Terms of Service

1. Acceptance of Terms

By accessing and using Mortgage Calculator Quest (mortgagecalculator.quest), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

2. Description of Service

Mortgage Calculator Quest provides free online mortgage calculators and educational content for UK homebuyers and property investors. Our services include:

• Mortgage payment calculators
• Stamp duty calculators
• Affordability assessments
• Educational guides and articles
• AI-powered chat assistance

4. Beta Status

This website is currently in beta. Features may change, contain errors, or be unavailable at times. We make no guarantees about the accuracy, completeness, or reliability of our calculators or content during this beta period.

5. Accuracy of Calculations

While we strive to ensure our calculators are accurate based on current UK regulations and typical lending criteria:

• Calculations are estimates only and may not reflect actual mortgage offers
• Stamp duty rates and thresholds are subject to change by government policy
• Lending criteria vary between lenders and individual circumstances
• Tax implications depend on your personal situation

6. User Accounts

If you create an account:

• You are responsible for maintaining the security of your account
• You must provide accurate information
• You must not share your account with others
• We reserve the right to suspend or terminate accounts

7. Acceptable Use

You agree not to:

• Use our services for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Interfere with the proper functioning of the website
• Scrape, copy, or reproduce our content without permission
• Use automated systems to access our services excessively

8. Intellectual Property

All content on this website, including text, graphics, logos, and software, is owned by Mortgage Calculator Quest or our licensors. You may not reproduce, distribute, or create derivative works without our written permission.

9. Limitation of Liability

To the maximum extent permitted by law:

• We provide our services "as is" without warranties of any kind
• We are not liable for any financial decisions made based on our calculators
• We are not liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid us (if any)

10. External Links

Our website contains links to third-party websites (including government sites like HMRC and Money Helper). We are not responsible for the content or privacy practices of these external sites.

11. Changes to Terms

We may modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms. Material changes will be notified via our website.

12. Governing Law

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

13. Contact

For questions about these terms, please contact us through our website.