Disclaimer

Please read this disclaimer carefully before using Smart Finance Tools. By accessing or using our website and calculators, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

If you do not agree with any part of this disclaimer, please do not use our services.

1. No Financial Advice

Smart Finance Tools is not a financial adviser, broker, lender, or financial services provider. We do not provide financial, investment, tax, legal, or accounting advice.

All content, calculators, and information provided on this website are for educational and informational purposes only. They are intended to help you understand financial concepts and compare different loan scenarios.

The calculators and information provided:

• Are general in nature and not tailored to your personal circumstances
• Should not be relied upon as professional advice
• Do not constitute recommendations to enter into any loan or financial product
• Are not a substitute for professional financial advice

Before making any financial decision, you should consult with a qualified independent financial adviser who can assess your individual circumstances and provide personalised advice.

2. Accuracy of Information

Whilst we strive to ensure that all information and calculations are accurate and up to date, we make no representations or warranties of any kind, express or implied, about:

• The completeness, accuracy, reliability, or suitability of the information
• The correctness of calculations or results generated by our tools
• The availability or uninterrupted operation of the website
• That the website or tools are free from errors or bugs

Calculators are based on standard mathematical formulas, but actual loan terms, interest rates, fees, and repayment amounts will vary depending on the lender and your individual circumstances.

All results should be independently verified with lenders or financial professionals before making any decisions.

3. No Guarantee of Results

The calculations provided by our tools are estimates only. We cannot guarantee that:

• Any lender will offer you the rates or terms shown in the calculator
• You will be approved for any loan or credit product
• The figures shown will match the final loan agreement from any lender
• The information will be suitable for your specific financial situation

Actual loan terms will depend on many factors including your credit score, income, employment status, loan-to-value ratio, and the lender's own criteria and policies.

4. Limitation of Liability

To the fullest extent permitted by law, Smart Finance Tools, its owner, and contributors shall not be liable for any:

• Direct, indirect, incidental, consequential, or punitive damages
• Financial losses or damages arising from your use of this website
• Losses resulting from reliance on calculations, information, or content provided
• Damages arising from errors, omissions, or inaccuracies in the website
• Damages arising from interruptions, downtime, or unavailability
• Losses arising from decisions made based on information from this website

You use this website entirely at your own risk.

Nothing in this disclaimer shall exclude or limit liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under UK law.

5. Third-Party Links

This website may contain links to third-party websites, including lenders, financial institutions, and affiliate partners.

We have no control over and accept no responsibility for:

• The content of third-party websites
• The accuracy of information on external sites
• The products or services offered by third parties
• The privacy practices of third-party websites

Links to third-party websites are provided for your convenience only. Clicking on these links is at your own risk, and you should review the terms and privacy policies of any third-party website before using their services.

6. Affiliate Relationships

Smart Finance Tools may participate in affiliate marketing programmes and may receive commissions when you click on certain links or sign up for products or services through our website.

This means we may earn a small commission at no extra cost to you if you choose to use a lender or service we link to.

However:

• Our calculators remain unbiased and do not favour any specific lender
• Affiliate relationships do not influence the calculations or results shown
• You are under no obligation to use any linked services
• We only recommend products or services we believe may be useful

We are committed to transparency and will clearly indicate where affiliate links are present.

7. Your Responsibility

You are solely responsible for:

• Entering accurate information into the calculators
• Verifying all results with qualified professionals or lenders
• Making your own independent financial decisions
• Understanding the terms of any loan or financial product you enter into
• Assessing your own financial circumstances and ability to repay
• Complying with all applicable laws and regulations

Do not rely solely on our calculators when making important financial decisions. Always seek professional advice tailored to your situation.

8. Not Regulated

Smart Finance Tools is not authorised or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body.

We do not provide regulated financial advice, arrange loans, or act as a credit broker. We simply provide educational tools to help you understand and compare different loan scenarios.

9. UK Focus

This website is intended for users in the United Kingdom. The information, calculations, and terminology used may not be applicable or accurate for users in other countries.

If you access this website from outside the UK, you do so at your own risk and are responsible for ensuring compliance with local laws.

10. Changes to This Disclaimer

We may update this disclaimer from time to time without prior notice. The "Last Updated" date at the top of this page will reflect when changes were made.

It is your responsibility to review this disclaimer periodically. Continued use of the website after changes constitutes acceptance of the updated disclaimer.

11. Interpretation

This disclaimer should be read alongside our Terms of Service and Privacy Policy.

If there is any conflict between this disclaimer and other documents, the most recent version of each document shall apply to the relevant subject matter.

12. Contact

If you have questions about this disclaimer, you can contact us at: