Terms of Service

Last Updated: February 2025

Welcome to OptimiseTax.co.uk. By accessing or using this website and its tools (the “Platform”), you agree to these Terms of Service (“Terms”). If you do not agree, you must not use the Platform.

1. Acceptance of Terms

Using the Platform signifies your full acceptance of these Terms, forming a legally binding agreement between you and OptimiseTax.co.uk (“we,” “us,” “our”). We reserve the right to refuse service to anyone for any reason.

2. Nature of the Platform

The Platform provides tax calculators and informational content (e.g., Sole Trader vs. Limited Company, Income Tax, Property Tax) to estimate tax obligations and explore optimization strategies based on UK tax rules as understood on 28 February 2025.

3. Disclaimer of Responsibility for Content and Estimates

• All tools, calculators, outputs, and content are provided for informational and estimation purposes only. They are not financial, tax, or legal advice.
• Tax laws and rates change frequently. We cannot guarantee that our tools reflect the latest regulations, reliefs, or HMRC policies beyond our last update (28 February 2025). Outputs are based on assumptions and may not account for new rules, exemptions, or personal circumstances.
• We strive for accuracy but do not warrant that calculations, estimates, or information are accurate, complete, current, or error-free. Results are approximations only.
• Use at your own risk. Any reliance on the Platform’s outputs, including financial decisions, is entirely your responsibility. We are not liable for any discrepancies between estimates and actual tax liabilities.

4. No Professional Advice

The Platform does not replace professional tax advice. We are not accountants, tax advisors, or legal professionals. For personalized guidance or to ensure compliance with current HMRC rules, consult a qualified expert. You assume all risk for not doing so.

5. No Liability for Use

• Your use of the Platform and its tools is entirely at your discretion and risk.
• OptimiseTax.co.uk, its affiliates, employees, or agents shall not be liable for any damages, losses, penalties, or consequences arising from:
• Inaccurate or outdated tax calculations.
• Decisions made based on Platform outputs (e.g., tax filings, investments, business structures).
• HMRC disputes, audits, or penalties due to reliance on our estimates.
• Technical issues (e.g., bugs, outages) affecting tool performance or results.
• This disclaimer applies even if we were advised of potential damages.

6. Intellectual Property

All content, calculators, software, text, graphics, and designs on the Platform are owned by OptimiseTax.co.uk or its licensors. You may not copy, reproduce, distribute, or modify any part without prior written consent, except for personal, non-commercial use of outputs.

7. External Links and References

• The Platform may link to external resources (e.g., HMRC guidelines) for context. We are not responsible for their accuracy, availability, or content.
• Links do not imply endorsement or affiliation with those third parties.

8. Assumption of Risk

Tax calculations are estimates based on simplified models and user inputs. They may not reflect your full tax situation, future law changes, or HMRC interpretations. You accept all risks of using these tools and outputs, including financial or legal consequences.

9. User Responsibilities

You agree to:

• Use the Platform lawfully and not for fraudulent or harmful purposes.
• Verify outputs with a professional before acting on them.
• Safeguard any sensitive data you input (e.g., financial figures)—we do not store it, but you’re responsible for its security on your end.

10. Limitation of Liability

To the fullest extent permitted by law, OptimiseTax.co.uk, its affiliates, employees, or licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Use or inability to use the Platform.
• Errors, omissions, or delays in content or calculations.
• Any action taken based on Platform outputs.

Our total liability, if any, shall not exceed £0, as the Platform is provided free of charge.

11. Indemnification

You agree to indemnify, defend, and hold harmless OptimiseTax.co.uk, its affiliates, employees, and licensors from any claims, damages, losses, or legal actions arising from your use of the Platform, including but not limited to reliance on estimates or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the United Kingdom. Any disputes shall be resolved exclusively in UK courts, and you submit to their jurisdiction.

13. Changes to Terms

We may modify these Terms at any time without notice. Changes will be posted here with an updated “Last Updated” date. Continued use after modifications signifies acceptance.

14. Contact Information

For questions about these Terms, contact us at:

Email: ukoptimisetax@gmail.com