Terms of Use

Acceptance of Terms

By accessing or using OwnCalc at owncalc.com ("the Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We reserve the right to update these terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.

Nature of the Service

OwnCalc provides free online calculators for mortgage payments, home affordability, refinance savings, and related home finance topics. All calculators are provided for informational and educational purposes only. The results produced by our calculators are estimates based on the inputs you provide and standard financial mathematics. They do not constitute financial, legal, tax, or investment advice of any kind.

Not Financial Advice

The information and calculator results provided on OwnCalc are not a substitute for professional financial advice. Before making any significant financial decision — including purchasing a home, refinancing a mortgage, or taking out any loan — you should consult with a qualified financial adviser, mortgage broker, or other licensed professional who can take your full personal circumstances into account.

OwnCalc makes no representations or warranties, express or implied, that:

• Calculator results will match actual loan offers, lender quotes, or real-world outcomes
• Interest rates, home prices, or other data on the Site are current or accurate for your specific situation
• Any particular financial strategy or decision will be suitable for you

Accuracy of Information

We endeavour to keep the information on OwnCalc accurate and up to date. However, we make no guarantee of accuracy, completeness, or fitness for any particular purpose. Mortgage rates, home prices, tax rates, insurance premiums, and other figures displayed on the Site are indicative estimates based on publicly available data sources and may not reflect current market conditions or your specific circumstances.

Permitted Use

You may use OwnCalc for your own personal, non-commercial informational purposes. You may not:

• Reproduce, distribute, or republish any substantial portion of the Site's content without our written permission
• Use automated tools, bots, or scrapers to access or extract data from the Site
• Use the Site in any way that violates applicable laws or regulations
• Attempt to interfere with or disrupt the Site's operation or security

Intellectual Property

All content on OwnCalc — including text, calculator logic, design, and code — is the property of OwnCalc or its licensors and is protected by applicable intellectual property laws. Nothing in these Terms grants you any rights in or to that content beyond the limited right to use the Site for your own personal informational purposes.

Third-Party Links and Services

OwnCalc may contain links to third-party websites, including lenders, financial services providers, and affiliate partners. These links are provided for your convenience only. We do not control, endorse, or accept responsibility for the content, privacy practices, or services of any third-party site. Clicking an affiliate or sponsored link may result in OwnCalc earning a commission. This does not affect the price you pay or our editorial independence.

Advertising

OwnCalc displays advertisements served by Google AdSense. We do not control the specific ads displayed and are not responsible for their content. Advertisements are clearly distinct from OwnCalc's own content.

Disclaimer of Warranties

OwnCalc is provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by applicable law, OwnCalc and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of — or inability to use — the Site or any calculator results, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising out of these Terms or your use of the Site shall not exceed £100 (or equivalent in your local currency).

Governing Law

These Terms of Use are governed by and construed in accordance with applicable law. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the applicable territory.

Changes to These Terms

We may update these Terms of Use from time to time. When we do, we will update the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the new terms.

Contact

If you have any questions about these Terms of Use, please contact us at hello@owncalc.com.