Terms & 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

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.

5. Key definitions

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 immediately on purchase and 2 new Claim-Pack Credits on each monthly Billing Anniversary while your subscription remains active.
• Annual Membership (£49.99 per year): includes 2 Claim-Pack Credits immediately on purchase and 2 new Claim-Pack Credits on each monthly Billing Anniversary while your subscription remains active.
• All-Access Membership (£99.99 for 12 months) (Coming Soon): if and when launched, will include unlimited Claim-Pack Credits, priority WhatsApp support, and access to all available Claim Packs within 2 business days.

From time to time, we may also offer promotional plans, bundles or campaign-specific offers with different initial credits, included claim packs or onboarding features. Where a promotional offer applies, the specific offer terms shown at checkout or in the relevant promotional materials will apply in addition to these Terms and, to the extent of any conflict, those promotional terms will take precedence for that promotional offer only.

6.1 Claim-Pack Credits

For Monthly and Annual plans:

• You receive 2 Claim-Pack Credits immediately on successful payment.
• Your monthly credit allowance resets on each monthly Billing Anniversary, when 2 new Claim-Pack Credits are added to your account while your subscription remains active.
• 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).
• Claim-Pack Credits are personal to your account, non-transferable, and have no cash value.
• 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. If a month does not have that date, the reset occurs on the last day of that month.

If your subscription is cancelled or ends, any unused Claim-Pack Credits will remain available only until the end of your current paid billing period, after which they will expire.

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 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 responsible for carefully reviewing, verifying, completing, signing and submitting your claims, including any Claim Pack generated by us based on the information you provide.
• You will carefully review and verify the accuracy of any Claim Pack generated by us, which is produced based solely on the information you provide.
• You will ensure all information you provide to us, and all information you submit to any authority or third party, is accurate, complete and up to date.
• You will obtain permission before providing us with personal data about another person where required.
• You will comply with all applicable laws and submission requirements (including deadlines, supporting evidence requests and follow-up requirements).
• 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 unless and until cancelled. Your Billing Anniversary is the monthly renewal date.

10.2 Annual renewals

Annual plans renew automatically every 12 months unless and until cancelled before the next annual renewal date (auto-renew is enabled by default).

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 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 again. 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.

If you cancel, your cancellation will take effect at the end of your current paid billing period. You will continue to have access until that period ends.

Cancellation stops future renewals only. Payments already made for the current billing period are non-refundable except where required by law or where a refund is available under our Refund Policy.

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.

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 or digital services supplied immediately, that right can end once supply begins if you give express consent and acknowledge that you will lose your right to cancel.

At checkout, you will be asked to confirm that you request immediate access to digital content and digital services and acknowledge that your 14-day right to cancel may end once supply begins.

For the purposes of these Terms, supply begins when we first do any of the following, whichever happens first:

• enable paid account or portal access;
• email you any completed claim forms, claim packs or other paid digital materials; or
• generate, unlock or otherwise make paid digital claim materials available in your account.

Once supply has begun in these circumstances, your statutory right to cancel may be reduced or lost to the extent permitted by law.

Nothing in this section affects any statutory rights you may have in relation to digital content or services that are faulty, not as described, or not provided with reasonable care and skill.

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

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.

Fair use

Support is provided on a fair-use basis and is intended for reasonable customer help relating to the Services.

We may limit, defer or refuse support requests where reasonably necessary, including where:

• requests are outside the scope of product support;
• requests are repetitive, excessive or unreasonable;
• abusive, offensive or inappropriate behaviour occurs; or
• continued support use would materially affect our ability to provide support fairly to other customers.

If support use becomes excessive

Where fair-use limits are exceeded, we may:

• ask you to continue via email instead of WhatsApp or telephone;
• limit the frequency or duration of further support interactions;
• require you to wait until a reasonable later time before further support is provided; and/or
• offer an upgrade route (if available).

Nothing in this section limits any statutory rights you may have as a consumer.

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 non-material changes to these Terms, including changes made for clarification, formatting, administrative reasons, or to reflect legal or regulatory updates, may take effect once published on our website.

If we make a material change to these Terms that affects the price of your subscription, renewal terms, included credits, key service features, support entitlements, or your cancellation rights, we will give reasonable advance notice.

Any material change will normally take effect from your next renewal date unless:

• (a) the change is required by law;
• (b) the change is clearly in your favour; or
• (c) you expressly agree to the earlier change.

If you do not agree to a material change, you may cancel your subscription before the next renewal takes place.

Continued use of the Services after a non-material change has been published constitutes acceptance of that non-material change. Continued use after a material change takes effect constitutes acceptance of that material change.

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, except that if you live in Scotland or Northern Ireland, you will also benefit from any mandatory protections available to you under the laws of that part of the UK.

If you are a consumer, you may bring legal proceedings in relation to these Terms in the courts of England and Wales or, if you live in Scotland or Northern Ireland, in the courts of your home part of the UK.

If we bring legal proceedings against you as a consumer, we will do so only in the courts of the part of the UK in which you live.

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 info@claimitmyself.co.uk.