Disclaimer: Educational Content, Not Professional Advice
Please read this page to understand what our content is, what it is not, and how to use it safely.
General Information Only
The content on RiskStance.com is published for general educational and informational purposes. It is not personal, financial, investment, tax, legal, insurance, accounting, cybersecurity or other professional advice, and it is not a recommendation to buy, sell or hold any product, policy or investment. By using this site you accept this Disclaimer. If you do not agree with it, please do not use the site.
In short: our guides help you understand risk and ask better questions. They cannot know your circumstances. Please speak to a qualified, and where required regulated, professional before you act.
No Professional Relationship
Reading our content, using our formulas or emailing us does not create an adviser-client, solicitor-client or any other professional relationship. RiskStance is not authorised or regulated by the Financial Conduct Authority or any other financial regulator, and we do not carry on regulated activities such as arranging or advising on insurance, mortgages or investments.
AI-Assisted Content
Our articles are well researched and created with a combination of AI tools and human writers and editors. People review and approve what we publish, but no process is perfect. AI-assisted material can contain errors, omissions or out-of-date information, and our human checks reduce those risks but cannot remove them entirely. Always verify important information against official sources before relying on it.
Accuracy and Currency
We try to keep our content accurate and current, but laws, rates, regulations, products and technology change quickly. We make no warranty that any page is complete, accurate, reliable or up to date. Rules also differ between the UK, US, EU and other countries, so something that applies in one place may not apply in another.
Examples, Calculations and Formulas
Figures, scenarios, case studies and formulas, such as runway in months, inherent and residual risk scores, reserve targets and stress tests, are illustrations. Recommended ranges, for example 3 to 6 months of living costs or 4 to 6 months of SME overheads, are general rules of thumb and not guarantees. Your own results will depend on your facts, and you should adapt any method to your situation with professional help where needed.
Financial, Insurance and Security Topics
- Financial: past performance and general examples do not predict future results. Investments and borrowing carry risk and you may lose money or lose your home if you do not keep up repayments.
- Insurance: policy terms, exclusions and prices vary between providers. Read the policy documents and seek regulated advice before buying or cancelling cover.
- Cybersecurity and data protection: no security measure is completely effective. Our guides are not a substitute for a professional security assessment or legal compliance advice.
- Health and income protection: we discuss these topics only from a financial planning perspective and do not provide medical advice.
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Testimonials, Opinions and User Messages
Opinions expressed on the site are those of the author at the time of writing and may change. Examples of other people’s experiences are not guarantees of similar outcomes.
Limitation of Liability
To the fullest extent permitted by law, RiskStance and its owner exclude liability for any loss or damage, whether direct or indirect, including loss of income, profit, savings, data or opportunity, arising from your use of, or reliance on, this site or its content. You use the site and act on its information at your own risk.
Nothing in this Disclaimer excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded under applicable law, including the rights of consumers under UK consumer legislation and similar laws in other countries.
Intellectual Property
Unless stated otherwise, the text, structure, graphics and design of this site are owned by RiskStance or its licensors and are protected by copyright. You may quote short extracts with a clear credit and a link back to the source. You may not republish, scrape or sell our content, or use it to train AI models, without written permission. To ask for permission, email hi@riskstance.com.
Governing Law and Changes
This Disclaimer is governed by the laws of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction, although consumers may also have rights to bring claims in their own country of residence. We may update this page at any time, and the date below shows the latest version. If you have a question about this Disclaimer, contact hi@riskstance.com.
Last updated: 7 November 2026.