ChallengeMyRates

Terms of Service

Last updated: 13 March 2026

1. Agreement to Terms

By accessing or using ChallengeMyRates ("we", "our", or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our services.

2. Services Provided

ChallengeMyRates provides business rates analysis, relief claiming, VOA challenges, and compliance support services. We offer:

  • Free property checks against VOA data
  • Subscription-based monitoring and case management
  • Relief claim submissions to local councils
  • VOA Check and Challenge support (Standard and Premium tiers)
  • Duty to Notify compliance handling

We act as your agent when submitting challenges and claims, but we are not a law firm and do not provide legal advice.

3. Subscription Terms

3.1 Pricing and Payment

  • Subscription tiers are based on your property's savings potential
  • Annual subscriptions are billed upfront
  • Monthly subscriptions auto-renew unless cancelled
  • Payments are processed securely via Stripe
  • All prices are in GBP and exclude VAT where applicable

3.2 Cancellation and Refunds

  • You may cancel your subscription at any time via your account dashboard
  • Cancellations take effect at the end of the current billing period
  • We offer a 90-day money-back guarantee if we cannot identify genuine savings (see section 4)
  • No refunds for partial months or used services

3.3 Renewals

Annual subscriptions auto-renew unless you cancel at least 7 days before the renewal date. We will send a renewal reminder 14 days before your renewal date.

4. Money-Back Guarantee

If we cannot identify genuine savings opportunities within 90 days of your subscription starting, you are entitled to a full refund. To claim:

  • Contact us within 90 days of your subscription start date
  • Provide evidence you have provided all requested property information
  • We will review your case and issue a refund if no genuine savings were identified

This guarantee does not apply if you have not cooperated with our requests for information or if your property has already been optimized through previous challenges.

5. Your Obligations

You agree to:

  • Provide accurate and complete information about your property
  • Respond to our requests for documentation in a timely manner
  • Not share your account credentials with others
  • Notify us promptly of any changes to your property that may affect your rates
  • Comply with all applicable laws and regulations
  • Not use our services for fraudulent or unlawful purposes

6. No Guarantee of Outcome

While we use best efforts to identify savings and submit strong challenges, we cannot guarantee specific outcomes. Business rates valuations and challenges are ultimately determined by the VOA and the Valuation Tribunal.

Estimated savings shown on our platform are indicative only and based on analysis of VOA data and comparable properties. Actual results may vary.

7. Limitation of Liability

To the maximum extent permitted by law:

  • We are not liable for any indirect, incidental, or consequential damages
  • Our total liability is limited to the amount you paid in the preceding 12 months
  • We are not liable for delays or failures caused by circumstances beyond our control
  • We are not responsible for decisions made by the VOA, councils, or tribunals

Nothing in these terms excludes our liability for fraud, death, or personal injury caused by our negligence.

8. Intellectual Property

All content, trademarks, and intellectual property on our platform are owned by or licensed to ChallengeMyRates. You may not copy, reproduce, or distribute our content without permission.

9. Data Protection

We process your personal data in accordance with our Privacy Policy and applicable data protection laws (GDPR, UK Data Protection Act 2018).

10. Termination

We may suspend or terminate your access to our services if:

  • You breach these Terms of Service
  • You provide false or misleading information
  • Your payment fails or is disputed
  • We are required to do so by law

We will provide reasonable notice before terminating your account unless immediate termination is required.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or a notice on our website. Continued use of our services after changes constitutes acceptance of the new terms.

12. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact

For questions about these Terms, contact us at:
Email: hello@challengemyrates.co.uk
Address: ChallengeMyRates, Farthing Corner, West Tytherley, Salisbury, SP5 1NR