Last updated: 24 March 2026

Disclaimer

This Disclaimer governs your use of the TaxWhizz.ai platform, website, and related services (the "Platform") operated by TaxWhizz.ai Ltd ("TaxWhizz.ai", "we", "us", or "our"), a company registered in England & Wales. Please read this Disclaimer carefully before using the Platform.

1. General Disclaimer

The information, tools, calculations, and content provided on the Platform are made available on an "as is" and "as available" basis for general informational purposes only. While we make every effort to ensure the accuracy and reliability of the Platform, TaxWhizz.ai makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Platform or the information, tools, calculations, or related content contained therein.

Any reliance you place on information or calculations provided by the Platform is strictly at your own risk. We strongly recommend that you independently verify all information and calculations before making any financial, tax, or business decisions.

To the fullest extent permitted by applicable law, TaxWhizz.ai excludes all representations, warranties, and conditions relating to the Platform and its use, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

2. Financial & Tax Disclaimer

In particular, you acknowledge and agree that:

• Tax calculations are estimates: Our calculations are based on the information you provide and the HMRC rates and thresholds in effect at the time of calculation. Tax law is complex, and individual circumstances can vary significantly. Calculations should be treated as estimates, not as definitive tax liabilities or entitlements.
• Input accuracy: The accuracy of any calculation is entirely dependent on the accuracy and completeness of the data you provide. Incorrect, incomplete, or outdated input data will produce incorrect results. You are responsible for verifying all input data.
• Legislative changes: UK tax law is subject to frequent change through Finance Acts, statutory instruments, HMRC guidance updates, and case law. While we endeavour to update our systems promptly, there may be a delay between legislative changes and their implementation on the Platform.
• Complex situations: Our Platform may not account for every relief, exemption, anti-avoidance provision, or individual circumstance that could affect your tax position. Situations involving cross-border taxation, trust arrangements, non-domicile status, partnership structures, group relief, or other complex matters require professional advice.
• HMRC interpretation: HMRC may interpret tax legislation differently from the position presented by our Platform. HMRC's interpretation may prevail in the event of a dispute, and TaxWhizz.ai accepts no liability for any difference between our calculations and HMRC's assessment.
• No guarantee of outcomes: We do not guarantee that using our Platform will result in any particular tax outcome, saving, or benefit. Tax planning scenarios and optimisation suggestions are illustrative only.

3. AI-Generated Content

Our Platform includes an AI-powered tax assistant and document analysis features powered by advanced large language models (including Anthropic's Claude). You acknowledge and agree that:

• General information only: Our AI assistant provides general information based on UK tax legislation but may not account for every individual circumstance. AI responses should be treated as starting points for your own research, not as definitive professional opinions.
• Potential for errors: AI models can produce incorrect, incomplete, or outdated information. While we implement quality controls and reference current legislation, AI-generated content may contain inaccuracies, omissions, or hallucinations.
• Not a substitute for professional advice: AI-generated responses are not a substitute for advice from a qualified chartered accountant (ICAEW, ACCA), chartered tax adviser (CTA), solicitor, or other regulated professional.
• Context limitations: The AI assistant operates with the context you provide during your interaction. It may not have visibility of your complete financial picture, historical tax positions, or all relevant circumstances.
• No personalised advice: AI responses are generated algorithmically and do not constitute personalised financial, tax, or legal advice tailored to your specific situation.
• Evolving technology: AI technology is rapidly evolving. While we continuously improve our AI capabilities, we make no warranty regarding the completeness or accuracy of AI-generated content.

4. Accuracy of Calculations

Our Platform uses 2025/26 HMRC rates and thresholds for tax calculations, including but not limited to:

• Income tax bands and rates (basic, higher, additional)
• Personal allowance and taper thresholds
• National Insurance contribution rates and thresholds
• Capital gains tax rates, annual exempt amounts, and reliefs
• Corporation tax rates and marginal relief
• VAT rates and thresholds
• Dividend allowance and tax rates
• Pension annual allowance and lifetime allowance
• Stamp duty land tax bands
• Student loan and postgraduate loan repayment thresholds
• High income child benefit charge thresholds

While we strive for the highest possible accuracy:

• Tax law is complex and subject to change. New Finance Acts, statutory instruments, HMRC guidance, and court decisions can alter the tax position at any time. We cannot guarantee that all changes are reflected immediately.
• Edge cases exist. Our algorithms cover the most common tax scenarios. Unusual or complex situations (such as offshore trusts, non-domicile taxation, Enterprise Investment Scheme interactions, or multiple employment scenarios) may not be fully modelled.
• Rounding and methodology. Minor differences may exist between our calculations and HMRC's own computation systems due to differences in rounding methodology, ordering of calculations, or interpretation of legislative provisions.
• Historical rates. Where calculations involve historical tax years, we use the rates and thresholds in effect for those years. However, retrospective legislative changes may not be fully reflected.

