Legal

Terms of use

By using Semi Sweet you agree to these terms. They are short because the site is simple: free information and tools, used at your own discretion.

Who runs Semi Sweet

Semi Sweet (semisweet.co.uk) is a personal, non-commercial website run by Simon Lloyd, an individual based in the UK. You can contact him at hellosemisweetuk@gmail.com.

Using the site

  • Semi Sweet provides general information and free calculators about semi-retirement, work and pensions in the UK. It is not financial, tax, legal or medical advice. See our disclaimer.
  • Calculators give estimates based on the information you enter and the assumptions set out in how our tools work. You are responsible for any decisions you make.
  • We work hard to keep figures accurate and up to date, but we do not guarantee that everything on the site is complete, current or error-free.

Our liability

To the extent the law allows, we are not liable for any loss arising from your use of, or reliance on, the site or its tools. Nothing in these terms limits liability that cannot be limited by law.

Content

The Semi Sweet name, logo, design, text and code are ours unless stated otherwise. You are welcome to link to any page. Public sector data is used under the Open Government Licence v3.0, as set out in how our tools work.

Links to other sites

We link to official and independent sources such as GOV.UK and MoneyHelper. We are not responsible for their content.

Changes and law

We may update these terms from time to time; the date below shows the latest version. 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.

Last updated 11 October 2026