Terms & Conditions

1. Agreement to These Terms

By creating an account, logging in, or otherwise using SimpleTaxFlow (the “Service”), you (“you” or “User”) confirm that you have read, understood, and agree to be bound by these Terms & Conditions (“Terms”), our Privacy Policy, and our Acceptable Use Policy.

If you do not agree to these Terms, you must not use the Service.

We may update these Terms from time to time. We will notify you of material changes by email or by prominent notice within the Service. Continued use after the effective date constitutes acceptance of the revised Terms. The current version and date are shown above.

2. About SimpleTaxFlow

SimpleTaxFlow is Making Tax Digital (“MTD”) compatible software that enables self-employed individuals and landlords to:

• Record income and expenses via WhatsApp and web dashboard
• Submit quarterly updates under MTD for Income Tax Self Assessment (“MTD ITSA”)
• Submit Business Source Adjustable Summaries (“BSAS”)
• Trigger and review HMRC tax calculations
• Submit a Final Declaration to crystallise tax liability
• Declare certain additional income types (such as bank interest, UK dividends, and PAYE employment/pension income)

SimpleTaxFlow is authorised software under HMRC’s Making Tax Digital programme.

SimpleTaxFlow is not:

• A tax agent
• An accountant
• A regulated financial adviser
• A payment services provider

Nothing in the Service constitutes tax, legal, or financial advice.

The Service does not hold client funds, initiate payments, or provide payment services.

You remain solely responsible for the accuracy, completeness, and timeliness of all information submitted to HMRC.

Some income types and tax adjustments may fall outside the current scope of the Service (for example, foreign income, capital gains, or certain relief claims). Where applicable, the Service may notify you and direct you to HMRC Online Services or compatible software. You are responsible for ensuring all required income and adjustments are declared before submitting your Final Declaration.

3. HMRC Authorisation

To use HMRC integration features, you must grant SimpleTaxFlow authorisation via HMRC’s OAuth 2.0 authorisation flow (“HMRC Authorisation”).

By granting HMRC Authorisation, you confirm that:

• You authorise SimpleTaxFlow to submit data to HMRC as directed by you
• You review and approve all submissions before confirmation
• Submissions made through the Service have the same legal effect as submissions made directly to HMRC
• You may revoke authorisation at any time via your HMRC account or Service settings

SimpleTaxFlow acts as software only and does not act as your tax agent or intermediary providing advice.

Any penalties, surcharges, interest, or enforcement action arising from inaccurate, late, or incomplete submissions remain your responsibility.

4. Digital Record-Keeping Responsibility

The Service assists you in maintaining digital tax records in accordance with HMRC’s MTD requirements.

However:

• The Service does not guarantee that all required records have been captured
• The Service does not independently verify completeness
• You remain legally responsible for ensuring your digital records meet HMRC’s statutory requirements

You must maintain your own copies of financial records where required by law (currently at least 5 years from the 31 January following the relevant tax year).

5. User Responsibilities

You agree to:

• Provide accurate, complete, and up-to-date information
• Review all figures before confirming submission
• Declare all income sources (including those outside the Service scope)
• Keep login credentials secure
• Notify us immediately of unauthorised access
• Comply with HMRC deadlines and legal obligations
• Not submit knowingly false or misleading information

We may monitor usage patterns and submission activity to detect misuse, fraud, or regulatory breaches. We may report unlawful activity to HMRC or relevant authorities where legally required.

6. Subscription, Fees and Payment

Certain features require a paid subscription. Pricing is displayed on our website.

• All prices are in GBP and inclusive of VAT where applicable
• Subscriptions are billed in advance (monthly or annual)
• You authorise recurring charges
• We will provide at least 30 days’ notice of price increases
• Cancellation takes effect at the end of the billing period
• No refunds for unused portions unless required by law

If payment fails, access may be suspended until outstanding amounts are settled.

7. Service Availability and Third-Party Dependencies

We aim to provide a reliable and secure Service but do not guarantee:

• Continuous availability
• Error-free operation
• HMRC processing within a specific timeframe

The Service depends on third-party infrastructure including:

• HMRC APIs
• WhatsApp (Meta Platforms)
• Google Cloud infrastructure
• Supabase database services
• Other hosting and integration providers

We are not liable for outages, delays, or failures caused by third-party systems beyond our reasonable control.

8. AI and Automated Categorisation

The Service may use automated systems to categorise transactions and generate indicative tax estimates.

AI-driven categorisation is provided as an assistive tool only. Automated outputs:

• Do not constitute professional advice
• Do not produce legally binding effects
• Must be reviewed and confirmed by you before submission

The Service does not independently verify tax treatment or completeness of transaction data.

9. Data and HMRC Submissions

Your use of the Service is governed by our Privacy Policy.

When submitting data to HMRC, information may include:

• National Insurance number
• HMRC identifiers
• Income and expense figures
• Fraud prevention header information required by HMRC

You remain responsible for ensuring submitted information is accurate.

10. Limitation of Liability

To the fullest extent permitted by law:

Our total aggregate liability shall not exceed the greater of:

• (a) the total fees paid by you in the 12 months preceding the claim; or
• (b) £100.

We exclude liability for:

• Loss of profit, revenue, or goodwill
• Loss of data
• Indirect or consequential loss
• HMRC penalties, surcharges, or interest
• AI categorisation errors
• Failures in third-party systems

Nothing excludes liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded under English law

11. Indemnity

You agree to indemnify and hold harmless Infuzest Ltd from claims arising from:

• Your breach of these Terms
• Inaccurate or false submissions
• Your violation of applicable law

12. Suspension and Termination

We may suspend or terminate access if:

• You breach these Terms
• Fraud or misuse is suspected
• Required by law or HMRC
• Payment remains outstanding

You may close your account at any time.

Account closure does not cancel pending submissions or remove your statutory tax obligations.

We retain data for the minimum period required by law before deletion.

13. Force Majeure

We shall not be liable for failure or delay caused by events beyond our reasonable control, including regulatory changes, API unavailability, infrastructure outages, cyberattacks, natural disasters, or other force majeure events.

14. Complaints

Complaints should be directed to: support@simpletaxflow.com

We aim to acknowledge complaints within 2 business days and resolve them within 20 business days.

SimpleTaxFlow is not covered by the Financial Ombudsman Service. Disputes relating to tax outcomes should be directed to HMRC.

15. Governing Law

These Terms are governed by the laws of England and Wales.

Disputes are subject to the exclusive jurisdiction of the courts of England and Wales, unless you are a consumer resident in Scotland or Northern Ireland, in which case you may bring proceedings in your local courts.

16. General

• Entire Agreement. These Terms, Privacy Policy, and Acceptable Use Policy constitute the entire agreement.
• Severability. If any provision is unenforceable, the remainder remains effective.
• Waiver. Failure to enforce rights does not constitute waiver.
• Assignment. We may assign these Terms to a successor entity. You may not assign without consent.