Please read these terms carefully before using OverpayCalc. By accessing our tools, you agree to be bound by these conditions.
These Terms & Conditions govern your use of OverpayCalc and its financial calculator tools. By using this website, you confirm that you accept these terms. If you do not agree, please discontinue use of this website.
By accessing and using OverpayCalc ("the Website"), you accept and agree to be bound by these Terms and Conditions and our Privacy Policy. These terms apply to all visitors, users, and anyone else who accesses or uses the Website.
We reserve the right to modify these terms at any time. Changes become effective immediately upon posting. Your continued use of the Website after any changes constitutes acceptance of the new terms.
OverpayCalc provides free, browser-based financial calculation tools including but not limited to:
All calculations are performed locally within your web browser. The Website is provided free of charge and requires no registration or account creation.
Our calculators use standard amortisation formulas consistent with those used by financial institutions. However, the results provided are estimates only and may differ from actual lender calculations due to:
You should always verify results directly with your lender or a qualified financial adviser before making financial decisions.
Nothing on this Website constitutes financial, investment, legal, tax, or any other professional advice. The tools and content are provided for informational and educational purposes only.
We strongly recommend that you consult with a qualified financial adviser or mortgage broker before making any financial decisions, including decisions regarding overpayment strategies, loan agreements, or investment choices.
All content on this Website â including but not limited to text, graphics, logos, software code, calculator logic, and design â is the property of OverpayCalc and is protected by applicable intellectual property laws.
You may use the Website and its calculators for personal, non-commercial purposes. You may not:
By using this Website, you agree that you will:
To the fullest extent permitted by applicable law, OverpayCalc and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:
This limitation of liability applies regardless of whether the claim is based on warranty, contract, tort, or any other legal theory, and whether or not we have been advised of the possibility of such damages.
The Website may contain links to third-party websites or services. These links are provided for your convenience only. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.
We encourage you to review the terms and privacy policies of any third-party websites you visit through links on our Website.
We reserve the right to modify, suspend, or discontinue the Website or any of its features at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the service.
We do not guarantee that the Website will be available at all times. The Website may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.
These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you are accessing the Website from outside the United Kingdom, you are responsible for compliance with any local laws that may apply.
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
If you have any questions about these Terms and Conditions, please contact us via our Contact page. We aim to respond to all enquiries within 5 business days.