Terms and Conditions

1. Agreement to these Terms

By accessing or using claimitmyself.co.uk or any courses, templates, downloadable materials,

tools, digital content, communications or other products or services we provide (together, the

"Services"), you confirm that you have read, understood and agree to be bound by these Terms

and Conditions ("Terms").

If you do not agree to these Terms, you must not use the Services.

These Terms incorporate our Privacy Policy and Refund Policy (as updated from time to time).

Where there is any conflict, the Refund Policy will apply to refunds and cancellations.

2. About us

ClaimItMyself is a trading name of Ashley Dow Ltd (Company No. 08265188).

Address: 13 Oak Green House, Oak Green Business Park, Cheadle Hulme, Cheadle, England, SK8

6QL

Email: info@claimitmyself.co.uk

3. Who can use the Services

You must be at least 18 years old to purchase a plan or create an account.

Our Services are designed primarily for individuals making UK-related claims (for example, to

HMRC or other UK authorities). You are responsible for ensuring the Services are suitable for

your circumstances.

4. Service description and important limitations

We provide self-help guidance to assist users in checking potential eligibility and preparing claim

packs so they can complete and submit claims independently.

Our Services may include (but are not limited to):

Eligibility and questionnaire tools (including automated eligibility indicators).
Templates, checklists, worksheets and step-by-step guides.
Digital tools and calculators.
Automatically generated documents or forms based on your input ("Claim Packs").
Support by email and WhatsApp during our published support hours (subject to fair use

limits).

We do not:

submit claims on your behalf;
act as your agent, representative or intermediary;
communicate with HMRC or any other third party on your behalf; or
provide regulated or professional advice (including tax, legal, financial, accounting or

regulatory advice).

You are solely responsible for deciding what to submit, and for submitting and managing your

claims.

5. Key definitions

In these Terms:

"Claim Type"; means a claim category shown in our claim catalogue.

"Claim Pack" means the outputs we make available for a Claim Type, which may include

eligibility outputs, templates, letters and/or forms to download/print and submit yourself.

"Claim-Pack Credit" means one credit that allows you to generate/unlock one Claim Pack for

one Claim Type.

"Generate/Unlock" means the action in your account that creates/unlocks the Claim Pack

for download/print. A Claim-Pack Credit is used when you Generate/Unlock.

"Billing Anniversary" means the date each month that your plan renews (or would renew)

and your monthly credit allowance resets.

"Business Day" means Monday to Friday, excluding UK bank holidays.

6. Plans, pricing, credits and access

We currently offer the following plans (prices shown on our website at the time of purchase):

Monthly membership (£4.99 per month): includes 2 Claim-Pack Credits per month.

Annual membership (£49.99 per year): includes 2 Claim-Pack Credits per month (credits

reset monthly on your Billing Anniversary).

All-Access membership (£99.99 for 12 months) (Coming Soon): will include unlimited Claim-

Pack Credits, priority WhatsApp support, and access to all available claim packs within 2

business days.

6.1 Claim-Pack Credits

For Monthly and Annual plans:

Your monthly credit allowance resets on your Billing Anniversary.

Credits do not roll over.

A credit is used when you Generate/Unlock a Claim Pack (even if you do not download or

print it).

You cannot purchase extra credits; you may upgrade (when available).

For Annual plans, your Billing Anniversary is the monthly date that matches your annual

purchase date (for example, if you buy on the 10th, your monthly credit reset is the 10th of each

month during the plan year). If a month does not have that date, the reset occurs on the last day

of that month.

6.2 Availability and “Coming Soon” claim packs

Your account may display many Claim Types with descriptions. Not every Claim Type will have a

Claim Pack available immediately. Where a Claim Pack is marked “Coming Soon” (or similar), you

cannot Generate/Unlock it until it is released.

We aim to add new Claim Packs regularly, but we do not guarantee that a particular Claim Pack

will be available by a specific date.

7. Accounts and security

To access paid Services you must create an account. You must provide accurate, complete and

up-to-date information.

You are responsible for keeping your login details confidential and for all activity on your

account. Do not share your account with anyone else.

If you believe your account has been compromised, contact us immediately at

info@claimitmyself.co.uk.

