Terms of Service

Welcome to Gilt Calculator (www.giltcalculator.co.uk). These Terms of Service govern your use of our website, tools, and services. By accessing or using our Services, you agree to be bound by these Terms.

1. Use of services

Gilt Calculator provides tools for calculating and building gilt (UK government bond) investment ladders. You agree to use the Services only for lawful purposes and in accordance with these Terms. You must be at least 18 years old to use our Services.

• You will not use the Services to engage in any illegal or unauthorised activity.
• You will not attempt to gain unauthorised access to our systems or data.
• You will not use the Services to transmit malicious code or engage in harmful activities.

2. No financial advice

The information and tools provided by Gilt Calculator are for informational and educational purposes only. They do not constitute financial, investment, or professional advice. You are responsible for consulting with qualified financial advisors before making investment decisions. Gilt Calculator is not liable for any losses or damages resulting from your use of the Services.

3. Intellectual property

All content, designs, logos, and tools on the Gilt Calculator website are owned by or licensed to Gilt Calculator. You may not reproduce, distribute, or create derivative works from our content without express written permission.

4. User accounts and subscriptions

Account security

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately if you suspect unauthorised use.

Payments

Certain features require a paid subscription. Payments are processed through Stripe and are non-refundable unless otherwise stated. We may modify subscription fees with prior notice.

5. Limitation of liability

To the fullest extent permitted by law, Gilt Calculator, its affiliates, and its service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. Our total liability shall not exceed the amount you paid for the Services in the preceding 12 months.

6. Termination and governing law

Termination

We may suspend or terminate your access to the Services at our discretion for any violation of these Terms. You may terminate your account at any time by contacting us.

Governing law

These Terms are governed by the laws of England and Wales. Any disputes shall be resolved in the courts of England and Wales.

7. Contact and updates

We may update these Terms from time to time. We will notify you of significant changes by posting the updated Terms on our website or via email. Your continued use of the Services constitutes acceptance of the revised Terms.

If you have any questions about these Terms, please contact us at giltcalculator@gmail.com.