Terms of service.

1. Introduction

1. 1.1These terms apply between you, the user of this website and service, and Prodro Group Limited trading as Swiftmore, which owns and operates them.
2. 1.2Please read them carefully. They affect your legal rights. You are treated as agreeing to them when you first use the service. If you do not agree to them, stop using the service.
3. 1.3You must be 18 or over to use Swiftmore. By using it you confirm that you are.
4. 1.4Swiftmore is software. We are not a firm of accountants or tax advisers, and nothing in the service is professional tax advice. The service helps you keep records and submit a Self Assessment return to HMRC. It is not a substitute for advice about your own circumstances, and you should take that advice separately where your affairs are complex or you are unsure.
5. 1.5We are not responsible for dealing with HMRC on your behalf beyond making the submissions you instruct us to make. Correspondence about your records, your submissions or any enquiry into them is between you, or an agent you appoint, and HMRC.
6. 1.6You are a Business User if you use Swiftmore in connection with a trade, profession or property business, including as a sole trader or landlord. You are a Personal User if you use it in a purely personal capacity. Where a clause applies differently to each, we say so.
7. 1.7The free tools, checkers, glossary and guides on this website are general information for the tax year they state. They are not advice about your own position, they run in your browser and save nothing, and they may be overtaken by a Budget or a change in HMRC’s rules before we update them. Do not rely on them alone for a decision with money attached; the return you file through the service is prepared from your own records and checked by you.

2. Your responsibilities

Swiftmore prepares and submits what you tell it. The figures remain yours.

1. 2.1You are responsible for the accuracy and completeness of the information you enter or import, including lines read from an uploaded bank statement or receipt.
2. 2.2You are responsible for reviewing your return before you submit it. Nothing is sent to HMRC without you pressing submit.
3. 2.3You are responsible for meeting your own filing and payment deadlines. Swiftmore shows the dates that apply to you and will remind you, but a reminder is a courtesy and not a guarantee. Penalties HMRC charges for late or inaccurate submission remain yours, except as set out in clause 9.
4. 2.4You are responsible for determining whether Making Tax Digital for Income Tax applies to you and from when. Our checker gives general information, not a ruling on your position.
5. 2.5You are responsible for keeping your login details confidential and for activity carried out under your account. Tell us immediately if you think someone else has access.
6. 2.6You must keep your contact details current so that we can reach you about deadlines, submissions and your account.

3. Accountants, practices and other authorised people

1. 3.1You may give an accountant, bookkeeper or other person copies of your records and exports. There is no charge for exporting.
2. 3.2Anyone you share your records with acts on your instructions, not ours. Sharing does not make them our agent or us theirs.
3. 3.3If an authorised person submits to HMRC on your behalf, that submission is treated as yours.
4. 3.4An accountancy or bookkeeping practice may use Swiftmore on behalf of its clients under a separate Practice Licence Agreement with us. If your practice does, your records are held in the practice’s account; the practice is responsible to you for the work, holds the authority to act for you with HMRC, and is the data controller for your records, with us processing them on its instructions under our Data Processing Addendum. Questions about your file go to the practice first; concerns about the security of your data can also come to us.
5. 3.5A practice that uses Swiftmore for its clients is a Business User of the service, and the Practice Licence Agreement prevails over these terms where the two differ.

4. Your account

1. 4.1You may close your account at any time from your account settings, or by contacting us.
2. 4.2We may suspend or close your account without notice if you breach these terms, if we believe the account is being used unlawfully, or if we are required to by law. Where we can tell you why, we will.
3. 4.3If we suspend an account for a suspected security problem, we will tell you and help you regain access. We may require you to change your password, and may end any session we believe is not yours, before access is restored.

5. Intellectual property and permitted use

1. 5.1Everything in the service other than what you put into it belongs to us or to our licensors: the software, the design, the written content and the Swiftmore name and marks.
2. 5.2Your records, transactions and returns belong to you. We use them only to provide the service to you and as described in our privacy policy.
3. 5.3We grant you a non-exclusive, non-transferable, revocable licence to use the service for your own, or your business’s, tax affairs, or, where you have accepted the Practice Licence Agreement, for the tax affairs of the clients your practice acts for.
4. 5.4You may not copy, resell, reverse-engineer or build a competing product from the service. You may not use it to provide filing or record-keeping services to third parties except under the Practice Licence Agreement, which is the written agreement for that use.

6. Acceptable use

1. 6.1You must not use Swiftmore to submit information you know or suspect to be false, or to do anything unlawful.
2. 6.2You must not interfere with the service, attempt to gain access to accounts or data that are not yours, or place unreasonable load on the system.
3. 6.3You must not upload anything that infringes someone else’s rights or contains malicious code.

7. Availability

1. 7.1The service is provided as it is and as available. We work to keep it accurate, secure and running, but we do not warrant that it will be uninterrupted or free from error.
2. 7.2Parts of the service depend on systems we do not control, including HMRC’s filing interfaces. Where those are unavailable, Swiftmore may be unable to submit. We will tell you what we know when this happens.
3. 7.3Because of clause 7.2, do not leave a submission to the final hours before a deadline. We cannot guarantee HMRC will accept a submission at any given moment.
4. 7.4We may change, suspend or withdraw parts of the service. Where a change materially reduces what you have paid for, we will tell you in advance and offer a proportionate refund.

