Terms and Conditions

1. Agreement to Terms

These Terms and Conditions constitute a legally binding agreement made between you and Richard Moore trading as Experi ("we," "us," or "our"), concerning your access to and use of the Experi website (experi.co.uk) and invoice management service (the "Service").

By accessing or using the Service, you agree that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Service.

2. Who We Are

Trading name: Experi

Legal entity: Richard Moore (sole trader)

ICO data controller registration: ZC239393 (view public register)

Registered in: United Kingdom

Business address: 6 Farm Lane, Send, Surrey, GU23 7AT, United Kingdom

Contact: hello@experi.co.uk

3. Description of Service

Experi is an invoice and financial record management tool designed to help freelancers and small businesses create, send, and track invoices, maintain business records, and prepare tax information. Where enabled, HMRC-connected features can retrieve authorised information and submit user-confirmed returns.

The Service provides tools to create invoices, manage clients, and send payment requests. You remain solely responsible for the accuracy, legality, and tax compliance of all invoices and business records.

By using this Service, you acknowledge and accept these Terms and Conditions in full. Your continued use of the platform constitutes your ongoing agreement to be bound by these Terms.

3A. Calculations and Tax Features

3A.1 Calculation Features

The Service may include various calculation features, including but not limited to:

• VAT calculations (standard, reduced, zero rate, exempt)
• CIS (Construction Industry Scheme) deduction calculations
• Late payment interest and compensation calculations
• Reverse charge VAT calculations
• Invoice totals, subtotals, and discounts
• Mixed VAT rate breakdowns
• Any other mathematical or financial calculations

3A.2 No Guarantee of Accuracy

3A.3 Your Responsibility to Review

You agree that you will:

• Preview all invoices before sending them to clients
• Manually verify all calculations against your own records or professional advice
• Not rely solely on Experi calculations for tax returns, HMRC submissions, or government filings
• Consult a qualified accountant or tax advisor before submitting any tax returns or official documents
• Independently verify that CIS deductions, VAT amounts, and late payment calculations are correct for your specific circumstances
• Check that rates and thresholds used by the Service are current and applicable

3A.4 Limitation of Liability for Calculations

3A.5 Professional Advice

We strongly recommend that you:

• Engage a qualified accountant to review your invoices and tax calculations
• Consult HMRC guidance directly for tax-related matters
• Seek professional legal advice for contractual matters
• Keep your own independent records of all calculations
• Do not use Experi as your sole source of tax or financial information

Experi is a tool to assist with invoice creation, not a replacement for professional accounting, tax, or legal services.

3B. HMRC-Connected Services

HMRC-connected features are available only where Experi has the necessary production access and the feature is enabled for your account. You authorise Experi through HMRC's OAuth 2.0 journey and choose the permissions granted. You enter your HMRC sign-in details directly on HMRC's service; Experi does not collect or store them.

3B.1 Authority and use

• You must connect only an HMRC account that you are authorised to use.
• Experi will access only the HMRC information and actions covered by the permissions you grant.
• You may disconnect HMRC from Experi, and you may also revoke authority through HMRC's authorised-applications service.
• HMRC may require you to authorise the connection again when its authority period expires or the permissions change.

3B.2 Review and submission

You must review the complete return, underlying records, dates, calculations, and declaration before confirming submission. Experi sends a return only after the required confirmation. You remain responsible for its accuracy, completeness, eligibility, deadlines, tax treatment, and payment of any tax due. A return accepted by HMRC may not be reversible through Experi and may require an amendment or direct contact with HMRC.

3B.3 Availability and records

HMRC services may be unavailable, delayed, or return an uncertain result. Do not resubmit after an uncertain outcome until the status has been reconciled. Keep the records required by law and verify submission receipts and obligations in Experi or with HMRC. Experi is independent of HMRC and does not claim HMRC approval, accreditation, or endorsement.

3C. MCP Agent Access

MCP is an optional Pro feature that lets you give a compatible AI agent limited access to your Experi account. It is disabled until you enable it or approve a connection. Compatible clients can use OAuth sign-in and a permission screen; clients without OAuth support can use a separate, scoped manual credential.

• You must use a trusted MCP client, review the permissions it requests, and protect any manual credential you create.
• You must choose the smallest permissions needed, review agent requests, and revoke credentials that are exposed or no longer required.
• You remain responsible for client details, invoice content, tax treatment, recipients, payment records, and every action you authorise an agent to perform.
• Experi may enforce expiry, confirmation fields, idempotency, rate limits, email safeguards, audit logging, and other controls, and may block or revoke access where needed to protect the Service.
• Disabling MCP revokes all OAuth connections and manual credentials. You can also disconnect one OAuth app or revoke one manual credential in Settings.

AI agents can misunderstand instructions or use inaccurate source data. Review every material change before approval. The provider of your chosen agent processes data under its own terms and privacy policy.

4. User Accounts

4.1 Account Creation

To use the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Be responsible for all activity under your account
• Notify us immediately of any unauthorized access

4.2 Account Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use this Service.

4.3 Email Verification (Required)

You must verify your email address before you can send invoices or use email features. Email verification is mandatory for:

• Sending invoices via email
• Using automated email features
• Enabling invoice reminders

Failure to verify your email will result in restricted access to email-based features. We reserve the right to suspend or terminate accounts that attempt to bypass email verification requirements.

