dough

Terms of Service

1. Acceptance of Terms

By downloading, accessing, or using the dough app and website (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

DOUGH TAX LTD ("we," "us," "our," or "dough") reserves the right to modify these Terms at any time. Changes become effective upon posting. Your continued use of the Service constitutes acceptance.

2. Description of Service

dough is a bookkeeping, invoicing, and tax estimation app designed for UK sole traders and skilled trades professionals. The Service provides:

  • Invoice creation and management
  • Expense and mileage tracking
  • Receipt capture (photo upload)
  • Live tax pot and tax estimate calculations
  • Making Tax Digital (MTD) and Self Assessment support
  • AI chat assistant for tax and bookkeeping guidance
  • Open Banking integration (optional)
  • Data export and backup

The Service is provided on an "as-is" and "as-available" basis. We do not guarantee that the Service will be uninterrupted, error-free, or meet all your needs.

3. Eligibility

You confirm that:

  • You are at least 18 years old.
  • You are a UK resident or operate a sole trader business in the UK.
  • You are not prohibited by law from using the Service.
  • You create your account using truthful, accurate information.
  • You will not impersonate others or create multiple accounts for fraudulent purposes.

We reserve the right to terminate your account if you breach these eligibility requirements.

4. User Account and Responsibilities

Account Creation

  • You are responsible for maintaining the confidentiality of your password and account credentials.
  • You are liable for all activity on your account, whether or not authorized by you.
  • Notify us immediately if you suspect unauthorized access.

Your Responsibilities

  • You agree not to use the Service for illegal purposes or to violate UK law.
  • You will not upload, store, or transmit malicious software, viruses, or harmful code.
  • You will not reverse-engineer, copy, or attempt to extract the app's source code.
  • You will comply with all applicable laws, including data protection and tax law.

5. Intellectual Property

All content in the Service—including the app code, design, graphics, text, trademarks, and logos—is our property or licensed to us. You have a limited, non-exclusive, non-transferable license to use the Service for personal business purposes only.

You do not own or have rights to any content or features in dough. You may not:

  • Reproduce, distribute, or resell the app.
  • Create derivative works or modifications.
  • Extract or reuse our intellectual property.

6. User-Generated Content

Your financial data, invoices, and chat messages are your own. By using dough, you grant us the right to:

  • Store and process this data to provide the Service.
  • Send your chat messages to Amazon Bedrock (AWS's AI service) to generate responses.
  • Use anonymized, aggregated data for service improvement (without identifying you).

You retain all rights to your data and may export or delete it at any time via your account settings.

7. Acceptable Use Policy

You agree not to:

  • Use the Service for unlawful, fraudulent, or deceptive purposes.
  • Harass, threaten, or abuse our support team.
  • Attempt to gain unauthorized access to our systems.
  • Engage in spam, phishing, or malicious activities.
  • Violate UK tax law or provide false tax information to HMRC.
  • Upload illegal content.
  • Use automated tools, bots, or scrapers to access the Service (except as expressly permitted).

Breach of this section may result in immediate account suspension or termination.

8. Limitation of Liability

To the maximum extent permitted by UK law:

dough is provided "as-is." We do not warrant that:

  • The Service will be uninterrupted, error-free, or meet your expectations.
  • Data will never be lost or corrupted.
  • The Service is free from bugs or security vulnerabilities.

We are not liable for:

  • Loss of data, income, or business opportunity.
  • Incorrect tax calculations, estimates, or advice.
  • Reliance on the Service without professional tax advice.
  • Third-party services (TrueLayer, AWS, Stripe, Apple, Google).
  • Unauthorized access due to your negligence.
  • Indirect, incidental, or consequential damages.

Our total liability to you shall not exceed the subscription fee you paid in the 12 months preceding the claim, or £100, whichever is greater.

9. Tax and Legal Advice Disclaimer

dough is a tool only and does not constitute professional tax, accounting, or legal advice. While we aim to provide accurate information, we do not guarantee the accuracy of calculations, estimates, or recommendations.

You are solely responsible for:

  • Verifying all tax information before submitting to HMRC.
  • Consulting a qualified accountant or tax advisor for complex matters.
  • Ensuring compliance with UK tax law and regulations.
  • Maintaining accurate financial records.

We are not liable for errors, penalties, or losses arising from reliance on the Service without professional advice.

10. Third-Party Services

The Service integrates with third parties, including:

  • TrueLayer (Open Banking)
  • Stripe (Payments)
  • Amazon Web Services (Hosting and AI)
  • Apple / Google (App distribution and push notifications)

We are not responsible for these third parties' services, privacy practices, or availability. Use of these services is subject to their own terms and privacy policies.

11. Data and Privacy

For information about how we collect and use your data, see our Privacy Policy.

12. Payment and Billing

  • Subscription fees are charged according to your selected plan (displayed at purchase).
  • Payment is processed securely via Stripe. dough does not store card details.
  • Refunds are subject to our Refund Policy (see your account settings or contact support).
  • We reserve the right to change pricing with 30 days' notice.

13. Termination

By You

You may cancel your subscription and delete your account at any time via Account Settings → Delete Account. Your account and data will be deleted within 30 days.

By Us

We may terminate or suspend your account if you:

  • Breach these Terms of Service.
  • Engage in illegal activity or fraud.
  • Violate our Acceptable Use Policy.
  • Do not pay your subscription fee.

We will provide notice where practicable, except where termination is necessary for security or legal reasons.

14. Indemnification

You agree to indemnify and hold harmless dough, its directors, employees, and agents from any claims, damages, or costs (including legal fees) arising from:

  • Your use of the Service.
  • Your breach of these Terms.
  • Your infringement of third-party rights.
  • Your violation of UK law.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of England and Wales, without regard to conflict of laws principles.

Disputes

  1. Good faith negotiation: If a dispute arises, we will attempt to resolve it through good faith discussion within 30 days.
  2. Mediation: If unresolved, we may proceed to mediation.
  3. Jurisdiction: Any legal action shall be brought exclusively in the courts of England and Wales.

16. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and dough.

18. Contact Us

For questions, disputes, or support:

  • Email: privacy@dough.tax
  • Mailing address: 20 Wenlock Road, London, England, N1 7GU

Last modified: 24 September 2026

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