Terms of Service — TaxHeaven ChatGPT App

1. What the App Does

The TaxHeaven ChatGPT App provides eight UK tax tools accessible 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: Determines if Making Tax Digital applies based on qualifying income
• Categorise Expense: Matches expense descriptions to HMRC-recognised allowable categories
• 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: Categorises receipt data (vendor, date, amounts, and VAT) for HMRC tax return purposes and validates VAT rates. ChatGPT extracts receipt data from uploaded images using its built-in vision; no image data is sent to TaxHeaven.

The App is a stateless calculation service. It does not connect to HMRC, does not file tax returns, does not store your data, and does not require an account.

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.

The App is free to use. There are no subscriptions, fees, or payments.

4. Acceptable Use

You agree to:

• Use the App only for UK tax calculations 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

The App is stateless. Your inputs (income figures, expense descriptions) are processed in memory and immediately discarded. We do not store, log, or retain your tax data.

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 by simply not invoking the TaxHeaven tools in ChatGPT.

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. Since the App has no user accounts, we cannot send direct notifications — please review this page periodically. 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