Terms of Use

1. Acceptance of terms

By accessing or using Breadcrumb Tools (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We reserve the right to update these terms at any time — continued use of the Site after changes constitutes acceptance of the revised terms.

2. Nature of the service

Breadcrumb Tools provides free online mortgage and property calculators for informational and educational purposes. The Site is a general information resource only and does not provide personalised financial, mortgage, investment, tax, or legal advice.

All calculation results are estimates based on standard financial formulas and the information you provide. Actual financial outcomes will differ based on your specific circumstances, lender policies, market conditions, and other factors outside our control.

3. No financial advice

Nothing on this Site constitutes regulated financial advice, mortgage advice, investment advice, or any other form of professional advice. Breadcrumb Tools is not licensed or authorised to provide regulated financial services in any jurisdiction.

Before making any financial decision, you should consult with a qualified professional in your country, such as a licensed mortgage broker, financial adviser, tax professional, or lawyer.

4. Accuracy of information

We make reasonable efforts to ensure the accuracy of our calculators and content. However, we make no representations or warranties, express or implied, as to the accuracy, completeness, or fitness for any particular purpose of any information on this Site.

Interest rates, tax rules, government incentives, lender requirements, and other inputs change frequently. Information on this Site may not reflect the most current market conditions or regulatory requirements.

5. Limitation of liability

To the maximum extent permitted by applicable law, Breadcrumb Tools and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on this Site or any information contained herein.

This includes, without limitation, any loss of money, financial decisions made based on calculator outputs, or any other financial harm.

6. Intellectual property

All content on this Site, including text, calculator code, design elements, and graphics, is the property of Breadcrumb Tools or its licensors and is protected by applicable intellectual property laws.

You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. Third-party links and advertising

The Site may contain links to third-party websites and may display advertisements through Google AdSense or similar services. We do not endorse or take responsibility for the content, accuracy, or practices of any third-party websites or advertisers.

8. Acceptable use

You agree not to use the Site to: violate any applicable laws or regulations; attempt to gain unauthorised access to any part of the Site; interfere with the proper operation of the Site; or use automated tools to scrape or crawl the Site in a manner that causes disruption.

9. Governing law

These terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these terms or your use of the Site shall be subject to the exclusive jurisdiction of the relevant courts.

10. Contact

For questions about these terms, please use our contact page.