Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of PayClear UK, operated at payclear.co.uk ("the Site", "we", "us"). By accessing the Site you confirm that you accept these Terms and agree to comply with them.

These Terms apply to all visitors, users and others who access the Site.

2. About the Service

PayClear UK provides free online calculators for estimating UK salary take-home pay, tax deductions, pension contributions, stamp duty, student loan repayments and related personal finance matters.

The Site is provided for general informational and educational purposes only. It does not constitute financial, tax or legal advice, and should not be relied upon as such. See also our Disclaimer.

3. Accuracy of Calculations

While we make every reasonable effort to ensure our calculations are accurate and up to date with current HMRC published rates, we cannot guarantee that all results are completely accurate, complete or current at all times.

Tax legislation changes frequently. Results are estimates only and your actual PAYE deductions may differ depending on your specific tax code, employer payroll practices, benefits-in-kind, multiple employments, HMRC adjustments or personal circumstances.

Always verify important financial decisions with HMRC directly or a qualified accountant. We accept no responsibility for decisions made based on information from this Site.

4. Permitted Use

You may use PayClear UK for:

• Personal, non-commercial salary and tax estimation
• Educational purposes and general financial planning
• Comparing employment types and salary scenarios

5. Prohibited Use

You must not use the Site:

• In any way that violates applicable local, national or international law or regulation
• To transmit any unsolicited or unauthorised advertising or promotional material
• To attempt to gain unauthorised access to any part of the Site or its related systems
• To copy, scrape or systematically extract data from the Site for commercial purposes without our written permission
• To use automated tools (bots, crawlers, scrapers) to access the Site in a way that places excessive load on our servers
• To reproduce, distribute or commercially exploit our calculators or content without express permission

6. Intellectual Property

All content on this Site, including but not limited to text, calculations, design, code, logos, graphics and data visualisations, is owned by PayClear UK or its content suppliers and is protected by UK and international copyright laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display or exploit any content from this Site for commercial purposes without our prior written consent.

Personal, non-commercial sharing (for example, linking to the Site or sharing a screenshot for personal use) is permitted.

7. Limitation of Liability

To the fullest extent permitted by applicable law:

• The Site is provided "as is" and "as available" without any warranties, express or implied.
• We do not warrant that the Site will be uninterrupted, error-free or free of viruses.
• We shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.
• We shall not be liable for any loss arising from reliance on the accuracy of salary or tax calculations displayed on this Site.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by English law.

8. External Links

The Site may contain links to third-party websites. These are provided for convenience only. We do not endorse, control or accept responsibility for the content of those sites. Accessing third-party sites is at your own risk.

9. Changes to Terms

We may revise these Terms at any time. The most current version will always be posted on this page with an updated "last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

10. Governing Law

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

If you have any questions about these Terms, please contact us.