Terms and Conditions

1. Definitions and Interpretation

In these Terms and Conditions, the following words and expressions shall have the meanings set out below unless the context otherwise requires:

“AccoDrop”, “we”, “us”, “our” means AccoDrop, a trading name operated by Meatwala Group Ltd, a private limited company registered in England and Wales under company number 15260965, whose registered office is at 6 Shelburne Court, High Wycombe, England, HP12 3NH.

“Accountant” means a qualified accountant, accounting practice, bookkeeper, or tax adviser who registers for AccoDrop to manage financial records and MTD submissions on behalf of their clients.

“Client” means a business owner, sole trader, landlord, or other individual whose financial records are managed through AccoDrop, whether by an Accountant or by themselves as a Self-Managing User.

“Self-Managing User” means a Client who uses AccoDrop directly, without an Accountant, to manage their own bookkeeping and MTD obligations.

“User” means any person who accesses or uses the AccoDrop platform, including Accountants, Self-Managing Users, and any authorised members of their staff.

“Platform” means the AccoDrop website, web dashboard, mobile application, API, and all related software, services, and infrastructure.

“Services” means all features, tools, and functionality made available through the Platform, including document processing, AI-assisted categorisation, bookkeeping, and Making Tax Digital submission services.

“Subscription” means the paid access arrangement under which a User accesses the Services, as described in Section 6.

“Making Tax Digital” or “MTD” means the UK Government’s Making Tax Digital for Income Tax Self Assessment programme administered by His Majesty’s Revenue and Customs.

“HMRC” means His Majesty’s Revenue and Customs.

“Content” means any data, documents, files, text, images, or other materials uploaded to or processed through the Platform by a User.

“Intellectual Property Rights” means all patents, trade marks, service marks, design rights, copyright, database rights, know-how, confidential information, and all other intellectual property rights of any nature, whether registered or unregistered.

“Data Processing Agreement” or “DPA” means the separate data processing agreement which governs the processing of personal data by AccoDrop on behalf of Accountants and their Clients.

References to statutes or statutory provisions include any amendments or re-enactments thereof. References to “writing” include email. The singular includes the plural and vice versa.

2. About AccoDrop and Nature of the Services

AccoDrop is an AI-powered bookkeeping and Making Tax Digital compliance platform designed to assist UK-based small business owners and their accountants in managing financial records and meeting their MTD obligations. The Platform processes bank statements and financial documents, categorises transactions using artificial intelligence and automated tools, and facilitates the preparation and submission of quarterly MTD updates and final declarations to HMRC.

Important: AccoDrop is a software tool. We are not an accountancy firm, tax adviser, or regulated financial services provider. Nothing in the Services or on the Platform constitutes accountancy advice, tax advice, legal advice, or financial advice. You remain solely responsible for the accuracy of the information submitted to HMRC and for meeting your own tax obligations. If you require professional advice, you should consult a qualified and regulated accountant or tax adviser.

AccoDrop operates on an accountant-led model. Where an Accountant manages a Client’s account, the Accountant is responsible for reviewing, approving, and authorising all data and submissions. AccoDrop does not make automated submissions to HMRC without human review and approval.

Business use and statutory rights: AccoDrop is primarily intended for business and professional use. If you use the Services as a consumer, nothing in these Terms excludes or restricts any rights or remedies that cannot lawfully be excluded or restricted under applicable consumer law.

3. Eligibility and Account Registration

3.1 Eligibility

To use AccoDrop you must:

be at least 18 years of age;
be resident in or operating a business in the United Kingdom;
have the legal capacity to enter into a binding agreement; and
if registering as an Accountant, bookkeeper or tax adviser, be legally entitled to provide the services you offer and hold any professional registrations, authorisations or supervision required for your activities.

By registering, you confirm that you meet all eligibility requirements.