You should always review and verify calculations before relying on them for any purpose, including Self Assessment returns, corporation tax computations, or financial planning decisions.

5. HMRC Submissions

Where the Platform provides functionality to prepare and submit tax returns to HMRC (including Self Assessment SA100, Corporation Tax CT600, VAT returns, and Income Tax Self Assessment), you acknowledge and agree that:

• Your responsibility: You are solely and entirely responsible for reviewing all submissions before filing. It is your legal obligation to ensure that all information submitted to HMRC is accurate, complete, and truthful. Submitting incorrect information to HMRC may result in penalties, interest charges, and potential criminal prosecution.
• Verification required: You must carefully review every figure, entry, and calculation in any prepared return before authorising submission. The Platform provides tools to assist you, but the final responsibility for the accuracy of your tax return rests with you.
• No guarantee of acceptance: We do not guarantee that HMRC will accept any submission prepared using the Platform, or that it will not be subject to enquiry, amendment, or correction by HMRC.
• Filing deadlines: You are responsible for ensuring that submissions are filed within the applicable HMRC deadlines. While our Tax Calendar feature provides deadline reminders, we accept no liability for late submissions.
• Technical failures: Submissions may fail due to technical issues with HMRC's systems, internet connectivity, or our Platform. You should always verify that a submission has been successfully received by HMRC and retain the confirmation reference number.
• Penalties and interest: TaxWhizz.ai accepts no liability for any penalties, interest, surcharges, or other charges imposed by HMRC as a result of errors in, or late filing of, any tax return prepared or submitted using the Platform.

6. Document Analysis

Our Platform provides AI-powered document analysis capabilities for tax documents, financial statements, HMRC correspondence, and other uploaded files. You acknowledge and agree that:

• Assistive technology: AI-powered document analysis is assistive and should be verified. It is designed to help you understand and extract information from documents, not to replace your own review or professional interpretation.
• Extraction accuracy: While our AI systems are designed to accurately extract and interpret information from documents, they may misread, misinterpret, or omit information, particularly from handwritten text, poor quality scans, unusual formats, or complex multi-page documents.
• Document interpretation: The AI's interpretation of document content (such as HMRC letters, tax calculations, or financial statements) is provided for informational purposes only and should not be relied upon without independent verification.
• Confidential information: You are responsible for ensuring that you have the right to upload any document to the Platform and that doing so does not breach any confidentiality obligation or data protection requirement.

7. No Professional Relationship

Use of TaxWhizz.ai does not create an accountant-client, tax advisor-client, solicitor-client, or any other professional advisory relationship between you and TaxWhizz.ai Ltd, its directors, employees, or affiliates.

Specifically:

• We do not act as your accountant, tax advisor, financial advisor, or legal advisor
• We do not owe you a professional duty of care beyond our obligations under these Terms and applicable consumer protection law
• We are not responsible for monitoring changes in your tax position or alerting you to obligations (beyond the general information provided by our Tax Radar and Tax Calendar features)
• We do not represent you before HMRC or any other tax authority
• We do not provide opinions on the application of tax law to your specific circumstances
• No information provided by the Platform should be construed as creating an implied professional retainer or engagement

If you require professional advice, we strongly recommend engaging a qualified chartered accountant, chartered tax adviser, or other regulated professional. See Section 10 below for further guidance.

8. Third-Party Links & Content

The Platform may contain links to third-party websites, resources, and content, including but not limited to:

• HMRC guidance pages and manuals
• UK Government legislation on legislation.gov.uk
• Professional body websites (ICAEW, ACCA, CIOT)
• Third-party service providers (Stripe, Google, Anthropic)
• News articles and tax commentary

These links are provided for your convenience and information only. We do not endorse, control, or accept responsibility for the content, accuracy, or availability of any third-party website or resource. Your use of third-party websites is subject to their own terms and conditions.

