Website Terms & Conditions
Last updated: 27 August 2026
1. About these Terms
These Terms & Conditions govern your use of BusinessToolHub, including the calculators, tools, information and other content available on this website.
By accessing or using BusinessToolHub, you agree to use the website in accordance with these Terms.
If you do not agree with these Terms, please do not use the website.
2. Who operates BusinessToolHub?
BusinessToolHub is owned and operated by N & M Services, a partnership.
References to “we”, “us” and “our” in these Terms mean N & M Services.
References to “you” and “your” mean anyone accessing or using BusinessToolHub.
3. About BusinessToolHub
BusinessToolHub provides free online calculators, tools and information relating to business, tax, payroll, VAT, employment and other related subjects.
The website is intended to provide useful information and calculation tools for general use.
The content and tools available on BusinessToolHub may be updated, changed, added to or removed from time to time.
Some features may also be unavailable temporarily due to maintenance, technical issues or circumstances outside our reasonable control.
4. Using our calculators and tools
You may use the calculators and tools available on BusinessToolHub for your personal or business use.
You must not:
- use the website for any unlawful purpose;
- interfere with or attempt to disrupt the operation or security of the website;
- attempt to gain unauthorised access to the website, its systems or data;
- introduce viruses, malware or other harmful material;
- use automated systems, bots or similar technology in a way that places an unreasonable burden on the website; or
- use the website in a way that could damage, disable or interfere with its normal operation.
5. Accuracy of information and calculations
We take reasonable care when creating and maintaining the calculators, tools and information available on BusinessToolHub.
However, laws, tax rates, thresholds, regulations and other relevant information can change. Errors may also occur.
You are responsible for checking that the information and figures you enter into a calculator are correct.
You should also check that the calculator, assumptions, rates and information are appropriate for your particular circumstances.
The results produced by our calculators should be treated as estimates or general information unless explicitly stated otherwise.
BusinessToolHub does not provide legal, financial, tax, accounting, employment or other professional advice.
For important decisions, you should consider obtaining advice from an appropriately qualified professional.
Further information about the use of our calculators is set out in our Calculator & Information Disclaimer.
6. No guarantee of availability
We aim to keep BusinessToolHub available and working properly.
However, we cannot guarantee that the website or any particular calculator, tool or feature will always be available, uninterrupted or error-free.
We may suspend, withdraw, update or change any part of the website where reasonably necessary, including for maintenance, security, technical or operational reasons.
7. Intellectual property
Unless otherwise stated, the content, design, branding, text, graphics, calculators, tools and other materials on BusinessToolHub are owned by or licensed to N & M Services.
You may view and use the website and its tools for your own personal or internal business purposes.
You must not, without our prior permission:
- copy or reproduce substantial parts of the website;
- sell, licence or commercially exploit our calculators or content;
- remove copyright, branding or ownership notices;
- present our content or tools as your own; or
- create a competing copy of a BusinessToolHub calculator or tool by copying its content, design or functionality.
Nothing in these Terms prevents you from sharing a link to BusinessToolHub or referring other people to the website.
8. Links to other websites
BusinessToolHub may contain links to third-party websites, services or resources.
These links are provided for convenience and information only.
We do not control third-party websites and are not responsible for their content, availability, security, privacy practices or services.
Your use of any third-party website is subject to that website's own terms and policies.
9. Advertising and third-party content
BusinessToolHub may display advertising and other third-party content, including advertising provided through services such as Google AdSense.
The presence of an advertisement or third-party link does not mean that we endorse, recommend or guarantee the advertiser, its products or its services.
Any dealings you have with an advertiser or third party are between you and that third party.
10. Your responsibility when using the website
You are responsible for how you use the information and results provided by BusinessToolHub.
Before making a financial, tax, employment, legal or other important decision, you should consider whether the information provided by the website is suitable for your circumstances.
You should not rely solely on a calculator result where an error, change in legislation or difference in your individual circumstances could materially affect the outcome.
11. Our responsibility to you
Nothing in these Terms is intended to exclude or limit any liability that cannot legally be excluded or limited.
We do not exclude liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation.
Subject to the above, and recognising that BusinessToolHub is provided free of charge, we are not responsible for losses that are not reasonably foreseeable or that arise because information or calculator results have been relied upon without appropriate consideration of your individual circumstances.
Nothing in these Terms is intended to remove or restrict any rights you may have under applicable law.
12. Privacy and cookies
Our use of personal information is explained in our Privacy Policy.
Our use of cookies and similar technologies is explained in our Cookie Policy.
By using BusinessToolHub, you can manage your non-essential cookie preferences through the cookie settings available on the website.
13. Changes to these Terms
We may update these Terms from time to time to reflect changes to:
the website and its services;
the calculators and tools we provide;
applicable laws or regulations; or
how BusinessToolHub operates.
The latest version will always be published on this page, together with the date it was last updated.
Your continued use of BusinessToolHub after updated Terms have been published will be subject to the updated Terms.
14. If part of these Terms cannot be enforced
If any part of these Terms is found to be invalid or unenforceable, the remaining sections will continue to apply.
15. Governing law
These Terms are governed by the laws of England and Wales.
If a dispute arises in connection with these Terms or your use of BusinessToolHub, the courts of England and Wales will generally have jurisdiction, subject to any mandatory rights you may have under applicable law.
16. Contact us
If you have any questions about these Terms & Conditions, please contact us using the BusinessToolHub Contact Page.