📜 Terms of Service

Thinker Toolbox provides free, browser-based calculators, solvers, and utilities including but not limited to:

• Financial calculators (mortgage, salary, pension, loan, savings, percentage)
• Energy & solar calculators (solar ROI, SEG earnings, Octopus tariff comparison, battery optimiser)
• Date & utility tools (date calculator, tip calculator, cooking converter, Sudoku solver, colour picker)
• Word puzzle solvers (crossword, anagram, Wordle, Scrabble)

All tools run entirely in your web browser. No data is transmitted to any server.

The calculators on this Site are for illustration and estimation purposes only. They do not constitute financial, tax, legal, or professional advice.

Mortgage payments, savings projections, pension estimates, and other financial calculations are approximations based on the figures you provide. Actual amounts may differ depending on your lender's terms, interest rate changes, fees, tax treatment, and other factors not captured by these tools.

Always consult a qualified financial adviser, tax professional, or other appropriate expert before making important financial decisions. Do not rely solely on these calculators when considering mortgages, loans, savings, investments, or pensions.

While we strive for accuracy, we make no warranties or guarantees about the results produced by our tools. The tools are provided "as is" and "as available" without warranties of any kind, either express or implied.

Specifically:

• Calculation results may contain errors or inaccuracies.
• Tax rates, National Insurance thresholds, stamp duty bands, and other regulatory figures may not be up to date.
• Word puzzle results depend on the dictionary used and may not reflect official competitive word lists.
• Solar and energy estimates are based on general assumptions and may not reflect your specific circumstances.

You are responsible for verifying any results before relying on them.

To the fullest extent permitted by law, Thinker Toolbox and its creators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any results produced by the tools.

This includes, but is not limited to, damages for loss of profits, data, goodwill, or other intangible losses resulting from:

• Inaccurate calculation results.
• Any errors or bugs in the tools.
• Any interruption or cessation of the Site.
• Any decision made based on information provided by the tools.

The Site's design, code, and original content are owned by Thinker Toolbox. The word list used in the puzzle solvers is derived from the ENABLE word list (Public Domain).

You may not:

• Copy, modify, or distribute the Site's source code without permission.
• Use the Site's branding, logos, or design without permission.
• Scrape or extract data from the Site through automated means.

You may link to the Site and share links to individual tools freely.

The Site may display advertisements through Google AdSense. These ads are served by Google and are not endorsed by Thinker Toolbox. We are not responsible for the content of third-party advertisements.

You can control personalised advertising through the cookie consent banner on each page or through your Google Ad Settings.