Last updated: 15 May 2026
These Terms of Service (“Terms”) govern your access to and use of Mortgage Toolkit at https://mortgagetoolkit.online. By using the site, you agree to these Terms.
1. Educational use only — not advice
The site, including all calculators, tools, articles, and other content, is provided for general educational and informational purposes only. Nothing on the site is financial, investment, legal, or tax advice, and nothing constitutes a recommendation to buy, sell, hold, or refinance any product or security.
We are not financial advisors, and we are not acting in a fiduciary capacity. You should consult qualified professionals (for example, a licensed financial adviser, mortgage broker, accountant, or solicitor) before making decisions based on information from this site.
2. No warranties
The site is provided “as is” and “as available” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Calculators and articles may contain errors, simplifications, or outdated information. Rates, rules, and regulations change; your lender’s terms control your mortgage, not our tools.
3. Limitation of liability
To the fullest extent permitted by law, Mortgage Toolkit and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising from your use of the site or reliance on any content. Our total liability for any claim arising out of these Terms or the site is limited to the greater of (a) the amount you paid us to use the site (typically zero) or (b) fifty pounds sterling (£50), except where such limitation is not permitted by law.
4. Advertising, analytics, and affiliate programmes
We may display advertisements and use monetisation partners. Examples include, without limitation, Google (including advertising products such as Google AdSense), Ezoic, Mediavine, and other ad networks or technology providers. Such partners may collect or receive information as described in our Privacy Policy.
We may participate in affiliate programmes. If you use affiliate links on the site, we may earn a commission. Affiliate relationships do not increase the price you pay for third-party goods or services. Identifying specific affiliates on every page may not always be practical; you should assume some outbound links may be monetised.
5. Acceptable use
You agree not to:
- Use the site unlawfully or in a way that harms others or our infrastructure
- Attempt to gain unauthorised access to our systems or other users’ data
- Scrape, harvest, or automate access in violation of these Terms or applicable law
- Misrepresent your identity or affiliation
6. Intellectual property
The site’s design, text, graphics, logos, and original content are owned by us or our licensors and are protected by copyright and other laws. You may view and print reasonable portions for personal, non-commercial use. You may not copy, modify, distribute, or create derivative works without our prior written consent, except as allowed by mandatory law.
7. Third-party links and services
The site may link to third-party websites or services. We do not control and are not responsible for their content, practices, or policies. Your use of third-party services is at your own risk and subject to their terms.
8. Changes
We may modify these Terms or discontinue parts of the site at any time. We will post updated Terms on this page and update the “Last updated” date. Continued use after changes constitutes acceptance. If you do not agree, stop using the site.
9. Governing law
These Terms are governed by the laws applicable to the operator of Mortgage Toolkit, without regard to conflict-of-law rules. Courts in the appropriate jurisdiction may hear disputes, subject to any mandatory consumer protections that apply where you live.
10. Contact
For questions about these Terms: zetricofficial@gmail.com. See also our Contact page.