Terms of Service

1. Agreement and scope

These Terms govern access to and use of Noviqent Accountancy by a business, sole trader, partnership or accountancy/bookkeeping practice customer (Customer). By creating a paid or trial account, or otherwise accessing the Service, the Customer agrees to be bound by these Terms.

The Service is a double-entry bookkeeping and accounting application covering a chart of accounts, bank reconciliation, contacts, invoices, bills, credit notes, and UK tax reports (including VAT, Self Assessment and CIS reports), accessible through a hosted web application.

2. HMRC submission — current manual-filing status

IMPORTANT: Noviqent Accountancy does not currently submit any return, report or figure to HMRC on the Customer's behalf. The Service produces reports — including the VAT Return, Self Assessment preparation reports and CIS returns — formatted to match HMRC's own required layout, for the Customer (or their accountant) to review and submit manually through HMRC's own online services or software.

Noviqent is in the process of testing Making Tax Digital (MTD) integrations directly with HMRC, starting with VAT, to enable submission of returns directly from the Service without manual re-entry. This functionality is not yet live. Noviqent will notify Customers when direct HMRC submission becomes available for a given tax scheme, and submission will remain opt-in — no return will ever be submitted to HMRC automatically without the Customer's explicit action.

Until direct HMRC submission is available and enabled for a Customer's organisation, the Customer remains solely responsible for reviewing every report produced by the Service for accuracy and for submitting all required returns to HMRC by their statutory deadlines, whether directly or through their own accountant.

3. Accuracy of figures and professional advice

The Service is a bookkeeping and calculation tool. It does not provide tax, legal or accountancy advice, and using it does not create an accountant-client relationship with Noviqent. The Customer (or their appointed accountant) remains responsible for the accuracy of the data entered, the appropriateness of the chart of accounts and VAT categorisation applied, and the correctness of every figure before it is relied upon or submitted to HMRC.

Noviqent uses reasonable skill and care in how the Service calculates ledger balances and tax reports from the data supplied, but cannot verify that data entered by the Customer is itself accurate or complete.

4. Practice mode and multi-client access

Where a Customer is an accountancy or bookkeeping practice, the Service allows one login to be granted access to multiple client organisations with defined roles. The practice is responsible for the conduct of its own staff and for obtaining any authorisation it needs from its clients to access and process their financial data through the Service.

5. Data protection

Where the Customer determines the purposes and essential means of processing its own (or its clients') financial data, and Noviqent processes that data on the Customer's behalf, the Customer is the Controller and Noviqent is the Processor. A Data Processing Agreement forms part of these Terms and is available on request.

See the Privacy Notice for further detail on how personal data is processed.

6. Accounts and credentials

The Customer is responsible for activity through its authorised accounts. Credentials must be kept confidential and revoked or rotated when compromise is suspected. Bank feed, email and storage integrations are connected using the Customer's own third-party credentials, which Noviqent stores encrypted and uses only to operate the Service on the Customer's instructions.

7. Fees, subscriptions and free trial

New organisations receive a 30-day free trial with full access to the Service. No payment is collected during the trial. A Direct Debit mandate is set up via GoCardless at signup, and the first payment is collected only once the trial period ends, at the fee and billing frequency shown at checkout. Fees are exclusive of VAT unless stated otherwise.

Recurring subscriptions renew for the period stated at purchase unless cancelled beforehand. Late or failed payment may result in suspension of access after reasonable notice.

8. Availability and changes to the Service

Noviqent will use reasonable skill and care in operating the Service. Planned maintenance may temporarily affect availability. Noviqent may modify or extend the Service, including adding direct HMRC submission for a given tax scheme once available, provided it does not materially remove paid core functionality without reasonable justification.

9. Intellectual property

Noviqent retains all intellectual-property rights in the Service, its software, reports, templates and branding. The Customer is granted a limited, non-exclusive, non-transferable right to access and use the Service for its own (or, for a practice, its clients') internal accounting purposes during the subscription term.

10. Customer data

As between the parties, the Customer retains all rights in its own financial data entered into the Service. Noviqent will not use Customer financial data to train general-purpose AI models. On termination, the Customer's data will be made available for export for a reasonable period, then deleted in accordance with the Privacy Notice.

11. Liability

Nothing in these Terms excludes or limits liability where it cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

Subject to the preceding sentence, neither party is liable for indirect or consequential loss, and each party's aggregate liability in any twelve-month period is limited to the fees paid by the Customer for the Service during that period.

Noviqent is not liable for penalties, interest or other consequences arising from a return submitted late, incorrectly, or not at all, where the Customer (or their accountant) was responsible for reviewing and manually filing that return with HMRC.

12. Term and termination

Either party may terminate for material breach not remedied within a reasonable written cure period. Either party may cancel a subscription in accordance with the billing controls provided in the Service.

13. Changes to these Terms

Noviqent may update these Terms for legal, regulatory, security or service reasons — including once direct HMRC submission becomes available, at which point these Terms will be updated to describe that functionality and any additional conditions on its use. Noviqent will provide reasonable notice of material changes.

14. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, unless the parties expressly agree otherwise in writing.

15. Notices

Contractual notices may be sent to the contact details recorded in the Customer account, or to hello@noviqent.co.uk.