Financial Disclaimer

Last Updated: March 2026

Important Notice

MoneyCounterAI.com is NOT regulated by the Financial Conduct Authority (FCA) or any other financial regulator. Our calculators are educational tools only and do not constitute financial advice, investment advice, or professional guidance.

1. Disclaimer of Professional Financial Advice

MoneyCounterAI provides calculators and financial information for general educational purposes only. We do not provide personalized financial, investment, tax, legal, or accounting advice. You should not rely on our calculators as a substitute for professional advice from:

• Qualified financial advisors or financial planners
• Tax professionals or accountants
• Mortgage brokers or lenders
• Legal professionals
• Other qualified professionals

2. Accuracy and Limitations

While we strive to provide accurate calculators, we cannot guarantee the accuracy of calculations. Results depend on:

• Correct input of your information
• Assumptions built into each calculator (which may not match your exact situation)
• The accuracy of underlying rates and regulations at the time of calculation

Always verify calculator results with official sources and professional advisors before making decisions.

3. No Financial Advice

Using our calculators does not create an advisor-client relationship. You should not act solely on calculator outputs. Always seek independent professional advice before making financial decisions, including purchasing mortgages, loans, investments, insurance, or other financial products.

4. Tax Information Disclaimer

Our tax calculators use 2025/26 UK tax rates and US tax rates current as of 2026. Tax laws change frequently. We cannot guarantee our calculators reflect the most current information. Always verify with:

• HM Revenue & Customs (HMRC) for UK taxes
• The IRS for US federal taxes
• Your local tax authority
• A qualified tax professional

5. Limitations of Calculator Outputs

Our calculators cannot account for:

• Your individual financial circumstances, credit history, or creditworthiness
• Lender-specific requirements or criteria
• Changes in interest rates or market conditions after calculation
• Fees, charges, or penalties not explicitly entered
• Changes in tax law or regulations
• Variable rates, tracker mortgages, or other changing-rate products
• Early repayment charges, exit fees, or other costs

6. External Links Disclaimer

Our website may contain links to external websites. We're not responsible for the content, accuracy, or availability of external sites. External links are provided for your convenience only and do not constitute endorsement.

7. No Warranty

MoneyCounterAI provides calculators "as is" without warranty of any kind. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

MoneyCounterAI shall not be liable for any damages arising from use of or reliance on our calculators, including direct, indirect, incidental, consequential, or punitive damages, even if advised of the possibility of such damages.

9. When to Seek Professional Advice

You should seek professional advice before:

• Applying for mortgages or loans
• Making investment decisions
• Filing tax returns or making significant tax decisions
• Consolidating or refinancing debt
• Starting a business
• Making any significant financial decision

10. Acceptance of Disclaimer

By using MoneyCounterAI, you acknowledge and agree that you have read this disclaimer and agree to be bound by its terms. If you do not agree with this disclaimer, please do not use our calculators.

If you have questions about this disclaimer or our calculators, please contact us.