Calceum

Terms of Service

Welcome to Calceum. These Terms of Service (“Terms”) set out the rules for using our Website, our bookkeeping and tax management software, and all related services. Please read them carefully before using our services.

By creating an account or using our services, you confirm that you accept these Terms and agree to comply with them. If you do not agree, you must not use our Website or services.

1. About Calceum

Calceum Limited (“Calceum”, “we”, “us”, “our”) is a limited company incorporated in England and Wales with registered company number 17240312 and registered address at Red Gables, West Common, Harpenden, England, AL5 2JQ.

You can contact us at support@calceum.com or via the contact page on our Website.

2. Definitions

In these Terms:

  • “Account” means the user account you create to access our Services.
  • “Customer Data” means any data, information, documents, receipts, invoices, bank statements or other materials you upload, enter or transmit through our Services.
  • “Services” means the Calceum bookkeeping and tax management software, including all features accessible through our Website and applications.
  • “Website” means calceum.com and all associated subdomains.

3. Our Services

Calceum provides bookkeeping and tax management software designed for sole traders and landlords. Our Services include:

  • Digital bookkeeping and transaction management
  • AI-assisted transaction categorisation
  • Receipt and invoice processing
  • Bank statement upload and import
  • Sending quarterly updates and submitting tax returns to HMRC
  • Self-employment and property income period management

Our Services are tools to assist you with your bookkeeping and tax obligations. We do not provide tax advice, tax planning, legal advice, or accounting services. You should obtain professional advice before making decisions based on information provided through our Services.

4. Account Registration

To use our Services, you must create an Account. You must provide accurate and complete information when signing up and keep your Account information up to date.

You are responsible for maintaining the security of your Account. You must notify us immediately at support@calceum.com if you become aware of any unauthorised use of your Account.

We may disable or suspend your Account at any time if, in our reasonable opinion, you have failed to comply with these Terms.

5. Your Responsibilities

5.1 Data Accuracy

You have sole responsibility for the legality, reliability, integrity, accuracy and quality of all Customer Data. You must ensure that all information you enter or upload is accurate and complete.

You must verify the accuracy of any data before sending a quarterly update or submitting your tax return. Calceum processes and transmits your data as provided. We do not independently verify the accuracy of your income figures, expense claims or any other Customer Data.

5.2 Tax Compliance

You remain solely responsible for meeting all of your tax compliance obligations, including but not limited to:

  • Sending quarterly updates and submitting your tax return by the applicable deadlines
  • Ensuring the accuracy of all data sent to HMRC
  • Maintaining adequate records as required by HMRC
  • Paying any tax due by the applicable deadlines

You must not rely solely on our Services to meet your deadlines. While we may send reminders or notifications, these are provided as a courtesy only and we accept no liability if notifications are delayed, inaccurate or not received. You are responsible for knowing and meeting your own deadlines, including in circumstances where our Services are temporarily unavailable.

5.3 Lawful Use

You must use our Services only for lawful purposes. You must not use our Services to send false, fraudulent or misleading information to HMRC or any other party.

6. Sending Information to HMRC

When you use our Services to send quarterly updates or submit your tax return, you authorise us to transmit that data to HMRC on your behalf.

We are required by law to collect and transmit certain device information (such as your IP address, browser type, timezone and operating system) to HMRC as fraud prevention data. This is a statutory requirement and is not optional. Further details are set out in our Privacy Policy.

Once data has been sent to HMRC, it cannot be reversed or withdrawn through our Services. If you need to correct or amend your tax return, you must do so in accordance with HMRC’s procedures.

7. Subscription and Payment

7.1 Plans and Pricing

Our Services are offered on a subscription basis. Details of our available plans and pricing are published on our Website and may be updated from time to time. We will give you reasonable notice of any price changes.

7.2 Billing

Subscription fees are charged in advance on a recurring basis (monthly or annually, depending on your selected plan). Payments are processed through our third-party payment provider. You authorise us to charge your chosen payment method for all fees due.

7.3 Free Tier

Certain features of our Services may be available on a free tier. We reserve the right to modify, limit or discontinue the free tier at any time with reasonable notice.

7.4 No Refunds

Subscription fees are non-refundable except where required by applicable consumer law or where we terminate your Account due to our breach of these Terms. If we make a material change to the Services that significantly reduces their functionality, you may cancel your subscription and we will provide a pro-rata refund for any unused portion of a pre-paid period.

7.5 Non-Payment

If payment fails or your subscription lapses, we may restrict or suspend access to your Account and Services. If your Account remains unpaid for more than 90 days, we may delete your Account and associated Customer Data in accordance with Section 11.

8. Intellectual Property

We are the owner or licensee of all intellectual property rights in our Website, software and Services. These are protected by copyright and other intellectual property laws.

You retain all ownership rights in your Customer Data. By using our Services, you grant us a limited licence to use, store, process and transmit your Customer Data solely for the purpose of providing the Services to you.

Our name, logo and other brand marks are the property of Calceum Limited. You may not use them without our prior written permission.

9. Service Availability

We use commercially reasonable endeavours to make our Services available 24 hours a day, 7 days a week. However, we do not guarantee uninterrupted access.

We may suspend or restrict access to our Services from time to time for maintenance, updates, security reasons, or other operational purposes. Where reasonably practicable, we will give advance notice of planned maintenance.

We are not liable for any loss, damage, penalty or fine arising from the unavailability of our Services, including where unavailability coincides with a tax deadline. You are responsible for ensuring that you allow sufficient time before any deadline, including allowance for possible service interruptions.

10. Limitation of Liability

10.1 Nothing Excluded Unlawfully

Nothing in these Terms excludes or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited under applicable law.

10.2 Liability Cap

Subject to clause 10.1, our total aggregate liability to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with these Terms shall not exceed the total fees paid by you to us in the 12 months immediately preceding the event giving rise to the claim.

10.3 Excluded Losses

Subject to clause 10.1, we shall not be liable to you for:

  • Loss of profits, sales, business or revenue
  • Business interruption
  • Loss of anticipated savings
  • Loss of business opportunity, goodwill or reputation
  • Loss or corruption of data (except where caused by our negligence)
  • Any fines, penalties, interest charges or surcharges imposed by HMRC or any other authority
  • Any losses arising from legal, tax or accounting compliance issues
  • Any indirect or consequential loss or damage

10.4 No Tax Advice Warranty

Our Services are provided on an “as is” and “as available” basis. We make no representations, warranties or guarantees regarding the accuracy, completeness or suitability of any calculations, categorisations, or other outputs generated by our Services. You are responsible for reviewing and verifying all information before relying on it or sending it to HMRC.

11. Termination and Data

11.1 Termination by You

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

11.2 Termination by Us

We may terminate or suspend your Account immediately if you breach these Terms or if we are required to do so by law. We may also terminate your Account on 30 days’ written notice for any reason.

11.3 Data Export

Before closing your Account, you are responsible for downloading or exporting any Customer Data you wish to retain. We provide a data export feature within the Services for this purpose.

If your Account is terminated by us, we will give you a reasonable period (not less than 30 days) to export your Customer Data before it is deleted, unless we are required by law to delete it sooner.

11.4 Data Retention After Termination

Following Account closure, we will delete your personal data within 30 days, except where we are required by law to retain it (for example, tax records must be retained for at least six years after the end of the relevant tax year). Any data retained for legal or regulatory purposes will be held securely and used only for those purposes.

If your Account is inactive and unpaid for more than 90 days, we reserve the right to delete all associated Customer Data. If your subscription lapses and is not renewed within 12 months, we may delete your Account and all associated data.

11.5 Survival

Clauses 5 (Your Responsibilities), 8 (Intellectual Property), 10 (Limitation of Liability), 11.4 (Data Retention After Termination), 13 (Complaints) and 15 (Governing Law) shall survive the termination or expiry of these Terms.

12. Privacy

We process your personal information in accordance with our Privacy Policy, which is available on our Website and forms part of these Terms.

13. Complaints

If you are unhappy with any aspect of our Services, please contact us at support@calceum.com. We will acknowledge your complaint within two business days and aim to resolve it as quickly as possible.

14. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or through a notice within the Services at least 30 days before the changes take effect. Your continued use of our Services after the changes take effect constitutes your acceptance of the revised Terms.

15. Governing Law

These Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law.

If you are a consumer resident in England or Wales, the courts of England and Wales will have jurisdiction. If you are a consumer resident in Scotland, you may bring proceedings in Scotland. If you are a consumer resident in Northern Ireland, you may bring proceedings in Northern Ireland.

If you are a business, we both agree to the exclusive jurisdiction of the courts of England and Wales.

16. General

If any provision of these Terms is found to be invalid, illegal or unenforceable by any court or competent authority, that provision will be deemed deleted and the remaining provisions will continue in full force and effect.

No delay or failure by either party to exercise any right or remedy under these Terms shall constitute a waiver of that right or remedy.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us in relation to your use of our Services and supersede all previous agreements, representations and arrangements between us.

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to: natural disasters, pandemics, acts of government, failure of third-party services, power failures, internet or telecommunications failures, or cyber attacks. During any such period, you remain responsible for meeting your own tax obligations.

17. Security

You must not misuse our Services by knowingly introducing viruses, trojans, worms or other malicious software. You must not attempt to gain unauthorised access to our Services, our servers, or any connected systems. Any such breach may constitute a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities.

If you discover a security vulnerability, please report it to us immediately at security@calceum.com.

18. Contact Us

If you have any questions about these Terms, please contact us at support@calceum.com.