Terms of Use

These terms apply when you use Stonekeel (this website, its guides, broker comparisons, calculators and embeddable widgets). By using the site you accept them. If you do not agree with them, please do not use the site.

The short version

• Everything here is education and general information, not personal advice.
• Investing puts your capital at risk. Decisions are yours alone.
• We work hard to keep figures accurate, but always verify with the provider before acting.
• Our calculators produce illustrations, not predictions or promises.

Education, not advice

Stonekeel publishes general information and educational content about investing, brokers, fees and related topics. Nothing on this site is personal investment advice, tax advice or legal advice, and nothing here is a recommendation to buy, sell or hold any investment, or to use any particular broker or platform. We do not know your circumstances. Using this site does not create an adviser or client relationship of any kind. If you need advice for your situation, speak to a suitably qualified professional in your country.

Risk

The value of investments can go down as well as up, and you may get back less than you put in. Past performance is not a guide to future returns. Any decision you make after reading this site is your own responsibility.

Accuracy of information

Broker fees, product terms and tax rules change often and can vary by country and account type. We verify figures against providers' own published pricing or reputable sources before we publish, and we date our fact checks, but we cannot guarantee that every figure is current or complete at the moment you read it. Always confirm the details on the provider's own website before opening an account or making a decision. If you spot an error, please tell us via the contact page and we will fix it.

Tools and calculators

Our calculators and tools produce simplified illustrations based on the numbers and assumptions you enter. They ignore factors that may matter in your case, such as taxes, inflation or changes in fees, unless the tool says otherwise. Their results are not forecasts, projections or guarantees, and should not be your only basis for a decision.

Third-party websites

The site links to third-party websites, including brokers' own pages. We do not control them and are not responsible for their content, availability or how they handle your data. A link is not an endorsement.

Embedding our widgets

You are welcome to embed our embeddable calculators on your own website using the snippets on our embed page, free of charge, provided you do not alter them, charge for access to them, or present them in a way that misrepresents Stonekeel or implies endorsement. We may change or withdraw the widgets at any time.

Our content

The content on this site (text, data, design and tools) belongs to Stonekeel unless stated otherwise. You may quote short excerpts with a link back to the source page. Do not republish whole articles, datasets or tools without our written permission.

Liability

To the fullest extent permitted by law, Stonekeel is not liable for any loss or damage arising from your use of this site or reliance on its content, including investment losses, lost profits or decisions made using our tools. Nothing in these terms excludes liability that cannot be excluded by law.

Governing law

These terms are governed by the law of the Republic of Cyprus, and any dispute is subject to the jurisdiction of the Cypriot courts, without affecting mandatory consumer protections you enjoy in your own country of residence.

Changes to these terms

We may update these terms from time to time. When we do, we will change the "last updated" date at the top of this page. Continuing to use the site after a change means you accept the updated terms.

Contact

Questions about these terms? Email us at [email protected].