By accessing or using Personal Finance Calculator Go ("PFC Go", "we", "us", "our") at pfcgo.com, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the service.
These Terms apply to all users, including those who use PFC Go without an account (guest users), free account holders, and paid subscribers.
PFC Go is a web-based personal finance calculator application that provides tools to model mortgage repayments, savings goals, retirement projections, debt payoff strategies, and other financial scenarios. The service includes:
We reserve the right to modify, suspend, or discontinue any part of the service at any time with reasonable notice where possible.
PFC Go provides financial calculations for information purposes only. Nothing in the service constitutes regulated financial advice, investment advice, tax advice, or any other form of regulated advice under the Financial Services and Markets Act 2000 (FSMA) or any other applicable law.
PFC Go is not authorised or regulated by the Financial Conduct Authority (FCA). Use of this service does not create an adviser-client relationship.
You must be at least 18 years old to create an account. By creating an account, you confirm that you meet this requirement. PFC Go is not directed at children under 13 — see our Privacy Policy for details.
You may use a nickname or pseudonym — we do not require your real name. However, you must provide a valid email address to receive essential account communications.
The free plan is provided at no cost and includes access to all ten calculators and one saved plan. Free features may change with notice.
Pro (£2.99/month) and Adviser (£19/month) plans are billed monthly via Stripe. By subscribing:
The Adviser plan is intended for financial professionals and coaches managing client relationships. You are responsible for ensuring your use of client profiles complies with applicable professional regulations and data protection laws, including any obligations under GDPR regarding data you process on behalf of clients.
You agree not to:
We reserve the right to suspend or terminate accounts that violate these rules without notice.
PFC Go, its name, logo, and all content, software, and functionality are owned by or licensed to Personal Finance Calculator Go and are protected by UK and international intellectual property laws.
You are granted a limited, non-exclusive, non-transferable licence to access and use the service for your personal or professional financial planning purposes. This licence does not include:
Your financial data — the numbers, goals, and plans you enter — belongs to you. See our Privacy Policy for how we handle it.
Your use of PFC Go is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Key points:
The service is provided "as is" and "as available" without warranty of any kind, express or implied. We do not warrant that the service will be uninterrupted, error-free, or that results from the calculators will be accurate for your specific circumstances.
To the fullest extent permitted by law, PFC Go shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service, including but not limited to financial decisions made based on calculator outputs.
Our total liability to you for any claim arising from use of the service shall not exceed the amount you paid us in the 12 months preceding the claim, or £50, whichever is greater.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.
You may stop using the service and delete your account at any time. We may suspend or terminate your access if you breach these Terms, with or without notice depending on the severity of the breach.
Upon termination, your right to use the service ceases. Provisions that by their nature should survive termination (including intellectual property, disclaimers, and governing law) will continue to apply.
We may update these Terms from time to time. If we make material changes, we will notify signed-in users via an in-app notice and update the "Last updated" date at the top of this page. Continued use of PFC Go after changes take effect constitutes acceptance of the updated Terms.
For significant changes that materially affect your rights, we will provide at least 30 days' notice before the new Terms take effect.
These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of the service shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you are a consumer located in another jurisdiction, you may also have rights under local consumer protection laws that cannot be excluded by this clause.
For any questions about these Terms: