Terms & Conditions

1. Introduction

Welcome to EarlyRT.com ("EarlyRT", "we", "us", or "our"). By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use this website.

EarlyRT provides educational content, tools, and calculators related to personal finance, retirement planning, and mortgage overpayments.

2. Educational Use Only

All content on EarlyRT is provided for informational and educational purposes only. Nothing on this website constitutes financial, investment, tax, legal, or retirement advice.

You acknowledge that any decisions you make based on information from this website are made at your own risk and discretion.

3. No Professional Relationship

Use of this website does not create a professional, advisory, or client relationship between you and EarlyRT.

4. Use of Calculators and Tools

Any calculators, projections, or examples provided on EarlyRT are illustrative only. They are based on assumptions and estimates that may not reflect real-world outcomes.

We do not guarantee the accuracy, completeness, or suitability of calculator results. Actual outcomes may differ due to interest rate changes, fees, taxes, inflation, or individual circumstances.

5. Limitation of Liability

To the fullest extent permitted by law, EarlyRT shall not be liable for any loss or damage (including without limitation indirect or consequential loss) arising from:

Use of, or reliance on, information provided on this website
Inability to access the website
Errors, omissions, or inaccuracies in content or tools

6. External Links

EarlyRT may include links to third-party websites. We do not control or endorse these sites and are not responsible for their content, accuracy, or practices. Accessing third-party websites is at your own risk.

7. Intellectual Property

All content on EarlyRT, including text, graphics, calculators, logos, and design, is owned by or licensed to EarlyRT unless otherwise stated. You may not reproduce, distribute, or modify content without prior written permission, except for personal, non-commercial use.

8. Acceptable Use

You agree not to:

Use this website for unlawful purposes
Attempt to gain unauthorised access to the website or its systems
Disrupt or interfere with the website’s functionality

9. Changes to These Terms

We may update these Terms and Conditions at any time without notice. Continued use of the website constitutes acceptance of the revised terms.

10. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the United Kingdom.