This disclosure policy is valid from 16 June 2014

This blog is a personal blog written and edited by me (Ricky Willis). This blog accepts forms of cash advertising, sponsorship, paid insertions, affiliates and other forms of compensation.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers’ own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

Cookie Policy

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third party applications like Google Analytics.

As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.


This blog may collect the following information:

Your Name
Your Contact information, such as an email address
This information will be used for internal record keeping, and to allow skintdad.co.uk to send you promotional emails about content on the site you might find interesting. This information will never be shared with a third party without your express consent, unless I am required to do so by law.

Further information

If you have previously agreed to skintdad.co.uk using your personal information then you can change your mind at any time by contacting me via my contact form. You may also request a copy of any data held about you by skintdad.co.uk under the Data Protection Act 1988. Such requests should be submitted via my contact form. A small charge may be made for providing this information.

If you believe any information skintdad.co.uk holds on you is incorrect or incomplete, please email as soon as possible to the above address. Any inaccuracies will be corrected as soon as possible.


I have no formal education and training in finance and am not a professional financial or debt advisor. Articles on this blog reflect my personal opinion or the opinion of the guest writers. All information provided is only that and cannot be construed as advice. In case of serious financial issues please seek advice from qualified professionals and organisations.