IMPORTANT: By accessing, viewing, or interacting with this website or any of the applications linked herein, you unconditionally agree to the following terms, disclaimers, and limitation of liability. If you do not agree, you must immediately cease use of this site.
1. Educational & Non-Commercial Nature
All web applications, financial calculators, statistical models, document generators, and written summaries are independent software projects created by Anil Dutta strictly for educational demonstration, scientific exploration, and self-study purposes only. None of the materials represent professional, commercial, or licensed advisory services.
2. No Regulated Financial Advice (UK FSMA 2000 & FCA)
Anil Dutta is not an Independent Financial Adviser (IFA), registered investment manager, broker, or tax consultant. Nothing contained on this website or in the Dutta UK Funds Selection Advisor constitutes regulated financial advice or investment recommendations under the UK Financial Services and Markets Act 2000 (FSMA) or regulations administered by the Financial Conduct Authority (FCA). Historical performance data (from FE fundinfo, Trustnet, or public records) is no guarantee of future returns. Investments fluctuate in value; you may lose capital. Always consult an authorized and regulated IFA prior to making investment decisions.
3. Student Loan & Tax Modeling Disclaimers
The UK University Fee & Student Loan Calculator generates mathematical estimates based upon public statutory rules from the Student Loans Company (SLC), Department for Education (DfE), and HM Revenue & Customs (HMRC). Repayment thresholds, interest calculation formulas, and loan write-off periods are subject to retrospective legislative amendments by the UK Parliament. Outputs do not constitute individual tax advice, debt counseling, or binding financial planning.
4. Property & Tenancy Compliance Disclaimers
The UK Landlord & Tenant Compliance Hub provides general informational checklists and draft document templates relating to Selective Licensing (Housing Act 2004 Part 3). These do not constitute legal advice, solicitor services, or guaranteed local authority compliance. Local councils have individual, discretionary enforcement guidelines. No solicitor-client relationship is formed. Landlords must seek independent legal advice from a qualified solicitor or chartered surveyor.
5. Absolute Exclusion of Warranties ("As Is")
This website and all tools are provided on a strictly "AS IS" and "AS AVAILABLE" basis without any representation or warranty of any kind, whether express, statutory, or implied, including but not limited to warranties of completeness, mathematical accuracy, reliability, merchantability, or fitness for any particular purpose.
6. Total Limitation of Liability & Hold Harmless
Under no circumstances shall Anil Dutta or any contributors be held liable for any direct, indirect, incidental, consequential, special, or exemplary damages, financial losses, loss of profits, tax reassessments, regulatory penalties, council fines, or investment outcomes arising out of or in connection with the access, use, or reliance on any software tool, calculation, or information provided on this platform. Users assume 100% of the risk.
7. Governing Law
These terms and disclaimers are governed exclusively by and construed in accordance with the laws of England and Wales, and the courts of England and Wales shall have exclusive jurisdiction.