Terms of Service

1. About TaxPigeon

TaxPigeon is a digital record-keeping and tax preparation assistant delivered via WhatsApp, operated by Rivara Consulting Ltd, a company registered in England and Wales. TaxPigeon helps self-employed individuals, freelancers, and small business owners organise receipts and income records, and prepare Making Tax Digital (MTD) submissions to HMRC.

2. Eligibility

To use TaxPigeon, you must:

• Be at least 18 years of age
• Be a UK taxpayer using the service for lawful purposes
• Have the authority to submit tax information to HMRC on your own behalf (or be duly authorised to act on behalf of a business)
• Provide accurate information when registering and using the service

By using TaxPigeon, you confirm that you meet these eligibility requirements. We reserve the right to suspend or terminate access if we have reason to believe eligibility requirements are not met.

3. Your Account and Security

Access to TaxPigeon is linked to your WhatsApp number. You are responsible for:

• Keeping your WhatsApp account and any dashboard credentials secure and confidential
• All activity that takes place through your account, whether authorised by you or not
• Notifying us immediately at support@taxpigeon.co.uk if you suspect unauthorised access to your account
• Ensuring that any HMRC OAuth authorisation you grant through TaxPigeon reflects your genuine intent

4. The Service We Provide

5. Your Responsibilities

You are solely responsible for the accuracy and completeness of all information you submit through TaxPigeon. Specifically, you must:

• Ensure all income, expenses, and receipts you log are genuine, accurate, and relate to your trade or business
• Review all AI-categorised expenses before accepting or submitting them — AI categorisation is an aid, not a final determination
• Review your quarterly figures carefully before authorising any HMRC submission
• Maintain your own underlying records and source documents as required by HMRC — TaxPigeon is not a substitute for your record-keeping obligations
• Meet all applicable HMRC deadlines — it is your responsibility to know your filing obligations
• Notify us promptly if any data stored in TaxPigeon is inaccurate so we can correct it

6. Acceptable Use

You agree to use TaxPigeon only for lawful purposes and in accordance with these Terms. You must not:

• Submit false, fabricated, or fraudulent information to HMRC through TaxPigeon
• Use the service to facilitate tax evasion or any other illegal activity
• Attempt to access, interfere with, or compromise the accounts or data of any other user
• Reverse engineer, decompile, or attempt to extract the source code of any part of TaxPigeon
• Use automated scripts, bots, or other tools to interact with TaxPigeon in a manner not intended for human users
• Transmit malicious code, viruses, or any content designed to harm the service or its users
• Use the service in any way that could damage our reputation or that of our partners
• Resell, sublicense, or otherwise commercialise access to TaxPigeon without our prior written consent

Breach of these acceptable use provisions may result in immediate account suspension, termination, and where appropriate, referral to relevant authorities.

7. AI-Powered Features

TaxPigeon uses artificial intelligence to analyse receipts and categorise expenses. You acknowledge and accept that:

• AI categorisation is probabilistic and may not always be correct
• You are responsible for reviewing and confirming all categorisations before they form part of your tax records
• We make no warranty that AI outputs are accurate, complete, or suitable for your specific tax circumstances
• Your receipt images are processed by Anthropic's AI systems under a data processing agreement — see our Privacy Policy for full details

The AI tools we use are designed to assist, not replace, your own judgement and the advice of qualified professionals where relevant.

8. HMRC Integration

If you choose to authorise TaxPigeon to submit MTD returns to HMRC on your behalf:

• You grant us a limited, revocable authorisation to interact with HMRC's MTD API solely for the purpose of submitting your quarterly income summaries
• This authorisation does not make us your tax agent for any other purpose
• You remain solely responsible for the accuracy and timeliness of all submissions
• You can revoke this authorisation at any time from your dashboard or by contacting us
• We will only submit to HMRC after you have explicitly confirmed the figures are correct

TaxPigeon is not responsible for any HMRC penalties, interest charges, or compliance failures arising from inaccurate information you have provided or from your failure to review submissions before authorisation.

9. Fees and Payment

Details of subscription fees, free trial periods, and payment terms are set out at taxpigeon.co.uk/pricing. The following general terms apply:

• Fees are quoted in pounds sterling and are inclusive of VAT where applicable
• Subscriptions renew automatically unless cancelled before the renewal date
• You may cancel at any time; cancellation takes effect at the end of the current billing period — no partial refunds unless required by law
• We reserve the right to change our fees on not less than 30 days' written notice
• If payment fails, we may suspend access to the service until payment is received

10. Intellectual Property

All intellectual property rights in TaxPigeon — including the software, AI models, branding, and content — are owned by or licensed to Rivara Consulting Ltd. You are granted a limited, non-exclusive, non-transferable licence to use the service for your personal or business tax record-keeping purposes only.

You retain ownership of all data and records you submit to TaxPigeon. By submitting content, you grant us a limited licence to process and store that content solely for the purposes of providing the service to you.

11. Limitation of Liability

12. Indemnity

You agree to indemnify, defend, and hold harmless Rivara Consulting Ltd, its directors, employees, and subcontractors from and against any claims, losses, damages, and costs (including reasonable legal fees) arising from:

• Your breach of these Terms
• Your submission of inaccurate, false, or fraudulent information to HMRC or to TaxPigeon
• Your violation of any applicable law or third-party rights

13. Suspension and Termination

14. Changes to the Service and These Terms

We may update TaxPigeon or these Terms from time to time. When we make material changes, we will:

• Notify you via WhatsApp at least 14 days before the changes take effect
• Update the 'Last updated' date at the top of this document

Your continued use of TaxPigeon after the effective date of updated Terms constitutes your acceptance of the changes. We will not make changes that reduce your rights under these Terms without giving you the opportunity to exit.

15. Governing Law and Disputes

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales.

We hope that any concerns can be resolved quickly and informally. If you have a complaint, please contact us at support@taxpigeon.co.uk in the first instance. We will acknowledge your complaint within 5 business days and aim to resolve it within 20 business days. If we are unable to resolve a dispute informally, both parties agree to submit to the exclusive jurisdiction of the courts of England and Wales.

16. General

17. Contact

If you have any questions about these Terms, please contact us:

We aim to respond to all enquiries within 5 business days.