Terms and Conditions

1. Agreement to Terms

By accessing or using Compound Interest Calculator UK (the “Website”, accessible at compoundinterestcalculatoruk.co.uk), you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must discontinue use of the Website immediately.

2. Informational & Educational Purpose Only (No Financial Advice)

All content, calculations, models, comparisons, projections, and guides provided on this Website are designed strictly for educational, illustrative, and informational purposes:

• Nothing on this Website constitutes regulated financial, investment, pension, legal, accounting, or tax advice.
• We are not authorized or regulated by the UK Financial Conduct Authority (FCA) to provide personalized financial recommendations.
• Calculations are based on hypothetical, user-supplied assumptions and mathematical compounding algorithms. They do not account for individual tax circumstances, platform fees, trading commissions, or fluctuating market rates.
• Users should always seek independent financial advice from an FCA-regulated Independent Financial Adviser (IFA) before making significant financial or investment decisions.

3. Intellectual Property Rights

Unless otherwise indicated, the Website, its source code, design architectures, algorithms, graphics, text, and downloadable assets (such as CSV exports) are the proprietary intellectual property of Compound Interest Calculator UK and are protected by UK and international copyright and intellectual property laws.

You are granted a limited, revocable, non-exclusive license to use our calculators and export calculations strictly for personal, non-commercial, and educational purposes. You may not republish, scrape, duplicate, or sell our calculation tools or substantial portions of our editorial content without prior written permission.

4. Prohibited Uses

When using our Website, you agree not to:

• Engage in unauthorized automated scraping, crawling, or data extraction without express authorization.
• Attempt to bypass or circumvent any security features, access restrictions, or server rate limits.
• Transmit any malicious code, viruses, malware, or destructive scripts.
• Use the Website in any manner that impairs, overburdens, or damages our hosting infrastructure or interferes with other users’ enjoyment of the tools.

5. Accuracy & Disclaimer of Warranties

While we strive for meticulous mathematical accuracy in all formulas and compounding schedules, the Website and all its tools are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied.

We make no representations or warranties regarding the accuracy, completeness, timeliness, or fitness for a particular purpose of any calculation, projection, or tax rate presented on the Website. Real-world investment and savings returns depend on variable factors outside mathematical simulations.

6. Limitation of Liability

To the maximum extent permitted by the laws of England and Wales, in no event shall Compound Interest Calculator UK, its operators, employees, or contributors be liable for any direct, indirect, incidental, consequential, special, or punitive damages (including, but not limited to, loss of profits, loss of savings, or financial loss) arising from or in connection with your access to, use of, or inability to use the Website or reliance on any calculation result.

7. Third-Party Links

Our guides may contain links to external third-party websites (such as the Bank of England, HMRC, or FCA). We have no control over the content, policies, or practices of third-party websites and assume no responsibility for them.

8. Governing Law & Jurisdiction

These Terms and Conditions and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales.