Terms of Service
Last updated: 30 July 2025
1. Agreement to Terms
By accessing and using the IHT calculator provided by ACJ Financial Planning, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our service.
2. About Our Service
Our IHT calculator is an educational tool designed to provide estimates of potential Inheritance Tax liability. The results are for informational purposes only and should not be considered as financial advice.
Important: Calculator results are estimates only. Actual IHT calculations may differ based on various factors not captured in the calculator. Always consult with a qualified financial adviser for personalised advice.
3. Acceptable Use
You agree to use our calculator only for:
- Personal IHT planning and educational purposes
- Legitimate financial planning activities
- Purposes that comply with all applicable laws and regulations
You agree NOT to:
- Use the calculator for illegal purposes
- Attempt to access, tamper with, or use non-public areas of our systems
- Share or misuse calculation results in a misleading manner
- Reverse engineer or copy our calculator methodology
4. Financial Advice Disclaimer
Important Financial Disclaimer:
- The calculator provides estimates only, not official tax calculations
- Results do not constitute financial, tax, or legal advice
- IHT rules are complex and subject to change
- Individual circumstances may significantly affect actual liability
- Always seek professional advice before making financial decisions
ACJ Financial Planning is authorized and regulated by the Financial Conduct Authority (FCA Number: 501917).
5. Data Accuracy
You are responsible for ensuring that all information entered into the calculator is accurate and complete. We cannot guarantee the accuracy of results based on incorrect or incomplete data.
6. Intellectual Property
The calculator, including its design, functionality, and underlying algorithms, is the intellectual property of ACJ Financial Planning and our technology partners. You may not copy, modify, or redistribute our calculator without permission.
7. Limitation of Liability
To the fullest extent permitted by law, ACJ Financial Planning shall not be liable for any damages arising from:
- Use of calculator results for financial decisions
- Inaccuracies in calculator estimates
- Technical issues or service interruptions
- Loss of data or financial losses
8. Service Availability
While we strive to maintain continuous service, we do not guarantee that the calculator will be available 24/7 without interruption. We may suspend service for maintenance, updates, or other operational reasons.
9. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
10. Updates to Terms
We may update these terms from time to time. Significant changes will be communicated via email or prominent notice on our website. Continued use of the calculator after changes constitutes acceptance of new terms.
11. Governing Law
These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.
12. Contact Information
If you have questions about these Terms of Service:
ACJ Financial Planning
Email: chris@acjfinancialplanning.co.uk
Phone: 07403109219
Website: www.acjfinancialplanning.co.uk
FCA Number: 501917