📄 Terms and Conditions
Please read these terms carefully before using our website
Last Updated: January 25, 2026
1. Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use this website.
2. Use of Website
2.1 Permitted Use
You may use this website for lawful purposes only. You agree to use the website in accordance with all applicable laws and regulations.
2.2 Prohibited Activities
You agree NOT to:
- Use the website in any way that violates any applicable national or international law or regulation
- Transmit any material that is defamatory, offensive, or otherwise objectionable
- Attempt to gain unauthorized access to any part of the website, servers, or networks
- Interfere with or disrupt the website or servers or networks connected to the website
- Use any automated system (including robots, spiders, or scrapers) to access the website without our express written permission
- Copy, reproduce, or distribute content from the website without prior written consent
3. Information and Calculators
3.1 Accuracy Disclaimer
The information, calculators, and tools provided on this website are for general informational purposes only. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on the website.
3.2 Calculator Results
Calculator results are estimates based on the information you provide. Actual amounts may differ. We recommend verifying all calculations and consulting with appropriate professionals or official sources before making financial or legal decisions.
3.3 Not Professional Advice
The content on this website does not constitute professional financial, legal, tax, or other advice. You should consult qualified professionals for advice specific to your circumstances.
4. Intellectual Property Rights
4.1 Website Content
Unless otherwise stated, we own the intellectual property rights for all material on this website. All intellectual property rights are reserved.
4.2 Limited License
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
4.3 Restrictions
You must not:
- Republish material from this website without attribution
- Sell, rent, or sub-license material from the website
- Reproduce, duplicate, or copy material from the website for commercial purposes
- Redistribute content from this website (unless content is specifically made for redistribution)
5. Third-Party Links
This website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites or services.
6. Limitation of Liability
6.1 No Warranty
This website is provided “as is” without any representations or warranties, express or implied. We make no representations or warranties in relation to this website or the information and materials provided on this website.
6.2 Liability Exclusion
To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from your use of this website, including but not limited to:
- Direct, indirect, or consequential losses
- Loss of income, profits, business, contracts, or savings
- Loss of data or information
- Any other economic loss
6.3 Accuracy of Information
We do not warrant that the information on this website is complete, accurate, or up-to-date. We may update the website at any time without notice. We are not liable if for any reason the website is unavailable at any time or for any period.
7. User-Generated Content
7.1 Responsibility
If the website allows user submissions (comments, reviews, etc.), you are solely responsible for the content you submit. You warrant that any content you submit does not violate any third-party rights or applicable laws.
7.2 License to Use
By submitting content to the website, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and publish the content for the purposes of operating and promoting the website.
8. Privacy and Cookies
Your use of this website is also governed by our Privacy Policy. By using this website, you consent to the processing of data as described in our Privacy Policy. We may use cookies and similar technologies. Please see our Privacy Policy for more information.
9. Modifications to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new terms. We recommend reviewing these terms periodically.
10. Termination
We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these terms. Upon termination, your right to use the website will immediately cease.
11. Indemnification
You agree to indemnify and hold us harmless from any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from your use of the website, your violation of these terms, or your violation of any rights of another.
12. Governing Law
These terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
13. Severability
If any provision of these terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.
14. Entire Agreement
These terms constitute the entire agreement between you and us regarding the use of the website and supersede all prior agreements and understandings.
15. Contact Information
If you have any questions about these Terms and Conditions, please contact us through our Contact page or email us.
Disclaimer: These terms and conditions are provided as a general guide. For specific legal advice regarding your website, please consult with a qualified legal professional.