Terms of Service
1. General Information and Statutory Disclosures
1.1. These Terms of Service ("Terms") govern your access to and use of ratioreport.com (the "Website"), operated by Ratio Report ("we", "us", "our"), operating as a sole trader.
1.2. In accordance with the Electronic Commerce (EC Directive) Regulations 2002, our required contact information is:
- Trading Name: Ratio Report
- Email Address: contact@ratioreport.com
1.3. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website.
2. No Financial Advice
2.1. The content, articles, and interactive tools provided on the Website (including but not limited to the Take-Home Pay Calculator, Student Loan Repayment Calculator, ISA Allowance Tracker, and Minimum Wage Checker) are for general educational and informational purposes only.
2.2. Ratio Report is not authorized or regulated by the Financial Conduct Authority (FCA).
2.3. Nothing on this Website constitutes financial, tax, legal, or professional advice. You must not rely on the information or calculator outputs on the Website as an alternative to seeking independent advice from a certified accountant or independent financial advisor.
3. AI Content Generation and Human Review
3.1. Certain news articles, summaries, and content published on the Website are initially aggregated and generated using automated Artificial Intelligence (AI) pipelines from third-party RSS feeds.
3.2. We operate a post-publication human review process. We aim to manually review all automated content for accuracy and relevance within 24 hours of its initial publication on the Website.
3.3. Because articles are published automatically prior to human review, and because human review may not detect all automated errors, we cannot guarantee the real-time accuracy, completeness, or factual correctness of AI-generated articles.
3.4. We accept no liability for any errors, hallucinations, omissions, or out-of-date information produced by the automated system, whether accessed during the initial unreviewed publication window or subsequent to our manual review.
4. Limitation of Liability
4.1. To the maximum extent permitted by applicable law, Ratio Report excludes all representations, warranties, and conditions relating to our Website and the use of this Website.
4.2. We do not warrant that the calculators and interactive tools are entirely free from errors, nor that the underlying statutory thresholds and mathematical logic will always reflect the most current legislative changes.
4.3. Ratio Report shall not be liable for any direct, indirect, consequential, or special damages, including but not limited to loss of profit, loss of income, or negative financial outcomes arising from your reliance on the Website's content, calculators, or automated news feeds.
4.4. Nothing in these Terms limits or excludes liability for death or personal injury resulting from negligence, or for fraud or fraudulent misrepresentation.
5. Third-Party Links and RSS Feeds
5.1. The Website aggregates news using third-party RSS feeds and may contain links to external websites.
5.2. We have no control over the content, privacy policies, or availability of these third-party sites. The inclusion of any link or aggregated news story does not imply endorsement by Ratio Report. We accept no responsibility for any loss or damage that may arise from your use of them.
6. Intellectual Property
6.1. Unless otherwise stated, Ratio Report and/or its licensors own the intellectual property rights for all original material on the Website, including the proprietary code, logic, and design of the interactive calculators.
6.2. You may access this for your personal, non-commercial use, subject to restrictions set in these Terms.
6.3. You must not scrape, reverse-engineer, reproduce, duplicate, copy, or commercially exploit material from the Website without our express written permission.
7. Governing Law and Jurisdiction
7.1. These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the law of England and Wales.
7.2. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.