Terms & Conditions

Last updated: May 2026

Use of the site

SMB Tools provides free interactive tools and downloadable reports for UK SMEs. By using the site you agree to these terms. If you do not agree, please do not use the site.

Not professional advice

Our calculators, scores and reports are for general guidance only. They are not financial, tax, legal, cyber-security or regulatory advice. Always consult a qualified professional before making business decisions.

Accuracy

We work hard to keep UK rates, regulations and benchmarks current, but make no warranty that outputs are accurate, complete or fit for any specific purpose. You use the tools at your own risk.

Affiliate disclosure

Some external links may be affiliate links. If you sign up via one of those links, we may earn a small commission at no extra cost to you. This never influences our rankings or recommendations.

Intellectual property

All content, tools, reports, branding and code on this site are © SMB. You may share links and quote short excerpts with attribution. Republishing tools or reports in full requires written permission.

Liability

To the fullest extent permitted by law, SMB Tools is not liable for any loss or damage arising from use of the site or reliance on its outputs.

Changes

We may update these terms from time to time. Continued use of the site after changes are posted constitutes acceptance.

Governing law

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