TaxReady Legal

Effective: 1 January 2025 · Last updated: 1 January 2025 · Applies to: TaxReady (taxready.uk)

Please read this page carefully before using TaxReady. By accessing or using TaxReady in any way — including entering any information, viewing any estimate, or using any accountant-matching function — you confirm that you have read, understood, and agreed to these terms in full. If you do not agree, you must stop using TaxReady immediately.

1. About TaxReady and Workiro

TaxReady is a free online tool available at taxready.uk, operated by GetBusy Australia Pty Limited (ABN 63 618 921 001), trading as Workiro ("Workiro", "we", "us", "our"). Workiro's website is workiro.com.

TaxReady offers two distinct functions:

A tax estimation tool — a simple, automated calculator that produces a very rough, illustrative estimate of a user's potential UK income tax and/or National Insurance liability for the current tax year, based on a small number of user-provided inputs.

An accountant-matching function — an automated system that attempts to surface a shortlist of locally based, highly rated UK accounting firms that may be relevant to the user's stated circumstances, based on the user's postcode and other information entered.

Workiro is not a firm of accountants, tax advisers, financial advisers, or solicitors. We are not regulated by HMRC, the Financial Conduct Authority (FCA), the Institute of Chartered Accountants in England and Wales (ICAEW), the Association of Chartered Certified Accountants (ACCA), or any other professional body in relation to the provision of accounting, tax, or financial advice. Nothing in TaxReady constitutes, or should be construed as, professional advice of any kind.

2. Tax Estimates — Not Financial or Tax Advice

The tax estimates produced by TaxReady are rough, indicative figures only. They are generated automatically by a simplified calculator based on a very limited set of inputs provided by you. They do not and cannot account for the full range of factors that affect an individual's actual UK tax liability, including but not limited to:

- Multiple income streams or sources
- PAYE tax codes and employer deductions
- Personal savings and dividend allowances
- Capital gains tax
- Pension contributions, reliefs, and annual allowances
- Gift Aid
- Eligible expenses, deductions, and allowances specific to your circumstances
- Tax reliefs, credits, or exemptions
- Student loan repayments
- Marriage allowance, blind person's allowance, or other personal allowances
- Non-domicile status
- Business structures, partnerships, or corporate arrangements
- Prior year carry-backs or carry-forwards
- Ongoing HMRC investigations or disputes
- Any other individual circumstances

The estimates produced by TaxReady are not, and are not intended to be, accurate. They are illustrative only. They are not financial advice, tax advice, legal advice, or any form of regulated advice. They must not be used to make financial decisions, to complete a Self Assessment tax return, or to determine any tax liability owed to HMRC. Workiro makes no representation, warranty, or guarantee that any estimate is correct, complete, or suitable for any purpose whatsoever.

HMRC tax rates, thresholds, and rules change frequently. Whilst we endeavour to update our calculator periodically to reflect publicly announced rates, we make no guarantee that the rates used at any given time are current, accurate, or applicable to your circumstances. You should always verify applicable rates directly with HMRC or a qualified tax professional.

Any "saving" or "potential saving" figure shown within TaxReady is an illustrative comparison between simplified hypothetical scenarios only. It does not represent a guaranteed saving, a legally entitled refund, or any sum recoverable from HMRC. These figures should not be treated as a statement of fact.

3. No Reliance — Your Responsibility

You must not rely on any information, estimate, calculation, comparison, or output produced by TaxReady for any purpose. In particular, you must not use TaxReady outputs:

- As the basis for filing, amending, or omitting anything in a tax return or HMRC submission
- To calculate or dispute any tax, National Insurance, or penalty liability
- To make investment, business, or financial planning decisions
- As evidence in any legal, regulatory, or official proceeding
- As a substitute for advice from a qualified accountant, tax adviser, or financial adviser

You are solely responsible for verifying all information and obtaining appropriate professional advice before taking any action in connection with your tax affairs.

If you are unsure of your tax position, you should consult a qualified accountant or contact HMRC directly at www.gov.uk/contact-hmrc.

4. Accountant-Matching — How It Works

TaxReady includes a function that, upon entry of a valid UK postcode, presents the user with a shortlist of accounting firms drawn from a database maintained by Workiro ("the Directory"). The Directory currently includes approximately 2,500 or more UK accounting and bookkeeping firms.

