Support
Frequently Asked Questions
Answers to the questions we hear most often from freelancers and independent consultants evaluating Universal Markets.
Before You Ask
How Universal Markets Approaches Your Questions
Universal Markets was built for people who manage irregular income and need clear, honest answers rather than vague reassurances. Below we've addressed the practical questions that come up before, during, and after onboarding — from how forecasts are generated to how you can stop using the platform.
If your question isn't covered here, our contact page will connect you with someone who can help directly.
FAQ
Common Questions
What exactly does Universal Markets do?
Universal Markets analyses your income patterns and upcoming obligations to suggest how to allocate available capital — for example, between tax reserves, working capital, and short-term savings. It's a decision-support tool, not a bank or an investment manager.
Who is Universal Markets designed for?
Universal Markets is built primarily for UK-based freelancers and independent consultants who deal with variable income and need a structured way to plan around it, rather than reacting month to month.
Is Universal Markets a bank or a regulated investment product?
No. Universal Markets does not hold client funds, issue accounts, or manage investments on your behalf. It provides planning and allocation suggestions based on the information you provide; any resulting financial decisions and their execution remain your responsibility.
How are the forecasts and suggestions generated?
Forecasts are generated from the income, expense, and obligation data you input, combined with historical patterns. The methodology page on our site walks through the general approach in more detail, along with its known limitations.
What information do I need to provide to get started?
Typically you'll need a summary of recent income, recurring expenses, and any known upcoming obligations such as tax payments. The more accurate and current the data, the more useful the resulting suggestions will be.
Can Universal Markets guarantee a specific financial outcome?
No. All figures shown are estimates based on the data available at the time, and past patterns are not a guarantee of future results. Capital allocation decisions carry risk, and you should treat every suggestion as one input among several when making decisions.
How is my data kept private?
We collect only the information needed to generate your forecasts and suggestions. Full details on what is collected, how it's stored, and how you can request its deletion are set out in our Privacy Policy.
Can I change or correct the data I've entered?
Yes. You can update your income, expense, and obligation details at any time, and your forecasts will adjust accordingly on the next recalculation.
Is there a minimum commitment period?
There is no fixed lock-in requirement to continue using Universal Markets. Specific plan terms, if applicable, are outlined at sign-up and in our Terms of Service.
How do I cancel or stop using Universal Markets?
You can stop using the service at any time. If your plan involves a subscription, cancellation instructions and any applicable notice periods are detailed in our Terms of Service, or you can reach out via the contact page for assistance.
Does Universal Markets replace an accountant or financial adviser?
No. Universal Markets is a planning tool intended to complement, not replace, professional advice. For tax filings, legal structuring, or regulated financial advice, we recommend consulting a qualified accountant or adviser.
Who can I contact if I have a question that isn't answered here?
You can reach us through the contact page, and we'll do our best to respond with a clear, direct answer.