Welcome to Calfiny
These Terms & Conditions explain the rules that apply when you access and use our website, calculators and educational content.
By using Calfiny, you agree to these Terms & Conditions. If you do not agree, please discontinue use of the website.
We aim to explain our terms in clear, straightforward language so you understand both your rights and our responsibilities.
About Calfiny
Calfiny is an educational financial platform that provides:
- Financial calculators
- Educational guides
- Financial explanations
- Articles and resources
- Supporting tools designed to improve financial understanding
Unless stated otherwise, references to “Calfiny”, “we”, “our” and “us” refer to the operators of the Calfiny website.
Acceptance of These Terms
By accessing or using Calfiny you confirm that you:
- accept these Terms & Conditions
- agree to use the website lawfully
- understand the limitations described within these terms
If you do not agree with these Terms & Conditions, you should not continue using the website.
Educational Purpose
Calfiny exists to improve financial understanding.
Our calculators and educational content are designed to help explain financial concepts and provide estimates based on the information you enter.
They are provided for informational and educational purposes only.
Nothing on Calfiny should be interpreted as personalised financial, legal, tax, investment or professional advice.
Calculator Results
We work hard to ensure our calculators are accurate, transparent and regularly updated.
However:
- calculator results are estimates unless specifically stated otherwise
- results depend upon the information entered by the user
- assumptions may affect outcomes
- legislation and financial rules may change over time
Users should not rely solely on calculator results when making significant financial decisions.
Where appropriate, professional advice should be obtained.
Accuracy of Information
We make reasonable efforts to ensure that all information published on Calfiny is accurate and up to date.
However, we cannot guarantee that:
- every page will always reflect the latest legislation
- every external source remains available
- every calculation is suitable for every individual circumstance
Information may change without notice as legislation, regulations and official guidance evolve.
User Responsibilities
When using Calfiny you agree to:
- provide accurate information where requested
- use calculators responsibly
- use the website only for lawful purposes
- avoid attempting to interfere with the operation or security of the website
- avoid introducing malicious software or harmful code
Intellectual Property
Unless otherwise stated, all content published on Calfiny is protected by copyright and other intellectual property laws.
This includes:
- articles
- calculators
- written content
- graphics
- branding
- logos
- page layouts
- methodology
- software
- design elements
You may:
- view content for personal use
- print pages for personal reference
- share links to Calfiny pages
You may not:
- copy substantial content without permission
- republish calculators or articles
- reproduce branding or logos
- redistribute material for commercial purposes without written permission.
External Websites
Calfiny may contain links to external websites operated by third parties.
These links are provided for convenience and additional information.
We do not control external websites and are not responsible for:
- their content
- their availability
- their security
- their privacy practices
- their products or services
Third-Party Services
Some features of Calfiny may rely upon third-party services.
Examples may include:
- analytics providers
- payment services
- mapping providers
- embedded media
- affiliate networks
- advertising platforms
The use of these services may be subject to separate terms published by those providers.
Affiliate Relationships
Some pages may contain affiliate links.
Where purchases are made through qualifying links, Calfiny may receive a commission.
Affiliate relationships never influence:
- our editorial standards
- calculator methodology
- educational content
- recommendations
More information is available in our Affiliate Disclosure.
Availability
We aim to keep Calfiny available at all times.
However, we cannot guarantee uninterrupted access.
The website may occasionally be unavailable due to:
- maintenance
- software updates
- technical problems
- security improvements
- circumstances beyond our control
Limitation of Liability
To the fullest extent permitted by applicable law, Calfiny shall not be liable for any direct, indirect, incidental or consequential loss arising from:
- use of the website
- reliance upon calculator results
- reliance upon educational content
- interruptions in website availability
- technical issues
- inaccuracies caused by information provided by users
- changes in legislation after publication
Nothing in these Terms excludes liability where exclusion would be unlawful.
Privacy
Your use of Calfiny is also governed by our Privacy Policy and Cookie Policy.
These documents explain how information is collected, stored and used.
Changes to These Terms
We may update these Terms & Conditions from time to time.
When significant changes are made, we will update the “Last Updated” date shown at the top of this page.
Continued use of Calfiny after changes have been published constitutes acceptance of the updated Terms.
Governing Law
These Terms & Conditions are governed by the laws of England and Wales.
Any disputes arising from the use of Calfiny shall be subject to the exclusive jurisdiction of the courts of England and Wales unless applicable law requires otherwise.
Contact Us
If you have any questions regarding these Terms & Conditions, please visit our Contact page.