1. General Information

REPAYLY is a free online financial modelling tool designed to help users better understand mortgage repayments, debt strategies, and overpayment scenarios in the United Kingdom. We are not a financial adviser, broker, or bank. REPAYLY is not regulated by the Financial Conduct Authority (FCA). All content and tools are provided for illustrative and educational purposes only.

2. No Financial Advice

• Calculations and information on this website do not constitute financial, investment, tax, or legal advice.
• Results are based on the assumptions and inputs you provide and are for illustrative purposes only.
• You should consult a qualified, regulated financial adviser before making any financial decisions.
• We are not responsible for any financial decisions or losses you may incur based on information or calculations from this Site.

3. Accuracy of Information

While we strive to keep information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Site or the information contained on it. Interest rates, mortgage rules, tax rates, and regulations change frequently. Always verify the latest information with official sources.

4. User Conduct

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

• Use the Service to transmit any unlawful, harmful, or offensive material.
• Attempt to gain unauthorised access to any part of the Site.
• Use automated tools (bots, scrapers) to extract data without permission.

5. Intellectual Property

All content, tools, calculators, designs, logos, and text on REPAYLY are the intellectual property of REPAYLY and are protected by copyright laws. You may not copy, reproduce, modify, or distribute any part of the Site without our prior written consent. You are welcome to link to our calculators or articles, provided it is done fairly and does not imply endorsement.

6. Zero-Storage & Data Policy

As stated in our Privacy Policy, we do not collect or store any of your personal financial inputs. All calculations run locally in your browser.

7. Third-Party Links & Advertising

The Site may contain links to third-party websites and display advertisements (including via Google AdSense). We are not responsible for the content or practices of those third parties.

8. Disclaimers & Limitation of Liability

The Service is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, REPAYLY disclaims all warranties. In no event shall REPAYLY, its founder (Steve), or affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of the Site.

9. Indemnification

You agree to indemnify and hold REPAYLY harmless from any claims, losses, or damages arising from your breach of these Terms or your use of the Service.

10. Changes to These Terms

We may update these Terms from time to time. We will notify users of significant changes by posting the revised Terms on this page and updating the "Last Updated" date. Your continued use of the Site after changes constitutes acceptance of the new Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact Us

If you have any questions about these Terms and Conditions, please contact us at:
Email: editorial@repayly.uk