Subscription Terms & Conditions

1. Acceptance of Terms

1.1 These Terms & Conditions (the “Terms”) govern your use of the Pocket Panda membership provided by TAX CHECK PRO LTD at pocket-panda.co.uk, including access to our online portal and the four membership services described in section 3 (the “Service”).

1.2 By joining our subscription, you agree to be bound by these Terms, our Privacy Policy, and any other policies we publish.

1.3 If you do not agree with any part of these Terms, do not subscribe or continue accessing the Service.

2. Eligibility

2.1 You must be at least 18 years old and legally able to enter into a contract.

2.2 You confirm that the information you submit to us (identity, contact details, employment status and financial information) is accurate, complete, and up to date.

3. Service Description

3.1 Your Pocket Panda membership gives you access to our online portal and these four services:

• Self-Employed Tools: income and expense tracking, document storage, tax estimates, deadline reminders and tax insights.
• Personal Budgeting: budget planner, income and spending tracker, disposable income calculator, spending breakdown, goals planner and monthly summary.
• Bills & Household Finances: a bill organiser and switching deals for energy, mobile and broadband from our partner providers.
• Tax Relief Notifications: information and notifications about tax reliefs and allowances that may be relevant to you.

3.2 Our tools give estimates and general information to help you organise your finances. They are not regulated financial, tax or legal advice.

3.3 Switching deals are provided by our partners. If you switch, your contract for that service is with the provider, on their terms.

3.4 The Service does not include preparing or submitting tax claims, or acting as your tax agent. Tax Relief Notifications tell you about reliefs that may apply to you; making a claim is up to you.

3.5 No-win, no-fee tax claims are a separate service and are not included in your subscription. Where we tell you about that service, it has its own terms and fees, any fee is charged separately from your subscription, and you don't need to be a member to use it.

3.6 The Service is for personal (consumer) use only, not for business tax accounting of companies or complex corporate structures.

3.7 We reserve the right to modify, suspend, or discontinue parts of the Service (temporarily or permanently) with reasonable notice where practicable.

4. Fees, Payment, and Billing

4.1 Pre-Authentication / Card Validation. As part of registration, we will make a £0.15 (fifteen pence) pre-authorization (authorization hold) on your card to confirm its validity. This pre-authorization is not a payment for the Service and will be released by your card issuer per their procedures.

4.2 Subscription Fee & Recurring Billing. After successful registration, we will charge you £23.99 GBP per month, including VAT (the “Subscription Fee”), being our fee of £19.99 plus VAT of £4.00 at the prevailing rate of 20%, on a recurring basis, on or about the same day each month, until you cancel.

4.3 Why we bill. The fee covers continued access to our portal and the four membership services. It does not cover any tax claim, which is a separate service (see 3.5).

4.4 Upgrades / Downgrades / Additional Services. If we introduce tiers or add-ons, those may incur supplementary fees; those will be made clear to you before purchase.

4.5 Late or Failed Payments. If a payment fails (e.g. card declined), we may retry, and you may be notified to update payment details. Continued failure to pay may result in suspension or termination of your access.

4.6 Refunds. Unless mandated by law, subscription fees are not refundable pro rata once paid, except in our sole discretion or if otherwise required.

4.7 Price Changes. We may increase fees from time to time, but will provide advance notice (e.g. at least 30 days) before the change applies to your renewed subscription.

5. Duration, Renewal & Termination

5.1 Your subscription starts on the date you make the first successful payment, and continues monthly, until terminated.

5.2 You may cancel at any time through your account, by calling 0333 344 9063 or by emailing info@pocket-panda.co.uk. Cancellation is effective at the end of the then current billing period; no further charges will be made after that period.

5.3 We may suspend or terminate your access if you breach these Terms, for non-payment, or for misuse.

5.4 After termination or expiry, we may delete or anonymise your data (subject to our Privacy Policy).

6. User Responsibilities & Account Security

6.1 You must keep your login credentials secure.

6.2 You are responsible for all activity under your account.

6.3 You must not use the Service for any unlawful purpose or to upload fraudulent, misleading or harmful content.

7. Intellectual Property

7.1 All rights, titles and interests in the Service, software, algorithms, databases, materials, and content are owned by TAX CHECK PRO LTD or its licensors.

7.2 You are granted a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms.

7.3 You shall not copy, modify, distribute, reverse engineer, decompile, or otherwise attempt to extract the source code, except as permitted by law.

8. Disclaimers & Limitations of Liability

8.1 No Guarantee of Outcomes. Our tools provide estimates and general information. We can't guarantee any saving, tax relief, tax outcome or switching result.

8.2 Use at Your Risk. The Service is provided “as is.” We make reasonable efforts to maintain accuracy and availability, but do not guarantee uninterrupted service, error-free operation, or that all data will be processed without defects.

8.3 Liability Cap. To the maximum extent permitted by law, our aggregate liability for any claim arising out of or in connection with these Terms or the Service shall not exceed the total fees you have paid in the 12 months preceding the event giving rise to liability.

8.4 Exclusions. We are not liable for: (a) indirect, incidental, consequential or special damages (loss of profits, loss of data, etc.); (b) liability arising from your misuse, negligence, breach, or third-party acts; (c) events beyond our control.

9. Changes to the Terms

9.1 We may revise these Terms from time to time (e.g. to reflect service changes or legal requirements).

9.2 We will notify you of material changes (e.g. by email or notice in the portal) with at least 30 days' notice.

9.3 If you do not accept the amended Terms, you must stop using the Service and you may cancel your subscription.

10. Governing Law & Dispute Resolution

10.1 These Terms shall be governed by the laws of England & Wales.

10.2 Any dispute arising shall be subject to the non-exclusive jurisdiction of the English courts.

11. Miscellaneous

11.1 If any provision of these Terms is held invalid or unenforceable, the remainder shall continue in full force.

11.2 The failure or delay by us to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

11.3 You may not assign these Terms or your rights under them without our prior written consent; we may assign to a successor.

11.4 Entire Agreement: these Terms, together with the Privacy Policy and other policies, constitute the entire agreement between you and us regarding the Service.

12. Contact

Email info@pocket-panda.co.uk or call 0333 344 9063. You can also write to TAX CHECK PRO LTD, 50 Princes Street, Ipswich, Suffolk, England, IP1 1RJ.