Terms of Service

Last updated: 30 September 2026

Welcome to Stacking It. These terms govern your use of stacking-it.com (the "Site"). By using the Site you agree to them. If you don't agree, please don't use it.

1. About us

The Site is operated by [Legal entity name] ("Stacking It", "we", "us"), [registered address / company number]. You can contact us at hello@stacking-it.com.

2. Our content is not financial advice

Stacking It provides general information and education about money, credit, buy now pay later (BNPL), scams and related topics. It is not financial, investment, legal, tax or credit advice, and it does not take your personal circumstances into account. We are not authorised or regulated by the Financial Conduct Authority (FCA) to give regulated advice.

Before making financial decisions, do your own research and consider speaking to a qualified, regulated professional. Free, impartial help is available from MoneyHelper (moneyhelper.org.uk) and Citizens Advice. You use our content at your own risk.

3. Who can use the Site

The Site is intended for users aged 16 and over. If you are under 18, please make sure a parent or guardian is happy for you to use it.

4. Acceptable use

You agree not to:

use the Site for anything unlawful or fraudulent;
attempt to gain unauthorised access to the Site, our servers or other users' data;
introduce malware, or disrupt or overload the Site;
scrape or copy the Site at scale without our written permission; or
pretend to be us or misrepresent your connection with us.

5. Intellectual property

All content on the Site, including text, graphics, logos, images and design, is owned by or licensed to us and protected by copyright and other laws. You may view and share links to the Site for personal, non-commercial use. You may not reproduce or republish our content without our prior written consent.

6. Third-party links and mentions

The Site may mention or link to third-party companies, products and websites (including BNPL providers). We don't control them and aren't responsible for their content or services. A mention is not an endorsement. If we ever earn commission from a link, we will say so clearly.

7. Accuracy and availability

We aim to keep information accurate and up to date, but laws, products and scams change quickly. We give no guarantee that content is complete or current. The Site is provided "as is" and may change, be interrupted or be withdrawn at any time without notice, particularly while we are building it.

8. Limitation of liability

Nothing in these terms excludes or limits liability that cannot be excluded by law, including for death or personal injury caused by negligence, or for fraud. Subject to that, we are not liable for any loss or damage (including financial loss) arising from your use of, or reliance on, the Site or its content, and our total liability to you will not exceed £100.

9. Privacy and cookies

How we handle your personal data is explained in our Privacy Policy.

10. Changes to these terms

We may update these terms from time to time. The "last updated" date above shows the latest version. Continuing to use the Site after changes means you accept them.

11. Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, although if you live in Scotland or Northern Ireland you may bring proceedings in your local courts. This doesn't affect any mandatory consumer rights you have.

12. Contact

Questions about these terms? Email hello@stacking-it.com.