Terms and Conditions

By using moneylander.co.uk ("the site"), you agree to these terms. If you do not agree, please do not use the site.

1. What This Site Is

MoneyLander provides free online calculators and money guidance tools for UK users. All tools are provided for general information and guidance only.

2. Not Financial Advice

Nothing on this site constitutes financial, tax, legal, or professional advice. Calculator results are estimates based on the figures you enter and the UK rates or data available at the time of calculation.

You must not rely on our calculators as the sole basis for any financial decision. Always consult a qualified professional before making important financial decisions.

We are not regulated by the Financial Conduct Authority (FCA) and do not provide regulated financial services.

3. Accuracy and Rates

We make reasonable efforts to keep UK rates and data (tax thresholds, energy rates, minimum wage, etc.) up to date. However, we do not guarantee that any figure on this site is accurate, complete, or current.

Rates can change at any time. Official sources (HMRC, Ofgem, gov.uk) are the authoritative reference for UK rates and thresholds.

4. Your Use of the Calculators

Our calculators process your inputs entirely in your web browser. We do not store, transmit, or have access to the numbers you enter.

You may use the site and its tools for personal, non-commercial purposes. You may not:

• Scrape, copy, or reproduce our calculators or content for use on another website
• Use automated tools to access the site at high volume
• Frame or embed our pages within another site without permission
• Use the site for any unlawful purpose

5. Intellectual Property

All content on this site — including text, calculator code, design, logos, and graphics — is owned by MoneyLander or used under licence. You may not reproduce, distribute, or create derivative works without written permission.

You are welcome to link to any page on our site.

6. Third-Party Content and Links

Our site contains links to external websites (such as gov.uk, Ofgem, and others). We are not responsible for the content, accuracy, or availability of external sites.

Advertisements on this site are served by Google AdSense. We do not control which ads appear and do not endorse the products or services advertised.

7. Limitation of Liability

To the fullest extent permitted by law:

• The site and all tools are provided "as is" without any warranty
• We do not guarantee that the site will be available, error-free, or uninterrupted
• We are not liable for any loss, damage, or expense arising from your use of the site or reliance on any calculator result

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

8. Privacy and Cookies

Your use of the site is also governed by our Privacy Policy and Cookie Policy.

9. Changes to These Terms

We may update these terms at any time. The "last updated" date at the top will change when we do. Continued use of the site after changes constitutes acceptance of the new terms.

10. Governing Law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact

If you have questions about these terms, contact us. MoneyLander is operated from the United Kingdom.