UK Freelancer Money Hub

Terms & Conditions

Last updated: 10/06/2026

These terms govern your use of UK Freelancer Money Hub (the "Site"). By accessing or using the Site, you agree to these terms. If you do not agree, please do not use the Site.

1. Use of the website and tools

The Site provides free calculators and educational content for UK freelancers, contractors and the self-employed. You may use the tools for personal or business purposes, subject to these terms and our acceptable use policy below.

2. Estimates only

All calculators provide estimates based on publicly available UK tax information (currently the 2026/27 tax year). Results are simplified and may not reflect every aspect of your personal situation, including but not limited to: dividends, student loan repayments, pension contributions, the High Income Child Benefit Charge, devolved Scottish tax bands, marriage allowance, capital gains, or VAT. Always verify your figures with HMRC or a qualified accountant before acting on them. See our full Financial Disclaimer.

3. Acceptable use

You agree not to:

  • Use the Site for any unlawful purpose or in any way that breaches UK law.
  • Attempt to gain unauthorised access to the Site, its systems or its data.
  • Introduce viruses, trojans, worms or other malicious material.
  • Scrape, copy or republish substantial parts of the Site's content without permission.
  • Use automated systems to overload, degrade or disrupt the Site.

4. Informational content

Articles, guides, FAQs and tool descriptions are for general information only. They are not financial, tax, accounting or legal advice and do not create any professional relationship between you and us.

5. Intellectual property

All content, design and source code on this Site is owned by us or our licensors and protected by UK and international copyright laws. You may view, share and link to our content for personal, non-commercial use.

6. Third-party links and ads

The Site may include links to third-party websites and display advertising via Google AdSense. We are not responsible for the content, products or services of third parties.

7. Limitation of liability

To the maximum extent permitted by law, we exclude all liability for any direct, indirect, incidental, consequential or financial loss arising from your use of, or reliance on, the Site or its tools. Nothing in these terms excludes liability that cannot be excluded under UK law.

8. Changes

We may update the Site and these terms at any time. Continued use after changes are posted means you accept the updated terms.

9. Governing law

These terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Contact

For questions about these terms, please contact us via the email address listed on our Site.