Terms of Business

1. About ZenTax

ZenTax is a software service operated by ZenFinanceHub ("we", "us", "our"). It is designed to assist sole traders and small business owners in the United Kingdom to organise their financial records and estimate their Self Assessment tax liability. ZenTax is not a regulated accountancy or financial advice service.

2. Subscription & Payment

• Subscriptions are priced at £12.99 per business per month, billed annually at £155.88 per business.
• All subscriptions have a minimum 12-month term. You may cancel at any time, but no refunds will be issued for the remaining period of your current term.
• Additional businesses may be added to your subscription at the same rate of £12.99/month (£155.88/year) per business.
• Payments are processed securely by Stripe. We do not store your card details.
• We reserve the right to update our pricing with 30 days' written notice.

3. What ZenTax Does and Does Not Do

ZenTax provides tools to help you:

• Categorise and review bank transactions
• Estimate your Self Assessment tax liability
• Record mileage, home office use, and capital allowances
• Generate a summary SA100 for your reference

ZenTax does not:

• File your Self Assessment return with HMRC on your behalf
• Provide regulated financial or tax advice
• Guarantee the accuracy of any tax estimates produced

4. Your Responsibilities

• You are responsible for the accuracy and completeness of all information you enter into ZenTax.
• You remain solely responsible for filing your tax return correctly and on time with HMRC.
• You must review all AI-generated categorisations before relying on them.
• You must keep your login credentials secure and notify us immediately of any unauthorised access.

5. AI Features

ZenTax uses artificial intelligence to assist with transaction categorisation and tax queries. AI outputs are indicative only and may contain errors. You must review all AI suggestions before accepting them. ZenFinanceHub accepts no liability for decisions made on the basis of AI-generated content.

6. Data & Privacy

Your data is stored securely. We will never sell your personal or financial data to third parties. Data is used solely to provide the ZenTax service and to improve it. You may request deletion of your account and associated data at any time by contacting info@zenfinancehub.com.

7. Limitation of Liability

To the maximum extent permitted by law, ZenFinanceHub shall not be liable for any indirect, incidental, or consequential loss arising from your use of ZenTax. Our total liability to you shall not exceed the amount you have paid to us in the 12 months preceding the claim.

8. Termination

We may suspend or terminate your access to ZenTax if you breach these terms. You may cancel your subscription at any time, subject to the 12-month minimum term outlined in Section 2.

9. 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.

10. Contact

For any questions about these terms, please contact us at info@zenfinancehub.com or visit zenfinancehub.com.