Financial Services Disclaimer

1. Nature of Content Published

UK Tax Hero publishes general educational content about UK taxation. This includes explanatory articles, guidance on how specific taxes work, indicative rates and thresholds, worked examples, and tools such as calculators and downloadable templates.

All content is produced for general informational and educational purposes. It is intended to help users understand the UK tax system — not to provide guidance tailored to their personal, financial, or business circumstances.

The complexity of UK tax law means that outcomes depend heavily on individual facts, timing, business structure, residence status, domicile, and numerous other variables. General guidance can never adequately substitute for professional analysis of your specific situation.

2. Regulatory Status

UK Tax Hero is not authorised or regulated by:

• The Financial Conduct Authority (FCA)
• The Institute of Chartered Accountants in England and Wales (ICAEW)
• The Chartered Institute of Taxation (CIOT)
• The Association of Taxation Technicians (ATT)
• Any other professional regulatory or supervisory body

We are not a regulated tax agent, accounting firm, law firm, or financial services provider. We do not hold any regulated permissions, licences, or authorisations to provide personal tax, financial, or legal advice under the Financial Services and Markets Act 2000 (FSMA 2000) or any related legislation.

3. The Difference Between Guidance and Regulated Advice

This distinction is important and should be clearly understood:

What we provide — General guidance

General guidance explains how tax rules work in general terms. It is educational in nature, applies to the broad position as set out in legislation and HMRC guidance, and does not take account of your specific circumstances. It is not personalised, it is not regulated, and it does not create a professional relationship or duty of care.

What we do not provide — Regulated advice

Regulated tax or financial advice involves a qualified professional analysing your specific personal or business circumstances, applying the relevant law to your facts, and providing a recommendation on which you are entitled to rely. This creates a professional relationship and a duty of care, and is subject to professional standards, regulatory oversight, and professional indemnity insurance.

Only content from a regulated professional engaged to act for you constitutes advice on which you should rely for decision-making purposes.

How we use terminology

Throughout this website, we use the word "guidance" (and not "advice", "advisor", or "adviser") to reflect clearly that our content is informational. Where calculators or tools produce an output, this output is an estimate only and does not constitute regulated advice.

4. Accuracy and Currency of Information

We make every reasonable effort to ensure that content published on this Website is accurate and up to date with current UK legislation, HMRC guidance, and government policy as at the time of publication.

However, tax law is complex, changes frequently — including mid-tax-year following Budget statements and Statutory Instruments — and the application of tax rules depends on individual circumstances which we cannot assess.

We therefore:

• Aim to review and update content at least annually and following any material legislative change
• Include effective dates and "last reviewed" notices on content where applicable
• Link to primary sources (GOV.UK, HMRC, Parliament) wherever possible
• Cannot guarantee that content is free of error, omission, or that it reflects the most recent legislative position at the moment you read it

You should always verify current rates, thresholds, and rules directly with HMRC or through a qualified professional before taking any action.

5. No Liability for Reliance

To the fullest extent permitted by applicable law, UK Tax Hero expressly excludes all liability for any loss, damage, penalty, or expense of any kind arising from:

• Your reliance on any content, calculator output, or guidance published on this Website
• Any tax liability, HMRC penalty, surcharge, or interest arising from actions taken or not taken on the basis of our content
• Inaccuracy, error, or omission in any published content
• Your failure to obtain or act upon qualified professional guidance
• Changes in tax law, HMRC practice, or government policy occurring after content was published

Nothing in this disclaimer limits liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

6. AI Tax Chat — Important Limitations

Our AI Tax Chat tool is an artificial intelligence assistant trained to provide general tax information. It is subject to all the limitations described in this disclaimer, and additionally:

• AI outputs are generated by a language model and may contain errors, hallucinations, or outdated information
• The AI cannot access your personal tax records, HMRC account, or financial data
• Responses are not reviewed by a qualified professional before delivery
• The AI is not capable of providing regulated tax or financial advice
• You must not rely on AI Tax Chat for any financial, legal, or tax decision without verifying the information with a qualified professional

7. Tax Calculators — Estimates Only

Our free tax calculators are provided for illustrative and estimation purposes only. Calculator outputs:

• Are based on standard assumptions and may not reflect your precise circumstances
• Do not account for personal allowances, reliefs, exemptions, or deductions that may apply to you individually
• Use rates and thresholds applicable at a specified tax year — check the calculator for the relevant year
• Do not constitute a tax return, HMRC calculation, or regulated estimate
• Should not be submitted to HMRC or used for official purposes

For an accurate tax calculation, you should use HMRC's own tools, Self Assessment software, or engage a qualified accountant.

8. Finding Regulated Professional Guidance

For personalised, regulated tax and accounting guidance, we strongly recommend engaging a qualified professional. Our Find an Expert directory can help you locate verified professionals including:

• Chartered Tax Advisers (CTA) — members of the Chartered Institute of Taxation
• Chartered Accountants (ACA, ACCA, CIMA)
• Self Assessment and HMRC specialists
• CIS, VAT, and payroll accountants
• Solicitors for tax planning and estate matters

You may also find regulated professionals through:

• CIOT Find a Tax Adviser
• ICAEW Find a Chartered Accountant
• ACCA Find an Accountant

9. Contact Us

If you have any questions about the scope of this disclaimer or about our regulatory status, please contact us via our Online Helpdesk.