Terms & Conditions

1. About These Terms

These Terms & Conditions explain the rules that apply when you access or use Calfiny.

These Terms apply to your use of Calfiny, including our articles, guides, calculators, interactive tools and other website features.

By using Calfiny, you agree to these Terms. If you do not agree with them, you should stop using the website.

These Terms apply to all visitors and users of Calfiny. You do not need to create an account or make a purchase for them to apply.

Calfiny also has separate policies covering specific areas of the website, including our Privacy Policy, Cookie Policy, Financial Disclaimer, Affiliate Disclosure, Calculator Methodology, Sources & Accuracy Policy and Corrections Policy. Where relevant, those documents should be read alongside these Terms.

If there is a conflict between these Terms and a more specific policy relating to a particular feature or subject, the more specific policy will apply to that issue unless stated otherwise.

These Terms were last updated on 12 August 2026.

2. About Calfiny

Calfiny provides financial information, educational content and calculation tools designed to help you understand everyday financial concepts.

Calfiny is an independent financial information website. We publish articles, guides, calculators and interactive tools covering areas such as saving, investing, employment, tax, business and other personal finance topics.

Our aim is to explain financial concepts clearly and provide tools that can help you explore different scenarios, understand how calculations work and make more informed financial decisions.

Calfiny provides general information and education. Our content and tools are not designed to take account of your individual financial circumstances, objectives, needs or attitude to risk, and they should not be treated as personalised financial, investment, tax, legal or other professional advice.

Some parts of Calfiny may refer or link to products, services or organisations provided by third parties. We may also earn commission from some commercial relationships. Where this applies, we provide appropriate disclosures and maintain a separation between commercial relationships and our editorial approach.

More detailed information about how we produce financial content, construct our calculators and use external sources is available in our supporting policies.

3. Using Calfiny

You may use Calfiny for lawful personal and informational purposes, provided you use the website and its features responsibly.

You may access and use Calfiny to read our content, use our calculators and interactive tools, and explore the financial information we make available.

You are responsible for ensuring that the information you enter into our calculators and tools is appropriate for the scenario you want to explore. Results can be affected significantly by the figures, assumptions and options you select.

You must not use Calfiny in a way that could damage, disrupt or interfere with the website, its security, its operation or another person’s ability to use it. You must also not attempt to gain unauthorised access to the website, its systems or any non-public areas of our services.

You may not use Calfiny for unlawful or fraudulent purposes.

More detailed restrictions relating to copying, automated extraction, our intellectual property and misuse of the website are set out later in these Terms.

4. Financial Information and No Personalised Advice

Calfiny provides general financial information and education, not recommendations based on your individual circumstances.

The information available on Calfiny is intended to help you understand financial concepts, calculations and common financial decisions. It is provided for general informational and educational purposes.

Calfiny does not assess your personal financial circumstances, income, expenditure, assets, debts, objectives, tax position, investment experience, attitude to risk or any other factors that may be relevant to a financial decision.

Nothing on Calfiny should therefore be treated as personalised financial, investment, tax, legal or other professional advice. The inclusion of a particular strategy, product type, calculation or example does not mean that it is suitable for you.

Our articles and tools may explain different options or illustrate how changing certain assumptions can affect an outcome. This is intended to help you understand those options rather than recommend a particular course of action.

Financial decisions can have significant and sometimes long-term consequences. Where appropriate, you should consider your own circumstances, check information that is important to your decision and seek advice from a suitably qualified professional if you need personalised guidance.

Further information about these limitations is available in our Financial Disclaimer.

5. Calculators and Interactive Tools

Calfiny calculators are designed to help you explore financial scenarios, but their results depend on the information and assumptions used.

Our calculators and interactive tools use mathematical formulas, user inputs and, where relevant, assumptions or reference data to produce illustrative results.

