Terms for using this website and its educational tools

Website information

Website content is general educational information. It is not accounting, tax, legal, investment, lending, or other regulated professional advice and should not be the sole basis for a material decision.

Calculators and examples

Calculator results depend entirely on the assumptions entered. They do not fetch or certify current rates, laws, taxes, fees, returns, or product terms. Actual results may differ because of timing, rounding, institution rules, taxes, fees, and facts not represented in a calculator.

Enquiries and professional services

Sending an enquiry does not create a client, fiduciary, advisory, or other professional relationship. A paid service begins only after scope, responsibilities, timing, information requirements, limitations, and fees are agreed separately in writing.

Acceptable use

• Do not attempt to disrupt, probe, or gain unauthorised access to the website
• Do not misrepresent calculator outputs as verified advice or guaranteed results
• Do not copy or republish substantial website content as your own
• Do not use the website for unlawful, deceptive, or harmful activity

Availability and responsibility

We aim to keep the website useful and available but do not promise uninterrupted or error-free access. You remain responsible for checking material decisions with an appropriately qualified professional and for verifying information that may change over time.