Legal
Terms & Conditions
Last updated: 29 July 2026
1. Acceptance of these terms
By accessing or using Tallyo (the "Site"), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site.
2. What Tallyo is
Tallyo provides free calculators covering topics such as mortgages, auto loans, credit card payoff, and retirement savings. These tools are designed to help you explore "what if" scenarios and understand roughly how different numbers affect an outcome.
3. Not financial advice
Nothing on this Site constitutes financial, tax, legal, or investment advice. Tallyo is not a financial advisor, lender, broker, or accountant. The calculators produce estimates based on the numbers you enter and standard formulas — they do not account for your full financial situation, and should not be the sole basis for any financial decision. Always speak with a qualified, licensed professional before making decisions about loans, mortgages, retirement contributions, or debt repayment.
4. Provided "as is," with no warranty
The Site and its calculators are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that any calculation, result, or piece of content on this Site is accurate, current, or error-free.
5. Your responsibility to verify
Rates, fees, tax rules, and lending terms change and vary by lender, product, and jurisdiction. You are responsible for independently verifying any figure produced by this Site — for example with your lender, a licensed financial advisor, or an official government resource — before relying on it.
6. Limitation of liability
To the fullest extent permitted by law, Tallyo and its operator shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the Site or its calculators — including but not limited to financial loss, loss of data, or decisions made in reliance on any calculation shown on this Site.
7. Advertising and third parties
This Site displays advertising served by third parties, including Google. We are not responsible for the content of third-party advertisements, and their inclusion does not imply our endorsement of any advertised product or service. See our Privacy Policy for details on how advertising cookies are used.
8. Intellectual property
The Site's design, text, and underlying code are owned by Tallyo unless otherwise noted. You may not copy, republish, or redistribute substantial portions of the Site without permission.
9. Changes to these terms
We may update these Terms from time to time. Continued use of the Site after a change is posted constitutes acceptance of the revised Terms.
10. Governing law
These Terms are governed by the laws of England and Wales, without regard to conflict of law principles.
11. Contact
Questions about these Terms can be sent to support@i-tao.com.