Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the Maternity Pay Planner website and the personalised maternity pay report (together, the "Service"), operated by Maternity Pay Planner ("we", "us", "our"). By using the Service you agree to these Terms. If you do not agree, please do not use the Service.

1. About us and the Service

Maternity Pay Planner provides a free maternity pay calculator and, for a one-off fee, a personalised maternity pay report that projects household income during maternity leave using publicly available UK tax, benefit and statutory pay rules.

The Service is intended for personal use in the United Kingdom. It is a planning tool only and does not constitute financial, legal, tax or benefits advice. Rules and rates change; always verify important decisions with your employer, HMRC, DWP or a qualified adviser.

2. Payments and Merchant of Record

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax and cancellation mechanics are governed by Paddle's Buyer Terms, available at paddle.com/legal/checkout-buyer-terms.

3. Your account and access

A personalised report is a one-off purchase tied to the email address used at checkout. You may access, edit and re-download your report until your baby's estimated due date passes (or for up to 12 months from purchase, whichever is longer). You are responsible for keeping your access link and account credentials confidential. Reports are for your own household's use and may not be shared, resold or redistributed.

4. Acceptable use

You must not:

• use the Service unlawfully or fraudulently;
• infringe our or anyone else's intellectual property rights;
• attempt to gain unauthorised access, probe, scan or interfere with security;
• upload malware or attempt to disrupt the Service;
• scrape, copy or resell any part of the Service.

5. Intellectual property

All software, content, branding and design of the Service are owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable licence to use the Service for your personal, non-commercial planning purposes.

6. Service level and warranties

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. To the fullest extent permitted by law we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

7. Suspension and termination

We may suspend or terminate access for material breach of these Terms, non-payment, suspected fraud or security risk, or repeated or serious policy violations.

8. Liability

To the fullest extent permitted by law, our aggregate liability arising out of or in connection with the Service is limited to the fees you paid us in the 12 months preceding the event giving rise to the claim. We exclude liability for indirect, consequential or special damages, including loss of profits, income, savings or data. Nothing in these Terms limits liability for fraud, death or personal injury caused by our negligence, or any other liability that cannot be limited by law.

9. Governing law

These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute.

10. Contact

Questions about these Terms? Please see our contact page. For payment or refund queries, contact Paddle at paddle.net.