References to HMRC rates, thresholds, and guidance are based on publicly available information. HMRC may update or change this information at any time without notice to us.

9. Limitation of Liability

To the fullest extent permitted by applicable law:

• TaxWhizz.ai, its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the Platform.
• Without limiting the foregoing, we shall not be liable for any loss of profits, revenue, business, savings, data, goodwill, or reputation, or for any tax penalties, interest charges, surcharges, or HMRC enquiry costs.
• Our total aggregate liability shall not exceed the greater of the fees paid by you in the 12 months preceding the event giving rise to the claim, or £100.

Nothing in this Disclaimer shall exclude or limit our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded or limited under applicable law, including under the Consumer Rights Act 2015

This limitation of liability applies to all causes of action, whether arising in contract, tort (including negligence), strict liability, or any other legal theory.

10. Professional Advice Recommendation

We strongly recommend that you seek independent professional advice in the following circumstances:

• Complex tax affairs: Multiple income sources, overseas income, non-domicile status, trust structures, partnership arrangements, or group company structures
• Significant financial decisions: Business incorporation, major asset disposals, pension drawdown, inheritance planning, or company restructuring
• HMRC enquiries: If you receive a compliance check, formal enquiry, or investigation notice from HMRC
• Tax disputes: Disagreements with HMRC assessments, penalty notices, or closure notices
• Cross-border matters: International tax obligations, double taxation treaties, or transfer pricing
• Capital transactions: Sale of business, substantial share disposals, property portfolio transactions, or business asset disposal relief claims
• Tax avoidance concerns: Any arrangement that may be caught by the General Anti-Abuse Rule (GAAR), Disclosure of Tax Avoidance Schemes (DOTAS), or Promoters of Tax Avoidance Schemes (POTAS) legislation
• Regulatory requirements: Situations requiring audit, statutory accounts, or regulated financial reporting

Qualified professionals you may wish to consult include:

• Chartered Accountants: Members of the Institute of Chartered Accountants in England and Wales (ICAEW) or other recognised bodies
• Chartered Tax Advisers: Members of the Chartered Institute of Taxation (CIOT) holding the CTA qualification
• Certified Chartered Accountants: Members of the Association of Chartered Certified Accountants (ACCA)
• Tax Solicitors: Solicitors specialising in tax law, regulated by the Solicitors Regulation Authority (SRA)

You can find a qualified professional through the directories maintained by these professional bodies, or through personal recommendation.

11. Regulatory Status

Specifically:

• TaxWhizz.ai Ltd is not authorised or regulated by the Financial Conduct Authority (FCA)
• We are not a member firm of ICAEW, ACCA, CIOT, or any other professional accounting or tax body
• We do not hold a practising certificate for audit, insolvency, or investment business
• We are not registered as a tax agent with HMRC (though we facilitate submissions authorised by users)
• Our Platform is classified as a software tool, not a professional service
• We are subject to UK company law, data protection legislation, and consumer protection regulations

Our tax calculations and tools are built with reference to current UK tax legislation (including Income Tax Act 2007, Taxation of Chargeable Gains Act 1992, Corporation Tax Act 2009/2010, Value Added Tax Act 1994, and associated statutory instruments), HMRC published guidance, and established accounting standards (FRS 102, FRS 105). However, the use of these references does not confer any professional status or regulatory authorisation.

12. Indemnification

You agree to indemnify, defend, and hold harmless TaxWhizz.ai Ltd, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your reliance on any calculation, information, or AI-generated content provided by the Platform
• Any tax return, submission, or filing prepared using the Platform
• Your failure to seek appropriate professional advice where warranted
• Any inaccurate, incomplete, or misleading data you provide to the Platform
• Your violation of any applicable tax law, regulation, or HMRC requirement
• Any third-party claim arising from your use of the Platform or reliance on its output

13. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our services, technology, legal requirements, or regulatory environment. When we make changes, we will:

• Update the "Last updated" date at the top of this page
• Notify you of material changes via email or a prominent notice on the Platform

Your continued use of the Platform after any changes to this Disclaimer constitutes acceptance of the updated terms. We encourage you to review this Disclaimer periodically.

14. Contact

If you have any questions about this Disclaimer or require clarification on any of its provisions, please contact us:

TaxWhizz.ai Ltd
Registered in England & Wales
Email: legal@taxwhizz.ai

For data protection enquiries: privacy@taxwhizz.ai

For general enquiries: hello@taxwhizz.ai