Usage Agreement

Effective Date: 27/06/2025
Website: https://creditcardcalculator.co.uk
Operator: TFE Group Ltd., United Kingdom

1. Agreement to Terms

By using this website, you agree to be bound by this Usage Agreement and our Privacy Policy. If you do not agree with any part of these terms, please do not use the Site.

2. Data Collection and Usage

By using the calculators, tools, and services on this Site, you acknowledge and agree that:

  • All data you input or generate while using this Site may be collected by TFE Group Ltd.

  • This data is collected and stored in an anonymized, non-personal form.

  • You grant TFE Group Ltd. a perpetual, worldwide, irrevocable, royalty-free, transferable license to store, process, analyze, share, publish, and commercialize this data in any form, including aggregated insights or derivative works.

TFE Group Ltd. may use this data to develop analytical tools, reports, commercial products, or research insights.

3. No Personal Data

This Site does not collect personally identifiable information (PII), and no user registration, login, or identity verification is required. As such:

  • You agree that TFE Group Ltd. cannot and will not attempt to match any data submitted to a specific individual.

  • You acknowledge that no deletion, access, or correction requests can be honored, as the data is not linked to identifiable individuals.

4. No Effect on Credit Scores

Using this Site does not impact your credit score or financial history.
No information entered on the Site is personally identifiable and therefore your personal data (PII) is not shared with credit reference agencies, lenders, or financial institutions for the purpose of credit scoring.

5. Intellectual Property

All content, calculators, visual elements, branding, and underlying data structures are the intellectual property of TFE Group Ltd. You may use the Site for personal, informational, or non-commercial purposes only.

You may not reverse-engineer, scrape, reproduce, or repurpose the Site’s functionality or outputs for commercial gain without prior written consent.

6. No Warranty

This Site is provided “as is”, without warranties of any kind. While we aim for accuracy and reliability, TFE Group Ltd. makes no guarantees about:

  • The accuracy or completeness of any calculation or result

  • The suitability of the Site for any particular purpose

  • The availability or uptime of the Site

7. Limitation of Liability

To the fullest extent permitted by law, TFE Group Ltd. disclaims all liability for any direct, indirect, incidental, consequential, or special loss or damage arising from or in connection with your use of this website, including but not limited to:

  • Inaccurate, incomplete, or outdated calculations or outputs

  • Any decisions, financial or otherwise, made by you or any third party based on outputs or information generated on this Site

  • Business interruption, loss of profits, loss of data, loss of opportunity, or reputational harm

  • Any reliance placed on the Site’s results or interpretations thereof

All tools and outputs on the Site are for informational and illustrative purposes only. They do not constitute financial, legal, or professional advice. You are solely responsible for verifying any results and for making any decisions based on your own judgement or with professional consultation.

TFE Group Ltd. does not warrant that:

  • The calculations or data presented on the Site are free from error;

  • The Site will operate without interruption or be secure at all times;

  • Any specific output is suitable for your personal, financial, or business circumstances.

By using the Site, you expressly acknowledge that you assume full responsibility for any actions taken based on the Site’s information or tools, and you release TFE Group Ltd. from any claims or liabilities resulting from such use.

8. Modifications

We may revise this Usage Agreement at any time without prior notice. Updates will be posted on this page with the “Effective Date” adjusted accordingly. Continued use of the Site after changes constitutes acceptance of the updated terms.

9. Governing Law

This agreement shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of this agreement shall be subject to the exclusive jurisdiction of the courts of England.

10. Contact

For any questions regarding this agreement, please contact:
TFE Group Ltd
Email: info@tfe.ai
Registered Office: 5 South Charlotte Street, Edinburgh, UK, EH24AN
Company Number: SC844047

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