Terms of Use

1. Acceptance of Terms

By accessing and using PropertyCalcHub ("the Site"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We reserve the right to modify these terms at any time — continued use of the Site constitutes acceptance of any updates.

2. Nature of the Service

PropertyCalcHub provides free online property calculators and educational content for informational purposes only. The Site is intended to help users understand property-related financial concepts and perform illustrative calculations. It does not constitute:

• Financial advice regulated by the Financial Conduct Authority (FCA)
• Tax advice or accountancy services
• Legal advice or conveyancing services
• Mortgage brokering or lending services
• Investment advice of any kind

Always consult qualified professionals — a mortgage broker, independent financial adviser (IFA), solicitor and accountant — before making any property or financial decisions.

3. Accuracy of Information

We make reasonable efforts to ensure that calculator logic, tax rates and financial data are accurate and up to date. However, we make no warranty, express or implied, regarding the accuracy, completeness or fitness for purpose of any information on the Site. Tax rules, stamp duty thresholds, mortgage rates and lending criteria change frequently. Always verify figures with official sources (HMRC, Revenue Scotland, Welsh Revenue Authority, FCA, OSFI, CFPB, ATO) before relying on them.

4. Limitation of Liability

To the fullest extent permitted by law, PropertyCalcHub and its operators shall not be liable for any loss or damage of any kind arising from:

• Your use of or reliance on any calculator results or content on the Site
• Any financial decisions made based on information from the Site
• Errors, inaccuracies or omissions in the Site's content
• Interruption or unavailability of the Site
• Any third-party sites linked from the Site

This includes direct, indirect, incidental, consequential, special or punitive damages, whether or not we have been advised of the possibility of such damages.

5. Intellectual Property

All content on PropertyCalcHub — including calculator logic, design, text, graphics and code — is the intellectual property of PropertyCalcHub and is protected by copyright. You may use the Site for personal, non-commercial purposes. You may not:

• Copy, reproduce or republish substantial portions of the Site's content without permission
• Scrape, harvest or data-mine the Site using automated tools
• Use the Site's content for commercial purposes without written consent
• Attempt to reverse-engineer or copy the calculator code

6. Third-Party Links & Affiliates

The Site contains links to third-party websites including mortgage brokers and financial services providers. Some of these are affiliate links — we may receive a referral fee if you use their services. This does not affect our editorial independence or the accuracy of our calculators. We only link to services we believe are reputable. We are not responsible for the content or practices of any third-party websites.

7. Governing Law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

8. Contact

Questions about these terms: [email protected]