Terms of Service

1. Introduction

These Terms of Service ("Terms") govern access to and use of the Worraps website and enabled accounting services (the "Service"), operated by WORRAPS LTD, trading as Worraps, company number 17566250 ("we", "us", "our").

When you enter into an agreement to use an account or paid Service, you confirm that you:

• have read, understood, and agree to be legally bound by these Terms.
• are at least 18 years of age.
• are using the Service either as a private individual or in connection with your self-employment or small business activities.

The public website currently provides information about planned services; it does not accept subscription orders, create application accounts or provide accounting services. Browsing it does not create a paid subscription. Account and subscription provisions apply only when the relevant service is made available and you enter into an agreement for it. If you do not agree to the applicable Terms, do not register for or order the Service.

We may update these Terms for the reasons and through the notice process in Section 17. Publication alone does not retrospectively change an existing contract or remove statutory rights.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• "Worraps", "we", "us" or "our" means WORRAPS LTD, company number 17566250.
• "Service" means the Worraps platform, including all features, tools, functionalities, software, and services provided through the website and application.
• "User", "you", or "your" means any individual who accesses or uses the Service.
• "Account" means a registered user account created to access and use the Service.
• "Content" means any data, information, documents, receipts, financial records, or other materials uploaded, submitted, or processed by you through the Service.
• "AI" means any artificial intelligence, machine learning models, or automated systems used within the Service to analyse, process, or generate outputs based on user-provided Content.
• "Output" means any result, classification, suggestion, report, or data generated by the Service, including through AI functionality.
• "Subscription" means any paid plan or access to the Service provided on a recurring or one-time basis.

These definitions apply whether the terms appear in singular or plural form. A consumer is an individual acting wholly or mainly outside their trade, business, craft or profession; other customers are business customers. Your status depends on the purpose of the contract, not merely on whether you are a sole trader.

3. About Worraps

Worraps is a platform designed to assist individuals and small businesses with the organisation, processing, and management of financial information, including for tax-related purposes.

The Service is operated by WORRAPS LTD, trading as Worraps, company number 17566250.

Registered office: 71-75, Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. Contact email: info@worraps.co.uk.

Worraps provides digital tools, including AI-assisted features, to support users in managing their financial records and preparing information for tax reporting. Worraps does not act as an accountant, tax advisor, or financial advisor.

4. Eligibility

To use the Service, you must:

• be at least 18 years of age.
• have the legal capacity to enter into a binding agreement.
• use the Service in your own name or on behalf of a business or organisation that you are authorised to represent.

If you are using the Service on behalf of a business or organisation, you confirm that you have the authority to bind that entity to these Terms.

You must not use the Service if doing so would violate any applicable law or regulation.

You are responsible for ensuring that your use of the Service complies with all applicable laws and regulations relevant to your personal or business circumstances.

We reserve the right to refuse access to the Service or suspend accounts where we reasonably believe that a user does not meet these eligibility requirements.

5. Description of the Service

Worraps is a digital platform that provides tools to assist users in organising, processing, and managing financial information, including records relevant to tax reporting.

The Service may include features such as:

• uploading and storing financial documents, including receipts and invoices.
• categorisation and organisation of financial data.
• AI-assisted analysis and processing of user-provided Content.
• generation of summaries, reports, and other Outputs to support record-keeping and tax preparation.

The Service is designed to support users in managing their financial information in a structured and efficient manner. However, Worraps does not guarantee that the Service will meet all user requirements or be suitable for every individual or business circumstance.

Features may change for the reasons and subject to the protections in Sections 16 and 17. Only features shown as available for your plan are supplied. References to HMRC, MTD or VAT do not constitute accreditation or a guarantee of production filing availability.

6. No Professional Advice

Worraps is a technology platform designed to assist users in organising and managing financial information. The Service does not provide accounting, tax, legal, or financial advice.

Nothing within the Service, including any AI-generated Output, constitutes professional advice or should be relied upon as such.

You must reasonably review records and outputs before using them for tax reporting or financial decisions. This does not remove our duty to exercise reasonable care and skill or any statutory responsibility for the Service.

If you require professional advice, you should consult a qualified accountant, tax advisor, or other appropriate professional.

7. User Responsibilities

You are responsible for your use of the Service and for all Content that you upload, submit, or process through the Service.

In particular, you agree that you are solely responsible for:

• ensuring that all information, data, and documents you provide are accurate, complete, and up to date.
• reviewing and verifying any Content and Output generated by the Service before relying on it.
• maintaining proper records and complying with all applicable tax, accounting, and legal obligations.
• ensuring that any tax submissions or financial decisions made using information from the Service are correct and appropriate to your individual circumstances.
• keeping your Account credentials secure and preventing unauthorised access to your Account.

