Terms of Service

Welcome to Smart Finance Tools. These Terms of Service explain the conditions for using our website and loan comparison tools available at smart-finance-tools.com.

By using our website, you agree to these Terms. If you do not agree, please stop using our services.

1. Acceptance of Terms

By accessing or using Smart Finance Tools, you confirm that:

• You have read and understood these Terms
• You agree to follow them
• You also agree to the terms set out in our Privacy Policy

These Terms apply to all users and visitors.

2. About the Service

Smart Finance Tools provides loan comparison calculators designed to help you:

• Compare loan options
• Estimate monthly repayments
• View total costs and interest
• Explore amortisation schedules
• Model different loan scenarios

The service is provided for educational and informational purposes only. It does not provide financial advice or personalised recommendations.

We may update, modify, or discontinue parts of the service at any time.

3. Not Financial Advice

Smart Finance Tools is not a financial adviser, lender, or financial services provider.

The information and calculations provided:

• Are general in nature
• Are not tailored to your circumstances
• Should not be relied upon as financial advice
• May not reflect the exact terms offered by any lender

Before making financial decisions, you should:

• Seek advice from a qualified financial adviser
• Speak directly to lenders or brokers
• Review loan documentation carefully

You remain solely responsible for any financial decisions you make.

4. Accuracy and Limitations

We aim to provide accurate tools and calculations, but we cannot guarantee that:

• Results are complete, correct, or error-free
• Outputs match lender products or rates
• The service will always be available or uninterrupted

All results should be independently verified. We accept no responsibility for losses arising from reliance on our calculations or information.

The service is provided on an "as is" and "as available" basis.

5. User Responsibilities

When using the website, you agree to:

• Enter accurate information into the calculator
• Use the service lawfully and respectfully
• Not interfere with or disrupt the website
• Not attempt to access restricted areas or systems
• Not use automated tools without permission
• Not copy or redistribute content without consent

You are responsible for any actions you take based on the information provided.

6. Intellectual Property

All content, including text, graphics, images, design, layout, software, code, and calculators, is owned by Smart Finance Tools or its licensors and protected by intellectual property laws.

You may use the website for personal, non-commercial purposes only.

You must not:

• Copy, reproduce, or distribute content
• Create derivative works from the service
• Use our branding without permission
• Reverse-engineer or modify our software

7. Limitation of Liability

Smart Finance Tools, including its owner and contributors, will not be liable for:

• Financial losses or decisions made based on the calculator
• Errors or inaccuracies in calculations
• Service interruptions or outages
• Actions taken by third parties, including lenders or financial institutions

Your use of the service is at your own risk.

Nothing in these Terms limits liability where such limitation is not permitted under UK law (for example, fraud or negligence resulting in death or personal injury).

8. Changes to these Terms

We may update these Terms from time to time. When we do:

• The "Last Updated" date will be revised
• Significant changes may be highlighted on the website

Continued use of the service means you accept any updated Terms.

9. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be handled exclusively by the courts of England and Wales.

10. Contact

If you have questions about these Terms, you can contact us at:

11. Severability

If any part of these Terms is found unenforceable, the remaining sections will continue to apply.

12. Entire Agreement

These Terms and our Privacy Policy form the full agreement between you and Smart Finance Tools regarding your use of this service.