Terms of Service & Financial Disclaimer

1. Acceptance of Terms

By accessing and using MoneyMaths ("the Website," located at moneymaths.net), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, you should not use this website. We reserve the right to update these terms at any time, and your continued use of the site constitutes acceptance of any changes.

2. Financial Disclaimer

MoneyMaths is not a financial advisor, lender, bank, or financial institution. All calculators, tools, content, and information provided on this website are for educational and informational purposes only. Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

The results produced by our calculators are estimates based on the information you provide and standard mathematical formulas. Actual loan payments, interest rates, tax obligations, and financial outcomes may differ from the estimates shown due to factors including but not limited to: lender-specific fees, variable interest rates, changes in tax law, rounding differences, and individual financial circumstances.

You should always consult with a qualified financial advisor, certified public accountant, tax professional, or other licensed professional before making any financial decisions. MoneyMaths is not responsible for any financial losses, damages, or consequences resulting from decisions made based on information or results from this website.

3. Accuracy of Information

While we strive to ensure the accuracy of our calculators and content, MoneyMaths makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website. Any reliance you place on such information is strictly at your own risk.

Calculator results are mathematical approximations. We use industry-standard formulas (such as the standard amortization formula for loan and mortgage calculators), but actual financial products may use different calculation methods, compounding frequencies, or day-count conventions.

4. Use of the Website

You may use MoneyMaths for personal, non-commercial purposes. You agree not to:

— Scrape, crawl, or extract data from the website in an automated manner without our written consent.
— Use the website to transmit malicious code or interfere with its operation.
— Reproduce, duplicate, or resell any part of the website without our express written permission.
— Use the website in any way that violates applicable local, state, national, or international law.

5. Privacy and Data

All calculations are performed entirely in your web browser. MoneyMaths does not collect, store, transmit, or sell any of the financial data you enter into our calculators. For more details, please read our Privacy Policy.

6. Third-Party Links and Services

This website may contain links to third-party websites or services that are not owned or controlled by MoneyMaths. 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 MoneyMaths shall not be responsible or liable for any damage or loss caused by the use of any such third-party content or services.

7. Advertising

MoneyMaths displays advertisements through Google AdSense and potentially other advertising networks. These ads are served by third-party companies that may use cookies and similar technologies. The presence of advertisements does not constitute an endorsement of the products or services advertised. See our Privacy Policy for details on advertising cookies.

8. Intellectual Property

The content, design, layout, graphics, and code of MoneyMaths are protected by copyright and other intellectual property laws. You may not reproduce, modify, distribute, or create derivative works from any content on this website without our prior written consent.

9. Limitation of Liability

To the fullest extent permitted by applicable law, MoneyMaths and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from your use of or inability to use the website, any conduct or content of any third party on the website, or unauthorized access to or alteration of your data.

10. Indemnification

You agree to defend, indemnify, and hold harmless MoneyMaths and its operators from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses arising out of or relating to your violation of these Terms of Service or your use of the website.

11. Changes to These Terms

We reserve the right to modify or replace these Terms of Service at any time. If a revision is material, we will update the "Last updated" date at the top of this page. By continuing to access or use our website after revisions become effective, you agree to be bound by the revised terms.

12. Contact

If you have any questions about these Terms of Service, please contact us at our contact page.