The accuracy and usefulness of a result depend partly on the information you enter. Incorrect, incomplete or unrealistic inputs can produce results that do not reflect the scenario you intended to calculate.

Some calculators also rely on assumptions about matters such as interest rates, investment returns, inflation, tax rates, thresholds or future periods. These assumptions are used to make calculations possible and should not be interpreted as predictions or guarantees.

Calculator results may be rounded or simplified for clarity. Different calculators, financial providers or professional advisers may also use different methodologies, assumptions or conventions and may therefore produce different results from the same or similar information.

Where a calculator uses tax rules, allowances, thresholds or other information that can change, we aim to keep the relevant data current. However, you should check important figures against appropriate official or professional sources before relying on them for a significant financial decision.

Results produced by Calfiny calculators are for general informational and educational purposes. They do not represent a quotation, offer, valuation, financial forecast or guarantee of a particular outcome.

More information about how our calculators are constructed, tested and maintained is available in our Calculator Methodology.

6. Accuracy and Keeping Information Current

We aim to provide clear and accurate financial information, but financial rules, rates and other information can change.

We take reasonable care when researching, preparing and reviewing information published on Calfiny. Where appropriate, we use official, regulatory or other authoritative sources and aim to explain the information in a clear and understandable way.

Financial information is not always static. Tax rules, allowances, thresholds, interest rates, product terms, government policies and other information can change, sometimes at short notice.

We review and update our content and tools where appropriate, but we cannot guarantee that every page will always reflect the most recent change immediately after it occurs.

Information obtained from third-party sources may also be changed, corrected or withdrawn after we have used it. Where Calfiny refers to information provided by another organisation, you should check the original source when the current position is important to a decision you are making.

Despite the care we take, errors can occur. If we identify a material error, we aim to investigate it and make an appropriate correction.

You can find more information about our approach to research, source selection, updates and corrections in our Sources & Accuracy Policy and Corrections Policy.

7. Third-Party Websites, Products and Services

Calfiny may link to external websites and services to provide additional information or help you explore financial products and resources.

Calfiny may contain links to websites, products, services or resources operated by third parties. These links may include government and regulatory websites, financial providers, professional organisations and other external sources.

We provide external links where we believe they may be useful or relevant. However, third-party websites are operated independently from Calfiny, and we do not control their content, availability, security, privacy practices or the information they provide.

A link from Calfiny does not necessarily mean that we endorse everything published by that organisation or guarantee the suitability of its products or services.

Product features, prices, interest rates, eligibility requirements, terms and other information provided by third parties can change. You should check important information directly with the relevant provider before applying for, purchasing or relying on a product or service.

If you choose to visit a third-party website or enter into an agreement with a third party, that relationship is between you and the relevant organisation. Their own terms, conditions and privacy policies will apply.

Some external links may be affiliate links through which Calfiny can earn a commission. Our approach to these commercial relationships is explained in the next section and in our Affiliate Disclosure.

8. Affiliate and Commercial Relationships

Calfiny may earn money from some links or commercial relationships, but these arrangements do not determine the information or conclusions we publish.

Some links on Calfiny may be affiliate links. If you follow one of these links and subsequently purchase, apply for or use a product or service, Calfiny may receive a commission or other payment from the provider or an affiliate network.

Using an affiliate link will not normally increase the price you pay.

Commercial relationships do not guarantee favourable coverage, inclusion in our content or a particular position within an article, guide or comparison. We may discuss products, services or providers with which we have no commercial relationship, and we may choose not to feature an affiliate partner where it is not relevant to the subject being covered.

Where we refer to a product or service, its inclusion should not be interpreted as a personalised recommendation or an indication that it is suitable for your circumstances. You remain responsible for assessing the information available and checking the provider’s current terms before making a decision.

We aim to identify affiliate or other commercial links clearly where appropriate so that you can understand when Calfiny may benefit financially from your interaction with a third party.

Further information about how we use affiliate links and protect our editorial independence is available in our Affiliate Disclosure.