3.2 Account Registration

To access the Services you must register for an account by providing accurate, current, and complete information as requested during the registration process. You must promptly update your account information if it changes. We reserve the right to refuse registration or to suspend or terminate any account at our discretion.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must:

choose a strong, unique password and not share it with any person;
notify us immediately at support@accodrop.co.uk if you suspect any unauthorised access to your account; and
not permit any other person to use your account credentials.

We accept no liability for any loss or damage arising from your failure to maintain the security of your account.

3.4 One Account Per User

Each individual user should use their own authorised login credentials. Where an accountancy practice has multiple staff members, access must be managed through the team, user and permission controls made available by the Platform. Shared login credentials must not be used unless we expressly permit them.

4. Specific Obligations of Accountants

4.1 Client Authorisation

Before adding any Client to the AccoDrop platform, the Accountant must hold valid and subsisting legal authorisation to act on that Client’s behalf in relation to their tax affairs. This includes, as applicable:

a completed HMRC form 64-8 (authorising an agent to act on behalf of a client with HMRC); or
a valid HMRC online authorisation through the Government Gateway; or
such other authorisation as may be required under applicable legislation or professional regulations.

By adding a Client to AccoDrop, the Accountant makes a legally binding declaration that they hold the necessary authorisation. AccoDrop will log this declaration together with the Accountant’s IP address and timestamp as a permanent audit record. AccoDrop accepts no liability whatsoever for an Accountant’s failure to hold valid authorisation.

4.2 Client Notification

AccoDrop will send an informational notification email to each Client when they are added to the Platform by an Accountant. This email confirms that their accountant has set up an AccoDrop account on their behalf and provides links to our Privacy Policy and Terms and Conditions. The Accountant confirms, by adding a Client, that they have a valid lawful basis and all necessary authority to share the Client’s personal data with AccoDrop, and that they have provided the Client with any privacy information required by applicable data protection law.

4.3 Data Accuracy and Review

Accountants are responsible for:

reviewing all AI-generated categorisations and transaction classifications before approving them;
ensuring that all data submitted to HMRC via AccoDrop is accurate, complete, and authorised;
maintaining their own records in accordance with HMRC requirements; and
correcting any errors identified in processed transactions promptly.

AccoDrop’s confidence scoring is a tool to assist review and does not substitute for professional judgement. An Accountant must not approve any submission they have not independently verified.

4.4 Professional Standards

Accountants using AccoDrop must at all times comply with the professional standards, regulations, and codes of conduct of their relevant professional body, including but not limited to the Institute of Chartered Accountants in England and Wales (ICAEW), the Association of Chartered Certified Accountants (ACCA), or the Chartered Institute of Management Accountants (CIMA), as applicable.

4.5 Data Processing Agreement

Where an Accountant uses AccoDrop to process Client personal data, the Accountant will generally act as a controller in relation to that Client data and AccoDrop will process such data on the Accountant’s behalf to the extent described in our Data Processing Agreement. The Data Processing Agreement forms part of these Terms where applicable and is available at www.accodrop.co.uk/data-processing-agreement.

5. Acceptable Use of the Platform

5.1 Permitted Use

You may use the Platform only for lawful purposes and in accordance with these Terms. The Platform is intended solely for the management of legitimate UK business financial records and MTD compliance.

5.2 Prohibited Conduct

You must not:

use the Platform for any unlawful purpose or in violation of any applicable law or regulation, including but not limited to tax evasion, money laundering, or fraud;
upload false, misleading, or fabricated financial documents or transactions;
attempt to manipulate, circumvent, or interfere with the Platform’s AI categorisation or fraud detection systems;
access or attempt to access any account, system, or data that you are not authorised to access;
use the Platform to process personal data unless you have a valid lawful basis, appropriate authority, and any notices or permissions required by applicable law;
reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any part of the Platform;
resell, sublicense, or otherwise make the Services available to third parties without our prior written consent;
transmit any malicious code, viruses, or harmful data to or through the Platform;
use automated scripts, bots, or crawlers to access the Platform without our prior written consent; or
take any action that imposes an unreasonable or disproportionate load on our infrastructure.