8. Liability

1. 8.1Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited. If you are a Personal User, nothing here limits your rights under the Consumer Rights Act 2015.
2. 8.2Subject to 8.1, our total liability to you for all claims connected with the service is capped. The cap is the greater of £100 or the fees you paid us in the twelve months before the event giving rise to the claim.
3. 8.3Subject to 8.1, if you are a Business User, we are not liable for loss of profit, revenue, anticipated savings, business, goodwill or opportunity, or for indirect or consequential loss.
4. 8.4Except under the accuracy guarantee in clause 9, we are not liable for penalties, interest or additional tax arising from information you provided that was inaccurate or incomplete, from a submission you approved, or from a deadline you missed.
5. 8.5We are not liable for failures caused by events outside our reasonable control.

9. Price, refunds and the accuracy guarantee

1. 9.1Keeping records in Swiftmore is free, for as long as you like, with no payment details taken.
2. 9.2The Self Assessment return is £99 including VAT, paid once for the tax year it covers, when you choose to file. The price is the same whenever in the filing window you file.
3. 9.3Payment is taken by our payment provider, Stripe. Your card details go to Stripe and are not held by us. The payment itself is also subject to Stripe’s terms, which you see when you pay.
4. 9.4If you are a Personal User you have a statutory right to cancel a distance contract within 14 days. Where you ask us to file within that period and we do, the right to cancel is lost for that return. We make this clear before you pay.
5. 9.5Once a return has been submitted to HMRC, the £99 is not refundable except under clause 9.6, because the service has been performed. If you have paid and not yet submitted, contact us and we will refund you.
6. 9.6If we change the price, the new price applies to returns paid for after the change. We will say so on this site at least 30 days before.
7. 9.7Accuracy guarantee. If HMRC finds an error in a return Swiftmore prepared, and the error comes from our calculation rather than from information you gave or an answer you approved, we refund the £99 for that return in full. We also prepare and file the amendment at no charge. Tell us within twelve months of filing. The guarantee does not cover errors in the information you gave, answers you approved that were wrong, or penalties for late filing or late payment.

10. Your records: keeping, exporting and deleting

HMRC requires you to keep records for at least five years after the 31 January deadline for the tax year concerned. That obligation is yours, not ours. These clauses set out how we make sure you can meet it.

1. 10.1You can export everything at any time. An export contains your transactions and categories as spreadsheet files, each submission and its HMRC receipt as a PDF, and a list of what the export covers.
2. 10.2While your account keeps paying, by buying a Single return for the current tax year or holding a subscription, we keep each tax-year file for seven years after that tax year's 31 January filing deadline, longer than HMRC's five, and remove it on the following 1 March.
3. 10.3If your account is not paying for a return or a subscription, we keep each tax-year file for a year's grace instead: a year after its filing deadline, or a year after the deadline of your last paid tax year if that is later, and then remove it the month after. Buying a return for a later tax year, or subscribing, puts every file back on the seven-year rule.
4. 10.4Before a file is removed under either rule we email the account owner six months, a month and a week beforehand, and once more when it has gone, so there is always time to export it.
5. 10.5If you close your account, we make an export available and keep your data for 30 days so you can download it. After that we delete it.
6. 10.6If a free account has not been used for 24 months, we will contact you twice and give you at least 30 days to export before deleting it. Signing in resets this.
7. 10.7You can ask us to delete your data at any time and we will. We will offer you an export first, but we will not make it a condition. Deleting your Swiftmore data does not remove anything already submitted to HMRC, and does not discharge your own duty to keep records.
8. 10.8We may keep limited information for longer where the law requires it. Our privacy policy sets out what and for how long.

11. Privacy

1. 11.1Our privacy policy and cookie policy form part of these terms. They explain what we collect, why, and what rights you have.
2. 11.2For a practice using the service for its clients, the Practice Licence Agreement and the Data Processing Addendum also apply and are published on this site.

12. General

1. 12.1You may not transfer your rights under these terms to anyone else. We may transfer ours where doing so does not affect your rights.
2. 12.2We may change these terms. If a change materially affects you, we will tell you at least 30 days beforehand and you may close your account without penalty if you do not accept it. Minor changes take effect when published.
3. 12.3These terms, with the privacy policy and cookie policy, and for a practice the Practice Licence Agreement and Data Processing Addendum, are the whole agreement between us about the service. If any part is found unenforceable, the rest continues to apply. A delay in enforcing a right is not a waiver of it.
4. 12.4These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction. If you are a Personal User living elsewhere in the UK, you may bring proceedings in your own jurisdiction.
5. 12.5If something goes wrong, contact us first and we will try to put it right.

Who we are

• Prodro Group Limited, trading as Swiftmore
• Registered in England and Wales, company number 17268651
• Registered address: 71 to 75 Shelton Street, London, WC2H 9JQ
• Contact: hello@swiftmore.co.uk