Legal Terms & Service Disclaimer

1. Who we are

Smart Bookkeeping is a software service operated by Zigetti Ltd, a company incorporated in England and Wales.

• Legal entity: Zigetti Ltd
• Jurisdiction: England and Wales
• Registered office: 1st Floor, 314 Regents Park Road, London, N3 2LT

All services are provided by Zigetti Ltd.

2. Definitions

In these Terms:

• Business User means a person using Smart Bookkeeping wholly or mainly for a trade, business, craft or profession, including on behalf of a company, partnership or sole trade.
• Consumer means an individual using Smart Bookkeeping wholly or mainly for purposes outside their trade, business, craft or profession.
• Free Plan means the no-cost Smart Bookkeeping plan with the monthly included-credit allowance shown in the service.
• Paid Subscription means a recurring paid Smart Bookkeeping plan selected through checkout.
• Included Credits means credits supplied as part of the Free Plan or a Paid Subscription. They reset at the stated interval and do not roll over.
• Purchased Credits means additional credits bought separately. They roll over until used, refunded or otherwise removed under these Terms.
• Service means the Smart Bookkeeping platform, its email workflows, automated document processing, draft bookkeeping preparation and related features.
• Terms means these Terms & Conditions.

Your status as a Consumer or Business User is determined by how you are actually using the Service. A declaration made during signup is evidence of that use but does not override rights that apply by law.

3. What Smart Bookkeeping is

Smart Bookkeeping is a bookkeeping assistance platform designed to interpret documents and prepare accounting records for review.

Smart Bookkeeping is not:

• an accounting firm
• a regulated bookkeeping practice
• a provider of tax, legal, accounting or financial advice; or
• a replacement for a qualified accountant or bookkeeper.

All outputs are drafts only. Smart Bookkeeping does not submit VAT returns, file statutory accounts or make final tax determinations.

4. Draft-only operation

Smart Bookkeeping may prepare:

• draft bills
• draft invoices
• draft journals
• draft allocations
• draft tracking assignments; and
• related draft records and supporting information.

Smart Bookkeeping does not automatically approve, pay, reconcile or finally post accounting records.

You remain responsible for:

• reviewing every output
• approving, rejecting or correcting drafts
• making final posting and filing decisions
• checking VAT treatment, classifications, totals and attachments
• retaining source records; and
• ensuring the accuracy, completeness and legal compliance of your accounting records.

5. Eligibility, accounts and authority

You must provide accurate account and contact information and keep it up to date.

If you use Smart Bookkeeping for a business or organisation, you confirm that you are authorised to enter into this agreement and connect the relevant systems on its behalf.

You must have the right to upload, email or otherwise provide every document and item of data submitted to the Service.

You are responsible for maintaining the security of your email account, connected services and access credentials. You must promptly tell us if you suspect unauthorised use.

6. Free Plan

The Free Plan:

• requires no payment card
• does not automatically convert into a Paid Subscription
• provides the Included Credit allowance displayed in the Service
• resets Included Credits at the displayed interval; and
• does not carry unused Included Credits into a later period.

When no credits are available, processing may pause until the allowance resets, Purchased Credits are added or you choose a Paid Subscription. Your account and historical records are not deleted merely because processing is paused.

We may change the future features or allowance of the Free Plan by giving reasonable notice. A change will not create a payment obligation without your express agreement.

7. Paid Subscriptions

The available Paid Subscriptions, current price, currency, Included Credits, billing interval and renewal terms are displayed before checkout.

By completing checkout, you authorise the stated recurring payment. A Paid Subscription renews at the displayed interval until cancelled.

Included Credits supplied through a Paid Subscription reset each billing period and do not roll over.

We will provide a durable confirmation of the Paid Subscription, including the transaction terms and the version of these Terms that applies.

We may change subscription prices only for future billing periods and will give reasonable advance notice. If you do not agree to a price change, you may cancel before it takes effect.

8. Purchased Credits

Purchased Credits are optional one-time purchases separate from a Paid Subscription.

Before checkout, we display the number of credits, total price, currency and any applicable cancellation information.

Purchased Credits:

• are added only after successful payment confirmation
• accumulate and roll over until used
• are consumed after available Included Credits; and
• have no cash value except where a refund is due under these Terms.

We will provide a durable purchase confirmation showing the credits and amount actually purchased.

9. Payment

Payments are processed by Stripe. Stripe may collect and retain payment information under its own terms and privacy notice.

