The legal bits

This site collects as close to nothing as a website can.

• There are no accounts, no sign-up forms and no email capture. The starter checklist is a straight download.
• No analytics or advertising scripts run on this site today. If that changes, this page will say so first.
• The calculator's "Save This Plan" button stores your numbers in your own browser's localStorage. That data never leaves your device and we cannot see it. Clearing your browser data deletes it.
• The site is served by Cloudflare, which keeps standard, short-lived server logs (IP addresses, request times) to run and protect the service.
• Outbound links go to third-party sites with their own privacy policies, which we do not control.

By using this site you agree to the following, all of which is standard:

• The content is provided for general education and information only, with no warranties of any kind.
• Nothing here is financial, investment, tax or legal advice, and nothing here creates an adviser relationship.
• You are responsible for your own decisions. We accept no liability for losses arising from acting on anything published here.
• Third-party sites linked from here are not our responsibility.
• Content may be updated, corrected or removed at any time.

Not financial advice. Everything on this site is educational. All investments carry risk, including the loss of the money you put in. Past performance does not guarantee future results. Speak to a licensed financial adviser before making investment decisions.

Illustrative figures. Every income figure, projection and scenario on this site is an illustration based on stated assumptions, not a record of real accounts and not a promise of results. Most people who try any passive income model earn less than the headline figures, and many earn nothing.

Affiliate disclosure. Some outbound links on this site may be or may become affiliate links. If you buy something through one, the site may earn a commission at no extra cost to you. This never changes what gets recommended.

Who runs this site. PassiveFlow is operated from the United Kingdom by Jon Blades, trading as PassiveFlow. The site is aimed at a general international audience; product examples reference US providers and US dollar figures for illustration.