Terms of Use

1. Overview

This website (the "Service") provides free UK financial calculators and educational resources. By accessing or using the Service, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Service.

2. Nature of the Service

The Service provides informational financial calculators covering UK mortgages, taxes, pensions, student loans, and other financial topics. These tools are for educational and informational purposes only and do not constitute financial, tax, legal, or professional advice.

3. No Professional Advice

The calculators and information provided are general in nature and may not account for your specific circumstances. You should not rely solely on these tools for making financial decisions. We strongly recommend consulting with qualified financial advisors, tax professionals, accountants, or other appropriate professionals before making any financial decisions.

4. Accuracy and Currency

While we strive to ensure all calculations and information are accurate and current as of the 2025/26 UK tax year, tax laws, rates, thresholds, and regulations change frequently. We make no guarantees regarding the accuracy, completeness, or timeliness of the information provided.

5. No Warranties

The Service is provided "as is" and "as available" without warranties of any kind. We do not warrant that:

• The Service will be uninterrupted or error-free
• The calculators will produce accurate results for your specific situation
• The information is complete, current, or suitable for your purposes
• Any errors or defects will be corrected

6. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service, reliance on calculations, financial decisions made based on information from the Service, or errors and omissions in the calculators or content.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to interfere with, disrupt, or reverse engineer the Service
• Use automated tools to scrape or extract data from the Service
• Reproduce or copy content for commercial purposes without permission
• Misrepresent results from our calculators as professional advice

8. Intellectual Property

All content, code, designs, calculators, and materials on this Service are protected by copyright and other intellectual property rights. You may use the calculators for personal, non-commercial purposes only.

9. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party websites is at your own risk.

10. Analytics

We use basic analytics tools to understand how visitors use the Service. For more information, please see our Privacy Policy.

11. Changes to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We may also update calculators, rates, and information as laws and regulations change.

12. Changes to These Terms

We may update these Terms from time to time. Updated versions will be posted on this page with a revised date. Your continued use of the Service after changes become effective constitutes acceptance.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Information

If you have any questions about these Terms, please contact us via our Contact Us page.