Terms of use

1. Acceptable Use and Restrictions

The content provided on this site is intended for general informational purposes to assist UK small-business owners in navigating their first hires. You are permitted to read, print, and utilise this content for the internal operations of your own business. You are strictly prohibited from republishing, reselling, syndicating, or presenting this content as your own intellectual property without our express, prior written permission.

You must not deploy the site's tools or templates in any manner that misrepresents them as formal legal, tax, or HR advice to any third party. Furthermore, you agree not to use the site for any unlawful purpose or in any way intended to cause harm, disruption, or detriment to others.

2. Status of Tool Outputs

This tool organises your own inputs against published rates and clearly stated assumptions. It does not know your business, and it never tells you what to do.

The accuracy of every calculation is fundamentally dependent upon the integrity of the inputs you provide, as well as the stated assumptions and statutory figures published alongside the tool. You must independently verify any output intended to inform a material business decision against current GOV.UK, HMRC, or Acas guidance before relying upon it.

3. Disclaimer of Advice and Limitation of Liability

Nothing published on this site constitutes professional advice. We accept absolutely no liability for any business, financial, or legal decisions taken solely on the basis of the information provided herein. You are strongly advised to seek qualified professional counsel where a decision carries legal, tax, employment, or regulated financial consequences.

While we make rigorous, reasonable efforts to maintain the accuracy and currency of our content, we do not warrant or guarantee that every figure is perfectly up to date at all times. Please review our Fact-Checking Policy for a detailed explanation of how we mitigate this risk.

4. Third-Party Links and Commercial Relationships

Affiliate and partner disclosure: this site earns money from a small number of authorised partner campaigns, currently Tide and Capital on Tap. Partner links are tracked. We do not accept payment for a positive verdict, and we publish who should not use a product as prominently as who should.

Hyperlinks to third-party websites, including our commercial partners Tide and Capital on Tap, are provided solely for your convenience. We exercise no control over these external sites and bear no responsibility for their content, availability, or terms of service. You must read and accept the partner's own terms and conditions before applying for any product or service.

5. Intellectual Property Rights

All original content, tool architectures, UI designs, and template documents remain the exclusive intellectual property of the site owner unless explicitly stated otherwise. While you are encouraged to use and adapt the downloadable templates for your own internal business needs, you may not resell, sub-license, or redistribute them as standalone commercial products.

6. Jurisdiction and Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any dispute arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.