Terms

Terms and conditions.

The terms you accept by using this site, and the limits of what you will find on it.

Last updated 14 October 2026.

About these terms

This site is operated by IQ Money, a United Kingdom business working with owner-managed companies on saving tax and growing profit.

By using this site you accept these terms. If you do not accept them, please do not use the site.

Nothing here is advice

Nothing on this site is tax, financial, accounting or legal advice, and nothing on it should be acted on as though it were.

Everything we publish is general information about how tax and business costs work. It takes no account of your company's circumstances, and your circumstances are what decide whether any of it applies to you.

We are not accountants, tax advisers or solicitors, and we are not regulated to give advice. Before you act on anything you read here, take advice from someone qualified to give it and insured to stand behind it.

Calculators and figures

The calculators on this site perform arithmetic on published rates. They are illustrations, not calculations of what any particular company owes.

They make simplifying assumptions, ignore reliefs and charges that may apply to you, and may not reflect a rate that has changed since we last updated them. Rates and thresholds change, often with little notice. Where we quote a rate we say which tax year it belongs to, and the authoritative source is always gov.uk.

Do not use a figure from this site in a return, a set of accounts, a forecast or a decision without having it checked.

Using the site

You may read this site and print or download extracts for your own business use. You must not:

  • Use it for any unlawful purpose, or in any way that breaches any applicable law
  • Copy, republish or sell our material, or present it as your own
  • Attempt to gain unauthorised access to the site, its server or any connected system
  • Introduce anything malicious, or attack the site in any way
  • Collect data from the site by automated means without our written permission

Our material

We own, or are licensed to use, the content of this site, including the text, the design, the layout and the IQ Money name and logo. Those rights are reserved. You may quote short extracts if you credit us and link to the page you took them from.

Links to other sites

Where we link to another website it is because we think it is useful, usually because it is the official source for a rate or a rule. We have no control over those sites and take no responsibility for them or for anything you find on them.

Availability

We do not promise that this site will always be available or free of errors. We may suspend, withdraw or change any part of it without notice.

Our liability

Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else that cannot lawfully be limited.

Subject to that, we exclude all conditions, warranties and other terms that might otherwise be implied, and we are not liable for any loss of profit, loss of business, business interruption or loss of anticipated savings arising from your use of this site or from reliance on anything published on it.

This site is directed at businesses. If you are a consumer, your statutory rights are not affected.

Information you send us

Anything you submit through a form on this site is handled as described in our privacy policy. Please do not send us confidential financial records through the website.

Changes to these terms

We may revise these terms. The version in force is the one on this page, and the date at the top shows when it was last changed.

Law and jurisdiction

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute arising from them.

Contact

Write to mark@iqmoney.co.uk.