The information provided on the PortfolioHub website and platform (“the Service”) is for general informational and research purposes only. By using the Service, you acknowledge and agree to the terms of this Disclaimer.
1. Not financial or professional advice
PortfolioHub is a technology platform built to support mortgage professionals and property landlords with research, calculations, and administrative tools. Nothing on the Service constitutes financial, mortgage, investment, legal, tax, or any other form of professional advice.
Any output produced by the Service — including affordability calculations, rental yield figures, stress-test results, lender criteria information, and portfolio analytics — is indicative only and must not be relied upon as the sole basis for any decision or recommendation.
2. Accuracy of information
We make reasonable efforts to ensure that the information on the Service is accurate and up to date. However, lender criteria, interest rates, stress rates, tax rules, and other data can change frequently and without notice. We do not guarantee the accuracy, completeness, or timeliness of any information displayed on the Service.
Before making any decision or providing advice to clients based on information from the Service, users are responsible for verifying all figures, criteria, and terms directly with the relevant lender, professional adviser, or authoritative source.
3. User responsibility
If you are a mortgage professional, you remain solely responsible for the advice you give to your clients, including the suitability of any product and the accuracy of any calculations used in that advice. PortfolioHub does not replace, substitute, or supplement the professional judgement and regulatory obligations required of you.
If you are a landlord or property investor, you should always seek independent professional advice before making any decisions that could have financial, legal, or tax implications.
4. No guarantees
We do not warrant that the Service will be error-free, uninterrupted, or free from defects. We do not guarantee that any particular result, saving, or outcome will be achieved through the use of the Service.
5. External links and third-party content
The Service may contain links to third-party websites or display content from third-party sources. We do not control, endorse, or accept responsibility for the accuracy or availability of any third-party content. Your use of such third-party services is at your own risk.
6. Limitation of liability
To the maximum extent permitted by law, PortfolioHub, its owners, employees, and contributors shall not be liable for any loss, damage, or cost arising from your use of, or reliance on, any information or tool provided through the Service. This includes but is not limited to financial loss, loss of business, loss of profits, or any indirect or consequential loss.
Nothing in this Disclaimer excludes or limits our liability for death, personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.
7. Changes to this Disclaimer
We may update this Disclaimer from time to time. When we do, we will update the “last updated” date at the top of this page. Continued use of the Service after any changes means you accept the updated Disclaimer.
8. Contact us
If you have any questions about this Disclaimer, please use our contact form or email waqas.ali@portfoliohub.uk.