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Terms of Service

  1. Acceptance of Terms
    By accessing or using Payday Visualised (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use the Service.
  2. Disclaimer of Accuracy
    Payday Visualised provides countdowns and date calculations based on user-provided schedules (e.g. “last Friday of each month,” “every two weeks,” etc.). While we strive for accuracy, you acknowledge and agree that:
    • All information (dates, times, reminders) is provided “as-is” without any warranty.
    • We are not liable for any errors, omissions, or inaccuracies in the information provided by the Service.
    • It is your responsibility to verify any dates or calculations before relying on them for financial or other decisions.
  3. No Financial, Legal or Tax Advice
    The Service is intended solely for convenience. It does not constitute financial, legal, or tax advice. Always consult a qualified UK-based professional before making important decisions based on the Service’s output.
  4. Limitation of Liability
    To the fullest extent permitted by applicable law (including the Consumer Rights Act 2015 and the Limitation Act 1980), in no event shall Payday Visualised, its owners, affiliates, employees, or licensors be liable for:
    • Any direct, indirect, incidental, consequential, or special damages (including loss of profit or revenue, loss of data, or loss of business) arising out of or relating to your use of, or inability to use, the Service.
    • Any errors, mistakes, or inaccuracies of content.
    • Any losses or damages arising from reliance on the Service’s calculations, or from any delay, interruption, or suspension of the Service.
    Nothing in these Terms limits or excludes liability for (a) death or personal injury caused by negligence, or (b) fraud or fraudulent misrepresentation.
  5. User Responsibility
    You are solely responsible for:
    • Providing accurate schedule information (e.g. correct “start date” for biweekly pay).
    • Manually verifying critical dates if you rely on them for budgeting, rent payments, or other obligations.
    • Ensuring that any notifications or exported calendar events meet your personal requirements.
  6. Privacy and Data Protection
    We respect your privacy in accordance with UK data protection law (Data Protection Act 2018, GDPR). The Service uses Cloudflare Zaraz to load analytics scripts, which may process limited usage data. A separate Privacy Policy describes how we collect, use and store your personal data. When you use the Service, you consent to our processing of data as described in that policy.
  7. Changes to the Service
    We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without notice. We will not be liable if all or any part of the Service is unavailable at any time.
  8. Governing Law and Jurisdiction
    These Terms are governed by and construed in accordance with the laws of England and Wales. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
  9. Severability
    If any provision of these Terms is held to be invalid or unenforceable in any jurisdiction, the remaining provisions shall continue in full force and effect in that jurisdiction, and the invalid or unenforceable part shall be interpreted to fulfil as closely as possible its original intent.
  10. No Waiver
    No failure or delay by us in exercising any right under these Terms shall operate as a waiver of that right.