Terms of use

Last updated: 2026-10-03. These terms apply to your use of sumlytools.com ("the site"), which is run by Andrew Crymble, Northern Ireland ("we", "us"). By using the site you agree to these terms. If you don't agree, please don't use the site.

Using the site

You may use the site and its tools free of charge for personal and business purposes. You must not misuse the site, including by trying to gain unauthorised access, introducing malicious code, scraping it in bulk, or using it in any way that breaks the law.

Calculators and guides are for information only

Our tools and guides give general information and estimates. They are not financial, tax, legal or mortgage advice, and they don't take your personal circumstances into account. Tax rates, thresholds and rules change, and while we aim to keep everything accurate and up to date, we don't guarantee it. You should check important figures with HMRC, your lender, your solicitor or a regulated adviser before acting on them. See our disclaimer.

Our liability

We provide the site "as is" and don't promise it will always be available or free from errors. To the extent the law allows, we are not liable for any loss or damage arising from your use of, or reliance on, the site or its results, including loss of profit, income or opportunity. Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited by law.

Intellectual property

The site's design, text, code and graphics belong to us or our licensors. You may share links to any page. You may not copy or republish substantial parts of the site without our written permission.

Adverts and links

The site shows adverts from third parties, including Google, and links to other websites. We don't control and aren't responsible for their content, products or services. Seeing an advert here isn't a recommendation.

Changes

We may update these terms from time to time. The date at the top shows when they last changed. Continuing to use the site means you accept the updated terms.

Law and disputes

These terms are governed by the law of Northern Ireland, and the courts of Northern Ireland have jurisdiction. If you live elsewhere in the UK, you may also bring proceedings in your local courts.

Contact

Questions about these terms: hello@sumlytools.com.