9. Intellectual Property

Calfiny’s original content, calculators, software, design and branding are protected by intellectual property rights.

Unless stated otherwise, the original content and materials published on Calfiny are owned by or licensed to Calfiny. This includes our written content, calculator implementations, interactive tools, software, code, graphics, branding, page designs and other original website materials.

You may access and use Calfiny for your own personal, non-commercial purposes. You may also share links to publicly available Calfiny pages.

You must not copy, reproduce, republish, distribute, sell, license or commercially exploit substantial parts of Calfiny’s original content or technology without our permission, except where this is permitted by law.

You must not reproduce or embed our calculators or interactive tools on another website, copy their underlying code, or present Calfiny content or tools as your own.

These restrictions do not mean that Calfiny claims ownership of general mathematical formulas, financial principles, publicly available facts, legislation, tax rules or other information that is not capable of being owned by Calfiny. Our rights relate to the original way we create, write, design, organise and implement our content and tools.

Limited quotation or reference to Calfiny may be permitted where allowed by applicable copyright law, provided it is fair, proportionate and appropriately attributed.

10. Acceptable Use

You must use Calfiny lawfully and must not interfere with the website, its security, its content or its availability to other users.

You must not use Calfiny for any unlawful, fraudulent or harmful purpose, or in a way that infringes the rights of Calfiny, another user or any third party.

You must not attempt to gain unauthorised access to Calfiny, the systems or infrastructure supporting the website, or any data or functionality that is not intended to be publicly accessible.

You must not deliberately introduce viruses, malicious code or other material intended to damage, disrupt or compromise the website or its users.

You must not use automated systems, scripts, bots, crawlers or similar technologies to access, extract or reproduce substantial amounts of Calfiny content or data where doing so places an unreasonable burden on the website, circumvents technical restrictions, or infringes our intellectual property or other rights.

You must not use Calfiny content, calculators, code or other original materials to create a substantially copied or misleadingly similar service, or falsely suggest that another website, product or service is operated by, endorsed by or affiliated with Calfiny.

Legitimate use of search engines, accessibility technologies and other services that access publicly available pages in the ordinary operation of the web is not prohibited by this section.

We may take reasonable steps to restrict or block access where we believe the website is being misused, its security or operation is being threatened, or these Terms are being materially breached.

11. Availability and Changes to Calfiny

We aim to keep Calfiny available and useful, but we may need to change, suspend or withdraw parts of the website from time to time.

We do not guarantee that Calfiny, or any particular article, calculator, tool or feature, will always be available or operate without interruption.

Access may occasionally be affected by maintenance, technical problems, security issues, updates or circumstances outside our reasonable control.

We may add, remove, replace or modify content, calculators, tools and other website features as Calfiny develops. This may include changing the design, functionality, methodology or information used by a calculator where we believe an update is appropriate.

We may also temporarily suspend or permanently withdraw a feature or part of the website without notice where reasonably necessary, including where it has become outdated, cannot be maintained reliably or is affected by legal, regulatory, technical or security considerations.

Where we make changes to a calculator or methodology, results produced after an update may differ from results previously produced using the same inputs. This does not necessarily mean that either result was incorrect; the underlying assumptions, data, rules or calculation methodology may have changed.

We are not responsible for retaining previous calculator results or ensuring that a particular version of a tool remains available. If a calculation is important to you, you should keep your own record of the relevant inputs, assumptions and results.

12. Our Responsibility to You

We take reasonable care in providing Calfiny, but there are limits to the responsibility we can accept for your use of the website and the decisions you make.

Calfiny is provided for general informational and educational purposes. While we take reasonable care in producing and maintaining our content and tools, we cannot guarantee that every piece of information will always be complete, accurate, current or suitable for a particular purpose.

We are not responsible for financial decisions made solely on the basis of information, calculations or examples provided by Calfiny. You should consider your own circumstances and verify information that is important to a significant financial decision.

