Effective Date: 05/09/2024

1. Introduction
   These Terms and Conditions govern your use of My Tax-Free Childcare Calculator and its services. By accessing or using our website, you agree to be bound by these Terms.
2. Use of Website
   Eligibility: You must be at least 18 years old to use our website and services.
   Account: If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.
3. Intellectual Property
   All content on our website, including text, graphics, and logos, is the property of My Tax-Free Childcare Calculator and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
4. Prohibited Activities
   You agree not to:

Use our website for any unlawful purpose or in violation of any applicable laws or regulations.
Interfere with or disrupt the website or servers.
Use automated systems to access the website.

5. Limitation of Liability
   To the fullest extent permitted by law, My Tax-Free Childcare Calculator shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our website or services.
6. Indemnity
   You agree to indemnify and hold harmless My Tax-Free Childcare Calculator and its affiliates from any claims, liabilities, losses, or expenses arising from your use of our website or violation of these Terms.
7. Governing Law
   These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
8. Changes to Terms
   We may update these Terms and Conditions from time to time. Any changes will be posted on this page with an updated effective date.