Terms & Conditions

Last updated: April 2026

1. Acceptance of Terms

By creating an account and using ClearCash ("the Service"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree with any part of these Terms, you must not use the Service.

ClearCash is operated by Cadogan Advisory Ltd, a company registered in England and Wales ("we", "us", "our").

2. Description of Service

ClearCash is a personal finance and business tax management application that provides:

• Bank account aggregation and transaction tracking
• Budgeting and savings goal management
• Business income and expense tracking
• Making Tax Digital (MTD) Income Tax Self-Assessment submissions to HMRC
• VAT return preparation and submission to HMRC
• Tax estimation and profit/loss calculations
• Open Banking connectivity via regulated providers

3. Account Registration

• You must be at least 18 years old to use ClearCash
• You must provide accurate and complete registration information
• You are responsible for maintaining the confidentiality of your login credentials
• You must notify us immediately of any unauthorised use of your account
• One person may only create one account

4. User Responsibilities

When using ClearCash, you agree to:

• Provide accurate financial data and transaction information
• Review all tax return data before submitting to HMRC
• Keep your HMRC and bank connection credentials secure
• Comply with all applicable tax laws and regulations
• Not use the Service for any unlawful purpose
• Not attempt to reverse-engineer, decompile, or exploit the Service

5. Not Financial or Tax Advice

ClearCash is a software tool, not a financial advisor, accountant, or tax consultant.

• Tax calculations, estimates, and projections provided by ClearCash are estimates only and should not be relied upon as definitive tax advice
• You are solely responsible for the accuracy and completeness of any information submitted to HMRC through ClearCash
• We strongly recommend consulting a qualified accountant or tax professional for complex tax matters
• ClearCash does not verify the accuracy of the data you enter — it processes what you provide
• Budget recommendations, savings projections, and financial summaries are informational only and do not constitute financial advice

6. HMRC Submissions

• When you submit MTD returns or VAT returns through ClearCash, you are making a legal declaration to HMRC
• You must review all figures before confirming a submission
• Once submitted to HMRC, returns generally cannot be amended through ClearCash — you may need to contact HMRC directly
• ClearCash transmits your data to HMRC securely via their official API but is not responsible for HMRC system outages or processing delays
• You authorise ClearCash to act as your software agent when submitting data to HMRC

7. Open Banking

• Bank account connections are facilitated through FCA-regulated providers (Powens and/or Plaid)
• ClearCash has read-only access to your accounts — we cannot move money or make payments
• You may disconnect your bank accounts at any time
• We are not responsible for outages, delays, or data accuracy issues from Open Banking providers

8. Intellectual Property

All content, design, code, and functionality of ClearCash is the property of Cadogan Advisory Ltd. You may not copy, modify, distribute, or create derivative works without our written permission.

9. Service Availability

• We aim to provide ClearCash on a 24/7 basis but do not guarantee uninterrupted access
• We may perform maintenance, updates, or improvements that temporarily affect availability
• We are not liable for losses resulting from service downtime

10. Limitation of Liability

To the fullest extent permitted by law:

• ClearCash is provided "as is" without warranties of any kind, express or implied
• We do not warrant that tax calculations will be error-free or that submissions to HMRC will be accepted
• We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Service
• Our total liability to you for any claims arising from use of the Service shall not exceed the fees you have paid us in the 12 months preceding the claim
• 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

11. Account Suspension and Termination

• You may delete your account at any time from the My Account page
• We may suspend or terminate your account if you breach these Terms
• Upon termination, your data will be handled in accordance with our Privacy Policy

12. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email or in-app notification at least 14 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Us

If you have any questions about these Terms, please contact:

• Email: support@clearcash.site
• Company: Cadogan Advisory Ltd