Terms and Conditions for registered users of
Policy in Practice’s free Benefit and Budgeting Calculator

This services agreement (the “Agreement”) between Policy in Practice (“we”, “us”, “our”) and the User of the Services (“you”) provides the terms and conditions upon which you may access, use and receive the Services (as defined below).

This Agreement shall take effect on the date upon which you accept and thereby indicate your intention to be bound by these terms by clicking “I Agree to Policy in Practice’s Terms and Conditions”.


“Account” means your method of accessing the Services, set up by us for you which allows you to receive the Services by logging in via the applicable website.

“Term” means the duration of the Agreement commencing on the Effective Date.


2.1 In consideration for the acceptance of the terms, we hereby agree to provide to you the Services described on the terms of this Agreement, namely:

A simple, independent benefits calculator to find out what benefits you could get, how to claim and how your benefits will be affected if you start work. Our Benefit calculator allows you to:

  • Compare income under current system and Universal Credit
  • Save and download information about benefits and how to maximise income
  • See which benefits couples can claim to maximise joint income
  • Understand change – see impact of change in earnings or hours on income via sliders

Additional features provided by our calculator:

  • Personalised benefit advice
  • Advice to maximise income
  • Print outs of calculations
  • Links to Find a Job
  • Links to benefit claim forms and advice
  • Support via general email helpline

2.2 To the extent that any of the Services include the use of Software, we hereby grant you a revocable, non-exclusive, non-transferable licence for the Term to use such Software in accordance with the terms of this Agreement

2.3 You may view, download and print records generated by and for your own personal, non-commercial use, subject to the restrictions set out below and elsewhere in these terms and conditions.

2.4 Organisations may wish to enquire about our licensed services.


3.1 This Agreement will commence on the Effective Date and shall continue indefinitely unless otherwise terminated earlier in accordance with its terms.

3.2 You are limited to saving 10 records. You will be able to return and edit those saved records, but will not be able to save any additional records. To unlock more, please contact us.


4.1 Passwords: When receiving or utilising the Services, you will be required to choose a password for your Account. It is your responsibility to ensure that your password is sufficiently complex and kept secure to prevent unauthorised access to your Account and/or use of the Services. You will promptly notify us of any such unauthorised access of which you become aware.

4.2 Restrictions on Use: Unless we agree otherwise in writing, you will not: (a) sell, resell, or sublicense the Services to a third party or provide access to your Account or the Services to any third party; (b) reverse engineer, disassemble or decompile any software included within the Services; or (c) attempt to modify, alter, tamper with, repair, or otherwise create derivative works of any software included within the Services or attempt to create a substitute or similar service to any of the Services.

4.3 The Services are designed for members of the public that want to determine the way that the UK’s benefit system affects their personal financial position, as well as members of the public helping their friends and family work out what they can claim. It is not designed for professionals, benefit advisers, employment advisers and any other support worker. We offer an adviser product for these professionals with enhanced functionality. Please contact us if you would like more information about this product or click here. We hereby advise that we reserve the right to limit access to this service for these types of users.


5.1 You hereby agree that all Intellectual Property in, to, connected with or generated by or during the course of the provision of the Services shall remain the sole property of Policy in Practice and is protected by copyright, trademark and other intellectual property laws.

5.2 We hereby grant you for the Term a non-exclusive, revocable licence to use the Intellectual Property in, to or connected with the Services solely to the extent strictly necessary for you to receive the Services pursuant to this Agreement.


6.1 Software: In the event that any of the Services includes Software, we may suspend your Account in the event that: (i) either you or any user authorised by you causes or threatens to cause a security risk to such software or the technology used to provide the software; (ii) you otherwise act in a manner which may cause damage or loss in relation to such Software or technology; or (iii) you fail to comply with any of your obligations under this Agreement.

6.2 Other: In addition to the above we may suspend access to your Account in the event that you breach any of your obligations under this Agreement.


7.1 We shall not be liable in any event for any loss or damage including, without limitation: (i) any loss arising from or in connection with loss of revenues, profits, contracts or business or failure to realise anticipated savings; (ii) any loss of goodwill or reputation; or (iii) any indirect or consequential loss or damage, suffered or incurred by you arising out of or in connection with the use by you of any Service, or any other matter under this Agreement.

7.2 We will use commercially reasonable endeavours to provide the Services to deliver a reasonable level of accuracy, based on the input data provided. We provide no further guarantee nor make any representation as to the accuracy of any of the Services.


8.1 Confidentiality: We undertake that we will not at any time hereafter use, divulge or communicate to any person, except to our professional representatives or advisers or as may be required by law or any legal or regulatory authority, any confidential Personal or Sensitive Personal Data (as defined by current data protection legislation) which you may provide in the course of using the Services.

8.2 In respect of any such Personal or Sensitive Personal Data we agree that we will at all times comply with our obligations under the Data Protection Act 1998 and any subsequent amendments or superseding regulation such as the EU General Data Protection Regulation May 2018 (the “EU GDPR”), and any other applicable laws and regulations.

8.3 Personal or Sensitive Personal Data will not be shared with third party organisations, but the data may be used in aggregate and anonymised form for testing and research purposes.

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