We reserve the right to investigate any suspected breach of this Section and to suspend or terminate accounts where a breach is identified, without liability to you.

5.3 Suspicious Activity Reporting

If you become aware of any suspicious, fraudulent, or potentially unlawful activity in connection with the Platform, you must notify us immediately at support@accodrop.co.uk. We may be required to report certain activities to HMRC, the National Crime Agency, or other relevant authorities.

6. Subscriptions, Billing, and Payment

6.1 Subscription Plans

Access to AccoDrop is provided on a subscription basis. We offer two categories of subscription:

Accountant Plans: billed per Client per month. Each time an Accountant adds a new Client to the Platform, the monthly subscription charge is automatically incremented. Removing a Client will reduce future billing in accordance with the billing cycle.
Self-Managing Plans: billed at a flat monthly rate per user. Plans are tiered based on the features and volume of transactions required.

Current subscription prices, features, and plan details are published at www.accodrop.co.uk/pricing. We reserve the right to introduce, modify, or discontinue subscription plans at any time, subject to the notice provisions in Section 6.6.

6.2 Free Trial

We may, at our discretion, offer a free trial period to new users. The terms and duration of any free trial will be stated at the point of registration. We reserve the right to require payment details at the commencement of a free trial and to automatically convert a trial account to a paid subscription at the end of the trial period unless you cancel before the trial expires.

6.3 Payment Processing

All payments are processed by Stripe, Inc., our third-party payment processor. By providing payment details, you authorise us to charge the applicable subscription fees to your payment method on a recurring basis. Your payment details are held securely by Stripe and are not stored on AccoDrop’s servers. Stripe’s own terms and privacy policy apply to their processing of your payment data.

6.4 Billing Cycle and Invoicing

Subscriptions are billed monthly in advance. Your billing date is determined by the date on which your subscription commences. Invoices are issued automatically and are available within your account dashboard. All prices are stated exclusive of VAT. Where VAT is applicable, it will be added at the prevailing rate and shown separately on your invoice.

6.5 Failed Payments

If a payment fails, we will attempt to collect payment again within a short period. If payment remains outstanding after a reasonable number of attempts, we reserve the right to suspend access to the Platform until payment is received. We will provide reasonable notice before suspending access. Continued failure to pay may result in termination of your account in accordance with Section 11.

6.6 Price Changes

We reserve the right to change our subscription prices. We will provide you with at least 30 days’ written notice of any price increase. Notice will be given by email to your registered email address and by notice within the Platform. Your continued use of AccoDrop after the effective date of a price change constitutes your acceptance of the new pricing. If you do not wish to accept a price increase, you may cancel your subscription before the new price takes effect.

6.7 Refunds

Subscription fees are non-refundable except as required by applicable law or as expressly stated in these Terms. If you cancel your subscription, you will retain access to the Platform until the end of your current billing period. We do not provide pro-rata refunds for unused portions of a billing period. We will provide a full refund in the event that we are unable to provide the Services due to our own fault.

7. User Content and Data

7.1 Your Ownership of Content

You retain ownership of all Content that you upload to or create through the Platform. We do not claim any ownership rights over your financial data, documents, or business information.

7.2 Licence to AccoDrop

By uploading Content to the Platform, you grant AccoDrop a limited, non-exclusive, worldwide, royalty-free licence to process, store, copy, and use that Content solely for the purposes of providing and improving the Services to you. This licence does not extend to sharing your identifiable Content with third parties except as described in our Privacy Policy and the Data Processing Agreement.

