Terms and Conditions

Last Updated: April 2026

1. Acceptance of Terms

By accessing and using ctcratio.co.uk (“The CtC Ratio”, “we”, “our”, or “us”), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this website.

2. Not Financial or Property Advice (NFA)

The CtC Ratio is a data visualization tool created for informational and entertainment purposes only. The metrics, classifications (e.g., “Breakout,” “Emerging”), and data presented on this site do not constitute financial, investment, legal, or property advice. You should always conduct your own due diligence and consult with an independent, strictly authorized financial advisor or real estate professional before making any property decisions.

3. Accuracy of Data

While we strive to provide interesting and relevant spatial data, the information on this website is provided “as is.” We make no warranties, representations, or guarantees—express or implied—that the data, map markers, or calculated ratios are accurate, complete, or up to date. High street landscapes change rapidly, and our datasets may contain errors or omissions.

4. Affiliate Links and Advertising

In accordance with the UK Advertising Standards Authority (ASA), we disclose that our site may contain affiliate links (including, but not limited to, mortgage brokerages like Habito) and sponsored local data. If you click on an affiliate link and make a purchase or application, we may earn a commission at no additional cost to you. The inclusion of these links does not imply an endorsement of the services provided.

5. Intellectual Property

The “CtC Ratio” methodology, branding, design, and original site content are the intellectual property of ctcratio.co.uk. You may not scrape, reproduce, or commercially exploit our map data or algorithms without explicit written permission.

6. Limitation of Liability

To the maximum extent permitted by English law, The CtC Ratio and its creators shall not be liable for any direct, indirect, incidental, consequential, or financial losses (including loss of capital or property value) arising from your use of, or reliance on, this website.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.