Terms of Service

1. About Finpliq

Finpliq is a financial management and HMRC filing platform operated by TA&T Ltd, a company registered in England and Wales. By using Finpliq, you agree to these terms.

Finpliq is a software tool, not a regulated financial adviser. The figures, calculations, and estimates Finpliq produces (including tax reserves, VAT positions, and payroll calculations) are for guidance only. You remain responsible for the accuracy of your filings and for taking professional advice where appropriate.

2. Your account

• You must be at least 18 years old and a UK resident or operating a UK business to use Finpliq.
• You are responsible for keeping your login credentials secure.
• You must provide accurate information when setting up your account and keep it up to date.
• One account may be used for multiple businesses. Each business is subject to the plan limits described at finpliq.com/pricing.

3. The service

Finpliq provides:

• Automated bank transaction import and categorisation.
• Financial reports (P&L, Balance Sheet, VAT summary, SA103F mapping, Trial Balance).
• Invoicing and payment tracking.
• Payroll calculation and RTI submission to HMRC.
• Direct HMRC filing for VAT (MTD), CIS, and payroll (FPS/EPS).
• Accountant pack generation and CA review coordination.

We reserve the right to modify, suspend, or discontinue any feature with reasonable notice.

4. HMRC submissions

When you instruct Finpliq to submit a return to HMRC (VAT, CIS, payroll FPS, MTD ITSA), you confirm that the data is accurate and complete to the best of your knowledge. You remain legally responsible for the returns filed on your behalf. Finpliq is not liable for penalties arising from inaccurate data you have provided.

Government Gateway credentials you provide for payroll RTI are stored encrypted and used solely to authenticate submissions on your instruction.

5. CA services

The CA add-on services (monthly review, year-end pack review, full accounts filing, consultations) are provided by Chartered Accountant professionals. These services are subject to separate engagement terms agreed at the time of booking. CA services are professional services, not software features, and are priced separately from your Finpliq subscription.

6. Payment and billing

• Subscriptions are billed monthly in advance. Prices are shown at finpliq.com/pricing.
• The free trial (where offered) gives full Core plan access for 14 days with no card required.
• Additional businesses are charged at £15/month each beyond the plan's included allowance.
• You may cancel at any time. Cancellation takes effect at the end of the current billing period. No refunds for partial periods.
• We reserve the right to change pricing with 30 days notice. You may cancel if you do not accept the new pricing.

7. Acceptable use

You must not use Finpliq to:

• Submit false or fraudulent information to HMRC.
• Access another user's account without authorisation.
• Attempt to reverse-engineer or extract proprietary technology from the platform.
• Use the service for any unlawful purpose.

8. Intellectual property

Finpliq and its content are owned by TA&T Ltd. Your data remains yours. We claim no ownership over your business data, transactions, or filings.

9. Limitation of liability

To the fullest extent permitted by law, TA&T Ltd is not liable for indirect, incidental, or consequential losses arising from your use of Finpliq, including HMRC penalties, missed deadlines, or inaccurate tax positions resulting from data you have provided. Our total liability in any 12-month period shall not exceed the amount you paid for the service in that period.

10. Governing law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact

For any questions about these terms, contact us at finpliq@taandt.com.