Premium Bonds Calculator

Terms of Service

Last Updated: October 28, 2025

1. Acceptance of Terms

By accessing and using Premium Bonds Calculator (the "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Premium Bonds Calculator provides:

  • Statistical analysis of Premium Bonds returns
  • Expected value calculations based on current NS&I prize fund rates
  • Historical data and trends
  • Educational information about Premium Bonds

3. Not Financial Advice

Important Disclaimer
This Service is provided for informational and educational purposes only.

The calculations, statistics, and information provided do NOT constitute financial advice, investment advice, or recommendations. You should:
  • Consult with a qualified financial advisor before making investment decisions
  • Conduct your own research and due diligence
  • Consider your individual financial circumstances
  • Understand that past performance does not guarantee future results

4. Accuracy of Information

We strive to maintain accurate and up-to-date information. However:

  • Prize rates and odds are subject to change by NS&I
  • Historical data may contain inaccuracies
  • Calculations are based on mathematical models and assumptions
  • Actual results will vary due to the random nature of prize draws

We make no warranties regarding the accuracy, completeness, or reliability of any information provided through the Service.

5. Limitation of Liability

To the fullest extent permitted by law:

  • The Service is provided "as is" without warranties of any kind
  • We are not liable for any direct, indirect, incidental, or consequential damages
  • We are not responsible for any investment decisions made based on information from the Service
  • We do not guarantee the Service will be uninterrupted or error-free

6. Intellectual Property

All content, design, code, and calculations on this website are:

  • Protected by copyright and intellectual property laws
  • Owned by the website operator or licensed appropriately
  • May not be reproduced without permission

Users may use the Service for personal, non-commercial purposes only.

7. Third-Party Links and Data

The Service may contain links to third-party websites, including:

  • NS&I official website
  • Government resources
  • Support platforms

We are not responsible for the content, privacy practices, or terms of service of third-party websites.

8. Data Sources

Our calculations are based on publicly available data from:

  • NS&I official prize draw results
  • NS&I historical interest rate data
  • Publicly published odds and prize fund rates

9. User Conduct

You agree not to:

  • Use the Service for any illegal or unauthorized purpose
  • Attempt to interfere with the Service's operation
  • Reverse engineer or copy the Service's functionality
  • Use automated systems to access the Service excessively
  • Misrepresent the Service or its calculations

10. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use information.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of the Service constitutes acceptance of the modified terms.

12. Termination

We reserve the right to terminate or suspend access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.

14. About Premium Bonds

Premium Bonds are a savings product issued by NS&I (National Savings and Investments), which is backed by HM Treasury. Key facts:

  • Each £1 bond is entered into a monthly prize draw
  • Prizes range from £25 to £1 million
  • All prizes are tax-free
  • Minimum investment: £25
  • Maximum holding: £50,000
  • Bonds can be cashed in at any time at face value
  • No interest is paid; returns come from prize draws

15. Disclaimer of Affiliation

This Service is NOT affiliated with, endorsed by, or connected to NS&I (National Savings and Investments) or HM Treasury. We are an independent calculator providing statistical analysis based on publicly available data.

16. Contact Information

If you have questions about these Terms of Service, please contact us at: hello@premiumbondsprizes.com

Summary
This is an informational tool only, not financial advice. Use the Service at your own risk. We make no guarantees about accuracy or results. Premium Bonds are issued by NS&I, and we are not affiliated with them.