MarketReview publishes general information for a broad audience. Our articles are not prepared for any specific reader and are not based on an assessment of your income, savings, debts, dependants, tax position, investment experience, financial goals or ability to absorb loss.
A product or strategy discussed positively in an article may still be unsuitable for you. Equally, a risk or limitation that matters greatly to one reader may be less significant to another.
Nothing on MarketReview should be interpreted as an instruction to buy, sell, hold, apply for, cancel or otherwise transact in a security, investment, credit product, insurance policy, bank account or other financial product.
References to financial products, companies, markets or strategies are provided for educational, analytical or reporting purposes. They do not constitute an offer, solicitation or personal recommendation.
MarketReview is not a bank, lender, broker-dealer, investment adviser, insurance provider, accounting practice, tax adviser or law firm. We do not hold funds, execute transactions, issue credit, manage investments or make decisions on behalf of readers.
Before making a significant financial decision, consider whether you need advice from a properly qualified professional who can evaluate your individual circumstances and the rules applicable where you live.
No Professional or Fiduciary Relationship
Reading MarketReview, subscribing to an email, submitting a contact form or communicating with the publication does not create a professional-client, adviser-client, fiduciary, attorney-client, accountant-client or similar relationship.
MarketReview does not undertake a duty to monitor your financial circumstances, warn you about changes affecting you or recommend action based on your individual situation.
Messages sent through our Contact Us page may receive a general response, but they should not be used to request personalized investment, tax, legal, accounting or financial advice.
A response to a reader’s question does not become individualized professional advice merely because the question includes personal information. Readers should avoid sending bank credentials, payment-card details, passwords, tax documents, identification numbers or other sensitive financial information through ordinary email or website forms.
An individual writer or contributor may have experience in a particular area of finance. Unless clearly stated otherwise, their MarketReview content is still published as general editorial information rather than as a regulated professional service.
Any professional titles or qualifications described on the website relate to the contributor concerned. They do not mean that MarketReview itself provides regulated advice or professional representation.
All investing involves uncertainty. Different investments and strategies carry different types and degrees of risk, and losses may include some or all of the money invested. The level of risk suitable for an individual depends on factors such as financial goals, time horizon, circumstances and tolerance for loss.
Market prices can rise or fall rapidly. Investments may be affected by economic conditions, interest rates, inflation, regulation, political developments, company performance, liquidity, currency movements and events that cannot be predicted reliably.
Higher potential returns often involve greater uncertainty or greater risk of loss. Describing an investment as lower risk does not mean that it is free from risk.
Diversification may reduce exposure to certain risks, but it cannot eliminate the possibility of loss. Holding an investment for a longer period also does not guarantee a positive return.
Historical returns, charts and previous market behaviour may provide context, but past performance does not necessarily predict future results. A strategy or investment that performed well during one period may perform poorly in another.
Any forecast, price target, economic outlook or discussion of a possible future result represents an estimate or interpretation based on information available at the relevant time. It is not a promise that the predicted result will occur.
MarketReview may discuss individual securities, funds, asset classes or trading strategies. Such discussion should not be interpreted as a recommendation for any particular person.
Readers should examine current official disclosures, product documents, fees, risks and eligibility requirements before investing. Where relevant, this may include reviewing a prospectus or other disclosure document provided by the issuer or financial institution.
Products, Rates, Calculations and Illustrations
Financial products and their terms can change without notice to MarketReview.
Interest rates, fees, rewards, bonuses, credit requirements, insurance coverage, lending conditions, investment costs and product availability may differ from the information that appeared when an article was researched.
A provider may change or withdraw a product after publication. Availability may also depend on residency, age, income, credit history, account type or another eligibility requirement.
MarketReview aims to identify relevant dates and jurisdictions where they materially affect the information. We cannot guarantee that every provider will notify us immediately when its terms change.
Readers should verify current information directly with the relevant provider before opening an account, submitting an application, purchasing a product or entering a financial commitment.
Examples and calculations used in MarketReview articles are generally intended to explain a concept. Unless clearly identified as actual historical data, example figures should be treated as hypothetical.
