot limit, our total liability to you in connection with the site is limited to £100. You are using a free editorial site. That cap is a fair reflection of the arrangement.
8. External links
Links to GOV.UK, the FSCS, the ICO, MoneyHelper and similar public resources are provided for convenience. Those sites are not under our control and their terms apply once you leave. A link is not an endorsement of every page on that domain.
9. Privacy
Our Privacy Policy explains what personal information we handle. It forms part of these terms where it describes your use of the site.
10. Law and changes
These terms are governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction, except that if you live in another part of the United Kingdom you may also have the right to bring a claim in your local courts where the law gives you that right. We may update these terms by publishing a new version on this page with a new review date. Continuing to use the site after that date means you are reading under the new version.
Questions about these terms: [email protected] or +44 7363 177405.