Firms in the Directory are included based on publicly available information (including, but not limited to, Google My Business listings and Google Reviews data), supplemented in some cases by information submitted directly by a firm via the accountant profile page at taxready.uk/accountants.html.

Inclusion in the Directory does not constitute endorsement, accreditation, recommendation, approval, or verification by Workiro of any firm, its principals, staff, qualifications, services, suitability, or fitness for purpose. Any firm appearing in TaxReady results may have been included automatically based on publicly available data without any direct contact with, or consent from, that firm.

Firms may submit or update their profile at any time via taxready.uk/accountants.html to provide additional information that may influence how they appear in results. Workiro reserves the right to include, exclude, or modify any listing at any time and for any reason, without notice.

5. The Matching Algorithm — Transparency & Discretion

In the interest of transparency, we describe below the general approach currently used to rank firms presented to users. This description is provided for information only. Workiro reserves the right to change, adjust, discontinue, override, or replace any aspect of the matching algorithm — including the factors used, their weighting, and the methodology — at any time and without prior notice. The description below may not reflect the current state of the algorithm at any given time.

Current approximate weighting — subject to change at any time without notice:

25% — Specialism relevance: Whether the firm has indicated expertise relevant to the user's stated work category (e.g. Construction & Trades, Freelancer, Landlord), based on tags or descriptions in the Directory.

25% — Geographic proximity: Distance between the firm's registered location and the postcode submitted by the user, based on available location data.

25% — Google Reviews: A composite score weighted by both the firm's average star rating and the total number of reviews, as retrieved from publicly available sources. This data is not verified by Workiro and may be inaccurate or out of date.

25% — Enhanced profile detail: Whether the firm has submitted additional information (such as certifications, specialisms, or accreditations) via taxready.uk/accountants.html. Firms with richer profiles may rank more favourably within this criterion.

The algorithm applies these factors on an automated basis. Results are not reviewed, validated, or approved by a human before being presented to the user. Workiro does not guarantee that the firm presented as the "top match" or "AI recommendation" is in fact the most suitable, qualified, or appropriate firm for any user's circumstances.

The use of terms such as "AI matched", "AI recommendation", or similar language within TaxReady refers solely to the automated algorithmic ranking process described above. It does not imply that any artificial intelligence system has conducted any independent assessment of, or has any knowledge of, the quality or suitability of any firm.

Firms that submit enhanced profile information, obtain more Google Reviews, or are located nearer to a user will naturally tend to appear higher in results. This is a function of the algorithm's inputs and does not represent a judgment by Workiro about any firm's quality or fitness for purpose.

Workiro reserves the right at its absolute discretion to alter, override, suspend, or remove any firm from the matching results for any reason, including but not limited to receipt of complaints, identified inaccuracies, or commercial considerations, without notice and without liability.

6. No Endorsement of Listed Firms

Workiro does not verify, audit, or assess the qualifications, regulatory status, competence, solvency, reputation, or suitability of any firm listed in TaxReady. The following in particular should be noted:

- A firm's appearance in TaxReady results is not a representation that it is qualified, regulated, or fit to advise on your tax affairs.
- Workiro has not conducted due diligence on any firm in the Directory.
- Google Reviews data displayed within TaxReady is sourced from publicly available third-party data. Workiro does not verify its accuracy, currency, or completeness and accepts no responsibility for it.
- Certifications, accreditations, and specialisms submitted by firms via their profile are self-reported and have not been verified by Workiro.
- The engagement, retention, or instruction of any accountant or firm found via TaxReady is entirely a matter between you and that firm. Workiro is not a party to any such arrangement.

You must conduct your own due diligence before engaging any firm found via TaxReady, including verifying regulatory status with the relevant professional body (e.g. ICAEW, ACCA, AAT, or HMRC's register of tax agents), taking up references, and satisfying yourself as to the firm's suitability for your needs.

Workiro accepts no responsibility or liability whatsoever for the services, advice, actions, omissions, errors, or conduct of any firm found via TaxReady, whether or not that firm appeared as a result of our matching algorithm.

