Terms of Service

Last updated: 25 February 2026  ·  Effective date: 25 February 2026

These Terms of Service ("Terms") govern your access to and use of the NetPay mobile application and website (collectively, "the Service"), operated by Bluka Labs Ltd ("we", "us", "our"), a company registered in England and Wales.

By downloading, installing or using NetPay, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Eligibility

You must be at least 13 years old to use NetPay. By using the Service you confirm that you meet this requirement. If you are under 18, you should have your parent or guardian's permission.

2. The service

NetPay is a personal finance tool that allows you to:

• Log work hours and calculate estimated take-home pay.
• Estimate UK Income Tax and National Insurance deductions.
• Set income targets and track progress toward them.
• Manage shift patterns, hourly rates and tax codes.

We reserve the right to modify, suspend or discontinue any part of the Service at any time with reasonable notice where possible.

3. Accuracy of calculations

NetPay uses published UK HMRC tax rates and thresholds. However:

• Calculations are estimates only and may not reflect your exact tax position.
• Your actual tax liability depends on your full income picture, allowances, reliefs and other factors only HMRC or a qualified accountant can determine.
• Tax rates change. We endeavour to keep the app up to date, but there may be a delay between a change in legislation and an update to the app.
• We accept no liability for any financial decisions made based on figures produced by NetPay.

4. Your account and data

NetPay does not currently require you to create an account. Your work and financial data is stored locally on your device. You are responsible for keeping your device secure and for the accuracy of information you enter into the app.

5. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable UK or international law.
• Attempt to reverse engineer, decompile or disassemble any part of the app.
• Introduce malicious code, viruses or disruptive data to the Service.
• Scrape, copy or redistribute any part of the Service without our written permission.
• Use the Service to produce false tax figures for the purpose of fraud.

6. Intellectual property

All content, design, code, illustrations and branding within NetPay are the property of Bluka Labs Ltd or our licensors and are protected by UK and international intellectual property law. You may not reproduce or use them without our express written permission.

7. Disclaimer of warranties

The Service is provided "as is" and "as available" without warranty of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free or completely accurate. To the fullest extent permitted by UK law, we disclaim all warranties including merchantability and fitness for a particular purpose.

8. Limitation of liability

To the maximum extent permitted by law, Bluka Labs Ltd shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of income or data, arising from your use of the Service. Our total liability to you shall not exceed the amount you have paid us in the 12 months prior to the claim (or £10 if no payment has been made).

9. Indemnification

You agree to indemnify and hold harmless Bluka Labs Ltd and its officers, employees and agents from any claims, damages or expenses arising from your use of the Service or your violation of these Terms.

10. Third-party links and services

The Service may contain links to third-party websites or services (such as the Apple App Store). We are not responsible for the content, privacy practices or availability of those third-party services.

11. Termination

We may suspend or terminate your access to the Service at any time if we reasonably believe you have violated these Terms. You may stop using the Service at any time by deleting the app.

12. Changes to these terms

We may update these Terms from time to time. We will notify you of material changes by posting a notice on our website or via the app. Your continued use of the Service after changes take effect constitutes your acceptance of the revised Terms.

13. Governing law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact us

If you have any questions about these Terms, please contact us at info@bluka.io or visit our support page.