Last updated: November 9, 2026

These Terms of Use apply to this website and its articles, newsletters and tools (the "Website"), operated by General Publications Ltd. ("General Publications," "we," "us," "our"). By using the Website, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Website. We may update these Terms at any time; the date above shows the latest version, and your continued use of the Website means you accept it.

The Website is intended for adults in the United States and is not directed to anyone under 18. By using it, you confirm that you are at least 18 years old.

1. Information only, not advice

The Website's articles, tools and other content are for general information and, where stated, entertainment only. They are not financial, investment, tax, legal, medical, veterinary or other professional advice. Tool results are estimates based solely on the information and assumptions you enter; they are not offers, quotes or guarantees. We are not a lender, broker or provider of the products discussed, and figures from public sources may be approximate or out of date. You are solely responsible for your decisions; consult a qualified professional where appropriate, and in an emergency contact the appropriate emergency service right away.

2. Our tools

What you type into our tools is processed in your browser and is not sent to us, unless the tool clearly states otherwise. Some tools let you email your results to yourself; your email address and results are then used only to send that email, as described in our Privacy Policy. If you keep information on your device, anyone with access to that device and browser may see it, and you can delete it at any time with the option in the tool. Where we do not receive your information, we cannot recover it and are not liable for its loss. Other information about your use of the Website is handled as described in our Privacy Policy.

3. Our content

The Website's content, names and logos, including any registered trademarks, belong to us or our licensors. You may view the Website, use its tools, and download or print your results and our printable materials for personal, non-commercial use, without removing any copyright or other notices. Any other use, including copying, republishing or reselling our content, requires our written permission. Other brand names are mentioned for description only and do not imply endorsement.

4. Things you send us

Questions, comments, suggestions and other materials you send us are non-confidential, as described in our Privacy Policy, and you allow us to use them for any lawful purpose without compensation. This does not apply to what you type into our tools, which is not sent to us unless you choose to email your results to yourself (see Section 2).

5. Acceptable use

You may not misuse the Website. In particular, you may not break the law or infringe anyone's rights through it; interfere with it or try to gain unauthorized access to it; copy or collect its content by robots, scrapers or other automated means, including to train artificial intelligence models, without our written permission; frame it on another website; or use it to send unsolicited messages or to impersonate anyone. We may restrict or end access for anyone who violates these Terms.

6. Third-party websites

The Website may link to websites, products and services of others. We do not control them and are not responsible for their content, accuracy or practices, and your use of them is at your own risk and subject to their own terms. Some pages may contain affiliate links. If you click one and make a purchase, we may earn a commission. Where a page contains affiliate links, we say so on that page.

7. Advertisers

We may allow advertisers to display advertisements on the Website, including interest-based advertising as described in our Privacy Policy. We only provide the space for these advertisements and are not responsible for the products or services advertised.

8. Copyright complaints

If you believe that content on the Website infringes your copyright, send a notice that meets the requirements of the Digital Millennium Copyright Act (17 U.S.C. § 512(c)(3)) to us at the contact details below.

9. Electronic communications

You agree that we may provide notices, policies and other communications to you electronically, by email or on the Website, and that they satisfy any legal requirement that such communications be in writing.

10. No warranties

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, TO THE FULLEST EXTENT PERMITTED BY LAW. WE DO NOT WARRANT THAT ITS CONTENT OR TOOL RESULTS ARE ACCURATE, COMPLETE, CURRENT OR ERROR-FREE, OR THAT THE WEBSITE WILL BE AVAILABLE WITHOUT INTERRUPTION. YOU USE THE WEBSITE AT YOUR OWN RISK.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR DIRECTORS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE WEBSITE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE WEBSITE WILL NOT EXCEED US$100. Some jurisdictions do not allow these limitations, so they may not apply to you.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by law.

12. Indemnity

You agree to defend, indemnify and hold us harmless from any third-party claims, losses and costs, including reasonable attorneys' fees, arising from your violation of these Terms or of anyone's rights.

13. Governing law and disputes

These Terms are governed by the laws of England and Wales, and you and General Publications agree to the exclusive jurisdiction of the courts of England and Wales. Nothing in these Terms limits rights you may have under the mandatory laws of the place where you live. Before starting any legal proceeding, you agree to contact us in writing, describe the dispute and give us sixty (60) days to resolve it informally. To the extent permitted by law, any claim related to these Terms or the Website must be brought within one (1) year after it arises.

14. California users

If a complaint is not satisfactorily resolved, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

15. General

We may change, suspend or discontinue the Website at any time. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce a right is not a waiver of it. These Terms and our Privacy Policy are the entire agreement between you and us about the Website, and we may transfer our rights under them.

16. Contact us

General Publications Ltd.
Fenchurch House
12 King Street
Nottingham
NG1 2AS, UK
Phone: 1-800-984-1420
Email: contact@general-publications.com