The information provided by PayrollGTM ("we," "us," or "our") on https://www.payrollgtm.com (the "Site") is for general informational and educational purposes only. All information on the Site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, or completeness of any information on the Site.
1. Not Professional Advice
The content published on PayrollGTM — including but not limited to articles on PAYE, Personal Income Tax, the Nigeria Tax Act (NTA), pension contributions, NHF, ITF, and other statutory deductions — is not a substitute for professional accounting, tax, legal, or financial advice.
Before making any business, financial, or compliance decision based on information you have read on this Site, you should consult with a qualified professional such as:
- A chartered accountant registered with ICAN or ANAN;
- A tax consultant recognised by the Federal Inland Revenue Service (FIRS);
- A legal practitioner qualified to advise on Nigerian labour and tax law; or
- A licensed pension administrator for matters relating to the Pension Reform Act.
2. No Guarantee of Accuracy or Timeliness
Nigerian tax and payroll regulations change frequently through new legislation, FIRS circulars, PENCOM guidelines, and judicial interpretation. While we make every reasonable effort to ensure our content reflects the most current regulatory position, we cannot guarantee that every article, calculator, or tool reflects the very latest legal position at the moment you read it.
You are solely responsible for verifying any information you rely on against the official publications of:
- The Federal Inland Revenue Service (FIRS) — firs.gov.ng
- The National Pension Commission (PenCom) — pencom.gov.ng
- The Federal Ministry of Labour and Employment
- The Federal Gazette for the latest enacted legislation
3. Calculators and Tools Are Estimates Only
Any payroll calculator, net-pay estimator, or interactive tool provided on this Site produces indicative estimates only. Actual PAYE, pension, NHF, and other statutory deductions depend on individual circumstances — including but not limited to income bands, reliefs claimed, employment type, and applicable state-level rules — that no general-purpose tool can fully capture.
You should not rely solely on our calculators for tax filing, salary structuring, or compliance decisions. Always verify against official FIRS tax tables and consult a qualified professional.
4. External Links Disclaimer
This Site may contain links to external websites or content originating from third parties. Such links are provided for your convenience and reference only. We do not investigate, monitor, or check external links for accuracy, adequacy, validity, reliability, or completeness. We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through this Site.
5. Advertising & Affiliate Disclosure
PayrollGTM is supported by advertising. We display advertisements through third-party networks, including Google AdSense. Advertisements are served by automated systems and their appearance on this Site does not constitute an endorsement of the advertised products or services.
Some links on this Site may be affiliate links, meaning we may earn a small commission if you click through and make a purchase — at no additional cost to you. Any such relationships do not influence our editorial content, recommendations, or reviews.
6. Limitation of Liability
Under no circumstance shall PayrollGTM, its owners, contributors, or affiliates be liable to you for any loss or damage of any kind incurred as a result of the use of the Site or reliance on any information provided on the Site. Your use of the Site and your reliance on any information is solely at your own risk.
7. Errors and Omissions
While we strive to ensure accuracy, this Site may contain typographical errors, inaccuracies, or omissions. If you believe any content on this Site is inaccurate, outdated, or misleading, please contact us with specific details and, where possible, the official source that contradicts our content. We take factual corrections seriously and will review and update articles where warranted.
8. Copyright
All content on this Site is the property of PayrollGTM unless otherwise stated. Unauthorised reproduction, republication, or scraping of our content is prohibited. For takedown requests, see our DMCA & Copyright policy.
9. Consent
By using this Site, you hereby consent to this disclaimer and agree to its terms. If you do not agree with any part of this disclaimer, please discontinue use of the Site.
10. Updates to This Disclaimer
We may update this Disclaimer from time to time. Any changes will be posted on this page with an updated "Last updated" date at the top. You are encouraged to review this page periodically to stay informed.
11. Contact Us
If you have questions about this Disclaimer, please contact us at:
This disclaimer was last reviewed on September 29, 2026. It applies to all pages, articles, tools, and calculators hosted on https://www.payrollgtm.com.