A calculation may omit costs, taxes, fees, inflation, changing interest rates or other factors that would affect a real outcome. Even when the arithmetic is correct, the result depends on the assumptions and information used.
Any calculator, table or interactive tool provided by MarketReview produces an estimate based on the data entered and the assumptions built into the tool. Its output should not be treated as a guarantee, quotation, approval decision or personalized recommendation.
Rates, returns and projections may be rounded for readability. Small differences in timing, compounding, fees, taxation or calculation methodology can produce different results.
Product rankings and descriptions such as “best,” “top” or “recommended” should be understood within the criteria and audience defined by the relevant article. No product can be assumed to be best for every reader.
Our Review Methodology: How We Rate page explains the principles we use when researching and comparing financial products.
MarketReview may explain general tax, legal or accounting concepts when they are relevant to finance.
Such content is educational and does not constitute professional tax, legal or accounting advice. It should not be used as the sole basis for filing a tax return, entering a contract, structuring a business, resolving a dispute or determining a legal obligation.
Tax rules, financial regulations and consumer protections differ between countries and may also vary between states, provinces or other local jurisdictions.
Rules can change after an article is published. Their application may depend on facts that a general article cannot assess.
A discussion of a law, regulation or tax treatment in one jurisdiction should not be assumed to apply elsewhere. When MarketReview identifies a country or jurisdiction, readers should still confirm that the information remains current and applies to their particular circumstances.
Official guidance can also distinguish between different types of taxpayers, investments, accounts and transactions. A general explanation may not cover an exception that affects you.
Readers dealing with significant tax, legal or accounting consequences should consider consulting an appropriately qualified professional in the relevant jurisdiction.
MarketReview does not represent readers before tax authorities, regulators, courts, financial institutions or other organizations.
Third-Party Content, Providers and External Links
MarketReview may link to websites operated by regulators, government agencies, financial institutions, companies, research organizations, publications and other third parties.
External links are provided for reference, attribution, further information or access to a product or service. A link does not automatically mean that MarketReview endorses every statement, product, service or practice of the destination website.
Third-party websites operate under their own terms, privacy policies and security practices. MarketReview does not control their availability, accuracy, content or future conduct.
A provider may change a page, remove information or redirect a link after it has been added to MarketReview. We may not discover those changes immediately.
Readers should confirm that they are visiting a provider’s genuine website before entering login details, making a payment or submitting personal information.
MarketReview does not determine whether a bank, lender, broker, insurer or other provider approves an application, offers a particular rate, executes a transaction or resolves a customer complaint.
Any agreement entered into with an external provider is between the reader and that provider, subject to the provider’s terms and applicable law.
MarketReview does not currently publish paid placements or earn commissions from affiliate links. If advertising or affiliate relationships are introduced, relevant commercial relationships will be disclosed in accordance with our Advertising & Affiliate Disclosure.
Accuracy, Availability and Responsibility
MarketReview aims to publish information that is accurate, clearly explained and reasonably current when it is researched or meaningfully updated.
However, financial information can become outdated, sources can contain errors and reasonable interpretations can differ. We cannot promise that every page will always be complete, current or suitable for every purpose.
MarketReview does not guarantee uninterrupted access to the website. Pages, features or tools may be changed, temporarily unavailable or removed for technical, editorial, security or other reasons.
Readers should not rely on MarketReview as the only source for an urgent, time-sensitive or high-value financial decision.
You are responsible for assessing the information, conducting any additional research you consider necessary and obtaining professional guidance when appropriate.
To the extent permitted by applicable law, MarketReview is not responsible for financial losses, missed opportunities or other consequences arising solely from reliance on general information published on this website.
Nothing in this disclaimer is intended to exclude or restrict any responsibility, duty or legal right that cannot lawfully be excluded or restricted.
Because legal rights and permissible disclaimer language differ between jurisdictions, this section should be read together with MarketReview’s Terms of Use and reviewed periodically as the website and its services develop.
If you believe information on MarketReview is inaccurate or materially outdated, please contact us and identify the relevant page and statement. Credible reports will be reviewed as promptly as practical.
Additional information about our standards is available in our Editorial Policy and How We Fact-Check pages.
