Terms of Use

1. Who we are

[Product Name] is operated by [Your Company Name], a company registered in [Jurisdiction] with company number [Company Registration Number] and registered address [Registered Address] (“we”, “us”, “our”).

You can contact us at: [Contact Email].

2. What the Service does (and doesn’t do)

[Product Name] helps you upload documents (such as bank statements, invoices, utility bills and similar records) and uses automated tools and third-party AI services to extract and summarise information (for example, potential tax-relevant figures).

The Service:

• may assist you in organising and understanding your data, but

• does not provide tax, accounting, legal, or financial advice, and

• does not file or submit any information to HMRC or other authorities.

You are solely responsible for:

• Checking the accuracy and completeness of any data or outputs produced by the Service.

• Deciding how to use that information in your tax returns or other filings.

• Seeking professional advice from an accountant, tax adviser, or lawyer where needed.

3. Eligibility

You may use the Service only if you:

• Are at least 18 years old; and

• Have the legal capacity to enter into a binding contract; and

• Are using the Service for lawful purposes.

If you use the Service on behalf of a business, you confirm that you have authority to bind that business to these Terms.

4. Your account and security

You are responsible for:

• Keeping your login details secure.

• All activities occurring under your account.

If you believe your account has been compromised, you must notify us immediately at [Contact Email].

We may suspend or terminate access if we reasonably believe your account has been misused, compromised, or used in breach of these Terms.

5. Your content and data

5.1 Ownership

You retain all rights in the documents and data you upload (“Your Content”).

By uploading Your Content, you grant us a non-exclusive, worldwide, revocable licence to use, store, process, and display Your Content solely for the purpose of operating, improving, and providing the Service to you, as described in our Privacy Policy.

We do not claim ownership over Your Content.

5.2 Your responsibilities

You confirm that:

• You have all necessary rights, permissions, and consents to upload Your Content and to use it with the Service.

• Your Content does not violate any applicable law, any third-party rights (including privacy, confidentiality, or intellectual property rights), or these Terms.

You must not upload or use the Service for:

• Illegal or fraudulent activities.

• Money laundering, sanctions evasion, or tax evasion.

• Malicious software, viruses, or scripts.

• Content that is defamatory, discriminatory, or otherwise unlawful.

6. Use of AI and third-party services

To provide the Service, we may use third-party providers (for example, hosting, database, analytics, and AI model providers such as OpenAI or similar).

This may involve sending Your Content or derived data to such providers, who process it on our behalf under appropriate contractual and data protection safeguards. For more details, see our Privacy Policy.

We do not guarantee that AI-generated outputs will be correct, complete, or suitable for any particular purpose.

7. Acceptable use

You agree not to:

• Access the Service using automated means (bots, scrapers) except as expressly permitted by us.

• Attempt to reverse engineer, decompile, or otherwise derive source code from the Service.

• Interfere with, disrupt, or attempt to gain unauthorised access to the Service, user accounts, or services connected to it.

• Resell, sublicense, or otherwise provide the Service to third parties without our prior written consent.

We may monitor usage to prevent abuse and to ensure stability and security.

8. Fees and payment (if applicable)

The Service is currently provided without charge as part of a limited beta and we reserve the right to introduce fees in the future.

If we charge fees:

• Pricing and billing terms will be published on [Your Website URL] or presented during signup.

• All fees are payable in full and in advance, unless stated otherwise.

• We may change pricing by giving you reasonable notice; continued use after changes take effect constitutes acceptance of the new pricing.

9. Intellectual property rights

All intellectual property rights in the Service, including software, design, logos, and content (excluding Your Content), are owned by us or our licensors.

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Service for your own internal business or personal purposes in accordance with these Terms.

You may not copy, modify, distribute, sell, or lease any part of the Service except as expressly allowed by these Terms or applicable law.

10. Service availability and changes

We aim to keep the Service available and functioning, but we do not guarantee:

• That the Service will be uninterrupted or error-free; or

• That any specific feature will continue to be available.

We may:

• Modify, update, or remove features.

• Suspend or discontinue parts of the Service.

• Apply maintenance or security updates.

Where feasible, we will provide reasonable notice of material changes.

11. Disclaimer of warranties

To the fullest extent permitted by law, the Service is provided on an “as is” and “as available” basis.

We expressly disclaim all warranties, whether express, implied, or statutory, including but not limited to:

• Fitness for a particular purpose

• Merchantability

• Non-infringement

• Accuracy or reliability of outputs or analysis

You are solely responsible for verifying all outputs and for any decisions you make based on them.

12. Limitation of liability

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited by law (for example, liability for death or personal injury caused by negligence, or fraud).

Subject to the above:

• We shall not be liable for any indirect, consequential, or special losses, including loss of profit, revenue, data, or business.

• Our total aggregate liability to you arising out of or relating to the Service and these Terms shall not exceed the greater of:

• The total fees you have paid to us for the Service in the 12 months before the event giving rise to the claim; or

• £100 if you use a free version of the Service.

13. Termination

You may stop using the Service at any time and may request deletion of your account by contacting us at [Contact Email].

We may suspend or terminate your access to the Service immediately if:

• You breach these Terms;

• We are required to do so by law or a regulator; or

• We decide to discontinue the Service.

Upon termination:

• Your right to access and use the Service ends.

• We may retain or delete Your Content in line with our Privacy Policy and legal obligations.

14. Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of England and Wales.

You and we agree that the courts of England and Wales shall have exclusive jurisdiction, except that we may bring proceedings in any other jurisdiction to protect our rights.

15. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top and, where appropriate, notify you by email or via the Service.

If you continue to use the Service after the updated Terms take effect, you will be deemed to have accepted them.

16. Contact

If you have any questions about these Terms, please contact us at:

[Contact Email]
[Your Company Name]
[Registered Address]