Terms of Service

1. About These Terms

These Terms of Service ("Terms") govern your use of MTD Bridge ("the Service"), operated by Garry Cronin trading as Steadfast Software, a sole trader based in Cardiff, Wales. By creating an account or using the Service, you agree to be bound by these Terms.

2. The Service

MTD Bridge is HMRC-recognised Making Tax Digital for Income Tax Self Assessment (MTD ITSA) bridging software. The Service enables you to:

• Maintain digital records of property rental income and expenses
• Submit quarterly updates to HMRC via the Making Tax Digital API
• View estimated tax liabilities
• Submit your Final Declaration (end-of-year) to HMRC
• Upload and store receipt images

3. Account Registration

You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials. You must be at least 18 years old to use the Service. One person or legal entity may not maintain more than one free account.

4. Subscription Tiers and Payment

The Service is available under the following tiers:

• Free — 1 property or income source, full MTD submission capability.
• Landlord (£6.99/month) — 2 to 5 properties.
• Portfolio (£12.99/month) — 6 to 15 properties, including foreign property support.
• Professional (£24.99/month) — 16 to 50 properties, accountant portal access.

Annual billing is available at a discount. Payments are processed by Stripe. All prices include VAT where applicable.

You may upgrade, downgrade, or cancel your subscription at any time. Downgrades and cancellations take effect at the end of the current billing period. No refunds are issued for partial billing periods. If you downgrade to a tier with a lower property limit, you must reduce your active properties to within the new limit before the change takes effect.

5. Your Responsibilities

You are solely responsible for:

• Accuracy of data — all income, expense, and property information you enter into the Service. MTD Bridge transmits this data to HMRC exactly as you provide it.
• Reviewing submissions — checking the accuracy of quarterly updates and your Final Declaration before confirming submission to HMRC.
• Tax compliance — meeting your obligations under UK tax law, including filing deadlines and payment of any tax due.
• HMRC connection — maintaining a valid connection to HMRC via Government Gateway and re-authorising when required.
• Record keeping — maintaining your own records as required by HMRC. The Service assists with digital record-keeping but does not replace your obligation to retain supporting documents.

6. Limitation of Liability

MTD Bridge is a software tool, not a tax adviser. The Service does not provide tax, legal, or financial advice. Tax estimates shown are indicative only and should not be relied upon as a substitute for professional advice.

To the maximum extent permitted by law:

• We are not liable for any errors in HMRC submissions that result from inaccurate data you have entered, nor for any penalties, interest, or additional tax arising from such errors.
• We are not liable for any losses arising from HMRC API downtime, changes to HMRC systems, or delays in HMRC processing your submissions.
• Our total liability for any claim arising from or related to the Service shall not exceed the total fees you have paid to us in the 12 months preceding the claim.
• We are not liable for indirect, incidental, special, consequential, or punitive damages.

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.

7. Service Availability

We aim to keep the Service available at all times but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control (including HMRC API outages). We will endeavour to provide advance notice of planned maintenance.

8. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal data.

9. Intellectual Property

The Service, including its design, code, and branding, is owned by Steadfast Software. You retain ownership of all data you enter into the Service. By using the Service, you grant us a limited licence to process your data solely for the purpose of providing the Service.

10. Acceptable Use

You must not:

• Use the Service for any unlawful purpose, including submitting false information to HMRC
• Attempt to gain unauthorised access to the Service or its infrastructure
• Resell or redistribute the Service without our written permission
• Use automated tools to scrape or interact with the Service

We reserve the right to suspend or terminate accounts that violate these terms.

11. Account Termination

You may close your account at any time by contacting us. We may terminate or suspend your account if you breach these Terms. Upon termination, you may request an export of your data within 30 days. After 30 days, your data will be deleted except where retention is required by law (see our Privacy Policy for details on data retention).

12. Go LTD Service

The Go LTD company formation service is an optional add-on. It facilitates the formation of a limited company through a third-party formation agent. We are not responsible for the actions of the formation agent, nor for any legal, tax, or regulatory consequences of incorporating a company. You should seek professional advice before deciding to incorporate.

13. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via email or in-app notification at least 30 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

14. 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.

15. Contact

For questions about these Terms, contact us at [email protected].