You acknowledge that the Service relies on the accuracy and completeness of the information you provide, and that incorrect or incomplete data may result in inaccurate Outputs.

You are responsible for ensuring that your use of the Service complies with all applicable laws and regulations.

8. No Guarantee of Accuracy

While Worraps is designed to support accurate organisation and processing of financial information, we do not guarantee the accuracy, completeness, or reliability of any Content or Output generated by the Service.

The Service relies on user-provided information and automated processes, including AI, which may produce errors, omissions, or incorrect classifications.

You acknowledge that any Output provided by the Service is for informational purposes only and should not be relied upon without independent review and verification.

You are responsible for your own data-entry errors and decisions to the extent lawfully applicable. We remain responsible for our breach of these Terms and any liability that cannot lawfully be excluded, including applicable reasonable-care-and-skill obligations.

9. AI Disclaimer

The Service may use artificial intelligence and automated systems ("AI") to analyse, process, and generate Outputs based on user-provided Content.

You acknowledge that AI is an assistive technology and may produce results that are inaccurate, incomplete, or inappropriate. AI-generated Outputs are based solely on the data provided and the underlying algorithms and may not reflect your actual financial or tax position.

You must not rely solely on AI-generated Outputs when making financial decisions or preparing tax-related information. All Outputs should be independently reviewed and verified by you before use.

AI outputs can contain errors and require review. This explanation does not exclude our contractual commitments, applicable statutory standards or remedies.

10. Limitation of Liability

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

For customers acting wholly or mainly in business, the following exclusions apply only where lawful, reasonable and consistent with our express obligations:

• any loss of profits, revenue, business, or anticipated savings.
• any loss of data, goodwill, or reputation.
• any indirect, incidental, or consequential loss or damage.
• loss arising solely from your failure to review an output where reasonable review would have prevented that loss, without excluding liability for our own breach where law prevents exclusion;
• loss caused solely by inaccurate information you supplied or unauthorised changes by you, subject to mandatory law and our own obligations.

We provide the Service with reasonable care and skill. We do not guarantee uninterrupted or error-free operation. For business customers, and only where lawful and reasonable, our aggregate contractual liability is limited to the fees paid in the 12 months before the event. For consumers, we remain responsible for reasonably foreseeable loss caused by our breach; business-only exclusions and caps do not remove consumer statutory remedies. No clause excludes fraud, death or personal injury caused by negligence, data-subject rights, or other non-excludable liability.

11. Account Terms

To access certain features of the Service, you may be required to create an Account.

You agree to provide accurate, complete, and up-to-date information when creating and maintaining your Account, and to promptly update any information where necessary.

You must take reasonable steps to keep credentials confidential and tell us promptly of suspected misuse. You are not automatically liable for every unauthorised action where it was not caused by your breach, and this does not remove our security obligations.

You must not:

• share your Account with any other person.
• allow unauthorised access to your Account.
• use another user’s account without permission.

You must notify us promptly if you become aware of any unauthorised use of your Account or any security breach.

We reserve the right to suspend or terminate your Account, or restrict access to the Service, where we reasonably believe that:

• your Account has been compromised.
• you have breached these Terms.
• your use of the Service poses a risk to the security or integrity of the Service.

You are responsible for ensuring that your use of the Service through your Account complies with all applicable laws and regulations.

12. Subscription & Payments

Access to certain features of the Service requires a paid Subscription.

Available plans, prices, receipt or other usage limits and included features are shown on our Pricing page and confirmed before you place an order. The checkout summary and order confirmation identify the terms applying to your subscription. Published prices do not themselves constitute an accepted order. When ordering becomes available, the order process will identify the service, total price, billing frequency and any minimum term, and allow you to correct errors before committing to payment. A subscription contract is formed when we confirm acceptance of your order on a durable medium, such as email; a payment receipt alone is not acceptance unless it expressly confirms this. If we cannot accept an order, we will notify you and refund any payment taken for it.

• Self Assessment plans: Free; Starter GBP 4.99 per month; Growth GBP 9.99 per month; Unlimited GBP 14.99 per month.
• MTD Income Tax plans: Starter GBP 6.99 per month; Growth GBP 11.99 per month; Unlimited GBP 16.99 per month.
• Usage limits and feature availability are those shown for the selected plan. Receipt limits apply to receipts, not invoices.
• VAT or other future plans are offered only when shown as available; a reference in a document does not activate them.
• All compulsory charges and any applicable VAT are shown clearly before purchase. No additional charge is added without your express agreement.

