Terms of Service

Last updated: 26 October 2026. These terms explain how you may use ExpatMoneyEU.

ExpatMoneyEU is a free website operated by Amir Shahzad, Pakistan. It publishes banking, money and cost-of-living guides and calculators for expats living in Europe. By using this site, you agree to these terms. If you do not agree, please do not use the site.

Using the site

You may use the site for lawful, personal purposes. You agree not to misuse the site, not to try to break it or overload it, not to copy large parts of it automatically, and not to present its content as your own.

Content ownership and reuse

The text, tools, guides and design of this site belong to its operator, except for content that clearly belongs to someone else. You may share a short quote or a link with credit. You may not republish whole pages or tools as if they were yours. Calculator results are estimates based on the figures you enter.

Accuracy and no professional advice

Banking features, fees, exchange rates and tax rules change often and differ by country and personal situation. Guides and calculators on this site are educational estimates only, not personal financial, tax or legal advice. Please verify important details with the bank, provider or a qualified adviser before you act.

Advertising and affiliate links

This site may show advertising, including Google AdSense ads, and may include affiliate links. Advertising and affiliate relationships do not change our editorial content. Our separate Affiliate Disclosure explains how affiliate links work.

Links to other websites

Links to other websites are provided for convenience. We do not control those sites and are not responsible for their content, prices or policies. Please read their terms before using them.

Service as it is

The site is provided as it is, free of charge. We work to keep it accurate and available, but we cannot guarantee that it will always be error-free or uninterrupted. You use the information and tools on this site at your own judgement, and we are not liable for decisions you make based on estimates, guides or general information found here.

Changes to these terms

We may update these terms from time to time. The date at the top of this page shows the latest version. Continued use of the site after a change means you accept the updated terms.

Contact

Questions about these terms? Please use our Contact page.

Frequently asked questions

Is this site free to use?

Yes. ExpatMoneyEU is free to read and use. Some pages may show advertising or affiliate links, which help fund the site.

Can I reuse content from this site?

You may share a short quote or a link with credit. Please do not republish whole pages or tools as your own work.

Are the results and figures on this site guaranteed?

No. Guides and calculators are educational estimates only. Please verify important details with the bank or a qualified adviser.

Does this site give professional advice?

No. The content here is general information and education only. For advice about your own situation, speak to a qualified professional.

Who can I contact about these terms?

Please use the Contact page linked above. We read genuine messages and reply when we can.