No Professional Advice

EFFECTIVE 3 AUGUST 2026

TrueTotal is an information service. It helps you see what something really costs — it does not tell you what you should do. This page draws that line clearly, because the difference matters both legally and practically.

⚠ NOT LEGAL ADVICE

This document was drafted in-house to state TrueTotal’s actual practices plainly. It is not legal advice and has not been reviewed by qualified counsel. Before TrueTotal takes commission or trades, a solicitor qualified in Ireland should review and adapt it.

THE DISCLAIMER, PLAINLY

All content on TrueTotal is general information only. It is not financial, investment, tax, legal, accounting, insurance, mortgage, medical or other professional advice. No advisory, fiduciary or client relationship is created by your use of this service. Where a decision matters, consult a qualified professional who knows your circumstances.

What this means in each area

Financial & investment. Nothing here is a recommendation to buy, sell or hold anything as an investment. Treating a car, a watch or a property as an appreciating asset is an investment decision — take advice from someone regulated to give it.

Tax. We reference tax rates and duties because they are part of a true cost. We do not know your tax position, residency, reliefs or obligations. Tax treatment changes and depends on individual circumstances.

Legal. References to consumer rights and statutory protections are general summaries, not advice on your situation, and not a substitute for a solicitor.

Insurance. Insurance figures are market-typical illustrations. Premiums are individually underwritten on factors we do not have. Only a quote from an insurer is real.

Accounting. Nothing here is guidance on how to record, depreciate or treat a purchase in accounts.

Mortgage & credit. Finance and lease figures are illustrative. Affordability, eligibility and the actual rate offered to you are matters for a regulated adviser or lender.

Safety, medical & environmental. Impact and safety scores are compiled from published sources for comparison. They are not a professional assessment of risk to you.

Why we are so firm about this

A true total is computed for a representative case — a typical buyer, a stated region, ordinary usage. It is designed to make the shape of a cost visible and to compare options on a fair basis. It cannot know your tax residency, your credit profile, your no-claims history, how far you drive, or what you already own.

That gap is not a flaw we intend to close by pretending otherwise. A site that dressed a general estimate up as personal advice would be more comfortable to read and considerably less honest.

How to use TrueTotal well

As a starting point. Use the true total to see which costs exist and roughly how big they are — the ones sellers tend not to mention.
As a set of questions. Take our cost lines to the seller and ask what each will actually be for you.
As a comparison, not a quote. The relative ordering is usually more robust than any single absolute figure.
Then verify. Confirm the real numbers before committing — see Pricing & Accuracy.

The assistant

Our conversational assistant answers only from TrueTotal’s own sourced figures and declines to guess when it does not have data. That constraint makes it more trustworthy — it does not make it an adviser. Everything on this page applies to it equally. See AI Transparency.

Regulatory status

TrueTotal is not authorised or regulated as a financial adviser, insurance intermediary, credit broker or tax agent in any jurisdiction, and does not carry on any regulated activity. We publish comparative cost information and earn affiliate commission on some outbound links, disclosed on the Affiliate Disclosure page.

Liability

To the fullest extent permitted by law, and subject to your non-excludable consumer rights, we accept no liability for decisions taken in reliance on our content. See Limitation of Liability and the Terms of Use.

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