Terms of Service

1. Acceptance of Terms

Welcome to Property Calculator ("Website", "Service", "we", "us", or "our"). By accessing or using propertycalc.me, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service. Please read these Terms carefully before using our Website.

2. Description of Service

Property Calculator provides online property calculation tools for both UK and UAE property markets, including:

• Affordability Calculator: Estimates maximum borrowing capacity and property affordability based on income and deposit
• Fee Calculator: Calculates estimated purchase fees including stamp duty, registration fees, legal costs, and other associated expenses
• Off-Plan Analyzer (UAE): Analyzes potential returns on off-plan property investments including payment schedules and ROI projections
• Educational Guides: Information about property buying processes in UK and UAE markets

All calculations are performed in your browser and are not stored on our servers.

3. Disclaimer of Warranties and Limitation of Liability

3.1 No Financial Advice

The calculators and content provided on this Website are for informational and educational purposes only. They do not constitute:

• Financial advice or recommendations
• Legal advice or guidance
• Tax advice or planning
• Investment advice or recommendations
• Professional mortgage advice
• Real estate consulting services

You should always consult with qualified financial advisors, mortgage brokers, solicitors, accountants, and other professionals before making any property investment or financial decisions.

3.2 Accuracy of Calculations

While we strive to provide accurate and up-to-date calculators and information:

• Results are estimates only and may not reflect actual costs or borrowing capacity
• Calculations are based on general assumptions and may not account for your specific circumstances
• Interest rates, tax bands, fees, and regulations change frequently and may not be current
• Actual mortgage offers and property costs will vary by lender, property, and individual circumstances
• We do not guarantee the accuracy, completeness, or reliability of any calculations or information

3.3 "As Is" Service

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of results
• Uninterrupted or error-free operation

3.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages
• This includes damages arising from your use or inability to use the Service
• We are not responsible for any financial losses, property losses, or investment losses
• We are not liable for decisions made based on information or calculations from this Website
• Our total liability shall not exceed the amount paid by you (if any) for accessing the Service

4. User Responsibilities

4.1 Appropriate Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or servers
• Use automated systems (bots, scrapers) to access the Service without permission
• Reproduce, duplicate, copy, or resell any part of the Service without permission
• Impersonate any person or entity or misrepresent your affiliation
• Upload or transmit viruses, malware, or malicious code

4.2 Verification of Information

You are responsible for:

• Verifying all calculations and information independently
• Consulting with qualified professionals before making decisions
• Ensuring the accuracy of data you input into calculators
• Understanding that results are estimates and not guarantees

5. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by Property Calculator and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Copy, modify, or distribute the Website's code or design
• Reverse engineer or attempt to extract source code
• Remove any copyright or proprietary notices
• Use our trademarks, logos, or branding without permission

You may use the calculators for personal, non-commercial purposes. Any commercial use requires our prior written permission.

6. Third-Party Links and Services

Our Service may contain links to third-party websites or services that are not owned or controlled by Property Calculator.

We have no control over, and assume no responsibility for:

• The content, privacy policies, or practices of third-party websites
• Products or services offered by third parties
• Accuracy of information on external sites

We strongly advise you to review the Terms and Privacy Policies of any third-party sites you visit.

7. Advertising

We use Google AdSense to display advertisements on our Website. These advertisements:

• Are provided by third-party advertisers
• May be targeted based on your browsing behavior
• Are subject to Google's advertising policies
• Do not constitute endorsements by us

We are not responsible for the content of advertisements or the products/services advertised. Clicking on advertisements is at your own risk.

8. Regional Variations and Regulatory Compliance

8.1 UK-Specific Disclaimers

For UK property calculations:

• Stamp Duty Land Tax (SDLT) rates and bands are subject to change by HMRC
• First-time buyer relief eligibility criteria may change
• Mortgage regulations are governed by the Financial Conduct Authority (FCA)
• We are not FCA-regulated and do not provide regulated mortgage advice
• Tax calculations are estimates only; consult HMRC or a qualified accountant

8.2 UAE-Specific Disclaimers

For UAE property calculations:

• Dubai Land Department (DLD) fees and regulations are subject to change
• Mortgage regulations vary by emirate and are governed by the UAE Central Bank
• Non-resident lending criteria may change and vary by bank
• Off-plan investment projections are speculative and not guaranteed
• Developer payment plans and handover dates may change
• Property value appreciation is not guaranteed and depends on market conditions

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key points:

• Calculator inputs are processed locally in your browser and not stored on our servers
• We use cookies and analytics to improve the Service
• We use Google AdSense which may collect data for advertising purposes
• See our Privacy Policy for complete details

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will:

• Provide at least 30 days' notice before new terms take effect
• Update the "Last Updated" date at the top of this page
• Notify users through the Website or via email (if provided)

Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the new terms, you must stop using the Service.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Abusive or inappropriate behavior
• Violation of applicable laws
• Fraudulent or harmful activity

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

12. Indemnification

You agree to defend, indemnify, and hold harmless Property Calculator, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any decisions or actions taken based on information from the Service

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Property Calculator operates, without regard to conflict of law provisions.

13.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through:

• Good faith negotiation between the parties
• Mediation (if negotiation fails)
• Binding arbitration or competent courts (as a last resort)

14. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Property Calculator regarding the Service and supersede all prior agreements and understandings.

16. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Website: propertycalc.me
• Email: Contact us through our Contact Page

We will respond to inquiries within a reasonable timeframe.