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 and should not be construed as such.
• 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. Tax legislation, HMRC guidance, and case law are subject to constant change, and we make no representation that any information is current or will remain current.
• We strive for accuracy but do not warrant that calculations, estimates, or information are accurate, complete, current, or error-free. Results are approximations only and may contain errors, omissions, or inaccuracies. All calculations are based on simplified models and may not reflect your complete tax situation, specific circumstances, or HMRC's interpretation of tax law.
• 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, penalties, interest, or any other consequences.
• No Guarantee of Results: We make no guarantee that following any suggestions, calculations, or advice on this Platform will result in tax savings, compliance with tax law, or any particular outcome. Individual circumstances vary significantly, and what works for one person may not work for another.
• HMRC Compliance: We do not guarantee that any tax strategies, calculations, or advice will be accepted by HMRC or will withstand HMRC scrutiny. You are solely responsible for ensuring compliance with all applicable tax laws and regulations.

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 owners, operators, affiliates, employees, agents, contractors, or any person or entity associated with the Platform (collectively, "we," "us," "our") shall not be liable for any damages, losses, penalties, interest, fines, legal costs, professional fees, or consequences of any kind (whether direct, indirect, incidental, special, consequential, punitive, or otherwise) arising from:
• Inaccurate, incorrect, outdated, incomplete, or erroneous tax calculations, estimates, or information.
• Decisions made based on Platform outputs (e.g., tax filings, investments, business structures, financial planning).
• HMRC disputes, audits, investigations, penalties, interest charges, or any other tax authority actions due to reliance on our estimates, calculations, or content.
• Technical issues (e.g., bugs, errors, outages, data loss, security breaches) affecting tool performance or results.
• Changes in tax law, HMRC guidance, or regulations that occur after our last update.
• Misinterpretation or misunderstanding of any information, calculations, or advice provided on the Platform.
• Failure to seek professional tax, legal, or financial advice.
• Any tax planning strategies that are later found to be non-compliant, disallowed, or ineffective.
• Loss of profits, revenue, business opportunities, or any other economic loss.
• This disclaimer applies to the fullest extent permitted by law, even if we were advised of potential damages, and regardless of the legal theory under which liability is asserted (contract, tort, negligence, strict liability, or otherwise).
• No Professional Relationship: Use of this Platform does not create any professional relationship, fiduciary duty, or duty of care between you and us. We are not acting as your tax advisor, accountant, lawyer, or financial advisor.

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 applicable law, OptimiseTax.co.uk, its owners, operators, affiliates, employees, agents, contractors, licensors, or any person or entity associated with the Platform (collectively, "we," "us," "our") shall not be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or other damages of any kind, including but not limited to:

• Use or inability to use the Platform.
• Errors, omissions, inaccuracies, or delays in content, calculations, or information.
• Any action taken or decision made based on Platform outputs, calculations, estimates, or content.
• Loss of profits, revenue, data, business opportunities, or goodwill.
• Tax penalties, interest, fines, or other charges imposed by HMRC or any tax authority.
• Legal costs, professional fees, or expenses incurred as a result of using the Platform.
• Any other loss or damage of any nature whatsoever.

Our total liability, if any, shall not exceed £0 (zero pounds), as the Platform is provided free of charge and on an "as is" basis without any warranties or guarantees of any kind.

This limitation of liability applies regardless of the legal theory under which liability is asserted (whether in contract, tort, negligence, strict liability, breach of warranty, or otherwise) and even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless OptimiseTax.co.uk, its owners, operators, affiliates, employees, agents, contractors, licensors, and all other persons or entities associated with the Platform (collectively, "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, damages, losses, liabilities, costs, expenses (including reasonable legal fees and expenses), penalties, fines, interest, or other consequences of any kind, whether known or unknown, arising from or relating to:

• Your use of the Platform, including any tools, calculators, or content.
• Your reliance on any estimates, calculations, information, or advice provided on the Platform.
• Any decisions, actions, or omissions made based on Platform outputs.
• Your violation of these Terms or any applicable law or regulation.
• Any tax filings, returns, or submissions made based on information from the Platform.
• Any disputes, audits, or investigations by HMRC or any tax authority related to your use of the Platform.
• Any third-party claims arising from your use of the Platform.

This indemnification obligation will survive termination of your use of the Platform and 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