Terms of Service & Disclaimer
Effective Date: January 1, 2026 • Last updated: September 18, 2026
All calculations, projections, tax rates, and results provided on ZeniMoney are strictly for educational and illustrative purposes only. ZeniMoney and ZenimizeLabs do not provide licensed financial advice, tax advisory services, accounting counsel, or legal recommendations. UK tax legislation is subject to statutory budget alterations and individual circumstances. You should consult a certified financial planner or qualified tax professional (such as an ICAEW, ACCA, or CIOT member) prior to making significant financial commitments.
1. Acceptance of Terms
By accessing or using ZeniMoney (including any widgets, calculators, and programmatic pages), you agree to be bound by these Terms of Service. If you do not agree to these terms, please discontinue use of the website immediately.
2. Accuracy of Calculations & Model Assumptions
We strive to maintain accurate mathematical models derived directly from official government figures, including:
- HM Revenue & Customs (HMRC) Income Tax bands and National Insurance thresholds.
- Scottish Government income tax rate schedules.
- Student Loans Company (SLC) statutory repayment thresholds and interest rules.
However, real-world payroll computations may differ due to rounding methodologies (e.g. cumulative vs non-cumulative tax codes), specific employer pension scheme rules, salary sacrifice timing, company benefit-in-kind (BIK) declarations, and mid-year tax code changes.
3. Permitted Use & Embeddable Widgets
You are welcome to use ZeniMoney for personal financial planning and educational reference. If you choose to embed our calculator widget using the provided iframe snippet:
- You must preserve the reciprocal attribution link to ZeniMoney as included in the embed snippet.
- You may not alter, obscure, or frame the widget in a deceptive manner.
- You may not use our calculators in any commercial paid service or automated web scraping without written consent.
4. Intellectual Property Rights
The software, visual styling, mathematical algorithms, layout design, branding, and original explanatory editorial copy are the intellectual property of ZenimizeLabs. All rights are reserved under UK and international copyright legislation.
5. Limitation of Liability
To the maximum extent permitted by applicable law, ZeniMoney and its creators shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, our calculations, whether based on contract, tort, or other legal theories.
6. Governing Law & Jurisdiction
These Terms of Service are governed by and construed in accordance with the laws of England and Wales. Any legal dispute arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the English courts.
7. Revisions and Updates
We may revise these Terms of Service periodically to reflect changes in UK legislation, our tool features, or regulatory standards. The current revision date at the top of this page denotes the latest version.