Terms & Conditions

1. Acceptance of Terms

By accessing and using MyPaySight ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

MyPaySight is a free online calculator that provides estimates of UK take-home pay based on current and historical tax rates. The Service calculates:

• Income Tax (England/Wales/NI and Scotland)
• National Insurance contributions
• Student Loan repayments
• Pension contributions
• Net take-home pay

The Service supports calculations for tax years 2021/22 through 2025/26, including support for bonuses, multiple jobs, self-employed scenarios, and salary sacrifice arrangements.

3. Important Disclaimer

You must:

• Consult HMRC or a qualified tax advisor for official tax calculations and advice
• Verify all calculations independently before making financial decisions
• Understand that tax rates and thresholds may change after the annual Budget
• Recognize that individual circumstances (e.g., tax code, allowances, deductions) may affect actual take-home pay

4. Accuracy of Calculations

While we strive to ensure accuracy, MyPaySight:

• Uses tax rates and thresholds based on publicly available HMRC information
• May not account for all individual tax circumstances or special cases
• Does not replace official HMRC calculations or professional tax advice
• May contain errors or omissions despite our best efforts

Tax rates are updated annually after the UK Budget announcement. Historical tax rates are provided for reference and comparison purposes.

5. User Responsibilities

You agree to:

• Use the Service only for lawful purposes
• Provide accurate information when using the calculator
• Not rely solely on these estimates for financial planning or tax filing
• Verify calculations with HMRC or a qualified professional
• Not use the Service to attempt to evade taxes or engage in fraudulent activity
• Respect intellectual property rights

6. Limitation of Liability

To the fullest extent permitted by law:

• MyPaySight is provided "as is" without warranties of any kind, express or implied
• We do not guarantee the accuracy, completeness, or timeliness of calculations
• We are not liable for any financial losses, damages, or consequences arising from use of the Service
• We are not responsible for decisions made based on calculator results
• We do not provide tax, financial, or legal advice

You use MyPaySight at your own risk. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

7. Intellectual Property

The Service, including its design, functionality, and content, is owned by MyPaySight and protected by copyright and other intellectual property laws. You may not:

• Copy, modify, or distribute the Service without permission
• Reverse engineer or attempt to extract source code
• Use the Service for commercial purposes without authorization
• Remove copyright or proprietary notices

8. Third-Party Services

MyPaySight uses third-party services including:

• Google AdSense for advertising
• Google Analytics for usage statistics (if enabled)
• Vercel for hosting
• External CDNs for libraries and fonts

These services have their own terms and conditions. We are not responsible for their content, privacy practices, or availability.

9. Modifications to Service

We reserve the right to:

• Modify or discontinue the Service at any time
• Update tax rates and calculations
• Change features or functionality
• Update these Terms & Conditions

Continued use of the Service after changes constitutes acceptance of the modified terms.

10. Governing Law

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

11. Contact Information

If you have questions about these Terms & Conditions, please contact us:

Email: legal@mypaysight.com

Website: https://mypaysight.com

12. Acknowledgment

By using MyPaySight, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of the Service immediately.