Privacy Policy

Last updated: September 2026

This site is operated by Gibb Financial Education Ltd, a company registered in England and Wales (company number 17381686), with its registered office at The Packhouse, Broadwater Farm, Broadwater Road, West Malling, Kent, ME19 6HT, United Kingdom ("we", "us", "our"). Gibb Financial Education Ltd is registered with the Information Commissioner's Office (ICO), registration reference ZC237588. Gibb Finance is a trading name of Gibb Financial Education Ltd. The Gibb Forward Curve^TM is an approach developed by founder Jigna Gibb, referenced throughout this site. This policy explains what information we collect when you use this site, and how we use it.

The calculators

The Budget Check and Interest Compounding Calculator run entirely in your browser. Nothing you type into them - income, costs, or any other figures - is transmitted to us, saved, or stored anywhere. No personal data is collected through these tools. Closing or refreshing the page clears everything you entered.

The newsletter and free guide sign-up

If you submit the sign-up form, we collect the email address (and optional first name) you provide. Kit is the email marketing platform we use to send you the free guide and our newsletter - you can find out more about them at kit.com. Kit is contractually required to handle your data in line with UK GDPR. You can unsubscribe at any time and we do not sell or share your details.

Lawful basis

We rely on your consent, given when you submit the sign-up form. You can withdraw this consent at any time by unsubscribing (a link is included in every email) or by emailing hello@gibbfinance.com.

Cookies and local storage

We keep cookies and similar technologies to a minimum. Following written confirmation from our email provider, Kit, here is what is actually set, and why.

Strictly necessary - no consent required. __cf_bm and cf_clearance are security cookies set by Cloudflare, our hosting security provider, to detect automated abuse and verify legitimate visitors. These are set on this domain for any visitor to this site, regardless of whether you use the newsletter sign-up form; an equivalent Cloudflare security cookie is also set on Kit's own script domain once that script loads.

Sign-up form - only loaded with your consent. The free guide and newsletter sign-up form itself is visible to every visitor, but nothing from Kit is set while you're simply looking at or filling it in. Kit's script, and anything it sets, only loads at the moment you tick the consent checkbox next to the submit button. That tick is how we obtain your consent before anything from Kit is set, and the form cannot be submitted until it's ticked. Once loaded, this includes:

a local storage entry called ckid - a randomly generated identifier used to prevent the same form being submitted twice, and to count how many times the form has been viewed for Kit's own analytics purposes. Kit has confirmed this is sent only to their own servers, is not shared with third parties, and is not used for cross-site tracking, advertising, or retargeting. Kit describes this identifier as anonymous; however, because it is tied to your browser, it can count as personal data under UK GDPR once linked to an actual sign-up - see below. Kit has not told us how long this identifier is kept on your device; if you would prefer it not to persist, you can clear your browsing data (cookies and site data, not just cookies alone) for this site at any time through your browser settings;
once you submit the form, two short-lived cookies used only within the confirmation overlay shown on this page (not elsewhere on the site): mailapp_session (around 10 minutes) and XSRF-TOKEN, both used to process your sign-up securely;
if you confirm your subscription by email, you will briefly pass through a page hosted by Kit which sets a fraud-prevention cookie from Stripe (named m). This happens regardless of whether payment is involved, and is not something we can currently switch off or control directly.

Remembering that you've subscribed. Once you submit the form, Kit sets a local storage entry named cksubscribed- followed by our form's ID (for example, cksubscribed-1e21d73726), marking your browser as already subscribed so the sign-up form is not shown to you again. This has no set expiry. If you would prefer this not to be remembered, you can clear your browsing data (cookies and site data, not just cookies alone) for this site at any time through your browser settings, free of charge, and the form will be shown to you again.

Some of these items are randomly generated identifiers tied to your browser. Once linked to an actual sign-up, they can count as personal data under UK GDPR regardless of how Kit itself describes them, and we treat them accordingly - see "Your rights" below. See Kit's own privacy policy for more detail on what they set.

Retention

We keep your email address for as long as you remain subscribed. If you unsubscribe or ask us to delete your data, we aim to remove it within 30 days, other than a minimal record Kit may retain on a suppression list, solely to ensure we do not contact you again.

Sharing

We do not sell or share your details with third parties, other than Kit, who processes them on our behalf as a data processor.

Your rights

Under UK GDPR you have the right to access, correct, or delete your data. To exercise these rights, email us at hello@gibbfinance.com - we will respond within one month, as required by UK GDPR. You can also complain to the Information Commissioner's Office (ICO) if you believe we have handled your data improperly.

Contact

If you have any questions about this policy or how we handle your data, contact us at hello@gibbfinance.com.

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Terms of Use & Disclaimers

Last updated: September 2026

1. Disclaimer and limitation of liability

Nature of the site and tools. This site is made available by Gibb Financial Education Ltd (trading as Gibb Finance), a company registered in England and Wales (company number 17381686). This site may be withdrawn at any time for such period as Gibb Financial Education Ltd determines.

