Important Information & Disclaimer

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At Wealth Desk, we are committed to making money management clearer, simpler, and more affordable. To keep everything transparent, the following points explain how our service works and what you can expect when using it.

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1. Educational Use Only – Not Regulated Advice

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• Wealth Desk provides financial education and coaching materials.

• We are not an authorised or regulated financial adviser, and nothing in our reports, website, tools, or communications should be taken as:

  • A personal recommendation

  • An instruction to buy, sell, or hold any financial product

  • A substitute for independent regulated advice

• If you need advice tailored to your personal circumstances, we encourage you to speak to a qualified and FCA-authorised financial adviser.

 

By using Wealth Desk, you acknowledge that all information is for educational purposes only and does not fall under the scope of regulated financial advice under the Financial Services and Markets Act 2000 (FSMA).

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2. AI-Powered Insights

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• Our reports are generated using a combination of financial education frameworks and secure artificial intelligence (AI) technology.

• While we carefully design our processes, AI-generated content may occasionally be incomplete, outdated, or contain inaccuracies.

• All outputs are intended as a starting point for learning and reflection, not as definitive or prescriptive financial guidance.

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3. Your Responsibility

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• The insights and materials we provide are designed to help you learn, reflect, and build financial confidence.

• You remain fully responsible for any financial decisions you make.

• We recommend that you:

  • Independently verify any figures or educational examples we provide.

  • Seek professional regulated advice before making financial or investment decisions.

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4. No Client–Adviser Relationship

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• Using Wealth Desk does not create a client–adviser, fiduciary, or regulated relationship.

• We do not act on your behalf, and no duty of care exists beyond providing educational materials.

• Our role is to provide general information and education only, not to manage your money or make recommendations.

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5. Data Protection & GDPR Compliance

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• Wealth Desk Limited complies with the UK General Data Protection Regulation (GDPR) and the Data Protection Act 2018.

• We collect and process the personal and financial information you provide solely to generate your Wealth Report and deliver our services.

• Key principles:

  • Lawfulness & fairness – We only process data with your consent or to fulfil our service.

  • Transparency – We explain clearly what data we use and why.

  • Data minimisation – We collect only what we need for your report.

  • Storage limitation – Data is retained only as long as necessary for service delivery or legal obligations, after which it is securely deleted.

  • Security – Appropriate technical and organisational measures are used to protect your data.

• We do not sell your data to third parties.

• You have full rights under GDPR, including the right to access, rectify, or erase your personal data, as well as the right to withdraw consent at any time.

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6. Use of Large Language Models (LLMs)

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• To generate your Wealth Report, we use AI language technology.

• This is applied only to structure educational insights from the information you provide.

• Your data is not used to train external systems, nor is it sold or shared with third parties outside the scope of service delivery.

• All processing is carried out in line with GDPR principles of lawfulness, fairness, transparency, minimisation, and security.

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7. Limits of Liability

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• We take great care to provide accurate and useful information.

• However, Wealth Desk cannot accept liability for any losses, damages, or consequences arising from reliance solely on our content.

• By using Wealth Desk, you agree that our maximum liability to you is limited to the total amount you have paid us in the preceding 12 months.

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8. Jurisdiction

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• Our services are primarily designed for users in the United Kingdom.

• This disclaimer and all use of our services are governed by the laws of England and Wales.

• Any disputes will fall under the exclusive jurisdiction of the courts of England and Wales.