Terms of Service

Agreement to Terms

By accessing or using MortgageViz, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

Description of Service

MortgageViz provides mortgage calculators, visualisation tools, and educational content focused on UK mortgages. Our tools help you understand potential outcomes of mortgage decisions such as overpayments, but should not be considered financial advice.

Not Financial Advice

Always consult with a qualified financial advisor, mortgage broker, or your lender before making decisions about your mortgage. Calculations are based on the information you provide and standard formulas; actual results may vary based on your specific mortgage terms, lender policies, and other factors.

Accuracy of Calculations

While we strive for accuracy, our calculators provide estimates based on simplified models. They may not account for:

• Early repayment charges from your lender
• Variable rate changes over time
• Fees, insurance, or other costs
• Specific terms in your mortgage contract
• Tax implications

Always verify calculations with your lender before taking action.

User Accounts

If you create an account, you are responsible for maintaining the security of your account and password. You agree to accept responsibility for all activities that occur under your account.

Acceptable Use

You agree not to:

• Use the service for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Interfere with the proper working of the service
• Scrape or collect data from the site without permission
• Use automated systems to access the service excessively

Intellectual Property

The service and its original content, features, and functionality are owned by MortgageViz and are protected by copyright, trademark, and other intellectual property laws.

Limitation of Liability

To the maximum extent permitted by law, MortgageViz shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the service
• Any decisions made based on calculations or content from the service
• Errors or inaccuracies in calculations
• Unauthorised access to your data

Disclaimer

The service is provided on an "as is" and "as available" basis without warranties of any kind. We do not guarantee that the service will be uninterrupted, secure, or error-free.

Governing Law

These terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the new terms on this page. Continued use of the service after changes constitutes acceptance of the new terms.

Contact

For questions about these Terms of Service, contact us at legal@mortgageviz.uk.