8. Eligibility indicators and estimated figures

Any eligibility indicators (including labels such as “may qualify” or “may not qualify”) are

generated from the information you provide and rules/criteria we apply. They are guidance only

and are not a guarantee of success, entitlement or outcome.

Any refund, compensation, tax-saving or similar figures shown are estimates only. They may

reflect assumptions (including eligibility across multiple tax years) and may not account for your

individual circumstances or decisions by the relevant authority. Final outcomes and amounts are

determined solely by the relevant authority (for example, HMRC).

9. Your responsibilities

By using the Services, you agree that:

 You are solely responsible for preparing, reviewing, completing and submitting your claims.

 You will carefully review and verify the accuracy of any Claim Pack generated by us, which is

produced solely based on the information you provide.

 You will ensure all information you submit to any authority is accurate, complete and up to

date.

 You will obtain permission before providing us with personal data about another person (for

example, a spouse/partner or children) where required.

 You will comply with all applicable laws and submission requirements (including deadlines

and evidence requests).

 You will not use the Services for fraudulent, misleading or unlawful activity.

10. Payments, renewals and cancellation

Payments are processed by our payment provider(s) (currently Stripe). By purchasing a plan, you

authorise us (and our payment provider) to charge the applicable fees.

10.1 Monthly renewals

Monthly plans renew automatically each month until cancelled. Your Billing Anniversary is the

renewal date.

10.2 Annual renewals

Annual plans renew automatically each year unless you cancel before renewal (auto-renew is

enabled by default). Your monthly credit allowance resets on the monthly date that matches

your annual purchase date (see section 6.1).

10.3 Price changes

We may change our plan fees from time to time. Any change will apply only to future renewals

(not the current paid period). Where a renewal fee changes, we will give reasonable advance

notice (for example by email or in-account notice) and you can cancel before the renewal if you

do not wish to continue.

10.4 How to cancel

You can cancel so that your plan does not renew. Where available, cancellation can be done in

your account portal. You can also request cancellation by emailing info@claimitmyself.co.uk

from the email address on your account.

Cancellation takes effect at the end of your current paid billing period. You will continue to have

access until that period ends, and access may be removed once the period ends.

10.5 Non-payment and reversals

If a payment fails or is reversed, we may suspend access to paid features until payment is

successfully made. We may also suspend access where a chargeback is initiated (see section 14

and section 18).

11. Digital content and the 14-day right to cancel

If you are a UK consumer, you generally have a 14-day right to cancel online purchases.

However, for digital content supplied immediately, this right can end once supply begins if you

give express consent and acknowledge you will lose the right to cancel.

At checkout, you will be asked to confirm that you request immediate access to digital content

and acknowledge that your 14-day right to cancel ends once access begins. Access begins when

paid features are enabled or when you Generate/Unlock a Claim Pack (whichever happens first).

12. Refunds and the 100% Money-Back Guarantee

Refunds, cancellations and our 100% Money-Back Guarantee are governed by our Refund Policy.

Please read the Refund Policy carefully before purchasing.

In summary, the 100% Money-Back Guarantee applies only if all submitted ClaimItMyself-

generated claim packs are rejected and you provide the required rejection evidence, subject to

the exclusions and time limits in the Refund Policy.

13. Support and fair use (hard caps)

Support hours: Monday to Friday, 10:00am to 5:00pm (UK time), excluding UK bank holidays.

Channels: Email + WhatsApp. WhatsApp is a product help chat channel (not tax/legal advice).

Response targets (during support hours):

Standard support (Monthly/Annual): we aim to respond within 1 business day.

Priority support (All-Access, when launched): we aim to respond the same business day or

the next business day.

Scope of support

Support is limited to platform/how-to guidance (for example: using your portal, understanding

what information to enter, generating/unlocking claim packs, and the steps to submit your own

claim). We do not provide professional tax/legal/financial advice and we do not submit claims or

communicate with third parties on your behalf.

Fair use limits

To keep support fair for all customers, support usage is subject to the caps below. Caps apply

per customer account and reset monthly:

Monthly/Annual plans: up to 10 support messages per calendar month (WhatsApp + email

combined), OR up to 30 minutes of support time per calendar month, whichever is reached

first.

All-Access (when launched): up to 30 support messages per calendar month OR up to 90

minutes of support time per calendar month, whichever is reached first.

