Terms and conditions

VATflow is operated by United Fintec Limited (Companies House registration number 10216969), a company registered in England and Wales with registered office at 3 Greer Garson Road, Denham, Uxbridge, UB9 5FP, United Kingdom.

These terms govern your access to and use of VATflow (the “service”). By creating an account or using the service you agree to these terms.

VATflow is a Making Tax Digital (MTD) compatible submission tool for UK VAT-registered businesses. We facilitate the submission of VAT returns to HMRC’s MTD API and the retention of digital records associated with those submissions.

VATflow is not an accountancy service and does not provide tax advice. You are responsible for the accuracy of the data you submit. We do not verify or audit the figures you submit beyond the structural validations required by HMRC’s API.

You must provide a valid email address to register. You are responsible for keeping your account credentials confidential and for any activity that occurs under your account.

We require multi-factor authentication on accounts that initiate VAT submissions. You must promptly notify us at contact@unitedfintec.com if you suspect unauthorised access to your account.

You must be at least 18 years old and authorised to act on behalf of any VAT-registered business you connect to the service.

To submit VAT returns through VATflow you must authorise the service to act on your behalf via HMRC’s OAuth grant flow. This authorisation is stored as an encrypted access token and an encrypted refresh token. You can revoke authorisation at any time, either from inside VATflow (by removing the company from your workspace) or directly via your HMRC online account.

Submissions made to HMRC through VATflow are made by you. You are the taxpayer of record; VATflow is the software vendor.

VATflow is a paid monthly subscription service. See our pricing page for tier details when they are published. During pre-launch engagement, pricing is agreed directly with early customers.

All prices when displayed are exclusive of VAT. VAT-registered businesses can reclaim input VAT on their VATflow subscription.

You may cancel your subscription at any time from your account settings (when subscription management is published) or by emailing contact@unitedfintec.com. Cancellations take effect at the end of the current billing period; we do not pro-rate refunds for partial months.

You retain ownership of all VAT return data and digital records you submit to or through VATflow. We retain submitted VAT returns for six years from the end of the relevant accounting period as required by HMRC.

On account closure, personal identifiers are scrubbed. Submission records are retained for the six-year HMRC retention period as required by law. See our privacy policy for full details on how we process personal data.

For 30 days after termination, your VAT records remain available for export through your account.

You agree not to:

• Submit false or misleading VAT data to HMRC through the service.
• Use the service for any business other than the one(s) authorised on your account.
• Attempt to access another customer’s account or data, or to probe, scan, or test the vulnerability of the service.
• Use the service in a way that breaches HMRC’s terms of use or any applicable law.
• Resell or sublicense the service without our written consent.

We may suspend or terminate access if we reasonably believe you are breaching these terms.

We make reasonable efforts to keep VATflow available but do not warrant uninterrupted access. We are not liable for HMRC-side outages, planned maintenance, or events outside our reasonable control. Where HMRC service availability prevents you from filing on time, this is a matter between you and HMRC.

The VATflow service, including all software, branding, documentation, and design, is the property of United Fintec Limited or its licensors. We grant you a limited, non-exclusive, non-transferable licence to use the service in accordance with these terms. Your VAT data, submissions, and digital records remain your property.

To the extent permitted by law, our liability for any claim arising from or related to the service is limited to the subscription fees you have paid in the 12 months preceding the event giving rise to the claim. Nothing in these terms excludes or limits liability for fraud, fraudulent misrepresentation, or any liability that cannot be excluded under English law.

You are responsible for the accuracy of the data you submit. We are not liable for penalties or interest assessed by HMRC arising from data you supplied.

You may terminate your account at any time by cancelling your subscription and emailing contact@unitedfintec.com to request account closure.

We may terminate or suspend your account for breach of these terms, on 30 days’ notice for any reason, or immediately if required by law or by HMRC. On termination your access ceases; data-retention rules in §6 apply.

We may update these terms from time to time. The “Last updated” date at the top of this page reflects the most recent revision. Material changes will be notified by email to the address associated with your account at least 14 days before the change takes effect.

These terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising from or in connection with these terms or your use of the service.

Before initiating legal proceedings, we encourage you to contact us at contact@unitedfintec.com to attempt to resolve any dispute informally. We aim to respond to complaints within 5 working days.

For any questions about these terms, email contact@unitedfintec.com.