You must ensure that your chosen payment method remains valid. If a recurring payment fails, paid processing may be paused while we retry payment or ask you to update the payment method.

Prices and any applicable taxes are shown before you place an order. The final checkout action will make clear when clicking it creates an obligation to pay.

10. Consumer cancellation policy

This section applies only if you are a Consumer.

Paid Subscriptions

You may cancel a new Paid Subscription within 14 calendar days after the completed paid checkout.

Under the Smart Bookkeeping consumer policy for this version:

• cancellation within that period ends the Paid Subscription immediately
• the first subscription payment is refunded in full; and
• your account returns to the Free Plan.

After that 14-day period, cancellation normally takes effect at the end of the current paid billing period and no automatic refund is provided.

Purchased Credits

You may request cancellation of a Purchased Credit order within 14 calendar days after completed checkout.

The automatic refund is calculated from the unused Purchased Credits:

refund = amount paid × unused Purchased Credits ÷ Purchased Credits bought

The result is rounded to the nearest penny and cannot exceed the original payment. Credits currently reserved for processing are treated as used until the reservation is released. Refunded credits are removed from the account.

After 14 calendar days, Purchased Credit orders are not automatically refundable.

These product policies do not reduce any statutory rights or remedies that apply to you.

11. Business cancellation

If you are a Business User, cancellation of a Paid Subscription normally takes effect at the end of the current paid billing period. Amounts already paid are not refundable unless required by law or expressly agreed otherwise.

Purchased Credit orders made by Business Users are not refundable except where required by law or where we expressly agree otherwise.

12. Automation and artificial intelligence

Smart Bookkeeping uses automated systems and third-party artificial-intelligence providers, currently including Anthropic Claude and xAI Grok, to interpret documents and prepare drafts.

You acknowledge that:

• automation may produce errors
• results depend on document quality and context
• no automated system is infallible; and
• every output requires human review.

We do not train general-purpose models on your financial documents. Relevant content is sent to service providers for processing as described in the Privacy Notice.

13. Third-party services

Smart Bookkeeping may integrate with Xero, Stripe, email providers, artificial-intelligence providers and other third-party services.

Smart Bookkeeping is independent of and is not authorised, endorsed by or affiliated with Xero. “Xero” is a trademark of Xero Limited.

Your use of a third-party service is also governed by that provider's terms. We are not responsible for a third-party service that we do not control, but this does not exclude responsibility that cannot lawfully be excluded.

14. Availability, suspension and termination

We aim to provide a reliable Service but do not promise uninterrupted availability.

We may suspend or restrict access where reasonably necessary because:

• payment is overdue or has failed
• credits are exhausted
• these Terms are materially breached
• misuse, fraud or unlawful activity is suspected
• continued access creates a security, legal or system-integrity risk; or
• maintenance or an incident makes suspension necessary.

Where appropriate, we will provide notice and a reasonable opportunity to remedy the issue.

You may stop using the Free Plan at any time. Ending paid access does not automatically delete your account or records that we must retain.

15. Consumer rights and liability

If you are a Consumer:

• we will provide the Service with reasonable care and skill
• nothing in these Terms affects your statutory rights; and
• nothing excludes or limits liability where doing so would be unlawful.

We are not responsible for losses caused by information or instructions that are inaccurate, incomplete or supplied without authority, except to the extent that we are legally responsible for the loss.

16. Business liability

If you are a Business User, to the fullest extent permitted by law:

• the Service is provided on an “as available” basis
• all implied warranties and conditions are excluded
• Zigetti Ltd is not liable for indirect or consequential loss, loss of profit, loss of revenue, loss of opportunity or business interruption; and
• Zigetti Ltd's total aggregate liability arising from the Service will not exceed the fees paid by you for the Service during the 12 months preceding the event giving rise to the claim.

Nothing in these Terms limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any matter that cannot lawfully be limited.

17. Changes to the Service or these Terms

We may improve, replace or discontinue Service features.

We will notify you of material changes to these Terms before they take effect. Where appropriate, we will ask you to accept a new version or give you the opportunity to cancel.

An updated Privacy Notice informs you how personal data is processed; it is not accepted merely through continued use.

18. Governing law

These Terms are governed by the laws of England and Wales.

If you are a Consumer, you retain any mandatory right to bring proceedings in another court that applies to you.

If you are a Business User, the courts of England and Wales have exclusive jurisdiction.

19. Contact

Contact Zigetti Ltd at:

1st Floor, 314 Regents Park Road London N3 2LT

Smart Bookkeeping assists with preparation. You decide what is posted.