Financial Guidance Disclaimer

Last updated: June 2026 · MoneyCents Limited

MoneyCents provides financial education and guidance only. We are not authorised by the Central Bank of Ireland to provide regulated financial advice. Nothing on this website constitutes a recommendation to buy, sell, or hold any financial product or service.

Who We Are

MoneyCents Limited is a financial education and guidance company registered in Ireland. We operate moneycents.ie to help everyday Irish people understand and manage their personal finances through tools, content, and curated deals.

We are not a financial adviser, broker, or investment firm. We are not authorised or regulated by the Central Bank of Ireland under the Investment Intermediaries Act 1995, the Consumer Credit Act 1995, or any other financial services legislation.

What We Provide

Everything on MoneyCents — including articles, guides, tools, calculators, newsletters, and deal listings — is:

General financial education and information only
Not tailored to your individual financial circumstances, goals, or needs
Not a substitute for regulated professional financial advice
Not a recommendation to take or refrain from any financial action
Provided in good faith but without guarantee of accuracy or completeness

Our Tools and Calculators

Our budgeting tools, cashflow planners, and calculators are designed to help you organise and visualise your finances. The outputs are illustrative only and based entirely on the information you enter. They should not be used as the sole basis for any financial decision.

Partner Deals and Offers

MoneyCents may present deals and offers from third-party financial and commercial partners. Please be aware:

We may receive commission when you use a partner offer
Inclusion of a deal on MoneyCents is not an endorsement or recommendation
You should read all terms and conditions before taking up any offer
MoneyCents is not responsible for the products or services of third-party partners

When You Should Seek Professional Advice

We strongly recommend seeking regulated, professional financial advice before:

Taking out a mortgage or significant loan
Making investment decisions
Planning for retirement or long-term financial goals
Purchasing insurance products
Making significant changes to your financial arrangements

Finding a regulated financial adviser in Ireland: You can verify whether a firm or individual is authorised to provide financial advice by checking the Central Bank of Ireland's online register at registers.centralbank.ie. Always check before acting on financial advice from any source.

Accuracy of Information

We make every effort to ensure the information on MoneyCents is accurate and up to date. However, financial products, interest rates, regulations, and market conditions change frequently. We cannot guarantee that all information is current and recommend you verify any figures directly with the relevant provider before making decisions.

Limitation of Liability

To the fullest extent permitted by Irish law, MoneyCents Limited accepts no liability for any financial loss, damage, or costs you may suffer as a result of relying on any content, tool, or information on this website. For full details, please read our Terms of Service.

Questions

If you have any questions about this disclaimer or our services, please contact us at info@moneycents.ie.