Disclaimer & Terms of Use
Last updated: October 2025
1. General Information Only
The tools and articles on personalfinancecalculators.co.uk are provided for general educational purposes only. They are designed to help you understand common financial concepts — not to give you personal or regulated financial advice.
Nothing on this site should be interpreted as:
- A recommendation to take or refrain from any financial action
- Personalised investment, mortgage, or pension advice
- A substitute for guidance from a qualified financial adviser or regulated firm
Financial decisions depend on your personal circumstances, which these calculators cannot assess. Consider checking figures with your provider or adviser before acting.
2. No Liability
We do our best to ensure the accuracy of the information and models provided, but we cannot guarantee completeness or fitness for any specific purpose.
Personal Finance Calculators Ltd and its authors accept no responsibility or liability for:
- Any loss, damage, or costs arising from reliance on information or calculations on this site
- Errors, omissions, or inaccuracies in the content
- Changes to tax or financial regulations that may affect results
By using this site, you agree that any use of its tools or content is at your own risk.
3. Financial Conduct Authority (FCA) Notice
Personal Finance Calculators Ltd is not authorised or regulated by the Financial Conduct Authority (FCA).
The site does not offer, arrange, or intermediate financial products or services. If you need personalised advice, please contact an FCA-authorised financial adviser.
You can check an adviser's registration on the FCA Financial Services Register.
4. Data Accuracy and Updates
Tax, interest rate, and pension figures are based on publicly available UK data from sources such as HMRC, the Bank of England, and the Office for National Statistics.
These figures are periodically reviewed, but we cannot guarantee they always reflect the most current government data or future policy changes.
Calculators show estimates, not guarantees.
5. Intellectual Property and Fair Use
All written content, code, and calculator designs are copyright © Personal Finance Calculators Ltd 2025 unless otherwise stated.
- You may share or quote short excerpts for personal, educational, or non-commercial use with proper attribution and a link to the original page
- You may not reproduce, sell, or host our calculators or content on other websites without written permission
6. External Links
This site may include links to third-party websites (e.g., government or financial information sources). We are not responsible for the content, accuracy, or privacy policies of those sites.
7. Privacy and Data Use
We respect your privacy and protect your information in line with the UK GDPR.
When you create an account or save a scenario, we securely store your email address, saved calculator inputs, and outputs so you can return to them later.
This data is used only to operate your account, improve site functionality, and maintain service reliability.
- We do not sell or share your personal data with third parties
- Temporary technical data (for example IP addresses, cookies, or analytics logs) may be processed to keep the site secure and measure usage; this information is anonymised or aggregated wherever possible
- You can delete your account and all associated data at any time from your Account Settings page or by emailing info@personalfinancecalculators.co.uk
Full details are set out in our separate Privacy Policy.
8. Changes to These Terms
We may update this Disclaimer and Terms of Use periodically to reflect legal, regulatory, or content changes. The "Last updated" date at the top shows the most recent revision.
If updates materially affect your account or data rights, we will notify you by email or in-app message before they take effect.
9. Contact Us
If you have questions, feedback, or corrections, please reach out through our feedback form or email info@personalfinancecalculators.co.uk.
10. Your Account and Security
You are responsible for keeping your login credentials confidential and for all activity under your account.
We take reasonable measures to protect stored information but cannot guarantee absolute security of any data transmitted online.
If you suspect unauthorised access, please reset your password and contact us immediately.
Thank you for using Personal Finance Calculators Ltd
Helping you make confident, informed money decisions.