Terms & Conditions

By accessing and using SterlingCalc (sterlingcalc.co.uk), you accept and agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use this website.

These terms apply to all visitors, users and others who access or use SterlingCalc.

SterlingCalc is a free online UK financial calculator service. We provide tools including stamp duty calculators, income tax and take home pay calculators, mortgage affordability calculators, ISA growth calculators, pension calculators, and capital gains tax calculators.

SterlingCalc is provided for informational and educational purposes only. It is a free service with no subscription fee.

The information and calculation results provided by SterlingCalc do not constitute financial advice, tax advice, investment advice, legal advice or any other regulated advice. Nothing on this website should be relied upon as a basis for any financial decision.

SterlingCalc is not authorised or regulated by the Financial Conduct Authority (FCA), HMRC, or any other regulatory body. We are not financial advisers, tax advisers or mortgage advisers.

Calculator results are based on the information you input and general tax rules. Individual circumstances vary significantly. We strongly recommend you consult a qualified professional before making financial, property, investment or tax decisions.

We make reasonable efforts to keep tax rates, thresholds and calculation logic up to date for each tax year. However, HMRC rules, tax rates, and legislation change frequently, and there may be a delay between changes being announced and our calculators being updated.

SterlingCalc makes no warranty, express or implied, as to the accuracy, completeness, reliability or suitability of the information and calculations provided. You use the calculators entirely at your own risk.

All content on SterlingCalc — including but not limited to calculator logic, text, design, graphics, layout and code — is owned by or licensed to SterlingCalc and is protected by UK and international intellectual property laws.

You are permitted to use calculation results for your own personal, non-commercial purposes. You may not:

• Reproduce, republish or distribute any content from this website without our express written permission
• Scrape, harvest or systematically copy content from SterlingCalc
• Use our content for commercial purposes without a licence
• Remove any copyright or proprietary notices from our content

To the fullest extent permitted by law, SterlingCalc accepts no liability whatsoever for:

• Any financial decisions made in reliance on calculator results
• Any loss, damage, cost or expense (direct, indirect or consequential) arising from your use of this website
• Any inaccuracy in calculation results, however caused
• Any interruption, suspension or unavailability of the service
• Any third-party content linked to or referenced from this website

As SterlingCalc is a free service, our maximum liability to you in any circumstances is limited to £0.

SterlingCalc displays third-party advertisements served by Google AdSense and potentially other advertising networks. The presence of an advertisement on this website does not constitute an endorsement, recommendation or approval of the advertised product, service or company by SterlingCalc.

Advertisers are solely responsible for the content of their advertisements and are subject to their own terms, conditions and privacy policies. We are not responsible for any transactions between you and third-party advertisers.

You agree not to use SterlingCalc in any way that:

• Violates any applicable UK law or regulation
• Involves automated access, scraping or bot traffic
• Attempts to reverse-engineer, decompile or extract the calculator logic or source code
• Imposes an unreasonable or disproportionately large load on our infrastructure
• Interferes with the proper functioning of the website
• Involves any unlawful, fraudulent or harmful purpose

We reserve the right to restrict or block access to SterlingCalc for any user who breaches these conditions.

SterlingCalc may contain links to external websites for reference purposes (for example, HMRC guidance or government resources). These links are provided for convenience only and do not imply any endorsement of the linked site or its content.

We are not responsible for the content, accuracy, privacy practices or availability of any third-party websites. Your use of external sites is subject to their own terms and conditions.

Your use of SterlingCalc is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms & Conditions by reference.

These Terms & Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

We reserve the right to update or modify these Terms & Conditions at any time without prior notice. The "Last updated" date at the top of this page will reflect the most recent revision.

Your continued use of SterlingCalc after any changes to these terms constitutes your acceptance of the revised terms. We recommend reviewing this page periodically.

If you have any questions about these Terms & Conditions, please contact us:

Email: contact@sterlingcalc.co.uk

Website: www.sterlingcalc.co.uk