Terms of Service

These Terms of Service ("Terms") govern your use of Digital VAT UK, an online bookkeeping and VAT filing service for UK sole traders and small businesses, operated by [SOLE TRADER LEGAL NAME], trading as Digital VAT UK, of [REGISTERED/BUSINESS ADDRESS] ("Digital VAT UK", "we", "us", "our").

By creating an account or using the service, you agree to these Terms. If you don't agree, please don't use the service. If you have questions, contact us at [email protected].

Digital VAT UK helps you import and categorise bank transactions, prepare VAT returns, and submit them to HMRC under Making Tax Digital (MTD), with the help of an AI bookkeeping assistant. The service is provided on a subscription basis, with a free tier and paid tiers offering higher usage limits — see our pricing page for current plans and limits.

• You must be at least 18 years old and able to form a binding contract to use the service.
• You're responsible for keeping your login credentials secure and for all activity that happens under your account.
• You must provide accurate information when you register, and keep it up to date.
• We may ask you to enable two-factor authentication to help keep your account secure.

• Paid plans are billed in advance on a recurring basis (monthly, unless stated otherwise) via our payment processor, Stripe.
• You can upgrade, downgrade, or cancel your subscription at any time from Settings. Changes take effect at the start of your next billing period unless stated otherwise.
• Fees are non-refundable except where required by law.
• If a payment fails, we may suspend access to paid features until the balance is settled.
• We may change our pricing from time to time; we'll give you reasonable notice before any change takes effect on your account.

Digital VAT UK is a tool to help you prepare and submit your VAT returns — it is not a substitute for professional accounting or tax advice, and we are not a firm of accountants or tax advisers.

• You're responsible for the accuracy and completeness of the transaction, bookkeeping, and VAT data in your account, including anything imported from your bank or corrected using our AI advisor.
• You're responsible for reviewing any VAT return before you submit it to HMRC, and for the accuracy of the submission — submitting a return is your instruction to us to file it on your behalf.
• You're responsible for meeting HMRC's filing deadlines and for any penalties or interest HMRC charges as a result of late, inaccurate, or missing submissions.
• If you're unsure about a VAT treatment or filing position, you should seek advice from a qualified accountant or tax adviser.

You agree not to:

• Use the service for any unlawful purpose, or to submit false or fraudulent information to HMRC;
• Attempt to gain unauthorised access to the service, other users' accounts, or our systems;
• Interfere with or disrupt the service, or attempt to reverse engineer it;
• Use the service to send spam or malicious content, or to scrape or resell our data or AI outputs; or
• Share your account with others outside your own business.

We may suspend or terminate accounts that breach this section.

The service connects to third parties to work, including HMRC (for VAT submissions), an Open Banking provider (for bank connections), Stripe (for payments), and an AI processing provider (for categorisation and the AI advisor). Your use of these integrations is also subject to those providers' own terms, and their availability or accuracy is outside our control. See our Privacy Policy for more on how data is shared with these providers.

AI-generated categorisations, VAT calculations, and advisor responses are provided to assist you, but may be incomplete or inaccurate. You should review AI-suggested categorisations and any advice from the AI advisor before relying on it, and it should not be treated as a substitute for professional tax advice.

We and our licensors own all rights in the service, including its software, design, and branding. You retain ownership of your own business and transaction data. You grant us a licence to use that data solely to provide the service to you, as described in our Privacy Policy.

The service is provided "as is". To the extent permitted by law, we exclude all warranties not expressly stated in these Terms, and we don't guarantee the service will be uninterrupted, error-free, or that HMRC or third-party systems it depends on will always be available.

To the extent permitted by law, our total liability to you for any claim arising from your use of the service is limited to the amount you paid us in the 12 months before the claim arose. We don't exclude or limit liability for death or personal injury caused by our negligence, fraud, or anything else that can't be excluded by law.

You can close your account at any time from Settings. We may suspend or terminate your access if you breach these Terms, if we reasonably suspect fraudulent or unlawful use, or if required to do so by HMRC or another regulator. Where practical, we'll give you notice first.

We may update these Terms from time to time, for example as our service or legal obligations change. We'll update the "last updated" date above, and if the changes are significant, we'll notify you by email or an in-app notice. Continuing to use the service after changes take effect means you accept the updated Terms.

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

If you have any questions about these Terms, contact us at [email protected].