What happens if you reach the cap

If you reach the applicable cap, we may (at our discretion):

ask you to continue via email instead of WhatsApp;
require you to wait until the cap resets; and/or
offer an upgrade route (if available).

We may refuse requests that are outside the scope of product support or are repetitive/abusive.

14. Acceptable use and restrictions

You must not:

copy, reproduce, redistribute, share or resell our content, templates, tools or Claim Packs;

use the Services commercially or for anyone else’s claims (except where the claim relates to

you and you have authority to submit it);

share your login details or allow others to access your account;

attempt to reverse engineer, scrape, probe or exploit the website, tools or software;

use the Services to submit fraudulent claims or misrepresent your circumstances;

interfere with or disrupt the Services.

We may suspend or terminate access where we identify misuse or where your use poses legal or

reputational risk.

15. Intellectual property

All branding, tools, software, website content, text, graphics and materials are owned by or

licensed to Ashley Dow Ltd trading as ClaimItMyself, unless stated otherwise.

You are granted a limited, personal, non-transferable licence to use the Services and Claim Packs

solely for your own personal claim completion during your plan term.

Government forms and materials may be subject to Crown copyright or third-party rights. We

do not claim ownership of such materials.

16. Third-party services and links

Our website may contain links to third-party websites. We are not responsible for their content

or policies.

If you use WhatsApp to contact support, your messages will be processed by WhatsApp/Meta

under their terms and privacy policy (in addition to ours).

17. Limitation of liability

Nothing in these Terms limits or excludes liability for: (a) death or personal injury caused by

negligence; (b) fraud or fraudulent misrepresentation; or (c) any liability that cannot be limited

or excluded by law.

To the fullest extent permitted by law, we are not liable for: (a) rejected, delayed or

unsuccessful claims; (b) any loss arising from third-party decisions or processes; (c) errors,

omissions or inaccuracies resulting from information you provide; (d) missed deadlines; or (e)

indirect, incidental or consequential losses.

Subject to the paragraph above, our total liability to you for all claims arising out of or in

connection with the Services is limited to the total fees you paid to us for the relevant plan

during the 12 months immediately before the event giving rise to the claim.

Nothing in these Terms affects your statutory rights as a consumer.

18. Suspension and termination

We may suspend or terminate access (including removing access to paid features) where: (a)

these Terms are breached; (b) fraudulent or abusive behaviour is suspected; (c) a chargeback is

initiated; (d) we are required to do so by law; or (e) continued access poses legal or reputational

risk.

Termination does not affect accrued rights or obligations.

19. Changes to the Services and these Terms

We may update the Services (including adding, changing or withdrawing Claim Types, Claim

Packs, features or support routes) for operational, legal or technical reasons.

We may update these Terms from time to time. Any changes will take effect once published on

our website. Continued use of the Services after changes are published constitutes acceptance

of the updated Terms.

If we make changes that materially reduce core paid features for your plan, we will use

reasonable efforts to notify you.

20. Complaints and contact

If you have a complaint, please contact us first at info@claimitmyself.co.uk so we can try to

resolve it.

If you are a consumer, you may also have rights under consumer law that are not affected by

these Terms.

21. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales.

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

22. Assignment

We may transfer (assign) our rights and obligations under these Terms to another organisation.

If we do, we will ensure that it does not reduce your rights under these Terms.

You may not transfer your rights or obligations under these Terms without our written consent.

23. Third party rights

No person other than you and us has any rights under the Contracts (Rights of Third Parties) Act

1999 to enforce any term of these Terms.

24. Severability and waiver

If any part of these Terms is found to be unlawful, invalid or unenforceable, the remaining parts

will remain in full force and effect.

If we do not enforce any right under these Terms, that does not mean we waive that right.

25. Entire agreement

These Terms, together with the Privacy Policy and Refund Policy, set out the entire agreement

between you and us in relation to the Services and replace any prior agreements or

understandings about the Services.

26. Events outside our control (force majeure)

We are not responsible for delays or failures caused by events outside our reasonable control

(for example outages, network failures, third-party platform issues, changes to government

systems/processes, or acts of God).

27. Notices

We may contact you using the email address linked to your account, via in-account notices, or

other contact details you provide. If you need to give us notice under these Terms, please email