Terms of Use

Last updated: 4 November 2026

These Terms of Use (“Terms”) explain the rules for using the Crestline Money website at aitoolcrestline.com (“the Site”). By using the Site, you agree to these Terms. If you do not agree, please stop using the Site.

1. Who we are

Crestline Money runs the Site and publishes practical guidance on everyday household money, including budgeting, emergency funds and credit scores.

To contact us, use the contact details on our Contact page.

2. What the Site is for

• The Site provides general, educational information for UK adults managing household money.
• The Site and its tools, including the Budget planner, Loan / EMI calculator, Savings goal and Credit card payoff tool, give estimates to help you think things through.
• Nothing on the Site is personalised advice or a recommendation to buy, sell or hold any product.
• Please read our Financial Disclaimer alongside these Terms.

3. Using the tools and content

• Tool results depend on the figures you enter. They are estimates, not quotes or offers from any lender or provider.
• Check any figure, rate, fee or term with the provider and against official sources before you act on it.
• Useful official sources include GOV.UK, the Financial Conduct Authority (FCA) register, the Financial Ombudsman Service and the Money and Pensions Service (MoneyHelper).
• Content may become out of date. We update pages when we can, but we do not promise that every page is current at all times.

4. Affiliate links and how we earn

• Some pages contain affiliate links. If you click one and take up a product or service, we may receive a commission at no extra cost to you.
• Commission does not change our tool results or our explanations. Where we compare options, we aim to explain how we are paid and what the limits of the comparison are.
• Affiliate relationships do not guarantee any outcome. We do not claim that any product carries no risk or is certain to save you money.

5. Acceptable use

You agree not to:

• use the Site for any unlawful purpose or in breach of these Terms;
• copy, scrape or resell large parts of the Site without our written permission;
• attempt to interfere with the Site, its security or its availability;
• post or send anything that is abusive, misleading or infringes someone else’s rights;
• use automated tools to access the Site in a way that places an unreasonable load on it.

6. Intellectual property

The text, graphics, layout, logos and tool designs on the Site belong to Crestline Money or are used with permission. You may view and print pages for personal, non-commercial use. You may not reproduce or republish them without our written permission.

7. Third-party websites and services

The Site may link to third-party websites, lenders, providers and official bodies. We do not control these sites and are not responsible for their content, products, availability or privacy practices. Links are provided for convenience and do not mean that we endorse them.

8. No warranties

We aim to keep the Site accurate and available, but the Site is provided “as is” and “as available”. We do not give any warranty that the Site, its content or its tools will be error-free, complete or uninterrupted.

9. Limitation of liability

To the extent permitted by law:

• we are not liable for any loss arising from your reliance on the Site, its content or its tools;
• we are not liable for losses caused by third-party providers or websites;
• nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot lawfully be limited.

If you rely on general information here, you do so at your own risk, so please check details independently before making a decision.

10. Privacy and cookies

How we handle personal data and cookies is explained in our Privacy Policy. Please read it alongside these Terms.

11. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date at the top shows when they last changed. Continued use of the Site after a change means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of England and Wales. The courts of England and Wales have jurisdiction, unless mandatory consumer law in your part of the United Kingdom gives you the right to bring proceedings elsewhere.

13. Contact

If you have questions about these Terms, please visit our Contact page.