Terms of Service

Last updated: 1 May 2026

These Terms of Service ("Terms") govern your access to and use of ClearCash, a personal finance and tax compliance web application provided by Cadogan Advisory Ltd at https://clearcash.site (the "Service").

By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. About us

The Service is provided by Cadogan Advisory Ltd, a company registered in England and Wales (registered office: 167-169 Great Portland Street, 5th Floor, London W1W 5PF).

Contact: m.veronese@cadoganadvisory.co.uk

2. The Service

ClearCash provides:

• Personal finance management (budgeting, transaction tracking, analytics)
• Tax compliance tools, including Making Tax Digital (MTD) for Income Tax Self-Assessment
• VAT tracking and reporting
• Practice management features for accountants and firms (client management, engagement letters, digital signatures, identity verification, time tracking, invoicing)
• Integrations with third-party services such as QuickBooks, open banking providers, and HMRC

The Service is designed to support, but does not replace, professional tax or financial advice. We are not your accountant or financial adviser unless we expressly agree otherwise in writing.

3. Beta status and pricing

The Service is currently in beta and is provided free of charge during the beta period.

We plan to introduce paid subscription tiers in the future. If and when paid plans become available:

• We will give you at least 30 days' notice
• You may choose between continuing on a free tier (if available), upgrading to a paid plan, or closing your account
• Existing data will not be deleted as a result of plan changes

Until paid plans are introduced, no payment is required to use the Service.

4. Your account

To use the Service you must:

• Be at least 18 years old
• Provide accurate, complete information when creating your account
• Keep your login credentials confidential
• Notify us promptly of any unauthorised use of your account

You are responsible for all activity that occurs under your account.

If you are an accountant or firm administrator, you may invite individual users and firm team members. You are responsible for ensuring that the people you invite have a legitimate reason to access the data you share with them.

5. Accountant and firm responsibilities

Where you use the Service as an accountant or firm member acting on behalf of clients:

• You confirm that you have the necessary authority and agreements with your clients
• You confirm that you are appropriately registered and supervised for anti-money laundering (AML) purposes
• You are responsible for the accuracy of submissions made through the Service on behalf of your clients
• You will comply with applicable professional standards (including ICAEW, ACCA, CIOT or other relevant body requirements)

6. HMRC submissions and tax compliance

The Service supports submissions to HMRC, including MTD ITSA quarterly updates and Final Declarations.

You acknowledge that:

• You are legally responsible for the accuracy and completeness of any data submitted to HMRC
• We act on your instructions when initiating submissions; we do not review the content for accuracy
• HMRC's response times, requirements, and APIs are outside our control
• You must keep statutory records for the periods required by HMRC (7 years for most records)

The Service does not constitute tax advice. Consult a qualified tax adviser for advice specific to your circumstances.

7. Third-party integrations

The Service may integrate with third-party services, including (without limitation) QuickBooks, HMRC APIs, open banking providers, and identity verification services. When you enable such an integration:

• You authorise us to exchange relevant data with the third party on your behalf
• The third party's terms of service and privacy policy apply to your use of their service
• We are not responsible for the availability, accuracy, or security of third-party services
• You may disconnect any integration at any time through your account settings

8. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose
• Submit false or misleading information to HMRC or any other authority via the Service
• Attempt to gain unauthorised access to the Service or other users' data
• Reverse-engineer, decompile, or interfere with the operation of the Service
• Upload viruses or malicious code
• Use automated tools (bots, scrapers) to access the Service without our written permission
• Resell, sublicense, or commercially exploit the Service except as expressly permitted (e.g., as an accountant managing clients)

We may suspend or terminate your account if you breach these rules.

9. Intellectual property

We and our licensors own all intellectual property rights in the Service, including software, design, branding, and content (excluding your own data).

You retain ownership of the data you upload. By uploading data, you grant us a limited, non-exclusive licence to host, process, and display that data solely to provide the Service.

10. Data and privacy

Our handling of your personal data is governed by our Privacy Policy, which forms part of these Terms.

11. Service availability

We aim to keep the Service available 24/7 but do not guarantee uninterrupted access. We may need to suspend the Service for maintenance, upgrades, or security reasons. Where reasonably practicable, we will give advance notice of planned downtime.

12. Termination

You may close your account at any time through your account settings or by contacting us.

We may terminate or suspend your account if:

• You materially breach these Terms
• You fail to pay any amounts due (when paid plans apply)
• We are required to do so by law
• We discontinue the Service (with at least 30 days' notice)

On termination, we will retain your data only as long as required by law (see the Privacy Policy retention schedule). You may export your data before termination using the export tools in your account.

13. Limitation of liability

To the maximum extent permitted by law:

• The Service is provided "as is" and we make no warranties of fitness for a particular purpose, merchantability, or non-infringement, except as required by law
• We are not liable for indirect, consequential, or punitive damages, loss of profits, loss of business, loss of goodwill, or loss of data
• Our total aggregate liability to you for any claims arising out of or relating to the Service is limited to the greater of:
  • £100, or
  • The total amount you paid us in the 12 months preceding the event giving rise to the claim

Nothing in these Terms limits liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be limited under applicable law (including statutory consumer rights)

14. Indemnity

You agree to indemnify us against claims, losses, and reasonable legal costs arising from:

• Your breach of these Terms
• Your unlawful or negligent use of the Service
• Inaccurate or misleading data you submit to HMRC or third parties via the Service

15. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified to you by email or through the Service at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

16. Governing law

These Terms are governed by the laws of England and Wales. Any disputes will be resolved in the courts of England and Wales, without prejudice to any rights you have as a consumer under the laws of your country of residence.

17. Contact us

Cadogan Advisory Ltd
167-169 Great Portland Street, 5th Floor
London W1W 5PF
United Kingdom

Email: m.veronese@cadoganadvisory.co.uk
Phone: +44 7535 464167

Company registered in England and Wales.
ICO registration: ZB622871.