Terms of Service

By accessing or using Margin you agree to be bound by these Terms of Service ("Terms"). Please read them carefully. If you do not agree, do not use the Service.

1. The Service

Margin provides financial management tools including invoicing, bookkeeping, bank reconciliation, payroll, VAT returns, and tax reporting for UK businesses. The Service is provided for legitimate business accounting purposes only.

2. Account & Access

• You must be at least 18 years old and have the legal authority to act on behalf of the business entity you register.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• You must notify us immediately at hello@getmargin.co.uk of any suspected unauthorised access.
• One account per business entity unless a multi-entity arrangement has been agreed in writing.

3. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose, including money laundering, fraud, or tax evasion.
• Attempt to reverse-engineer, decompile, or extract the source code of the Service.
• Introduce malware, viruses, or any harmful code into the Service.
• Resell or sublicense access to the Service without prior written consent.
• Use automated scripts to scrape or bulk-extract data beyond your own business records.
• Impersonate any person or entity or misrepresent your affiliation with a business.

4. Subscriptions & Payment

Paid plans are billed monthly or annually in advance, stated in GBP and exclusive of VAT unless noted. Subscriptions renew automatically until cancelled. Cancellation takes effect at the end of the current billing period — no refunds are issued for partial periods. We reserve the right to change pricing with 30 days' prior notice.

5. Free Trial

Where a free trial is offered, it begins on the date you activate a paid plan. At the end of the trial, you will be charged at the applicable subscription rate unless you cancel before the trial ends. No payment details are required to register initial interest.

6. HMRC Submissions

Margin facilitates submissions to HMRC on your behalf (MTD VAT, RTI/FPS, ITSA). You remain solely responsible for the accuracy of all figures submitted. Margin does not provide accountancy, tax, or legal advice. Always verify all submissions with a qualified accountant before filing.

7. Limitation of Liability

To the fullest extent permitted by law, Margin shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits, loss of data, or penalties imposed by HMRC, arising from your use of the Service. Our aggregate liability for any claim shall not exceed the total fees paid by you in the 12 months preceding the claim.

8. Intellectual Property

All software, trademarks, and content forming part of the Service are owned by or licensed to us. Your data remains your property at all times. We do not claim ownership over any financial data you input into the Service.

9. Termination

Either party may terminate the agreement at any time. On termination you may export your data in CSV or JSON format. We will retain your data for 30 days after termination to allow retrieval, after which it will be securely deleted, unless legal obligations require longer retention.

10. Modifications

We reserve the right to modify these Terms at any time. We will provide at least 14 days' notice of material changes by email. Continued use of the Service after the effective date of changes constitutes acceptance.

11. 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.

12. Contact

For any questions about these Terms, contact us at hello@getmargin.co.uk.