Calculator & Information Disclaimer

Last updated: 27 August 2026

1. Important information

BusinessToolHub provides free online calculators, tools and information designed to help users understand and estimate a range of business, tax, payroll, VAT, employment and other matters.

The calculators and information on this website are provided for general information and illustrative purposes only.

They are not intended to provide, and should not be relied upon as, legal, financial, tax, accounting, employment or other professional advice.

2. Calculator results are estimates

Our calculators use the information entered by you together with the assumptions, rates, thresholds and formulas built into the relevant calculator.

The results provided should therefore be treated as estimates or indicative calculations, unless we specifically state otherwise.

The accuracy of a result will depend on factors including:

• the accuracy of the information entered;
• the assumptions used by the calculator;
• the rates, thresholds and rules applicable at the time;
• changes to legislation,
• regulations or official guidance; and
  your individual circumstances.

A calculator cannot take account of every possible circumstance, exception, relief, deduction, contractual arrangement or change in the law.

3. You are responsible for checking the information you enter

You are responsible for ensuring that any information or figures entered into a calculator are accurate and appropriate.

BusinessToolHub is not responsible for incorrect results caused by inaccurate, incomplete or inappropriate information entered by a user.

Before relying on a result, you should check:

• that you have selected the correct calculator;
• that the figures entered are correct;
• that the assumptions used are appropriate to your circumstances; and
• that any relevant rates, thresholds or legislation are current.

4. Laws, rates and information can change

Tax rates, allowances, thresholds, employment rules, VAT rules, legislation and other information can change.

Although we aim to keep BusinessToolHub accurate and up to date, we do not guarantee that every calculator, rate, threshold, piece of information or other content will always be current, complete or free from errors.

Some changes may take effect before we are able to update the relevant calculator or information on the website.

You should always check important information against an appropriate official source or seek advice from a suitably qualified professional.

5. No professional advice

Nothing on BusinessToolHub constitutes:

• legal advice;
• financial advice;
• tax advice;
• accounting advice;
• employment or HR advice; or
• any other form of professional advice.

Using a calculator or reading information on this website does not create a professional or advisory relationship between you and N & M Services or BusinessToolHub.

You should not make an important financial, tax, legal, employment or business decision solely on the basis of information or results obtained from this website.

Where appropriate, you should seek advice from a suitably qualified professional who can consider your individual circumstances.

6. Use of calculator results

You use the calculators, tools and information provided by BusinessToolHub at your own discretion.

Before taking any action based on a calculator result or information provided on the website, you should independently verify the result where appropriate.

In particular, you should not rely solely on a result where:

• the calculation could affect a significant financial decision;
• your circumstances are unusual or complex;
• a small difference in the result could have a significant impact; or
• the relevant law, rules, rates or guidance may recently have changed.

7. No guarantee of accuracy or suitability

We make reasonable efforts to design and maintain our calculators and provide useful information.

However, we do not guarantee that:

• every calculator will be suitable for every user or circumstance;
• every result will be accurate in every situation;
• every calculator will account for every possible exception or variation;
• the website will always reflect the latest legislation or guidance; or
• the website and its tools will always be available without interruption.

Different calculators may use specific assumptions, and these assumptions may not apply to your individual circumstances.

Where assumptions or calculation methods are relevant, we may explain them within the calculator or supporting information.

8. Limitation of liability

To the fullest extent permitted by law, N & M Services and BusinessToolHub will not be liable for any loss or damage arising from your use of, or reliance on, the calculators, tools, information or other content provided on this website.

This includes, where permitted by law, direct or indirect financial loss, loss of profits, business interruption, loss of opportunity or other consequential loss.

Nothing in this Disclaimer is intended to exclude or limit liability where it cannot legally be excluded or limited, including liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation; or
• any other liability that cannot legally be excluded or limited under applicable law.

9. Third-party information and links

BusinessToolHub may refer to, link to or use information from third-party or official sources.

Links and references are provided for convenience and information only.

We do not control third-party websites and cannot guarantee that their information will always be accurate, current, available or suitable for your circumstances.

You should review the information and terms provided by any third party directly.

10. Advertising

BusinessToolHub may display advertising, including advertising provided by third-party advertising networks such as Google AdSense.

Advertising displayed on the website does not constitute a recommendation, endorsement or guarantee of the advertiser, its products or its services.

Any decision to purchase, use or engage with a product, service or advertiser is entirely your own responsibility.

Any dealings you have with an advertiser or third party are between you and that third party.

11. No warranty

The calculators, tools, information and other content on BusinessToolHub are provided on an “as is” and “as available” basis.

While we make reasonable efforts to maintain the website, we do not guarantee that it will always be:

• uninterrupted;
• secure;
• error-free;
• free from technical problems; or
• available at all times.

12. Your statutory rights

Nothing in this Disclaimer is intended to remove or restrict any rights you may have under applicable law.

13. Changes to this Disclaimer

We may update this Disclaimer from time to time to reflect:

• changes to the calculators and tools available;
• changes to the information provided;
• changes in legislation or regulations; or
• changes to how BusinessToolHub operates.

The latest version will always be available on this page, together with the date it was last updated.

14. Contact us

If you have any questions about this Disclaimer, please contact us using the BusinessToolHub Contact Page.