Website terms & disclaimers

These draft terms are a starting point only. They should be reviewed for your business and jurisdiction before publication.

Legal review recommended: Replace the placeholders and confirm these terms are appropriate for your business. Nothing here removes rights or liabilities that cannot legally be excluded.

1. Website operator

This website is operated by [insert full legal name and business address], trading as Tees Homes, if applicable. Contact: [insert contact email].

2. General information only

Content is provided for general information and educational purposes. It is not financial, mortgage, legal, tax, investment or property advice and should not be relied on as a substitute for advice tailored to your circumstances. Seek advice from appropriately qualified professionals before making decisions.

3. Mortgage and finance disclaimer

Mortgage calculator results are simplified illustrations based on user-entered assumptions. They are not a mortgage offer, agreement in principle, lender affordability assessment, recommendation or confirmation of eligibility. Actual lending criteria, rates, fees, credit commitments, income assessment and product terms vary. The website does not claim to provide regulated mortgage advice. Do not describe or offer regulated activities unless the business has the required permissions or operates under an appropriate authorised arrangement.

4. Property investment disclaimer

Property values and rental income can fall as well as rise. Investment involves risks including void periods, non-payment, repairs, maintenance, interest-rate changes, regulation, tax, illiquidity and transaction costs. Projections are hypothetical and are not forecasts or guarantees of performance. Past performance, where mentioned, is not a reliable indicator of future results.

5. Rental yield and portfolio calculations

Gross yield is based on annual rent divided by the property purchase price. The simplified net yield subtracts only the annual costs entered by the user. Neither calculation necessarily represents profit or total return. Portfolio projections use assumptions and exclude factors unless expressly included, such as borrowing, tax, inflation, fees, repairs, vacancies and changes in market value.

6. Estate agency and property management

References to estate agency, lettings, valuations or property management topics are descriptive only. This website does not itself confirm that those services are offered. Confirm the operator's legal status, credentials, insurance, redress scheme membership, client-money arrangements and any other applicable requirements before relying on a service.

7. Accuracy and availability

We aim to keep information useful, but do not warrant that all content is accurate, complete, current or available at all times. Content may change without notice. You are responsible for checking important information with authoritative sources.

8. External links

External links are provided for convenience. We do not control or endorse third-party content and are not responsible for its availability or accuracy.

9. Liability

To the extent permitted by law, the website operator excludes liability for loss arising from use of general information or calculator outputs. Nothing in these terms excludes or limits liability where doing so would be unlawful, including any liability that cannot be excluded under applicable law.

10. Intellectual property

Unless stated otherwise, the website design, text and branding are intended for use by the website operator. Do not reproduce content without permission, except where permitted by law.

11. Privacy

Personal information is handled as described in the Privacy Policy. Review the Cookie Policy for cookie-related information.

12. Governing law

These draft terms should specify the appropriate governing law and jurisdiction for the operator and audience. Suggested placeholder: the laws of England and Wales, subject to any mandatory consumer protections that apply.

13. Contact

For website questions, contact [insert contact email].

Last updated: [insert date]