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Terms and Conditions

These terms of use are designed to govern your usage of our website. Please carefully read these terms before accessing the website. If you do not agree with these terms of use, please refrain from using this website. Your continued usage of this site implies your unequivocal acceptance of these terms.

Website Access

Registration is not required to access the majority of this website's content.

Use of Website

This website may be utilized for personal, non-commercial purposes, provided that such usage complies with these terms.

You are permitted to print and download materials from this website for personal use, provided you do not modify or reproduce any content without our prior written consent.

Site Uptime

We take all reasonable measures to ensure the website's uninterrupted operation. However, technical issues may occasionally lead to downtime. We shall not be held liable for any unavailability of the website. While we endeavor to provide prior notice of maintenance-related downtime, such notification is not obligatory.

Visitor Provided Material

Material submitted or posted by visitors on this website is considered non-proprietary and non-confidential. We retain the right to copy, disclose, distribute, or use such material for any appropriate purpose, excluding personal information, which is governed by our Privacy Policy.

You shall not post or transmit any material on this website that:

  • You lack the necessary consents for.
  • Is discriminatory, obscene, pornographic, defamatory, incites racial hatred, breaches confidentiality or privacy, may cause annoyance or inconvenience to others, promotes criminal conduct, or violates UK laws.
  • Contains harmful elements such as computer viruses, Trojan horses, corrupted data, or potentially damaging software.

Links to and from Other Websites

This website may contain links to third-party websites. The inclusion of such links does not imply endorsement. You visit these websites at your own risk.

Any party wishing to link to this website must adhere to these conditions:

  • Do not falsely imply our endorsement of another party's services or products.
  • Do not misrepresent your relationship with this website.
  • Ensure your website linked to ours does not contain offensive, controversial content or infringe upon intellectual property rights.


While we strive to maintain up-to-date and accurate information on this website, we do not guarantee the accuracy and timeliness of all materials.

All materials on this website are provided without warranties or guarantees of any kind, and you use them at your own discretion.

Exclusion of Liability

We are not liable for any loss or damage resulting from your use of this website. Nothing in these Terms of Use limits or excludes liability for death or personal injury caused by negligence, which cannot be excluded under UK law.

Law and Jurisdiction

These terms of use are subject to English law. Any dispute relating to these terms is under the exclusive jurisdiction of the Courts of England and Wales.

How We Use Your Personal Data

Data entered into the website calculators is used solely for calculations and immediate display to you, with no data stored beyond the time required for these calculations. Usage data (e.g., IP address, browser type, etc.) collected by Google Analytics is processed for the purpose of analyzing website usage and improving services. Publication data may be processed with your consent for publication on our website. Correspondence data may be processed for communication and record-keeping purposes. We may process your personal data for legal claims, insurance coverage, risk management, and professional advice. Please do not provide others' personal data without our prompt request.

Providing Your Personal Data to Others

We may disclose your personal data to insurers, professional advisers, and for legal obligations, or the protection of vital interests.

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