Legal
Disclaimer
Last updated: July 2026
PropCalc provides free online calculators and educational content related to real estate investment, property taxation, mortgage analysis, and personal finance. Please read this disclaimer carefully before using our tools or relying on any information published on this website.
Not Financial, Tax, or Legal Advice
The information provided on PropCalc (propcalc.vip) is for general informational and educational purposes only. It does not constitute financial advice, tax advice, legal advice, or any other form of professional advice. The calculators produce estimates based on the inputs you provide and the assumptions built into each model. These estimates should not be used as the sole basis for any financial decision, property purchase, or tax filing. Always consult a qualified financial advisor, tax professional, or solicitor before making decisions that could affect your financial situation.
Accuracy and Limitations
While we strive to keep our calculators and content accurate and up to date, PropCalc makes no warranties or representations regarding the accuracy, completeness, or reliability of any information on this site. Tax rates, stamp duty thresholds, mortgage rules, and property regulations change frequently and vary by jurisdiction. Our tools use publicly available data and simplified models that may not capture every nuance of your specific situation. Results are approximations and should be verified independently with official sources or professional advisors.
No Professional Relationship
Using PropCalc does not create a professional-client relationship of any kind. We are not licensed financial advisors, tax consultants, solicitors, or estate agents. The founder of PropCalc, Luís Castanheira, is a civil engineer with a personal interest in real estate investment — not a regulated financial professional. The content reflects personal research and experience, not professional financial guidance.
Third-Party Links and Data
PropCalc may contain links to third-party websites, data sources, or services. These links are provided for convenience and informational purposes only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Tax rates and regulatory data referenced in our calculators are sourced from official government publications, but we cannot guarantee they reflect the most recent changes.
Investment Risk
Real estate investment involves significant financial risk, including the potential loss of capital. Past performance of any investment strategy (including fix-and-flip, BRRRR, buy-to-let, or leveraged property investment) does not guarantee future results. Property values can decrease as well as increase. Rental income is not guaranteed. Mortgage interest rates can rise substantially. You should never invest money you cannot afford to lose, and you should always conduct thorough due diligence before committing to any property transaction.
Country-Specific Information
PropCalc provides information adapted to multiple countries including Portugal, Spain, Germany, France, the United Kingdom, and the United States. Tax laws, property regulations, and financial rules differ significantly between jurisdictions and change over time. The information provided for each country is based on our best understanding of current regulations but may not reflect recent legislative changes. Always verify country-specific information with local authorities or qualified professionals in your jurisdiction.
Limitation of Liability
To the fullest extent permitted by applicable law, PropCalc, its founder, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this website, its calculators, or any information contained herein. This includes, without limitation, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
Changes to This Disclaimer
We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting to this page. Your continued use of PropCalc after any changes constitutes acceptance of the updated disclaimer. We encourage you to review this page periodically.
If you have questions about this disclaimer, please contact us through our contact page.