Terms of Service — TaxHeaven MTD

1. What the App Does

This public release of TaxHeaven MTD works without connecting a TaxHeaven account. Account sign-in and access to stored TaxHeaven records are unavailable. It provides an interactive workspace and these eight UK tax tools through ChatGPT:

• Calculate UK Tax: Estimates income tax, National Insurance, and dividend tax for self-employed individuals, landlords, and side hustlers (includes Scottish tax rates)
• Check MTD Eligibility: Assesses Making Tax Digital for Income Tax using the relevant reference year, gross qualifying income and exemption circumstances; missing facts produce an uncertainty result
• Categorise Expense: Suggests expense categories and explains circumstances that affect allowability
• Check Tax Deadlines: Shows upcoming Self Assessment and MTD deadlines with countdown
• Calculate Payment on Account: Estimates advance tax payments based on previous year liability
• Calculate VAT: Calculates VAT at standard, reduced, and zero rates, including Flat Rate Scheme calculations
• Calculate Capital Allowances: Estimates Annual Investment Allowance, writing-down allowances, and first-year allowances on business assets
• Scan Receipt: Suggests a category for supplied receipt data and checks arithmetic for records review. You must check the category, deductibility and VAT treatment. ChatGPT extracts receipt data from uploaded images using its built-in vision; no image data is sent to TaxHeaven.

Public calculations do not require an account. Scenario edits apply only to your supplied figures and do not change stored TaxHeaven records. The app does not submit information to HMRC, save new records or send reminders.

3. How You Access the App

You access the App through ChatGPT, which is operated by OpenAI. Your use of ChatGPT is governed by OpenAI's Terms of Use. We are not responsible for ChatGPT's availability, performance, or data handling.

Public tools are available without an account connection. This release cannot read your stored TaxHeaven account records. This app does not sell subscriptions or process payments.

4. Acceptable Use

You agree to:

• Use the App for supported UK tax guidance and records review related to your own tax affairs
• Provide reasonably accurate input figures (the App cannot detect incorrect inputs)
• Not attempt to circumvent rate limits or abuse the service
• Not use the App for automated bulk queries or commercial resale of results
• Not use the App for any unlawful purpose

5. Data and Privacy

Public tool inputs are processed in memory for the request. This release does not access your stored TaxHeaven account records. The workspace sends selected facts and concise results to the host for follow-up context. OpenAI handles returned results and conversation state under its own practices. See the Privacy Policy for data flows and retention.

For full details, see our Privacy Policy.

Note that your conversation with ChatGPT (including inputs and results) is handled by OpenAI and subject to their privacy practices.

6. Intellectual Property

• The App: The software, widget designs, and tax logic are the property of TAXHEAVEN LTD.
• Your Data: You retain full ownership of any figures or information you provide.
• HMRC Data: Tax rates, thresholds, and deadline dates are derived from publicly available HMRC publications.
• Trademarks: "TaxHeaven" and associated logos may not be used without our written consent.

7. Limitation of Liability

8. Termination

We may discontinue the App or restrict access at any time without notice. You may stop using the app at any time. Information already returned to ChatGPT remains subject to OpenAI’s policies and ChatGPT’s deletion controls. For any existing connection records held by the separate account connection service, see the app’s Privacy Policy.

9. Governing Law

10. Changes to Terms

We may update these Terms from time to time. Changes will be reflected by updating the "Last updated" date above. Please review this page periodically for changes to enabled capabilities and terms. Continued use of the App after changes constitutes acceptance.

11. Severability

If any provision of these Terms is held to be unenforceable, the remaining provisions continue in full force and effect.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and TAXHEAVEN LTD regarding the App. This is separate from and does not affect the terms of the main TaxHeaven platform at taxheaven.app.

13. Contact