Terms of Service

1. Acceptance of Terms

By accessing or using Miint ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

These terms apply to all users, including individual users and organisations.

2. Description of Service

Miint provides financial management tools for sole traders and small businesses, including:

• Transaction categorisation and management
• VAT calculation and reporting tools
• Financial insights and dashboards
• Cryptocurrency portfolio tracking
• AI-powered tax guidance (information only, not professional advice)

3. Account Registration

To use the Service, you must:

• Be at least 18 years old
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorised access
• Be responsible for all activities under your account

4. Acceptable Use

You agree NOT to use the Service to:

• Violate any applicable laws or regulations
• Upload malicious code, viruses, or harmful content
• Attempt to gain unauthorised access to our systems
• Interfere with or disrupt the Service
• Scrape, crawl, or collect data without permission
• Impersonate others or provide false information
• Use the Service for money laundering or financial fraud
• Circumvent usage limits or access controls

6. Cryptocurrency Features Disclaimer

Our cryptocurrency tracking features are for informational purposes only:

• We provide read-only access to public blockchain data
• We do NOT provide investment advice or recommendations
• Tax calculations are estimates and should be verified by a professional
• Cryptocurrency values are volatile; displayed prices may be delayed or inaccurate
• We are not responsible for trading decisions based on our data
• Cost basis calculations use FIFO method; consult an accountant for your specific situation

7. Data Accuracy

You are responsible for:

• The accuracy of data you upload to the Service
• Reviewing and verifying all calculations and reports
• Maintaining your own records for tax and legal compliance
• Ensuring your use complies with applicable accounting standards

While we strive for accuracy, we do not guarantee that calculations, categorisations, or AI-generated content are error-free.

8. Intellectual Property

The Service, including its design, features, and content, is owned by Miint Ltd. You retain ownership of data you upload but grant us a licence to process it to provide the Service.

You may not copy, modify, distribute, or reverse-engineer any part of the Service without our written permission.

9. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted service. We may:

• Perform maintenance with or without notice
• Modify or discontinue features
• Suspend accounts that violate these terms
• Limit access during high-demand periods

10. Fees and Payment

Certain features may require a paid subscription. If applicable:

• Fees are as displayed at time of purchase
• Subscriptions renew automatically unless cancelled
• Refunds are provided in accordance with applicable consumer laws
• We may change pricing with 30 days notice

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• The Service is provided "as is" without warranties of any kind
• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to fees paid in the 12 months prior to the claim
• We are not liable for losses due to incorrect tax filings, missed deadlines, or decisions based on AI-generated content
• We are not liable for third-party service failures

Nothing in these terms excludes liability for death, personal injury, or fraud.

12. Indemnification

You agree to indemnify and hold harmless Miint Ltd from any claims, damages, or expenses arising from your use of the Service, violation of these terms, or infringement of third-party rights.

13. Termination

You may close your account at any time. We may suspend or terminate your account if:

• You violate these terms
• You engage in fraudulent or illegal activity
• Your account poses a security risk
• Required by law

Upon termination, you may request export of your data within 30 days.

14. Changes to Terms

We may update these terms from time to time. Material changes will be notified via email or platform notice at least 30 days in advance. Continued use after changes take effect constitutes acceptance.

15. Governing Law

These terms are governed by the laws of England and Wales. Disputes will be resolved in the courts of England and Wales, except where consumer protection laws provide otherwise.

16. Contact

For questions about these terms:

• Email: legal@miint.money
• Miint Ltd