Editorial Policy

Our editorial mission

Ask Fin aims to make financial information clear, accessible and useful for everyday UK adults. We believe that understanding your money should not require a financial qualification. Our content is written in plain English, avoids unnecessary jargon, and always directs readers to authoritative sources and free regulated services where appropriate.

All content on Ask Fin is general educational information only. It does not constitute regulated financial, debt, tax or benefits advice. We are clear about this distinction throughout our site.

Who creates Ask Fin content

Ask Fin content is created and reviewed by the Ask Fin Editorial Team, operating under Lendbulb Limited. Lendbulb Limited is authorised and regulated by the Financial Conduct Authority (FCA reference 1001324) as a credit broker.

Our editorial process draws on:

• Primary sources including GOV.UK, the FCA, the ONS, HMRC and Citizens Advice
• Regulated guidance from the Money and Pensions Service (MoneyHelper) and StepChange Debt Charity
• The FCA Consumer Credit Sourcebook and related financial services regulation
• Publicly available data from Companies House and the FCA Register

How we create content

Each guide and blog post on Ask Fin follows this process:

1. Topic identification: We focus on topics that UK households commonly need help understanding — budgeting, debt, benefits, saving and income.
2. Primary source research: Every factual claim is traced to a primary source (GOV.UK, FCA, ONS, HMRC or equivalent). We do not rely on secondary or unverified sources for factual statements.
3. Plain English drafting: Content is drafted with clarity as the primary goal. Financial terms are explained when first introduced.
4. Compliance review: All content that touches on regulated areas — debt, benefits, tax, pensions, credit — is reviewed against our compliance guidelines to ensure it is clearly positioned as educational information, not advice.
5. Editorial review: Content is checked for accuracy, readability and appropriate signposting to free regulated services.
6. Publication with date: All content is published with a clear last-reviewed date.

Review and update policy

Financial rules, benefit rates, tax thresholds and legislation change regularly. We aim to review all content at least annually, and more frequently for content covering areas subject to regular change (such as Universal Credit rates, energy price caps, and tax allowances).

Each guide and article shows a last-reviewed date. If you believe content is out of date or inaccurate, please contact us at help@askfin.co.uk.

YMYL and compliance standards

Personal finance content falls within Google's Your Money or Your Life (YMYL) category — content that could significantly affect a reader's financial situation. We treat this responsibility seriously.

Our standards for YMYL content:

• All debt-related content opens with prominent signposting to free regulated debt advice services (StepChange, National Debtline, Citizens Advice)
• All benefits-related content directs readers to official calculators (GOV.UK, Turn2Us, entitledto) for their specific situation
• All tax-related content is clearly marked as general information and directs readers to GOV.UK or a qualified tax adviser
• Ask Fin does not make eligibility decisions, provide personal recommendations or give regulated advice of any kind

Sources and citations

We cite primary sources throughout our content. The main authoritative sources we rely on include:

• GOV.UK — Official UK Government guidance on benefits, tax, employment and financial regulation
• Financial Conduct Authority (FCA) — Consumer credit regulation, firm authorisation and consumer protection rules
• Office for National Statistics (ONS) — Household spending data, economic statistics
• MoneyHelper — Government-backed money guidance
• StepChange Debt Charity — Debt guidance and consumer protection
• Citizens Advice — Free advice on debt, benefits and consumer rights

Commercial relationships and independence

Ask Fin is a subscription product (£4.99/month). Some content on the site includes affiliate links — where Ask Fin may receive a commission if you click through and make a purchase. These relationships do not influence our editorial content. Affiliate links are disclosed in our Affiliate Disclosure.

The Ask Fin Editorial Team operates independently from commercial considerations. We do not accept payment for positive coverage or product placement within our editorial content.

Corrections and complaints

If you believe any content on Ask Fin is factually inaccurate, misleading or out of date, please contact us at help@askfin.co.uk. We will review the content and update or correct it where appropriate, usually within 10 working days.

For formal complaints, please refer to our Complaints Policy.

AI-generated content

The Ask Fin AI companion (the Ask Fin chat tool within the app) uses artificial intelligence to generate responses. AI responses are clearly positioned as general guidance only, not regulated advice. They are subject to the same disclaimer standards as all other content on the site.

The editorial guides and blog posts on this site are written and reviewed by the Ask Fin Editorial Team and are not AI-generated outputs, though AI tools may be used to assist in research and drafting processes, subject to editorial review.

Contact us

For editorial enquiries: help@askfin.co.uk

Ask Fin is operated by Lendbulb Limited, Office 08, The Foundry, 10 Dolphin Centre, Poole, Dorset, BH15 1SR.