Terms & Conditions

1. Who you are contracting with

MySalaryPal (the "Service") is operated by Gary Curran, an individual based in Ireland trading as MySalaryPal ("we", "us", "our"). We intend to transfer the Service to an Irish limited company; if that happens we will update these Terms and notify account holders. By creating an account or using the Service you ("you", "the user") agree to these Terms.

2. The Service

MySalaryPal reads the payslips your existing payroll software or bureau already produces and layers checks, dashboards and reporting on top of them. Individuals can upload payslips and view plain-English explanations; employers can run pre-payday accuracy and anomaly checks, view departmental labour costs, generate statutory filing files, and deliver payslips to employees through a branded portal. MySalaryPal is not a payroll bureau, payroll processor, tax agent or accountant. It does not calculate your payroll, pay your people, or file on your behalf, and it does not replace BrightPay, Sage or any other payroll system you run. Features may change as the product evolves.

3. Account & accuracy

You must provide accurate information, keep it up to date, and keep your login credentials confidential. You are responsible for activity under your account. If you sign up on behalf of an organisation, you confirm you have authority to bind it.

4. Acceptable use

You agree not to misuse the Service, including by: (a) using it for unlawful, fraudulent, or abusive purposes; (b) infringing intellectual property or privacy rights; (c) uploading malware, probing or attacking our systems; (d) scraping or reverse-engineering the Service; or (e) reselling or redistributing access.

5. Intellectual property

We retain all rights, title and interest in the Service, including the software, branding, and documentation. You are granted a limited, non-exclusive, non-transferable right to use the Service in line with your selected plan. You retain ownership of payslip data you upload, and grant us a limited licence to host and process it solely to provide the Service.

6. AI-generated explanations

The Service uses AI to interpret payslip data. Outputs may be inaccurate or incomplete and are provided for general informational purposes only. They are not financial, tax, legal, or professional advice. Always verify figures against your official payslip and consult a qualified professional for advice. You are responsible for how you use any outputs.

7. Pay transparency features (EU Directive 2023/970)

Employer plans include tooling for the EU Pay Transparency Directive: publishing pay ranges in job vacancies and recording that pay history is not requested (Art. 5); publishing pay-setting and pay-progression criteria (Art. 6); receiving, tracking and answering worker requests for their individual pay level and the average pay levels, broken down by sex, for workers doing the same work or work of equal value, within the two-month deadline, together with the annual notice of that right and the confirmation that pay-secrecy clauses have been removed (Art. 7); generating and registering gender pay-gap reports from recorded hours, bonus and benefit-in-kind data with submission, publication and worker-representative records (Art. 9); and opening, documenting and closing joint pay assessments where a category shows an unjustified gap of 5% or more (Art. 10).

The Service also supports the enforcement and remedy provisions: recording objective, gender-neutral justification factors and supporting evidence against pay differences and joint pay assessments (Arts. 12–13, 16); exporting timestamped evidence bundles for use in proceedings and in response to disclosure requests (Art. 18); placing legal holds that suspend automated retention purges for the claim window (Arts. 22–23); a confidential worker channel for reporting victimisation or detriment, with administrator triage (Art. 24); and a monitoring-body submission register with headcount-driven reporting cadence and country defaults (Arts. 25 and 29).

These features help you meet those obligations but do not transfer them. The employer remains the responsible party for the accuracy of the underlying data, the objectivity of the criteria and justifications it records, the decision to release any answer or report, and for filing with its national monitoring body. Outputs are generated from the payslip and workforce data you supply and are not legal advice. MySalaryPal does not warrant compliance with the Directive or its national implementations, which each member state transposes separately.

Worker requests and victimisation reports are handled by your organisation's administrators, not by us. Where pay data would identify an individual worker, you are responsible for applying any suppression or aggregation required by your national implementing law before releasing it.

8. Accuracy checks, anomaly alerts and reconciliation

The Service re-checks payslip figures (for example that gross less deductions equals net), compares each person's pay against their own recent history, and flags results that look unusual. These are indicators for human review, not verdicts. A clear result does not mean a payslip is correct, and a flag does not mean it is wrong. Detection depends entirely on the quality and completeness of the payslip data you supply, and on correct extraction of that data.

Reconciliation compares figures we extracted against a document you upload. Differences shown are informational. You remain solely responsible for reviewing, approving and paying your payroll, and for correcting any error before or after payday.

9. Statutory filing exports

Employer plans can generate files in the formats used by national authorities, including Revenue (Ireland) payroll submissions, HMRC (UK) RTI, ELSTER (Germany), DmfA (Belgium) and DSN (France). MySalaryPal generates files only. It does not connect to, transmit to, or submit anything to any tax authority on your behalf, and it is not an approved or accredited filing agent for any authority. You are responsible for reviewing each file, correcting any warnings raised (such as missing PPSN, National Insurance or employer registration numbers), submitting it through the authority's own channel, and for the accuracy, completeness and timeliness of that submission. Penalties, interest or corrections arising from a filing remain your responsibility.

10. Payments, subscriptions, refunds

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax, cancellation and refund mechanics are governed by Paddle's Checkout Buyer Terms and our Refund Policy.

11. Service level & warranties

We work hard to keep the Service reliable but do not guarantee it will be uninterrupted, error-free, or secure against every threat. To the fullest extent permitted by law, we disclaim all implied warranties including merchantability and fitness for a particular purpose. Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law.

12. Liability

To the maximum extent permitted by law, our total aggregate liability under these Terms is capped at the fees you paid us in the 12 months preceding the claim. We are not liable for indirect, consequential or special damages, including loss of profits, data or goodwill. Nothing in these Terms limits liability for fraud, death or personal injury caused by negligence where such limitation is not permitted by law.

13. Suspension & termination

We may suspend or terminate your access for material breach, non-payment, suspected fraud or security risk, or repeated/serious policy violations. You may stop using the Service at any time. On termination, you may request export of your data for up to 30 days following termination, after which it may be deleted or anonymised.

14. Governing law

These Terms are governed by the laws of Ireland. The courts of Ireland have exclusive jurisdiction over any disputes, subject to your mandatory consumer rights in your country of residence.

15. Contact

Questions about these Terms? Email hello@mysalarypal.com.