Introduction

By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use the website.

1. Use of Tools and Information

This website provides calculators, tools, and general informational content for educational purposes. While we aim for accuracy, no guarantees or warranties are made regarding the correctness of the information. Users may use the tools at their own discretion. Any results should be independently verified with a qualified professional before making important decisions. Users agree not to misuse the calculators, tools, or content.

2. Liability Limitations

To the maximum extent permitted by law, the website and its owner are not responsible for any direct, indirect, or consequential losses resulting from the use of, or inability to use, this site or its tools. This includes, but is not limited to, loss of income, profits, data, time, or errors in calculations. This limitation does not affect liability for death or personal injury caused by negligence, fraudulent misrepresentation, or other legal obligations that cannot be excluded under applicable law.

3. Intellectual Property

All content on this website - including tools, text, graphics, logos, and software - is protected by copyright and other intellectual property laws. Users may not reproduce, distribute, or modify content without express written permission.

4. Privacy and Cookies

User data is collected and handled according to our Privacy Policy. Cookies may be used to improve site functionality and user experience. You can manage cookie preferences through your browser settings.

5. Governing Law

These Terms & Conditions are governed by the laws of England and Wales. Any disputes arising from the use of this website will be resolved in the courts of England and Wales.

6. Changes to Terms

We reserve the right to update these Terms & Conditions at any time. Continued use of the website constitutes acceptance of the revised terms.