Terms of Service

Last updated: March 22, 2026  |  Governing law: England and Wales

These Terms of Service ("Terms") govern your use of the TaxSwipe mobile application ("Service") operated by FinMedTech ("we", "us", "our").

By creating an account or using TaxSwipe, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

By creating an account and using TaxSwipe, you confirm that:

• You are at least 18 years of age
• You are a UK sole trader or self-employed individual
• You have the legal capacity to enter into this agreement
• All information you provide is accurate and truthful

2. Description of Service

TaxSwipe is a mobile application designed to help UK sole traders and self-employed individuals:

• Import transactions via PDF bank statements, CSV files, or manual entry
• Categorise business expenses according to HMRC categories
• Calculate Income Tax and National Insurance contributions
• Submit quarterly Making Tax Digital (MTD) returns to HMRC
• Track tax liabilities and submission history

3. Tax and Accounting Disclaimer

You should consult a qualified accountant or tax professional for:

• Complex tax situations
• Tax planning and optimisation
• Disputes with HMRC
• Annual Self Assessment tax returns

AI Disclaimer

TaxSwipe uses AI (Anthropic Claude) to suggest expense categories. AI suggestions are not guarantees of correctness. You must review and approve all categorisations before submitting to HMRC. The AI has no knowledge of your complete tax situation.

4. User Responsibilities

4.1 Accurate Information

You are responsible for:

• Providing accurate personal information (name, email, National Insurance Number)
• Correctly categorising transactions as business or personal
• Reviewing all calculations before submitting to HMRC
• Ensuring all HMRC submissions are accurate and complete

4.2 Account Security

You must:

• Keep your account credentials secure
• Enable biometric authentication (Face ID/Touch ID) where available
• Notify us immediately of any unauthorised access
• Not share your account with others

4.3 Compliance

You agree to:

• Comply with all UK tax laws and HMRC regulations
• Use the Service only for lawful purposes
• Not attempt to circumvent security measures
• Not use the Service for fraudulent activities

5. Making Tax Digital (MTD) Compliance

TaxSwipe facilitates MTD compliance by:

• Storing digital records of income and expenses
• Submitting quarterly updates to HMRC via their API
• Maintaining submission history and HMRC references

However, you remain solely responsible for:

• Meeting all HMRC MTD requirements
• Submitting accurate quarterly returns
• Paying tax owed to HMRC on time
• Filing your annual Self Assessment tax return (separate from MTD quarterly updates)

6. Third-Party Services

6.1 HMRC Integration

By connecting to HMRC, you authorise TaxSwipe to:

• Access your HMRC Business Details
• Submit quarterly MTD updates on your behalf
• Retrieve submission history

You can disconnect from HMRC at any time via Settings.

6.2 Anthropic (AI Categorisation)

AI expense categorisation suggestions are provided by Anthropic Claude. AI suggestions are not guarantees of correctness. You must review and accept responsibility for all AI-assisted categorisations.

7. Fees and Payment

Some features of TaxSwipe may require a paid subscription. Payments are processed entirely by Apple (App Store) or Google (Play Store). We do not receive or store your payment card details. Subscription terms and pricing are displayed in the app before purchase.

8. Service Availability

We strive to provide reliable service, but we do not guarantee:

• Uninterrupted access to TaxSwipe
• Error-free operation
• Availability during HMRC maintenance windows
• Compatibility with all devices or operating systems

We reserve the right to modify, suspend, or discontinue the Service at any time.

9. Intellectual Property

TaxSwipe and all its contents (design, code, logos, trademarks) are owned by FinMedTech. You are granted a limited, non-exclusive, non-transferable licence to use the Service for personal, non-commercial purposes. You may not copy, modify, distribute, reverse engineer, or create derivative works based on TaxSwipe.

10. Limitation of Liability

To the fullest extent permitted by applicable law:

• We are NOT liable for incorrect tax calculations resulting from inaccurate data entry
• We are NOT liable for HMRC penalties or interest charges
• We are NOT liable for third-party service failures (HMRC API downtime, AWS service interruptions)
• We are NOT liable for incorrect AI categorisation suggestions
• Our total liability shall not exceed the fees you paid in the last 12 months (if applicable)

11. Data Retention and Deletion

You can delete your account at any time via Settings → Delete Account. Upon deletion:

• All personal data will be permanently deleted from our servers
• HMRC connection will be immediately disconnected
• All transaction data will be permanently deleted
• HMRC submission records may be retained for 6 years to comply with UK tax record-keeping requirements

12. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using TaxSwipe, you consent to the collection and use of your data as described in the Privacy Policy.

13. Termination

We may terminate or suspend your account if you violate these Terms, engage in fraudulent activity, provide false information, or we are required to do so by law. You may terminate your account at any time by using the Delete Account feature.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via the app. Continued use of TaxSwipe after changes take effect constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and FinMedTech regarding your use of TaxSwipe.

18. Contact

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

• Email: hello@finmedtech.co.uk
• Company: FinMedTech
• Website: finmedtech.co.uk

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