Terms of Service

1. Agreement to Terms

By accessing or using Tax Is Hard ("the Service"), operated by COGA AI Limited ("we", "us", or "our"), a company registered in England and Wales, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Tax Is Hard provides online tax estimation and scenario modelling tools for UK taxpayers, including:

• Income tax estimations for individuals and employees
• Corporation tax estimations for limited companies
• Dividend tax estimations
• National Insurance estimations
• R&D tax relief estimations
• Multi-year tax planning illustrations
• Salary and dividend scenario modelling

3. Important Disclaimers

3.1 Not Financial or Tax Advice

The Service does not provide financial, tax, legal, or accounting advice. All calculations, suggestions, and information provided are for informational and planning purposes only. The Service is designed to help you explore potential tax scenarios but should not be relied upon as professional advice.

3.2 Regulatory Status

COGA AI Limited is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide regulated financial advice. If you require advice on investments, pensions, or other regulated financial products, please consult an FCA-authorised adviser.

3.3 HMRC Disclaimer

Our estimations are based on our interpretation of publicly available HMRC guidance and UK tax legislation. Tax rules are complex and subject to change. HMRC may interpret rules differently. You are responsible for verifying all estimations with HMRC or a qualified tax professional before making any tax-related decisions or submissions.

3.4 Accuracy of Estimations

While we strive for accuracy, we cannot guarantee that our estimations are error-free or complete. Tax situations vary significantly based on individual circumstances that our tools may not fully account for. Factors such as:

• Your specific employment status and contracts
• Previous tax years and carried-forward losses
• International tax obligations
• Specific HMRC rulings applicable to your situation
• Recent changes to tax legislation

may affect your actual tax liability in ways our tools cannot predict.

3.5 Professional Advice Recommendation

We strongly recommend that you consult with a qualified accountant, tax adviser, or financial adviser before:

• Making significant financial decisions based on our estimations
• Submitting tax returns to HMRC
• Restructuring your business or employment arrangements
• Claiming tax reliefs such as R&D tax credits
• Making pension contributions or withdrawals

4. User Accounts

To access certain features, you may need to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorised use
• Ensuring your account information is accurate and up-to-date

5. Subscription and Payments

5.1 Free Tier

We offer a free tier with limited features. Free tier users may access basic estimations with usage limits as described on our pricing page.

5.2 Paid Subscriptions

Paid subscriptions (Pro and Business tiers) are billed monthly or annually as selected at checkout. By subscribing, you authorise us to charge your payment method on a recurring basis until you cancel.

5.3 Cancellation and Your Right to Cancel

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period.

14-Day Cooling-Off Period: Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel your subscription within 14 days of purchase for a full refund, without giving any reason. To exercise this right, simply cancel your subscription from your account settings — the refund is processed automatically. Refunds will typically arrive within 5-10 business days using the same payment method used for the original purchase.

5.4 VAT

All subscription prices include 20% UK VAT. VAT receipts are available through the Stripe billing portal accessible from your account settings.

5.4 Price Changes

We reserve the right to change our prices. We will provide at least 30 days' notice before any price increase takes effect for existing subscribers.

5.5 Optional Boosts and Rewarded Ads

Free tier users may optionally purchase extra usage (boosts) or watch a rewarded ad to unlock additional runs. Ads are only shown when you explicitly start them. No third-party ads appear elsewhere in the Service.

5.6 Accountants, Workspaces, and Clients

If you use the Service to manage client scenarios, you are responsible for obtaining client consent to store their data and for ensuring any data you share is accurate. You must not upload client data without appropriate authorisation.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or to facilitate tax evasion
• Attempt to gain unauthorised access to our systems
• Interfere with or disrupt the Service
• Use automated systems to access the Service without permission
• Resell or redistribute the Service without authorisation
• Submit false or misleading information
• Present the Service's output as professional tax or financial advice to third parties

7. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, algorithms, and software, are owned by COGA AI Limited and are protected by UK and international copyright, trademark, and other intellectual property laws.

8. Limitation of Liability

To the maximum extent permitted by applicable law:

• The Service is provided "as is" and "as available" without any warranty of any kind, whether express or implied, including but not limited to warranties of accuracy, fitness for a particular purpose, or merchantability
• COGA AI Limited, its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
• We shall not be liable for any losses arising from reliance on estimations or information provided by the Service
• Our total aggregate liability for any claims arising from your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim
• We are not liable for any penalties, interest, or additional tax assessed by HMRC as a result of using our Service

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

9. Indemnification

You agree to indemnify and hold harmless COGA AI Limited, its directors, officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Service, your reliance on any information it provides, or your violation of these Terms.

10. Data Protection

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of the Service 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 unenforceable, the remaining provisions will continue in full force and effect.

15. Complaints Procedure

If you are unhappy with any aspect of our Service, please contact us first at support@tax-is-hard.com. We will acknowledge your complaint within 2 business days and aim to resolve it within 14 business days.

If we cannot resolve your complaint to your satisfaction, you may refer the matter to an alternative dispute resolution (ADR) provider. In accordance with the Alternative Dispute Resolution for Consumer Disputes (Competent Authorities and Information) Regulations 2015, we are required to inform you that you can use the UK's certified ADR providers listed at gov.uk/adr. We are not currently a member of an ADR scheme but will engage in good faith with any ADR process you initiate.

16. Contact Us

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

• Email: legal@tax-is-hard.com
• Company: COGA AI Limited (company number: 16036396)
• Address: Apt 4, Montague House, 5 Ash Tree Close, BR6 7FH