7.3 Your Responsibility for Content

You are solely responsible for all Content you upload to the Platform. You warrant that:

you have the right to upload and process the Content and to grant the licence described in Section 7.2;
the Content is accurate and not misleading;
the Content does not contain any viruses, malware, or harmful code;
the Content does not infringe any third party’s Intellectual Property Rights, privacy rights, or other legal rights; and
the upload and processing of the Content complies with all applicable laws and regulations.

7.4 AI Processing of Content

You acknowledge that the Services use automated tools and may, where necessary and as described in our Privacy Policy, use approved third-party AI service providers to process Content. We will process personal data through such services only in accordance with applicable data protection law and our contractual arrangements with relevant processors. AI-generated outputs are assistive suggestions and must be reviewed by an authorised user. For further information about how AI is used and your rights, please refer to our Privacy Policy.

7.5 Data Accuracy

AccoDrop processes financial documents and categorises transactions using automated tools. Whilst we take reasonable steps to ensure accuracy, AI-generated outputs are suggestions only and may contain errors. All outputs must be reviewed and approved by an authorised user before submission to HMRC. We accept no liability for errors in AI-generated categorisations that have been approved and submitted without adequate human review.

7.6 Backup of Data

We maintain backups of Platform data in accordance with our standard infrastructure procedures. However, you are strongly advised to maintain your own independent copies of all financial records and documents. AccoDrop’s backup procedures do not substitute for your own record-keeping obligations under HMRC requirements.

8. Intellectual Property Rights

8.1 AccoDrop’s Intellectual Property

All Intellectual Property Rights in the Platform, including its software, design, architecture, algorithms, trade marks, logos, and documentation, are owned by or licensed to Meatwala Group Ltd. These Terms do not transfer any Intellectual Property Rights to you. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely in accordance with these Terms and for the duration of your Subscription.

8.2 Restrictions

You must not, without our prior written consent:

copy, reproduce, or distribute any part of the Platform;
modify, adapt, or create derivative works based on the Platform;
remove or alter any proprietary notices, trade marks, or branding from the Platform; or
use AccoDrop’s trade marks, logos, or branding in any way that suggests an association or endorsement that does not exist.

8.3 Feedback

If you provide us with feedback, suggestions, or ideas relating to the Platform or our Services, you assign to us all Intellectual Property Rights in that feedback and agree that we may use it without restriction or compensation to you.

9. Privacy and Data Protection

The collection, use, and processing of personal data in connection with AccoDrop is governed by our Privacy Policy, available at www.accodrop.co.uk/privacy-policy, and, where applicable, our Data Processing Agreement. Both documents are incorporated into these Terms and Conditions by reference.

By using AccoDrop, you confirm that you have read and understood our Privacy Policy. Personal data processed through AccoDrop is handled by Meatwala Group Ltd as the legal operator of the service, subject to the UK GDPR, the Data Protection Act 2018 and other applicable data protection law. Meatwala Group Ltd is registered with the Information Commissioner’s Office where required.

Where an Accountant processes Client personal data through the Platform, the Accountant is independently responsible for establishing its lawful basis and meeting its controller obligations. Our Data Processing Agreement sets out the parties’ respective responsibilities where AccoDrop acts as processor on the Accountant’s behalf. Our Privacy Policy also explains our retention approach, international transfers, subprocessors, AI-related processing and data subject rights.

10. Making Tax Digital and HMRC Submissions

10.1 MTD Compliance Tool

AccoDrop is a software tool designed to assist with Making Tax Digital requirements. Where HMRC-connected functionality is made available to you, AccoDrop may use relevant HMRC APIs to retrieve information or submit information on behalf of an appropriately authorised user. Availability of HMRC-connected features may depend on HMRC approval, production access, API availability and the particular tax service supported by AccoDrop.

10.2 User Responsibility for Submissions

Notwithstanding any assistance provided by AccoDrop, you remain solely responsible for:

the accuracy and completeness of all information submitted to HMRC;
meeting all applicable HMRC filing deadlines;
paying all taxes due on time;
maintaining adequate financial records as required by HMRC; and
complying with all HMRC requirements, including any that may change after the date of these Terms.