Email sending also requires a manual access review. We may ask for information that supports your business activity or your authority to invoice for a named business. You can reply through the private Email sending review page; submitting evidence does not automatically grant sending access. A sole trader need not have a company registration certificate to request review.

5. Subscription Plans and Payment

5.1 Free Plan

The Free plan allows you to create up to 5 invoices and manage up to 3 clients. This is provided at no cost and may be modified or discontinued at any time with reasonable notice.

5.2 Pro Plan

The Pro plan provides unlimited invoices and additional features for £9/month (or as displayed at time of purchase). Web payments are processed via Stripe. Where offered in the iOS app, subscriptions are purchased through Apple using the price and currency shown in the App Store purchase confirmation.

5.3 Billing

• Subscriptions are billed monthly in advance
• You authorize us to charge your payment method automatically
• Prices are subject to change with 30 days' notice
• Failed payments may result in service suspension

5.4 Cancellation and Refunds

You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. For web subscriptions, we do not provide refunds for partial months, except where required by law. Apple-billed subscriptions must be managed or cancelled through your Apple account; refund requests are handled through Apple. Deleting the app or your Experi account does not itself cancel an Apple subscription. These terms do not limit your statutory rights.

Sign in to the same Experi account to use your verified Pro access on web and mobile. You do not need a second subscription for the same account. RevenueCat verifies App Store purchases; it does not replace Apple as the billing provider. Use Restore purchases in the mobile app if you need to recover an existing App Store purchase.

6. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose
• Create fraudulent or misleading invoices
• Impersonate any person or entity
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Spam or harass other users
• Scrape or collect data without permission
• Use the Service to facilitate money laundering or fraud
• Violate any applicable laws or regulations

7. User Responsibilities

We provide tools, but you remain responsible for how you use them and the business decisions you make. You must use the preview functionality to review all invoices and verify that all amounts, calculations, and details are correct before sending them to clients or using the information for any official purpose.

7.1 Client Email Consent

You acknowledge that sending invoices without proper consent may violate data protection laws and could result in legal action against you. You agree to indemnify us against any claims arising from your failure to obtain proper consent.

7.2 Rate Limits and Abuse Prevention

To protect our sending reputation and prevent abuse, we enforce the following limits:

• Hourly limit: 10 emails per hour
• Daily limit: 50 emails per day
• Additional restrictions for new or unverified accounts

We reserve the right to suspend accounts that show signs of abuse, bulk sending, or spam activity. If you need higher limits, contact us to discuss your needs.

8. Intellectual Property

8.1 Our IP

The Service, including all software, designs, text, graphics, and trademarks, is owned by Richard Moore and protected by UK and international intellectual property laws.

8.2 Your Content

You retain ownership of all invoices, client data, and content you create. By using the Service, you grant us a limited license to host, store, and process your content solely for the purpose of providing the Service to you.

9. Termination

9.1 By You

You may terminate your account at any time by contacting us or using the account settings.

9.2 By Us

We may suspend or terminate your account immediately if:

• You violate these Terms
• Your use poses a security risk
• You engage in fraudulent activity
• Required by law

9.3 Effect of Termination

Upon termination, your right to use the Service ceases. We will retain your data for 30 days, after which it may be permanently deleted. You should export your data before termination.

10. Disclaimers

We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• Defects will be corrected
• The Service is free from viruses or harmful components
• Results obtained will be accurate or reliable
• Your invoices will comply with any specific laws or regulations
• Any calculations (including VAT, CIS, late payment interest, or any other calculation) are accurate or correct
• Tax rates, formulas, or thresholds used are current or applicable to your situation
• Information that you have not reviewed and confirmed is complete or suitable for a government filing or tax return

11. Limitation of Liability

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM.

Some jurisdictions do not allow certain limitations of liability. In such cases, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify and hold harmless Richard Moore, and our employees, contractors, and agents, from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your invoices or business practices
• Your violation of any laws or regulations
• Any dispute with your clients

13. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your data.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by email or through the Service. Your continued use after changes constitutes acceptance of the new Terms.

15. Governing Law and Jurisdiction

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

Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Beta Features

From time to time, we may offer beta features that are still under development. Beta features are clearly labelled and may be subject to additional terms.

Beta features are provided "as is" without warranty. We may modify, suspend, or discontinue any beta feature at any time without notice. Beta features may not be as reliable as generally available features and may contain bugs or errors.

By opting into a beta feature, you accept any additional terms presented at the time of activation. Current beta features with supplemental terms:

• Autopilot (payment collection via Stripe Connect) - see Autopilot Beta Terms

We are not liable for any loss or damage arising from the use of beta features. Your use of beta features is at your own risk.

18. Contact Us

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

Email: hello@experi.co.uk

Trading name: Experi

Legal entity: Richard Moore (sole trader)

Registered business address: 6 Farm Lane, Send, Surrey, GU23 7AT, United Kingdom