Terms and Conditions

1. Acceptance of these terms

By visiting or using PayrollGTM, including our guides and calculators (together, the “Service”), you agree to these terms. If you do not agree, please do not use the Service. If you use the Service on behalf of a business, you confirm that you have authority to bind that business.

2. What the Service is, and is not

Our articles, tax guides and calculators are published for general education and information. They are not legal, tax, accounting or financial advice, and reading them does not create a professional relationship with us. We write from primary sources and aim to keep each guide accurate and current, but laws, rates and procedures change, and your situation may differ. You are responsible for checking figures against the current law and for the accuracy of your own tax returns, pension schedules and remittances. See our disclaimer and editorial policy.

3. Calculators

Calculator results are estimates based on the rules and rates we describe on each tool’s page. They do not account for every deduction, relief or exception, and they should not be filed or relied on as a final computation. Confirm important figures with the relevant authority or a qualified adviser.

4. Accounts

The public website has no user accounts. Access to the administration area is limited to the site operators.

5. Acceptable use

You agree not to misuse the Service. In particular, you will not attempt to gain unauthorised access to the Service or other users’ data, introduce malicious code, scrape or copy the Service on a large scale without permission, interfere with its operation, use it for any unlawful purpose, or use automated means to generate artificial traffic or clicks on advertisements.

6. Intellectual property

The articles, images, calculators, design and code of the Service belong to PayrollGTM or its licensors and are protected by copyright and other laws. You may read the content, link to it, and quote short extracts with clear credit and a link back. You may not republish or sell our content, or present it as your own, without our written permission. If you believe content on the Service infringes your rights, follow the process in our copyright notice page.

7. Advertising and third-party links

The Service may display advertisements, including those served by Google, and may link to third-party websites such as government portals. We do not control those sites or advertisers, are not responsible for their content or practices, and do not endorse them by showing or linking to them. Your dealings with advertisers are between you and them. See our privacy policy for how advertising cookies work.

8. Availability and changes

We work to keep the Service available, but we do not promise that it will be uninterrupted or error-free. We may change, suspend or discontinue any part of the Service, and we may update these terms from time to time. Continued use after a change means you accept the updated terms.

9. Disclaimer of warranties

To the extent the law allows, the Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including fitness for a particular purpose and accuracy of every statement or calculation.

10. Limitation of liability

To the extent the law allows, PayrollGTM is not liable for indirect, incidental or consequential loss, or for loss of profit, data or goodwill, arising from your use of or inability to use the Service, including penalties or interest imposed by any authority because of a figure or deadline you relied on. Nothing in these terms limits liability that cannot be limited by law.

11. Termination

You may stop using the Service at any time. We may suspend or end your access if you breach these terms or misuse the Service. Provisions that by their nature should survive termination, such as intellectual property, disclaimers and limitation of liability, will continue to apply.

12. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria have jurisdiction over any dispute, subject to any mandatory rights you have under the law where you live.

13. Contact

Questions about these terms can be sent to hello@payrollgtm.com or through our contact page.