*Last updated: May 2026*
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expatover55.com is written by a British expat with nearly 40 years of lived experience on the Costa del Sol, Spain. This page explains what this site is, what it isn’t, and how to use it wisely.
Please read this before making any significant decisions based on content you find here.
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## General Information Only
The content on expatover55.com is provided for **general informational and educational purposes only**.
Nothing on this site constitutes:
– **Financial advice** — I am not a financial adviser, and nothing here should be treated as a personal financial recommendation
– **Legal advice** — I am not a lawyer, and nothing here should be treated as legal guidance
– **Tax advice** — I am not a tax adviser, and tax rules vary significantly by individual circumstance and by country
– **Medical or insurance advice** — I am not a medical professional or insurance broker
– **Immigration advice** — Visa rules change frequently and vary by nationality; nothing here replaces advice from a qualified immigration professional
Always seek independent professional advice from a qualified specialist before making important decisions about moving abroad, your pension, your healthcare, your taxes, or any financial matters.
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## Affiliate Disclosure
expatover55.com participates in affiliate marketing programmes. This means that some links on this site are affiliate links — if you click one and make a purchase or sign up for a service, I may earn a commission. **This comes at no additional cost to you.**
Current affiliate relationships include:
– **Wise** — international money transfer service
– **Fiverr** — online freelance marketplace
– **[Health insurance provider/s]** (international health insurance) coming soon
-**Hostinger ** (web host supplier)
-** OLSP ** (Affiliate marketing training )
Affiliate links are clearly disclosed in articles where they appear. The presence of an affiliate relationship does **not** influence my editorial opinion. I only recommend products and services I genuinely believe are useful to this community. If I think something isn’t good enough, I won’t recommend it — regardless of whether a commission is available.
In accordance with the UK’s Consumer Protection from Unfair Trading Regulations, the FTC guidelines (for US readers), and the EU’s consumer protection rules, all material connections between expatover55.com and third-party companies are disclosed.
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## Accuracy and Currency of Information
I make every reasonable effort to ensure the information on this site is accurate and up to date. However:
– **Visa rules, residency requirements, and immigration law change regularly.** Always verify current requirements directly with the relevant embassy, consulate, or a qualified immigration lawyer before making an application.
– **Tax rules change.** What applied last year may not apply this year. Always consult a cross-border tax specialist for advice relevant to your personal situation.
– **Costs and prices change.** Figures quoted for cost of living, health insurance premiums, property prices, and transfer fees are estimates based on research at the time of writing. They are illustrative, not guaranteed.
– **Health insurance terms vary.** Coverage details, exclusions, and premiums differ between providers and individual circumstances. Always read the policy documents in full before purchasing.
Articles are dated and updated periodically — check the “last updated” date at the top of each article. If you spot outdated information, please contact me and I will review it promptly.
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## Personal Opinion and Experience
Much of the content on expatover55.com reflects my personal experience and opinion based on nearly 40 years of expat life on the Costa del Sol, Spain. What has worked for me may not work for everyone. Individual circumstances — nationality, financial situation, health, family, personal preferences — vary enormously, and the right decision for one person may be wrong for another.
Reader stories and community contributions represent the personal experiences of the individuals involved, not the views or endorsements of expatover55.com.
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## Network Marketing Disclosure
This site documents my personal journey exploring a network marketing business opportunity. Articles about network marketing reflect my honest, real-time experience and opinion. They do not constitute an income guarantee or promise of financial results.
Network marketing income varies significantly between individuals and depends on personal effort, skill, market conditions, and many other factors. Income disclosure statements from any company I discuss are linked where available.
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## External Links
expatover55.com contains links to third-party websites. These are provided for convenience and information. I do not control these sites and am not responsible for their content, privacy practices, or accuracy. The inclusion of a link does not imply endorsement.
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## Limitation of Liability
To the fullest extent permitted by law, expatover55.com and [Your Name] accept no liability for:
– Any loss or damage arising from reliance on information published on this site
– Any errors, omissions, or inaccuracies in the content
– Any decisions made based on content found on this site without independent professional verification
You use this site and act on its content entirely at your own risk.
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## Copyright
All original content on expatover55.com — including articles, guides, and photography — is the copyright of [Your Name] unless otherwise stated. You are welcome to share short excerpts with a clear link back to the original article. Reproducing full articles without permission is not permitted.
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## Contact
If you have questions about this disclaimer, spot an error, or believe something on this site needs updating:
**Email:** howard@expatover55.com
**Website:** expatover55.com
I take accuracy seriously and welcome corrections.
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*This disclaimer applies to all content published on expatover55.com.*