All content, features, and calculations provided within giltedge are for general educational and illustrative purposes only.

Not a substitute for advice: giltedge projections are not a substitute for professional financial advice. You should not make significant financial decisions — including pension drawdown strategies, investment decisions or retirement planning — based solely on giltedge outputs.

No personalised recommendations: Nothing in giltedge takes into account your full financial circumstances, risk tolerance, or personal objectives in the way that regulated financial advice would.

Seek professional guidance: Before making any real-world financial commitments, asset disposals, or changes to your investment strategy, we strongly recommend consulting a qualified Independent Financial Adviser (IFA), tax adviser or pension specialist.

giltedge's engine models UK tax in real detail — including the personal allowance taper for incomes over £100,000, National Insurance, and a per-holder calculation that taxes you and a partner separately where relevant. The limitations below describe what's genuinely simplified or not yet covered, not the whole picture.

*Currency:** All inputs, variables, and projections are processed strictly in UK Pounds (£).

*Growth Rates:** Universal default growth rates provided within the app serve as flat baseline benchmarks for broad illustration only. They do not represent market forecasts, guaranteed returns, or economic predictions, and they should be overridden by you to reflect your own expectations.

*Capital Gains Tax (CGT):** Automated CGT estimates apply flat rates of either 18% or 24%, based on a tax band calculated from your actual modelled income and gains for the year — not a band you declare yourself. The engine does not calculate complex split-band liabilities, where a single gain straddles multiple tax thresholds within one calculation. Gains are estimated as a fixed proportion of an asset's value rather than tracked against your actual original purchase price (no cost-basis tracking).

*Tax Exemptions:** The calculation logic automatically subtracts the current statutory individual Annual Exempt Amount (£3,000) for the current tax year. It assumes this allowance is fully available to you and has not been utilised on external assets or investments not tracked within this app.

*Inheritance Tax (IHT):** Giltedge shows a basic warning comparing your projected estate value against the current nil-rate bands. This is not full IHT planning — gifting, the seven-year rule, spousal nil-rate-band transfer, and trust structures are not modelled.

*Excluded Liabilities:** This tool does not account for historical capital losses or international tax rates.

Other tax treatments or rates may not be fully modelled. See the Tax Methodology section within the app for the complete picture.

UK tax legislation, Individual Savings Account (ISA) allowances, and pension regulations are highly complex and subject to frequent legislative change by HM Revenue & Customs (HMRC) and the UK government.

* Projections are generic simulations based on rules active at the time of calculation and do not guarantee future real-world tax outcomes or portfolio performance.

* We do not provide automated push notifications, threshold alerts, or real-time legal updates. You are entirely responsible for monitoring your own tax liabilities.

Before making any real-world financial commitments, asset disposals, or changes to your investment strategy, you should seek independent professional guidance. For personalised financial or tax planning, please consult a qualified Independent Financial Adviser (IFA) or a certified tax accountant.

Terms of Service

giltedge — go.giltedge.app Last updated September 2026

1. What giltedge is

giltedge is a personal financial planning and forecasting tool for UK residents. It helps you model your financial future based on data you provide. It is not regulated financial advice. Please read the full disclaimer within the app before making any financial decisions based on giltedge projections.

2. Who operates giltedge

giltedge is operated by Giltedge LLP, registered in England and Wales (Partnership No. OC461578), 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ. For questions, contact us at hello@giltedge.app.

3. Eligibility

You must be 18 or over and a UK resident to use giltedge.

4. Your subscription

giltedge is offered on a monthly (£15/month) or annual (£150/year) subscription. A 14-day free trial is available to new subscribers. Your card will not be charged until the trial ends. After the trial, your subscription renews automatically at the rate you selected. You can cancel at any time via your account settings — cancellation takes effect at the end of your current billing period.

5. Refunds

We do not offer refunds for partial billing periods. If you believe you have been charged in error, contact us at hello@giltedge.app within 14 days.

6. Your data

You own your financial data. We store it securely on your behalf to provide the service. See our Privacy Policy for full details of how your data is handled. You can request deletion of your account and all associated data at any time.

7. Acceptable use

You may not use giltedge for any unlawful purpose, attempt to reverse-engineer the service, or share your account with others.

8. Liability

giltedge is a planning tool. We accept no liability for financial decisions made in reliance on giltedge projections. Our liability to you in any circumstances is limited to the subscription fees you have paid in the preceding 12 months.

9. Changes to the service

We may update giltedge features and pricing. We will give reasonable notice of any material changes affecting your subscription.

10. Governing law

These terms are governed by the laws of England and Wales.

Last updated September 2026.

What data we collect
We collect the financial data you enter into giltedge — asset values, income streams, expenses, personal details and assumptions. We also collect your email address for account creation and authentication.

How we store it
Your data is stored securely on Supabase, a hosted database service. Data is encrypted at rest and in transit. We use industry-standard security practices.

What we don't do

• We don't sell your data to third parties.

• We don't use your data for advertising.

• We don't share your data with financial product providers.

• We don't use your financial data to train AI models.

Third parties
We use Stripe for payment processing. Stripe handles your payment information directly and we do not store card details. We use Resend to send account emails such as sign-up confirmations and password resets, which means your email address is processed by them. We use Vercel to host the application. We may use Google Analytics to understand how the app is used (anonymised).

Your rights
You can request a copy of your data, correction of inaccurate data, or deletion of your account and all associated data at any time. Email us at hello@giltedge.app.

Cookies
We use essential cookies for authentication only. We do not use tracking cookies beyond Google Analytics (which can be opted out of via your browser settings).