Terms of Service

Who you are contracting with

The Investing Buffalo members area is operated by [COMPANY NAME], a company registered in England and Wales (number [COMPANY NUMBER]), registered office [REGISTERED OFFICE]. These terms are a contract between you and that company. Contact: [PRIVACY EMAIL].

This is an educational tool, not financial advice

This is the most important thing on this page, so it is near the top.

Investing Buffalo is not authorised or regulated by the Financial Conduct Authority, and nothing in the members area is a personal recommendation or financial advice. The calculators perform arithmetic on figures and assumptions you supply. Their outputs are illustrations of those assumptions, not forecasts, predictions, or advice about what you should do.

We do not tell you what to buy or sell, we do not name specific investments, funds, platforms or providers, and we do not assess whether anything is suitable for your circumstances. If you want advice about your own situation, speak to an FCA-authorised financial adviser.

Investments can fall as well as rise and you may get back less than you put in. Past performance does not indicate future results. Tax treatment depends on your individual circumstances and may change.

Who can use it

You must be 18 or over. The service is offered to residents of the United Kingdom only, and payment is restricted to UK billing addresses.

Your account is yours alone. Do not share your login. You are responsible for what happens under your account, so keep your password to yourself and use one you don’t use anywhere else.

Subscription and payment

Some tools are available without payment. The rest require an active subscription, billed in advance on a recurring basis at the price shown when you subscribe. Payment is taken by Stripe; we never see or store your card details.

You can cancel at any time from your account. Cancelling stops future payments and you keep access until the end of the period you have already paid for. We do not refund part-used periods, except where the law requires it.

If we change the price, we will tell you before it takes effect and you may cancel if you would rather not continue.

Your figures

The figures you save remain yours. We store them so you can come back to them, we do not share them, and you can export or delete them at any time. How we handle them is set out in our privacy policy.

The calculators are only as accurate as what you put in. We take care over the underlying maths and test it, but we cannot be responsible for decisions you make on the basis of figures or assumptions you chose.

Acceptable use

Do not attempt to break, overload, or gain unauthorised access to the service or to other members’ data; scrape or bulk-extract the tools; resell or redistribute access; or reverse engineer the calculators for a competing product.

If you find a security problem, please tell us at [PRIVACY EMAIL] rather than exploiting it. We will not pursue anyone who reports a genuine vulnerability responsibly and does not access other people’s data.

Availability

We aim to keep the service running but do not guarantee uninterrupted availability. We may need to suspend it for maintenance, and we will give notice where we reasonably can.

Liability

Nothing here limits our liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited. Subject to that, and because this is an educational tool rather than advice, we are not liable for investment losses, lost profits, or decisions taken on the basis of calculator output. Our total liability in any twelve-month period is limited to the amount you paid us in that period.

If you are a consumer, you have statutory rights that these terms do not affect.

Ending the agreement

You may close your account at any time from your settings. We may suspend or close an account that breaches these terms, and will explain why unless we are legally prevented from doing so.

Changes and governing law

Each version of these terms is numbered and dated. If we make a change that affects you, we will ask you to accept the new version when you next sign in. These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction.