TERMS OF SERVICE

Effective date: 05 January 2026
Last updated: 05 January 2026

1. Agreement to These Terms

These Terms of Service (“Terms”) govern your access to and use of the Kletta software platform, mobile application, web application and any related services (together, the “Kletta Platform”).

By clicking to accept these Terms, creating an account, or using the Kletta Platform, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, you must not use the Kletta Platform.

Kletta may update these Terms from time to time. Continued use of the Kletta Platform after updated Terms take effect constitutes acceptance of those changes.

2. Parties and Definitions

These Terms form a legally binding agreement between:

• You – a self-employed individual carrying on a business as a sole trader in the United Kingdom for UK tax purposes, who is registered (or required to be registered) with HM Revenue & Customs, and who agrees that these Terms are governed by the laws of England and Wales (“you”, “your”); and
  
  
• Kletta Limited – a company incorporated in England and Wales (“Kletta”, “we”, “us”, “our”).
  
  

References to Kletta include any affiliated entity or professional services provider engaged by Kletta to deliver parts of the services, including Accounting Insight Limited or another authorised accounting or tax services provider.

3. Scope of the Kletta Services

3.1 Platform Services

Kletta provides a digital platform designed to assist sole traders with:

• bookkeeping and record-keeping;
  
  
• tracking income, expenses and mileage;
  
  
• producing financial summaries and tax estimates;
  
  
• preparing and submitting tax information;
  
  
• supporting compliance with HMRC requirements (including MTD for Income Tax);
  
  
• onboarding, support and related administrative services.
  
  

3.2 Service Plans

Kletta offers various service plans and service levels, which may include software-only access, onboarding support, review services, submission assistance or agent-assisted services.

The exact scope of services depends on the plan you select and any additional services you purchase. Kletta may modify, introduce or discontinue plans, features or service elements at any time.

4. No Professional Advice

4.1 Informational Use Only

The Kletta Platform does not provide legal, tax or accounting advice. Any information, guidance, calculations, insights or outputs generated by the Kletta Platform:

• are provided for general informational and administrative purposes only; and
  
  
• are based solely on the information you provide.
  
  

4.2 No Reliance

You must not rely on the Kletta Platform as a substitute for professional judgment. You are responsible for deciding whether to seek independent professional advice.

5. Client Responsibility and Accuracy

You acknowledge and agree that:

1. you are solely responsible for the accuracy, completeness and timeliness of all information you enter, upload, approve or submit through the Kletta Platform;
   
   
2. you must review all records, calculations, summaries and submissions before they are finalised or submitted;
   
   
3. under HMRC rules, you remain legally responsible for the accuracy and completeness of all information submitted to HMRC, whether submitted by you directly or by an authorised agent acting on your behalf;
   
   
4. all tax liabilities, penalties, interest and compliance obligations remain your responsibility.
   
   

Kletta is entitled to rely on the information you provide without independent verification.

6. Authority to Act and HMRC Agency

6.1 Agent Authorisation

Where you explicitly authorise Kletta or an affiliated accounting firm (such as Accounting Insight Limited), you appoint them as your agent for UK tax purposes only, in accordance with HMRC agent authorisation rules.

This authority may include, within the scope you approve:

• interacting with HMRC;
  
  
• submitting tax information, updates or returns;
  
  
• accessing HMRC systems and tax records;
  
  
• receiving HMRC correspondence.
  
  

6.2 Limits of Authority

Any authority granted:

• is limited to the scope approved by you;
  
  
• does not transfer ownership or responsibility for your tax affairs;
  
  
• may be withdrawn by you at any time via HMRC or written notice.
  
  

Even where an agent submits information on your behalf, ultimate responsibility remains with you.

7. Open Banking and Third-Party Services

Where you choose to connect bank accounts or third-party services:

• you grant consent for read-only access via regulated providers;
  
  
• such access is subject to third-party terms and privacy policies;
  
  
• Kletta is not responsible for errors, delays or outages caused by third-party systems.
  
  

You may withdraw Open Banking consent at any time.

8. Intellectual Property Rights

All intellectual property rights in the Kletta Platform belong to Kletta or its licensors.

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Kletta Platform for your own business purposes in accordance with these Terms.

9. Acceptable Use

You must not:

• use the Kletta Platform unlawfully or fraudulently;
  
  
• interfere with its operation or security;
  
  
• copy, modify, reverse engineer or attempt to derive source code;
  
  
• use the Kletta Platform to compete with Kletta;
  
  
• misuse support services or submit false information.
  
  

10. Fees and Payment

Fees are payable in advance in accordance with your selected plan. Kletta may suspend access for non-payment. Fees are non-refundable except where required by law.

11. Suspension and Termination

Kletta may suspend or terminate your access immediately if:

• you breach these Terms;
  
  
• required consents or authorities are withdrawn;
  
  
• continued provision would be unlawful or non-compliant.
  
  

Upon termination, access to the Kletta Platform ends, but your legal and tax responsibilities remain unaffected.

12. Limitation of Liability

Nothing in these Terms limits or excludes liability for fraud, or for death or personal injury caused by negligence.

Subject to that:

• all implied warranties are excluded to the fullest extent permitted by law;
  
  
• Kletta is not liable for indirect, consequential or economic loss, including HMRC penalties, interest, loss of profits or loss of data;
  
  
• Kletta’s total liability is capped at the fees paid by you in the 12 months preceding the claim.
  
  

13. Indemnity

You agree to indemnify and hold harmless Kletta from any claims, penalties, liabilities or costs arising from:

• inaccurate or incomplete information you provide;
  
  
• your failure to comply with tax or legal obligations;
  
  
• actions taken by HMRC based on your data or instructions.
  
  

14. Privacy and Data Protection

Personal data is processed in accordance with Kletta’s Privacy Policy. You acknowledge that tax and financial records may be retained to comply with legal and regulatory obligations.

15. Force Majeure

Kletta is not liable for delay or failure caused by events beyond its reasonable control.

16. Governing Law and Jurisdiction

These Terms and any non-contractual obligations are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction.

17. Contact

For questions or complaints, contact:
📧 support@kletta.com