Where permitted by law, we will not be responsible for losses arising from circumstances outside our reasonable control, from the unavailability of the website, or from your reliance on information that you knew or reasonably should have known was incomplete, outdated or based on assumptions that did not apply to your circumstances.

We are also not responsible for the content, products, services, security or availability of third-party websites or organisations that you choose to access through links from Calfiny.

Nothing in these Terms excludes or limits liability where it would be unlawful for us to do so. This includes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot legally be excluded or limited.

If you use Calfiny as a consumer, nothing in these Terms affects any statutory rights or other protections that you are entitled to under applicable consumer law.

13. Your Responsibility

You are responsible for how you use Calfiny and for checking that the information and assumptions you rely on are appropriate for your circumstances.

You are responsible for the financial decisions you make and for deciding whether information provided by Calfiny is relevant to your circumstances.

When using our calculators and interactive tools, you are responsible for the information you enter and the assumptions you choose. You should review your inputs carefully, particularly where a small change could materially affect the result.

Before making a significant financial decision, you should check important figures, rates, thresholds, product terms and other relevant information against an appropriate current source. Where information relates to a third-party product or service, you should confirm the current details directly with the provider.

You should not treat an illustrative calculation, example or general explanation as a substitute for considering your own circumstances. Where a decision requires personalised financial, investment, tax, legal or other professional guidance, you should consider seeking advice from a suitably qualified professional.

You are also responsible for keeping your own records of any calculator results or information that you may want to refer to later. Calfiny does not guarantee that particular content, tools, assumptions or previous results will remain available indefinitely.

14. Privacy and Cookies

We respect your privacy and explain separately how Calfiny handles personal information and uses cookies and similar technologies.

Your use of Calfiny may involve the collection and processing of certain information, including information generated when you visit or interact with the website.

Our Privacy Policy explains what personal information we may collect, why we collect it, how it may be used, the circumstances in which it may be shared, how long it may be retained and the rights available to you under applicable data protection law.

Calfiny may also use cookies and similar technologies for purposes such as operating the website, remembering preferences, understanding how the website is used and, where applicable, supporting analytics or other services.

Our Cookie Policy provides more information about the cookies and similar technologies used on Calfiny and the choices available to you.

These Terms do not replace our Privacy Policy or Cookie Policy. You should read those policies if you would like more information about how your information and cookie preferences are handled.

15. Changes to These Terms

We may update these Terms from time to time to reflect changes to Calfiny, our practices or the legal and regulatory environment.

We may revise these Terms where necessary, including when we introduce or change website features, calculators or services, update our business practices, or need to reflect changes in applicable law or regulation.

When we update these Terms, we will publish the revised version on Calfiny and update the Last updated date shown on this page.

Changes will normally apply from the date the revised Terms are published unless we state otherwise.

Where a change is particularly significant, we may take additional reasonable steps to bring it to users’ attention.

Your continued use of Calfiny after updated Terms take effect will mean that your use of the website is subject to the revised Terms.

We recommend checking this page occasionally if you use Calfiny regularly so that you are aware of the Terms that currently apply.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales, while preserving any mandatory legal rights that apply to you as a consumer.

These Terms, and any dispute or claim arising from or connected with them or your use of Calfiny, are governed by the laws of England and Wales.

If you are a consumer living in England or Wales, the courts of England and Wales will have jurisdiction over disputes relating to these Terms.

If you are a consumer living in Scotland, you may also be entitled to bring proceedings in the Scottish courts. If you are a consumer living in Northern Ireland, you may also be entitled to bring proceedings in the Northern Irish courts.

If you access Calfiny from outside the United Kingdom, local laws may provide you with mandatory rights or protections that cannot lawfully be excluded by these Terms.

Nothing in this section is intended to restrict any mandatory consumer rights or legal protections that apply to you under applicable law.