7. Third-Party Data Sources

TaxReady draws on data from third-party sources, including Google Maps and Google My Business, to populate the Directory and to display review and location data. This data is provided by those third parties on an "as is" basis. Workiro has no control over its accuracy, completeness, or currency, and accepts no liability for any inaccuracy, omission, or error in third-party data as displayed within TaxReady.

TaxReady is not affiliated with, endorsed by, or connected with Google LLC or any of its affiliates. Google Reviews data is the property of Google LLC and is subject to Google's own terms of service.

HMRC tax rates and thresholds used within TaxReady are based on publicly announced figures. Workiro is not affiliated with HMRC and TaxReady is not an HMRC-approved or HMRC-endorsed tool.

8. Limitation of Liability

To the fullest extent permitted by applicable law:

Workiro excludes all liability to you or any third party for any loss, damage, cost, expense, liability, claim, or proceeding of any kind (whether direct, indirect, consequential, special, incidental, or otherwise) arising out of or in connection with: (a) your use of or reliance on TaxReady; (b) any estimate, output, or result produced by TaxReady; (c) any accountant or firm found, contacted, engaged, or retained via TaxReady; (d) any inaccuracy in third-party data displayed by TaxReady; or (e) any unavailability, interruption, or error in TaxReady.

In particular, Workiro shall have no liability whatsoever for: any incorrect tax submission; any underpayment or overpayment of tax; any penalty, surcharge, or interest imposed by HMRC; any loss of income, profit, business, data, or opportunity; or any financial loss arising from engagement with any firm found via TaxReady.

Nothing in these terms limits Workiro's liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

If, notwithstanding the above, Workiro is found to be liable to you in connection with TaxReady, our total aggregate liability to you shall not exceed £100 (one hundred pounds sterling) in any circumstances.

9. No Warranty

TaxReady is provided entirely on an "as is" and "as available" basis without any warranty, express or implied. To the fullest extent permitted by applicable law, Workiro expressly disclaims all warranties, including but not limited to:

- Warranties of merchantability or fitness for a particular purpose
- Warranties of accuracy, completeness, reliability, or currency of any information or output
- Warranties that TaxReady will be uninterrupted, error-free, or free from viruses or other harmful components
- Warranties that any defect will be corrected

Workiro may modify, suspend, or withdraw TaxReady (or any part of it) at any time and without notice, and shall have no liability to you in connection with any such modification, suspension, or withdrawal.

10. Indemnity

You agree to indemnify, defend, and hold harmless GetBusy Australia Pty Limited (trading as Workiro), its officers, directors, employees, contractors, agents, and successors from and against any and all claims, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of TaxReady; (b) your breach of these terms; (c) any information you submit to TaxReady that is false, misleading, or inaccurate; or (d) any dispute between you and any accounting firm found via TaxReady.

11. Changes to TaxReady and These Terms

Workiro reserves the right to update, amend, or replace these terms at any time. Changes will take effect from the date the updated terms are published at this URL. Your continued use of TaxReady after changes are published constitutes acceptance of the revised terms.

Workiro also reserves the right to modify, enhance, restrict, suspend, or discontinue TaxReady, or any feature within it, at any time and without notice. This includes, without limitation:

- Changes to the tax estimation methodology, rates, or categories used
- Changes to the matching algorithm, including the factors considered, their relative weighting, and any other parameters
- Changes to the firms included in, or excluded from, the Directory
- Changes to the information displayed in connection with any firm
- Changes to the accountant profile submission process at taxready.uk/accountants.html

Workiro makes no commitment to provide any notice of changes to the matching algorithm or the methodology used, and no person or firm may rely on any previously described algorithm, weighting, or ranking methodology remaining in force.

12. Governing Law

These terms and your use of TaxReady are governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with these terms or your use of TaxReady shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless mandatory consumer protection laws in your jurisdiction require otherwise.

If you are accessing TaxReady from outside the United Kingdom, you do so at your own risk and are responsible for compliance with applicable local laws.

13. Contact

TaxReady is operated by GetBusy Australia Pty Limited (ABN 63 618 921 001), trading as Workiro. If you have any questions about these terms, or if you are an accounting firm that wishes to update your listing, please visit:

Accountant profile / listing enquiries: taxready.uk/accountants.html
General enquiries: workiro.com

Workiro does not provide tax advice and is unable to respond to queries about individual tax positions.

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