Financial education. The site is intended to provide financial education and free calculation tools only. Gibb Financial Education Ltd is not authorised or regulated by the Financial Conduct Authority ("FCA") and does not carry on any activity regulated by the FCA.

No advice. Nothing on this site is intended to be, nor is it intended to constitute, a personal recommendation or advice on the merits of any particular investment, as defined under Article 53(1) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, for any particular individual. Nothing on this site is intended to be relied upon as financial advice by a user.

The Budget Check and Interest Compounding Calculator perform arithmetic on figures entered by the user only. They do not assess the user's personal circumstances, tax position, or financial objectives, and do not recommend any product, provider, or course of action. All figures are displayed in pounds sterling (£).

No artificial intelligence tools are used in the calculations carried out by, or provision of information through, the Budget Check and Interest Compounding Calculator.

2. No reliance

All content, case studies, worked examples, growth rates, and projected outcomes on this site are hypothetical and provided for illustrative and educational purposes only. They do not constitute a forecast or projection of any specific investment outcome. They are not tailored to the risk appetite of any user, or their willingness to lose money. Past performance is not a reliable indicator of future results. No user should rely on any content, case studies, worked examples, growth rates, and projected outcomes on this site as a basis for making any financial or investment decision.

Before making any significant financial decision, users should consider their needs and the merits of seeking independent advice from a financial adviser authorised by the Financial Conduct Authority. Users may verify authorisation on the FCA Register at register.fca.org.uk.

3. Limitation of liability

Nothing in this disclaimer excludes or limits Gibb Financial Education Ltd's liability for:

death or personal injury caused by its negligence;
fraud or fraudulent misrepresentation; or
any other liability that cannot lawfully be excluded or restricted under applicable law, including the Unfair Contract Terms Act 1977 and the Consumer Rights Act 2015.

Subject to the above, because this site is intended to provide general educational information and calculation tools for free and is not tailored to any individual's circumstances, Gibb Financial Education Ltd does not accept liability for any financial loss or damage arising from decisions taken by a user in reliance on the content or outputs of this site, or the information provided by a user in their use of the site.

Users are required to read these terms before using this site or any of its tools. By accessing or using this site, users are deemed to have received notice of and assented to the terms of this disclaimer.

4. User indemnity

The user agrees to indemnify, defend, and hold harmless Gibb Financial Education Ltd, its officers, directors, employees, agents, and suppliers from and against all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of:

any misuse of this site or its tools by the user; or
any breach by the user of the terms of this disclaimer.

5. Acceptable use

Users must not misuse this site or its tools, including by attempting to gain unauthorised access to any part of the site, introducing malicious code, or using the site for any unlawful purpose.

6. Geographical scope

This site is directed at users resident in the United Kingdom. Users accessing this site from outside the United Kingdom do so at their own risk and are responsible for compliance with local laws applicable to them.

7. Contact

Questions regarding this disclaimer should be directed to Gibb Financial Education Ltd at hello@gibbfinance.com.

8. Risk

Deciding to make or not to make investment decisions involves risk. Whilst this site makes no recommendations for any investment decisions, there are some essential risks to be taken into account.

Capital at risk. The value of any investment can go down as well as up, and you may get back less than you put in as a return on investment.
No guaranteed returns. Past performance of any investment is not a reliable indicator of future results. Returns are not guaranteed.
Market volatility. Investments can be affected by news events, market conditions, currency movements, and economic changes, which may affect investments in different ways depending on where you have invested.
Illiquidity risk. Depending on the choices you make, you may not be able to access your money quickly, and selling your investment early could mean getting back less than you invested.
Product-specific risk. Particular products you may choose will involve different risk profiles and may not be suitable for your investment appetite. Consider whether you can afford to take the risk of losing your money.

9. Defined terms

"Financial Conduct Authority" means the body responsible for regulating financial services firms and financial markets in the United Kingdom.

"Regulated Activity" means an activity specified in the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, including advising on the merits of investments under Article 53(1) thereof.

"Site" means the website operated by Gibb Financial Education Ltd at https://gibbfinance.com, including all content and tools made available through it.

"Tools" means the Budget Check and Interest Compounding Calculator made available on the Site.

"User" means any individual who accesses or uses the Site or the Tools.

10. Intellectual property

All content on the Site, including the Gibb Forward Curve^TM methodology and all educational materials, is the intellectual property of Gibb Financial Education Ltd and may not be reproduced or distributed without prior written consent, which will only be given if Gibb Financial Education Ltd so determines, on such terms as it sees fit.

11. Third-party links

Gibb Financial Education Ltd accepts no responsibility for the content, accuracy, or practices of any third-party websites linked from the Site.

12. Variation of terms

Gibb Financial Education Ltd may amend this terms of use and disclaimer at any time, with the amended version taking effect upon publication on the Site. Users are advised to review the disclaimer periodically.

13. Severability

If any provision of this disclaimer is found to be unenforceable, the remaining provisions shall continue in full force and effect.

14. Governing law

This terms of use and disclaimer is governed by and construed in accordance with the laws of England and Wales, and disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.