Legal Disclaimer & Risk Warning

1. My Role and Regulatory Status

My name is Ruth David, and I am the creator of Scrimp & Spend. I am a financial educator and coach. It is very important for you to understand that I am not an FCA-authorised financial adviser. Scrimp & Spend is a financial education business, not a regulated financial advisory firm.

2. Nature of the Information Provided

All content provided on the www.scrimpandspend.com website, in my digital products, during my coaching services, and on my associated social media channels is for informational and educational purposes only.

The information is designed to provide you with the knowledge and tools to understand personal finance and investing, empowering you to make your own informed decisions.

3. What I Provide (and What I Do Not Provide)

• I Provide: General financial education, information on different types of financial products, guidance on financial concepts, and frameworks to help you build your own financial plan.
• I Do Not Provide: Regulated financial advice, personal recommendations to buy or sell specific investments, or any form of tailored advice based on your individual circumstances. The information I provide is not an inducement to trade or invest in any specific product.

4. Investment Risk Warning

All forms of investing carry risk. The value of your investments can go down as well as up, and you may get back less than you originally invested. Your capital is at risk. Past performance is not a reliable indicator of future results.

5. Your Responsibility

You are solely responsible for any and all financial decisions you make. The information provided by Scrimp & Spend should not be used as a substitute for your own research or for professional financial advice.

Before making any significant financial decisions, you should consider seeking independent financial advice from a qualified and FCA-authorised professional who can assess your personal situation.

6. Contact

If you have any questions about this disclaimer, please contact me at hello@scrimpandspend.com.