Paid subscriptions are billed monthly in advance unless the order expressly states otherwise. A recurring subscription renews monthly until cancelled; the next charge and renewal information are shown before purchase and in your billing information.

You agree to pay all applicable fees associated with your chosen Subscription plan. Payments must be made in advance of the billing period.

If payment is not successfully received, we may suspend or restrict access to the Service until payment is completed.

Record submission

The Service is designed to encourage timely and accurate record-keeping. You are expected to upload or create invoices and financial records within the relevant reporting period.

No additional late-entry fee is charged under these Terms.

Additional charges

Any optional additional paid service requires clear advance pricing and your express agreement before a charge is incurred.

Submitting a record for an earlier period does not, by itself, create an additional fee.

Plan changes follow the effective date, usage limits and any charge or credit shown before you confirm the change. A downgrade does not retrospectively change the price of a paid billing period. You are told any effect on access or stored records before confirmation.

You may cancel renewal through available billing controls or by emailing info@worraps.co.uk. Cancellation of renewal normally takes effect at the end of the paid period, with access continuing until then; it is separate from account deletion. There is no early-termination fee for a rolling monthly subscription. Refunds remain available where required by law or our express commitments.

For a material price increase, we give at least 30 days' advance notice before a future renewal and allow you to cancel before the higher price applies. We do not retrospectively increase an already paid period.

If you are a consumer entering a distance service contract, you normally have 14 days after the day the contract is concluded to cancel without giving a reason. Email info@worraps.co.uk with a clear cancellation statement; using the optional cancellation form is not required. If you expressly request performance during that period, any permitted charge is proportionate to service actually supplied and subject to statutory conditions. Access alone does not automatically waive cancellation rights. Any separate digital-content exception requires the specific advance consent and acknowledgement prescribed by law. Applicable refunds are made within the statutory period, normally 14 days after notification, by the original payment method unless you agree otherwise, without a refund fee.

View the optional cancellation form

13. Termination

You may stop using the Service at any time and may cancel your Subscription in accordance with Section 12.

We may suspend, restrict or terminate access on proportionate grounds where:

• you have breached these Terms.
• your use of the Service poses a risk to the security, integrity, or operation of the Service.
• it is necessary to comply with legal or regulatory obligations.

Effect of Termination

Upon termination or cancellation of your Account:

• access ends when the paid period or agreed termination takes effect, unless immediate suspension is reasonably necessary for security, serious misuse or a legal requirement;
• data return and deletion follow the DPA and Data Retention Policy; we give a reasonable opportunity to export data before ordinary closure, subject to necessary security or legal restrictions;
• you remain responsible for any outstanding fees or charges incurred prior to termination.

You are responsible for exporting or retaining any data or records you require before your Account is terminated.

We explain the applicable export and deletion process. We remain responsible for losses where required by law. Customer data processed on instructions is returned or deleted at the customer's choice under the DPA; only specifically justified independent controller records or legally required storage may be retained.

14. Data & Privacy

Worraps processes personal data in accordance with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

The Website Privacy Policy covers public-website visitors and enquiries. A separate application privacy notice will explain account and accounting-service processing before it begins. Acknowledging a privacy notice is not blanket consent to every processing activity. The DPA forms part of the accepted contract where we process customer personal data on instructions.

You are responsible for ensuring that any personal data you upload or submit to the Service has been collected and processed in accordance with applicable data protection laws.

Where you upload personal data relating to third parties (for example, customers or clients), you confirm that you have the necessary rights, consents, or other lawful basis to do so.

Worraps applies appropriate risk-based technical and organisational safeguards. Customer personal data processed under the DPA is used on documented instructions to provide the agreed Service, without authorising independent AI training or unrelated reuse. Separate controller purposes, roles and lawful bases are explained in the Privacy Policy.

The Website Cookie Policy describes storage and tracking on the public website. Application-specific information will be provided before the relevant application technologies are used. These notices do not create consent to optional tracking.

15. Availability of Service

We aim to provide continuous and reliable access to the Service. However, we do not guarantee that the Service will be uninterrupted, timely, secure, or error-free.

The Service may be temporarily unavailable due to:

• scheduled maintenance.
• updates or improvements to the Service.
• technical issues, including failures of third-party systems or infrastructure.
• events beyond our reasonable control.

We may suspend or restrict access to the Service where reasonably necessary to:

• maintain or improve the performance or security of the Service.
• investigate suspected misuse or security incidents.
• comply with legal or regulatory obligations.

We will take reasonable steps to minimise disruption and, where possible, provide advance notice of planned maintenance.

Service interruptions do not remove statutory remedies or our responsibility for breaches that cannot lawfully be excluded. Any business-only limitations are subject to Section 10 and applicable law.