AccoDrop is not responsible for any penalties, interest charges, or other consequences arising from late, inaccurate, or incomplete submissions to HMRC, whether or not those submissions were made through the Platform.

10.3 Fraud Prevention Headers

For HMRC APIs to which fraud-prevention requirements apply, AccoDrop may be required to collect and transmit technical fraud-prevention header data in accordance with HMRC specifications and applicable law. This processing is not optional where it is required for the relevant HMRC-connected service. Further information is set out in our Privacy Policy.

10.4 HMRC System Availability

AccoDrop’s MTD submission functionality is dependent on the availability of HMRC’s systems. We are not responsible for any failures, delays, or interruptions caused by HMRC system outages or maintenance. You should not leave MTD submissions to the last minute and should allow adequate time for any technical issues to be resolved.

10.5 Changes to MTD Requirements

HMRC’s Making Tax Digital requirements may change over time. We will endeavour to update the Platform to reflect such changes as promptly as reasonably practicable. However, we cannot guarantee that the Platform will always be updated before a regulatory change takes effect. You are responsible for monitoring HMRC guidance and ensuring your compliance.

11. Term, Suspension, and Termination

11.1 Term

These Terms commence on the date you register for an AccoDrop account and continue until your account is closed, whether by you or by us.

11.2 Cancellation by You

You may cancel your subscription at any time by providing notice through the account settings within the Platform or by contacting us at support@accodrop.co.uk. Cancellation will take effect at the end of your current billing period. You will retain access to the Platform until that date. No refund will be provided for any unused portion of a billing period, except as required by law.

11.3 Suspension or Termination by AccoDrop

We reserve the right to suspend or terminate your access to the Platform, with or without notice, if:

you breach any provision of these Terms;
payment of subscription fees is overdue and remains unpaid after reasonable notice;
we have reason to believe your account is being used for fraudulent, unlawful, or abusive purposes;
we are required to do so by law, court order, or regulatory requirement; or
we decide to discontinue the Platform or the relevant Services, in which case we will provide at least 30 days’ notice where reasonably practicable.

11.4 Effect of Termination

Upon termination of your account:

your access to the Platform will cease;
we may retain certain data after account closure where required by law, needed to establish or defend legal claims, or otherwise permitted under our Privacy Policy and retention schedule; and
upon expiry of the applicable retention period, your data will be securely and permanently deleted.

You may request an export of your data prior to account closure. Please contact support@accodrop.co.uk to arrange a data export. We will make reasonable efforts to provide data in a machine-readable format.

11.5 Survival

Provisions of these Terms which by their nature should survive termination shall do so, including without limitation: Sections 1 (Definitions), 7 (User Content and Data), 8 (Intellectual Property Rights), 12 (Limitation of Liability), 13 (Indemnity), and 15 (Governing Law).

12. Disclaimers and Limitation of Liability

12.1 No Warranty

The Platform and Services are provided with reasonable care and skill, subject to these Terms. Except where a term is expressly stated in these Terms or cannot lawfully be excluded, we do not guarantee that the Platform will always be available, uninterrupted or error-free, or that every automated output will be accurate.

We do not warrant that:

the Platform will be uninterrupted, error-free, or secure at all times;
any errors or defects will be corrected within any particular timeframe;
the Platform will meet your specific requirements; or
AI-generated categorisations, calculations, or other outputs will be accurate or free from error.

12.2 Limitation of Liability

Subject to Section 12.3 and to the extent permitted by law:

our total aggregate liability arising out of or in connection with the Services, whether in contract, tort (including negligence), breach of statutory duty or otherwise, will not exceed the greater of (a) the total Subscription fees paid or payable by you during the 12 months immediately preceding the event giving rise to the claim, or (b) £500; and
where you use the Services wholly or mainly for business purposes, we will not be liable for loss of profit, loss of revenue, loss of business, loss of anticipated savings, loss of goodwill, indirect or consequential loss, or tax penalties or interest resulting from information that you or your authorised adviser approved as accurate before submission, except to the extent such liability cannot lawfully be excluded or limited.

