Terms of Use
This website and its tools are provided for general informational and educational purposes only. They do not provide financial, investment, mortgage, tax, legal, medical, or other professional advice.
1. Acceptance of these Terms
These Terms of Use govern your access to and use of this website and any tools, calculators, or content made available on it (collectively, the "Services").
By accessing or using the Services, you agree to be bound by these Terms of Use. If you do not agree, you must not use the Services.
2. No Advice
The Services are provided for general informational and educational purposes only. Nothing on this website constitutes, or should be construed as, professional advice of any kind, including:
- Financial advice
- Investment advice
- Mortgage advice
- Tax advice
- Legal advice
- Medical advice
You should always seek advice from a suitably qualified and regulated professional relevant to your circumstances before taking action.
3. Tools, Calculators and Outputs
The website may provide tools and calculators that generate outputs, projections, or estimates based on the information you enter. These outputs are illustrative only and may be based on simplified assumptions.
Tools may not account for all variables that affect real-world outcomes, including but not limited to:
- Inflation
- Taxation and tax reliefs
- Transaction costs and fees
- Changes in interest rates
- Market volatility and liquidity constraints
- Changes in income, expenses, or personal circumstances
- Regulatory changes
Outputs are hypothetical and do not guarantee any future result.
4. User Responsibility
You are solely responsible for:
- Ensuring that any information you enter is accurate and complete
- Verifying results independently
- Assessing risks and suitability for your circumstances
- Making your own decisions
Use of the Services is entirely at your own risk.
5. Limitation of Liability
To the fullest extent permitted by law, the owner and operator of this website shall not be liable for any loss or damage (whether direct, indirect, incidental, consequential, financial, or otherwise) arising from or in connection with:
- Your use of, or inability to use, the Services
- Your reliance on any output, projection, estimate, or content
- Errors, omissions, interruptions, or inaccuracies in the Services
- Any decisions made or actions taken based on the Services
Nothing in these Terms limits or excludes liability that cannot be excluded under applicable law.
6. No Client Relationship
Use of this website does not create any client, advisory, fiduciary, or professional relationship of any kind.
7. Changes to the Website or Tools
The Services, including tools, methodologies, assumptions, features, and content, may be modified, suspended, or withdrawn at any time without notice.
8. Governing Law and Jurisdiction
These Terms of Use shall be 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.
Tool-Specific Terms
Additional terms apply to specific tools. If there is any conflict between the general Terms above and the tool-specific terms below, the tool-specific terms will apply for that tool.
Rent vs Buy Projection Tool
The Rent vs Buy Projection Tool provides illustrative net worth projections based on user-entered assumptions. Outputs are hypothetical and for educational purposes only.
The Tool may not include, and does not fully account for, items such as:
- Stamp duty, legal fees, surveys, estate agent fees, or other transaction costs
- Insurance, renovations, and unexpected repairs
- Tax considerations (including income tax, capital gains tax, or property-related taxes)
- Variable mortgage rates, refinancing, early repayment charges, or lender criteria
- Rental market changes, rent increases, void periods, or moving costs
- Opportunity costs, behavioural changes, or differences in spending habits
You should not rely on Tool outputs as the basis for buying, selling, renting, or financing a property. You should verify assumptions independently and seek advice from a suitably qualified and regulated professional before taking action.