16. Changes to the Service

We may modify, update, add, or remove features and functionality of the Service from time to time in order to improve performance, enhance user experience, or comply with legal or regulatory requirements.

This may include changes to:

• features or tools available within the Service.
• AI functionality and Outputs.
• Subscription plans, usage limits, or included features.

We explain material changes and their reasons in advance where practicable. Changes must not permit arbitrary removal of paid core features or retrospective reduction of statutory rights.

You acknowledge that the Service is continuously evolving and that features and functionality may change over time.

Where a non-essential change materially disadvantages you, you can cancel before it applies and receive an appropriate refund of prepaid unused affected service, without prejudice to statutory rights. Urgent security or legal changes may apply sooner, with notice as soon as practicable.

17. Changes to Terms

We may update or modify these Terms from time to time to reflect changes in the Service, legal or regulatory requirements, or our business practices.

We give at least 30 days' advance notice of material contractual changes, explain the reason and effect, and provide an opportunity to cancel before they apply. Urgent changes required by law or necessary security measures may take effect sooner with prompt notice.

Changes apply prospectively from the stated date through a legally valid variation or acceptance process. Continued browsing alone does not provide blanket acceptance of new charges or materially adverse terms; express agreement is obtained where required.

If you do not agree to the updated Terms, you must stop using the Service and may cancel your Subscription in accordance with Section 12.

18. Complaints

If you are dissatisfied with the Service or wish to make a complaint, you may contact us using the contact details provided in the Service or in these Terms.

Contact email: info@worraps.co.uk. Postal contact: 71-75, Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ.

We investigate service complaints and respond without undue delay. Privacy complaints are acknowledged within 30 days and handled under the Privacy Policy. Statutory or regulated complaints routes, where applicable, remain available.

We encourage you to contact us first so that we can attempt to resolve any issues quickly and efficiently.

Nothing in this section affects your statutory rights under applicable consumer protection laws.

19. Governing Law

These Terms and any dispute or claim arising out of or in connection with them or the use of the Service shall be governed by and construed in accordance with the laws of England and Wales.

For business customers, the courts of England and Wales have jurisdiction, subject to applicable law. Consumer rights to rely on mandatory protections and bring proceedings in the competent courts of their place of residence are preserved.

If you are a consumer, you may also have the right to bring proceedings in your country of residence in accordance with applicable law.

20. Intellectual Property

All intellectual property rights in and to the Service, including its software, design, structure, features, functionality, and underlying technology (including any AI systems), are owned by or licensed to Worraps.

You are granted a limited, non-exclusive, non-transferable, and revocable right to access and use the Service for its intended purpose in accordance with these Terms.

You must not:

• copy, reproduce, distribute, or create derivative works from any part of the Service.
• attempt to reverse engineer the Service except to the extent permitted by non-excludable law;
• use any part of the Service, including AI functionality, for commercial purposes outside the intended use of the platform.

You retain ownership of your Content. You grant us the limited rights necessary to host, reproduce, process and transmit it to provide the agreed Service and act on your lawful instructions. This does not authorise independent AI model training, unrelated profiling or sale of your Content.

Nothing in these Terms grants you any ownership rights in the Service or its intellectual property.

The licence lasts only as necessary for the agreed Service, instructed return/deletion and any storage specifically required by law. Separate lawful controller records are governed by the Privacy Policy.

21. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms.

You must not use the Service in any way that:

• violates any applicable law or regulation.
• is fraudulent, misleading, or intended to deceive.
• involves the submission of false, inaccurate, or incomplete financial information.
• attempts to gain unauthorised access to the Service, other user accounts, or related systems.
• interferes with, disrupts, or compromises the integrity, performance, or security of the Service.
• involves the use of automated systems, scripts, bots, or scraping tools without our prior written consent.
• reverse engineer or decompile the Service except where non-excludable law permits it;
• transmits viruses, malware, or any harmful or malicious code.
• is used in a way that could damage Worraps, the Service, or its reputation.

You must not use the Service to store, process, or transmit any content that is unlawful, abusive, defamatory, or otherwise inappropriate.

Any suspension or termination must be proportionate to the reason. Except where immediate action is reasonably necessary for serious misuse, security or a legal requirement, we will explain the issue and give reasonable notice and an opportunity to remedy a remediable breach. Where notice would prejudice security or be unlawful, we will explain the action as soon as reasonably possible. If we permanently discontinue a paid service for reasons unrelated to your breach, we will refund prepaid fees for the unused affected period. Statutory rights and Section 10 remain unaffected.

Last updated: 8 November 2026. These website terms take effect when published. Account and subscription provisions apply only upon entry into the relevant service agreement; publication does not amend an existing contract retrospectively.