Terms of Use

Last updated: March 2026

These terms govern your use of credibrate.com and credibrate.co.uk (“the site”), operated by Credibrate (“we”, “us”, “our”). By using the site, you agree to these terms. If you do not agree, do not use the site.

What the site provides

Credibrate provides free online calculators and tools for general informational purposes. The site covers topics including but not limited to mortgage repayments, stamp duty, income tax, pensions, and general mathematics.

Not financial advice

The calculators and content on this site do not constitute financial advice, tax advice, legal advice, or any other form of professional advice. Results are estimates based on the inputs you provide and the assumptions stated on each calculator page. They are intended for general information and illustration only.

You should not make financial decisions based solely on the output of any calculator on this site. Always seek independent advice from a qualified, FCA-regulated financial adviser, mortgage broker, tax professional, or solicitor appropriate to your circumstances before making any financial commitment.

We do not verify, and are not responsible for, the accuracy or completeness of any information you enter into our calculators.

Accuracy and limitations

We make reasonable efforts to ensure that calculator formulas and data sources (such as HMRC tax bands and stamp duty thresholds) are current and accurate. However:

• Tax rates, thresholds, and allowances change periodically. There may be a delay between a legislative change and our calculators being updated.
• Calculators use simplified models that may not account for every individual circumstance, relief, exemption, or edge case.
• Results may differ from those produced by HMRC, lenders, or professional advisers due to differences in rounding, methodology, or the specific assumptions applied.

We do not guarantee the accuracy, completeness, or suitability of any calculation for any purpose. If you believe a calculator is producing incorrect results, please report it via our contact page.

Affiliate links and advertising

Some pages on the site contain affiliate links to third-party products and services, including mortgage brokers. If you click an affiliate link and subsequently use that service, we may receive a commission. Affiliate relationships are disclosed on every page where they appear and are explained in full on our methodology page.

The presence of affiliate links does not affect the results of any calculator, the order in which information is presented, or the editorial content of the site.

The site also displays advertisements from third-party ad networks. We do not control the content of these advertisements and are not responsible for any products or services advertised.

Third-party links

The site contains links to third-party websites, including mortgage brokers, HMRC, and other external resources. We are not responsible for the content, accuracy, or availability of any third-party site. Inclusion of a link does not imply endorsement.

Limitation of liability

To the fullest extent permitted by law:

• The site and all calculators are provided “as is” and “as available” without any warranty, express or implied, including but not limited to warranties of accuracy, fitness for a particular purpose, or non-infringement.
• We shall not be liable for any loss or damage — whether direct, indirect, incidental, consequential, or otherwise — arising from your use of or reliance on any calculator, content, or information on this site.
• This includes, without limitation, any financial loss resulting from decisions made on the basis of calculator outputs.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

Intellectual property

All content on the site — including text, design, code, calculators, and the Credibrate name and logo — is owned by us or licensed to us. You may use the calculators for personal, non-commercial purposes. You may not reproduce, scrape, redistribute, or commercially exploit any content from the site without our written permission.

Acceptable use

You agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorised access to any part of the site or its infrastructure
• Use automated systems (bots, scrapers) to access the site at a rate that could impair its performance
• Misrepresent the source or origin of any content from the site

Governing law

These terms are governed by the laws of England and Wales. Any disputes arising from these terms or your use of the site shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to these terms

We may update these terms from time to time. The “last updated” date at the top indicates when changes were most recently made. Continued use of the site after changes constitutes acceptance of the updated terms.

Contact

For questions about these terms, contact us at [email protected].