Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the My LTD Accounts software application and website (the "Service") operated by No Fear Tech Ltd ("we", "us", "our"), a company registered in England and Wales (Company No. 16758357) with its registered office at 6 Mallard Way, Dereham, Norfolk NR19 1FJ.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Account Registration

To use the Service, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or your business.

3. Service Description

My LTD Accounts provides cloud-based accounting software designed for UK limited companies, including invoicing, expense tracking, bank reconciliation, VAT return preparation, and financial reporting. HMRC filing is available only when we have enabled production access for your account; an interface, preview, or sandbox connection is not evidence that a return was filed.

The Service is a tool to assist with bookkeeping and does not constitute professional accounting, tax, or legal advice. You remain responsible for the accuracy of your financial records and compliance with HMRC and Companies House requirements.

My LTD Accounts is not described as HMRC recognised unless and until it appears on HMRC's commercial software list. HMRC does not approve or accredit commercial accounting products.

4. Early-access charges

The current early-access Service is offered at £0 and does not collect a payment card. No paid subscription is currently offered.

If we introduce paid plans, we will publish the price, billing period, tax treatment, cancellation terms, and refund terms before accepting an order. Continuing to use the free beta will not by itself enrol you in a paid plan.

5. Your Data

You retain ownership of all data you input into the Service. We do not claim any intellectual property rights over your content.

You grant us a limited licence to store, process, and display your data solely for the purpose of providing the Service to you.

You may export supported data using the built-in export features. Upon account deletion, we will delete data within our published deletion period except where retention is required by tax, accounting, security, dispute, or other law. HMRC submission evidence may be retained as an immutable record.

6. HMRC Making Tax Digital

If you connect HMRC, you authorise us to request the scopes shown in the HMRC consent journey, retrieve VAT information, and submit a return only when an authorised company user gives the final instruction. You must keep the VAT registration number and digital records accurate, review every return, and accept the applicable legal declaration.

We submit only a period that HMRC reports as an open obligation. A submission is complete only when the Service records HMRC's successful response. You must not attempt duplicate, false, fraudulent, or unauthorised filings. HMRC availability, rejection, reauthorisation, and changes to law or API services are outside our control.

7. Acceptable Use

You agree not to: use the Service for any unlawful purpose; attempt to gain unauthorised access to other accounts or systems; upload malicious code; resell or redistribute the Service without permission; or use the Service in a way that could damage, disable, or impair it.

8. Limitation of Liability

To the maximum extent permitted by law, No Fear Tech Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities.

Our total liability for any claim arising from the Service shall not exceed the greater of £100 and the amount you paid us in the 12 months preceding the claim.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

9. Availability and Support

We do not guarantee uninterrupted access. We may perform maintenance with reasonable notice. Support is available through the contact details below; no response-time commitment applies unless separately agreed in writing.

10. Termination

We may suspend or terminate your account if you breach these Terms or if we are required to do so by law. You may terminate your account at any time by contacting us.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Service. Continued use after changes constitutes acceptance.

12. 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.

13. Contact

For questions about these Terms, contact us at hello@myltdaccounts.co.uk or write to No Fear Tech Ltd, 6 Mallard Way, Dereham, Norfolk NR19 1FJ.