Terms of use

Headroom: UK Pay & Tax Traps · WHD Ventures Ltd

Last updated: 15 November 2026

These terms apply to the Headroom: UK Pay & Tax Traps app ("Headroom"), published by WHD Ventures Ltd ("we", "us"), 66 Paul Street, London, EC2A 4NA, registered in England and Wales, company number 17212682. Contact: support@whdventures.com.

They apply alongside Apple's Licensed Application End User License Agreement (the "Apple EULA"), which governs your licence to use the app. By using Headroom you agree to both. If anything here conflicts with the Apple EULA on the licence itself, the Apple EULA applies.

Not advice

Headroom gives illustrations for general information only. It is not tax, financial, pension, legal or investment advice, and it does not take account of your full circumstances. WHD Ventures Ltd is not authorised by the Financial Conduct Authority and does not give advice.

Where Headroom shows what would happen if something changed (for example, "sacrificing £X into a pension would restore your allowance"), it is illustrating the effect on the figures you entered, not recommending that you do it. Before making a decision about your pay, pension, childcare or tax, check your position with HMRC, your employer or pension scheme, or a qualified tax adviser or regulated financial adviser. Free, impartial guidance is available from MoneyHelper (moneyhelper.org.uk).

How accurate the figures are

We work hard to keep Headroom accurate. It uses rates and thresholds published by GOV.UK, gov.scot and HMRC, and checks for updates each time it opens. However:

figures are estimates based only on the information you enter;
tax rules change, and future tax years use the latest published figures until they are confirmed;
some rules depend on details Headroom doesn't ask about, or where HMRC guidance is still pending (these are flagged in the app where they apply);
your employer's payroll, HMRC or your pension scheme may calculate things differently.

Headroom is provided "as is". We don't promise that it will be error-free, uninterrupted or suitable for every situation.

Our responsibility to you

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded by law. Nothing affects your legal rights as a consumer, including your rights under the Consumer Rights Act 2015.

Subject to that:

because Headroom is a general information tool and not advice, we are not responsible for any loss arising from decisions you make, or don't make, based on its figures, including tax, charges, interest, penalties or lost benefits or childcare support;
we are not responsible for losses that were not reasonably foreseeable, or for business losses (Headroom is for personal use);
our total liability to you in connection with Headroom is limited to the amount you paid for Headroom Pro, or £10 if you have not bought it.

Headroom Pro

Headroom Pro is a one-off, lifetime in-app purchase made through your Apple ID. It unlocks the features listed on the Pro screen in the app at the time you buy. There is no subscription. Pro can be shared with your family through Apple's Family Sharing and restored on your devices with "Restore purchase".

Apple processes the payment and handles refunds. To ask for a refund, visit reportaproblem.apple.com. If Pro is faulty, you have the rights described in the Consumer Rights Act 2015 for digital content, and you can also contact us.

We may improve, change or add features over time. We won't remove the core of what you paid for from the version you have, but features may need to change if the law or Apple's rules require it.

Your privacy

Our privacy policy explains what Headroom does and doesn't collect. In short: no account, no adverts, no tracking, and the figures you enter stay on your iPhone.

Using Headroom

Please use Headroom for your own personal, lawful purposes and don't try to copy, modify, reverse engineer or resell it, except as the law allows. Headroom's design, text and code belong to WHD Ventures Ltd.

Changes to these terms

We may update these terms, for example when features or the law change. We'll change the date above and, for significant changes, mention them in the app's release notes. The version that applies is the one in force when you use the app.

Law and disputes

These terms are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts, and the mandatory consumer law of where you live still applies. Please contact us first at support@whdventures.com: we'll try to sort things out quickly.