Terms of Service

The contracting party is Joel Zeal, trading as MTD for Landlords. These terms are provided for transparency. They must not be relied on as a substitute for legal advice. For questions or concerns, contact our legal team.

MTD for Landlords currently supports a staged in-year UK property workflow: • Create and maintain property and transaction records • Import supported CSV files and, when enabled, transactions through Open Banking • Categorise income and expenses with user review • Produce supported in-year UK property summaries and accountant exports • Allow a landlord to grant scoped bookkeeping access to an accountant or delegate This is a direct-taxpayer release. Accountant/delegate access is bookkeeping-only and cannot authorise HMRC OAuth or submit to HMRC. The authenticated taxpayer must perform any later supported HMRC action. Production HMRC filing is not currently available. Any HMRC connection or submission capability remains restricted to configured test environments or a later release that has HMRC production access and has passed the release gate. This release does not provide end-of-year business finalisation, BSAS adjustments, loss claims, tax-liability adjustments, non-mandated income, final calculation completion, or a final declaration. Users must complete those steps through another supported service, HMRC route, accountant, or tax adviser.

MTD for Landlords is independent software. It is not approved, recognised, accredited, certified, recommended, or endorsed by HMRC, and it does not currently hold production credentials or a confirmed software listing. References to HMRC or Making Tax Digital describe the intended workflow and public requirements; they do not imply affiliation. HMRC may change its APIs, guidance, eligibility decisions, deadlines, or approval processes.

The Service is a record-keeping and workflow tool. It does not provide tax, accounting, legal, investment, or financial advice. Summaries, estimates, category suggestions, readiness checks, reminders, and educational content can be incomplete or wrong. You remain responsible for checking records, obtaining advice where needed, determining whether MTD applies, meeting deadlines, and completing every unsupported or end-of-year step.

You must be at least 18 and legally able to contract. Provide accurate information, keep credentials and devices secure, use multi-factor authentication when offered, and notify us promptly of suspected unauthorised access. Do not share a personal login. Use the product's delegation features so access can be scoped and revoked. We may require identity or authority checks before sensitive support, export, or deletion actions.

You retain responsibility for the accuracy, completeness, ownership share, accounting basis, dates, categories, and tax treatment of records. Automated suggestions require review. An in-app “ready” or completed state means only that the listed product checks passed; it is not a legal eligibility or filing determination. No HMRC submission may be sent without an authenticated, explicit user confirmation showing the period and figures. A draft, queued request, local success state, or email is not evidence of HMRC acceptance. Only a verified HMRC response and stored receipt can support that status.

A landlord may grant an accountant or delegate read-only or editing access. In this declared release, that access is bookkeeping-only: the direct taxpayer remains responsible for HMRC connection and any supported submission, and no HMRC agent persona is provided. Accountants may process client data only with proper client authority and within the granted scope. The final terms must include or link an approved data-processing agreement and define controller, processor, confidentiality, professional, offboarding, and client-rights responsibilities. Until that review is complete, professional client-data processing is an early-access capability and a production release blocker.

The Service depends on providers including Supabase, Vercel, Stripe, Resend, HMRC, TrueLayer, OpenAI, PostHog, Sentry, Crisp, Upstash, and other configured infrastructure. Third-party terms and privacy notices may also apply. Provider availability, bank coverage, OAuth consent, API behavior, and data retention are outside our complete control. We may disable an integration that is unsafe, unavailable, not externally authorised, or outside the declared product scope.

You must not: • Break the law, submit information you know is false or fraudulent, or infringe another person's rights • Access another account or client without authority, bypass access controls, probe production systems, or interfere with availability • Upload malware, secrets, unnecessary special-category data, or data you are not entitled to process • Extract, resell, or automate the Service in a way that breaches documented limits or third-party terms • Use HMRC, Crown, provider, or product branding in a misleading way Good-faith security research must follow a published vulnerability-reporting process once available.

Displayed prices, billing intervals, trial length, included limits, VAT treatment, and renewal date must be confirmed before purchase. Stripe processes payments. Unless the checkout says otherwise, a paid subscription renews for the selected interval until cancelled. Cancellation is intended to take effect at the end of the current paid period. Access may be paused when a trial or paid entitlement ends. Statutory cancellation, refund, cooling-off, unfair-terms, and consumer-information rights cannot be excluded. The final wording, trial conversion, failed-payment process, price-change notice, refunds, and business-versus-consumer treatment require legal review before paid production use.

You retain rights in the records you provide. You grant the operator a limited right to host, process, transmit, and back up those records to provide, secure, and support the Service. The Privacy Notice explains current processing and known gaps. The in-product JSON export is not yet guaranteed to include every provider copy or every data category. Account deletion attempts to remove local user-owned data and revoke Open Banking access, but HMRC, Stripe, backups, security logs, and other controllers or providers can have separate retention duties. Do not delete records that you are legally required to retain without first arranging a lawful export or alternative record-keeping method.

Early-access features can change, be withdrawn, or be unavailable. We do not promise uninterrupted or error-free operation. Material changes that reduce paid functionality should receive reasonable notice where practicable. HMRC API versions, provider deprecations, security incidents, or legal requirements can require urgent changes. Unsupported HMRC journeys must fail closed rather than silently producing a filing.

Subject to these terms and payment where applicable, you receive a limited, revocable, non-exclusive, non-transferable right to use the Service for its documented purpose. The operator or licensors retain rights in the software, design, and documentation. You retain rights in your uploaded content. Feedback may be used to improve the Service without identifying you, subject to the Privacy Notice.

You may cancel a subscription and may request account closure. We may suspend access for security risk, non-payment, unlawful use, material breach, provider restriction, or legal requirement. Where safe and lawful, we will provide notice and a reasonable opportunity to export records. Emergency security action can occur without advance notice. The final terms must define notice periods, data retrieval, appeals, and the effect of termination.

Nothing excludes liability that cannot lawfully be excluded, including liability for fraud and death or personal injury caused by negligence. Any limitation for data loss, filing error, missed deadline, third-party outage, indirect loss, or aggregate financial cap must be assessed for fairness, insurance cover, customer type, and applicable consumer law. No final liability cap is asserted in this draft.

The intended governing law is England and Wales, without removing mandatory rights a consumer has in another UK jurisdiction. Service or billing complaints: support@mtdforlandlords.co.uk Legal and privacy contact: legal@landlordtax.app Postal address, escalation route, response target, alternative dispute-resolution position, and contracting-party details: pending legal confirmation.