Terms of Use & Legal Disclaimers

1. Educational & Informational Modeling Only

All calculators, converters, tables, and guides on this portal are provided solely for educational, illustrative, and personal estimation purposes. MyUtilityTools UK is not an authorized financial adviser, mortgage intermediary, legal practice, tax consultancy, or regulated conveyancing firm.

2. No Regulated Financial Advice

The calculations produced on this website do not constitute formal advice under the Financial Services and Markets Act 2000 (FSMA) or Solicitors Regulation Authority (SRA) rules. Prior to entering into mortgage contracts, submitting SDLT/LBTT tax returns to HMRC or Revenue Scotland, or executing financial transactions, users should consult an appropriately qualified professional (such as a CeMAP-qualified mortgage broker, chartered accountant, or solicitor).

3. Limitation of Liability

While every effort is made to maintain complete algorithmic parity with current UK statutory rules, MyUtilityTools UK and its contributors make no express or implied warranties regarding accuracy, completeness, or fitness for a particular purpose. To the fullest extent permitted by English law, we disclaim liability for any financial loss or decision made based on these tools.

4. Intellectual Property & Acceptable Use

The code architecture, layout, design system, and written content on this domain are protected by copyright. Automated scraping, framing, or unauthorized replication of our client-side software is strictly prohibited.