12.3 Exceptions

Nothing in these Terms shall limit or exclude our liability for:

death or personal injury caused by our negligence;
fraud or fraudulent misrepresentation; or
any other liability that cannot be excluded or limited under applicable law.

12.4 Basis of the Bargain

The limitations in this Section are intended to allocate risk between the parties in a reasonable manner, taking into account the nature of the Services, the Subscription fees and the ability of users to maintain independent records and obtain professional advice. Nothing in these Terms limits any statutory rights or liability that cannot lawfully be limited or excluded.

13. Indemnity

If you use the Services for business purposes, you will indemnify Meatwala Group Ltd against reasonable losses, liabilities, costs and expenses arising directly from:

your breach of these Terms;
your use of the Platform in violation of any applicable law or regulation;
your failure to hold valid HMRC authorisation in respect of any Client whose data you process through the Platform;
any Content you upload to the Platform;
any claim by a third party arising from your use of the Platform; or
any inaccurate, false, or misleading information you provide to us or to HMRC.

14. Force Majeure

We shall not be liable for any failure or delay in the performance of our obligations under these Terms to the extent that such failure or delay is caused by circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemic, war, terrorism, civil disorder, government action, HMRC system failures, failures of third-party infrastructure providers, or widespread internet outages.

In the event of a force majeure event, we will notify you as soon as reasonably practicable and will take reasonable steps to mitigate the impact of the event on our Services. If the force majeure event continues for more than 30 consecutive days, either party may terminate these Terms on written notice.

15. General Provisions

15.1 Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15.2 Dispute Resolution

In the event of a dispute, we encourage you to contact us at support@accodrop.co.uk in the first instance to seek an amicable resolution. We will endeavour to respond to all complaints within five working days. This clause does not affect your statutory rights or your right to bring proceedings before a competent court.

15.3 Entire Agreement

These Terms and Conditions, together with our Privacy Policy, Cookie Policy, Data Processing Agreement, and Subscription Agreement (as applicable), constitute the entire agreement between you and AccoDrop in relation to the Services and supersede all prior agreements, representations, or understandings, whether written or oral.

15.4 Amendments

We reserve the right to amend these Terms at any time. We will provide you with at least 14 days’ written notice of any material changes by email to your registered address and by notice within the Platform. Your continued use of AccoDrop after the effective date of the amended Terms constitutes your acceptance of the changes. If you do not agree to the amended Terms, you must cease using the Platform and cancel your subscription before the amended Terms take effect.

15.5 Assignment

You may not assign, transfer, or sub-licence any of your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of our business, provided that the assignee assumes all obligations under these Terms.

15.6 Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect.

15.7 Waiver

Our failure to enforce any provision of these Terms on any occasion shall not constitute a waiver of our right to enforce that provision on a future occasion.

15.8 No Partnership or Agency

Nothing in these Terms shall create or be deemed to create a partnership, joint venture, or agency relationship between you and AccoDrop. You have no authority to bind AccoDrop in any way.

15.9 Third Party Rights

A person who is not a party to these Terms shall have no right to enforce any term under the Contracts (Rights of Third Parties) Act 1999, except that the indemnification provisions in Section 13 may be enforced by the persons identified therein.

15.10 Notices

Notices to AccoDrop must be sent by email to support@accodrop.co.uk. Notices to you will be sent to your registered email address. Notices shall be deemed received immediately upon sending if sent by email, provided no delivery failure notification is received.

16. Contact Information

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

Email: support@accodrop.co.uk

Website: www.accodrop.co.uk

Post: Please use the registered office address stated above.

AccoDrop – Version 1.0 | Effective Date: 24 August 2026