Terms of Service

Last updated: 13 January 2026

These terms govern your use of Savin Hood's services. By using Savin Hood, you agree to these terms. If you don't agree, please don't use the service.

1. What Savin Hood is

Savin Hood is a tool for understanding your UK tax position. We help you:

  • Calculate tax, National Insurance, and take-home pay
  • Explore scenarios like pension contributions and salary sacrifice
  • Track your income throughout the tax year
  • Identify potential tax traps and optimisation opportunities

We're a calculator and planning tool. We're not accountants, tax advisers, or financial advisers.

2. What Savin Hood is not

Savin Hood does not provide financial, tax, or legal advice.

Our calculations are based on publicly available UK tax rules and rates. We aim for accuracy, but:

  • Tax rules change, sometimes without notice
  • Your personal circumstances may affect what applies to you
  • We cannot account for every edge case or exemption
  • Calculations are estimates, not guarantees

You are responsible for your own tax decisions. If you're unsure about anything, consult a qualified tax adviser or accountant.

3. Your account

You're responsible for:

  • Keeping your email address secure and up to date
  • Any activity that happens through your account
  • The accuracy of information you provide
  • Complying with UK law when using the service

You must be at least 18 years old to use Savin Hood.

4. Acceptable use

You may not:

  • Use the service for anything illegal or fraudulent
  • Attempt to breach security measures or access other users' data
  • Reverse engineer, copy, or scrape the service
  • Upload malicious files or code
  • Impersonate others or provide false information to us
  • Use the service in any way that could damage, disable, or impair it

5. Accuracy and your responsibility

We work hard to keep our calculations accurate and up to date with current UK tax law. However:

  • Tax legislation changes regularly
  • Individual circumstances vary widely
  • We may make mistakes or encounter bugs

Always verify important calculations independently. Don't rely solely on Savin Hood for decisions with significant financial or legal consequences.

If you spot an error, please let us know at support@savinhood.com.

6. Intellectual property

Savin Hood owns the service, including its design, code, calculations, and content. You may use the service for your personal tax planning, but you may not:

  • Copy or redistribute our content
  • Use our branding or design elements
  • Create derivative works based on our service

The data you provide (your salary, benefits, etc.) remains yours. See our Privacy Policy for details on how we handle your data.

7. Service availability

We aim to keep Savin Hood available and reliable, but we can't guarantee:

  • Uninterrupted access
  • Error-free operation
  • That the service will meet your specific needs

We may need to suspend the service for maintenance, updates, or unforeseen issues. We'll try to give notice when practical.

8. Limitation of liability

To the fullest extent permitted by law:

  • Savin Hood is provided "as is" without warranties of any kind
  • We are not liable for any losses or damages arising from your use of the service
  • We are not liable for decisions you make based on our calculations
  • We are not liable for tax penalties, missed opportunities, or financial losses

This includes direct, indirect, incidental, or consequential damages.

Nothing in these terms excludes liability that cannot be excluded under UK law (such as liability for death or personal injury caused by negligence, or fraud).

9. Changes to the service

We may:

  • Add, modify, or remove features
  • Change how the service works
  • Introduce pricing or subscription plans
  • Discontinue the service entirely

We'll try to give reasonable notice of significant changes.

10. Termination

You can stop using Savin Hood at any time. You can request deletion of your account and data by contacting us at support@savinhood.com.

We may suspend or terminate your access if:

  • You breach these terms
  • We're required to by law
  • Your use threatens the security or integrity of the service

11. Third-party services

Savin Hood uses third-party services to operate (such as hosting, email delivery, and payslip processing). These are described in our Privacy Policy.

We're not responsible for how those third parties operate, though we choose them carefully.

12. Changes to these terms

We may update these terms from time to time. If we make material changes, we'll update the "Last updated" date and, where appropriate, notify you through the service.

Your continued use of Savin Hood after changes means you accept the updated terms.

13. Governing law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

14. General

If any part of these terms is found to be unenforceable, the rest remains in effect.

These terms constitute the entire agreement between you and Dulwich Wood Technologies Ltd. (trading as Savin Hood) regarding the service.

15. Contact

Questions about these terms? Contact us at:

Email: support@savinhood.com