Terms of service.

ParaplanAI (the “Service”, “we”, “us”) is operated as a sole trader in the United Kingdom by a working UK paraplanner at a regulated UK firm. Before any paid service or processing of identifiable client data begins, the execution copy of the order form and DPA must name the operator and a service address. If your firm has not received those details, do not subscribe or upload identifiable client data; contact info@paraplanai.co.uk.

These terms are between ParaplanAI and the firm or sole practitioner that signs up (“you”, “the firm”). The natural person creating the account warrants they have authority to bind the firm.

ParaplanAI is a web-based calculator suite for UK pension and investment-bond tax computations. It produces a compliance annex PDF intended for inclusion in a client file. It is a calculation aid for planning and illustration purposes only. It is not financial advice, tax advice, or a financial product.

The firm remains solely responsible for the advice it gives to its end clients and for verifying that all inputs are accurate against source documents. The presence of a ParaplanAI PDF in a client file does not transfer regulatory responsibility from the firm.

The Service is for use by UK firms regulated by the Financial Conduct Authority and their authorised staff (paraplanners, advisers, principals), and by UK accountancy practices providing tax-planning calculations. By signing up, you confirm you are acting on behalf of such a firm.

We may refuse a sign-up or terminate an account if the information provided is materially incorrect.

The first user to register a firm becomes its owner. The owner can invite advisers and paraplanners. Each invited member has their own credentials and may not share them. The owner is responsible for promptly revoking access when a colleague leaves the firm.

Your firm is the controller of its client data and holds its own FCA SYSC 9 record-keeping obligation; we are the processor. We retain a finalised calculation’s audit trail (inputs, intermediate steps, configured tax-year rules, output) for the period your firm configures — six years by default — then delete it automatically. You can delete any client, policy, calculation or draft on demand. Removing a member does not, by itself, delete their historical calculations from the firm’s records.

You will not:

• Use the Service to make a calculation you know to be based on incorrect inputs.
• Upload documents you are not authorised to process.
• Attempt to reverse-engineer, scrape, or load-test the Service beyond your subscribed tier’s rate limits.
• Resell the Service or its output as your own calculator product.
• Use the Service to provide regulated financial advice to consumers in jurisdictions outside the United Kingdom.

Subscriptions are billed monthly or annually, paid in advance through our payments provider. Prices on the pricing page are not subject to VAT — ParaplanAI is not VAT-registered. If registration status changes, prices will be clearly restated with advance notice.

You may downgrade or cancel from firm settings at any time. The change takes effect at the end of the current paid period; we do not pro-rate refunds of unused time.

AI allowances. An AI allowance is used once processing starts. Files or questions rejected before processing do not count. If a ParaplanAI service failure uses an allowance, support will restore it after checking the processing record.

Free plan & trial mechanics. New firm accounts start on the Free plan — 3 calculations and 3 document extractions per billing period, with no card required and no time limit. When you are ready for unlimited use you subscribe to Pro or Firm, and that subscription begins with a 14-day free trial:

• You enter card details at checkout — but no charge is taken while the trial runs. The card is held on file so the subscription continues seamlessly if you keep it.
• On day 14 the first charge is taken — for the plan and billing cadence (monthly or annual) you selected, and on each renewal date thereafter.
• Cancel any time before day 14 — and you are not charged. Your firm simply stays on the Free plan (3 calculations / 3 extractions per billing period); all audit-trail rows remain accessible.

If a payment fails, we will retry for 7 days. After 7 days the subscription enters a read-only state — existing calculations remain accessible but new calculations are paused until billing is resolved. After 30 days, the subscription is cancelled and the firm record is set to the Free tier. Audit-trail retention per §4 continues regardless.

We act as a data processor on your firm’s behalf for personal data uploaded about end clients. Our handling of that data is governed by our Privacy policy, which forms part of these terms by reference. Source PDFs are auto-deleted 24 hours after upload; your records are yours to delete on demand, and finalised calculations are retained only for the window your firm configures (six years by default).

You warrant that your end clients have been given a privacy notice covering your use of cloud-based calculation tools and that you have a lawful basis for the processing you ask us to perform.

We treat your firm’s commercial data — pricing-sensitive figures, client list, branding — as confidential. We will not disclose it to a third party except where compelled by law or required to run the Service (e.g. our sub-processors listed in the Privacy policy).

We target 99.5% monthly uptime, excluding scheduled maintenance and force-majeure events. For service status updates, please contact info@paraplanai.co.uk. We do not currently offer a service-credit SLA; if uptime materially impacts your firm, please raise it via support.

We may take the Service offline for maintenance with reasonable notice (at least 48 hours where the outage is planned to exceed 15 minutes).

You own your data. Your end-client figures, uploaded documents, branding assets, and firm record remain yours. You grant us a licence to process them solely to operate the Service for you.

We own the engine. The calculation engine, templates, prompts, code, and trademarks of ParaplanAI are our intellectual property. Your subscription grants you the right to use the Service; it does not transfer ownership of any underlying software.

The Service is provided “as is”. We have built it with care and verify every release against HMRC corpus tests to a zero-pence tolerance, but we do not warrant that the output will be free of error in every conceivable case. The firm using the Service is responsible for verifying outputs against source documents and for any advice given to an end client.

To the maximum extent permitted by law:

• We exclude all implied warranties (merchantability, fitness for purpose, non-infringement).
• We are not liable for: regulatory fines incurred by your firm; client compensation paid to end clients; loss of profits, revenue, goodwill, or anticipated savings; or any indirect, special, or consequential loss.
• Our total cumulative liability under these terms is capped at the fees you have paid us in the 12 months immediately preceding the event giving rise to the claim, or £500, whichever is greater.

Worked examples of the cap. To make the preceding clause concrete:

• Free tier or trial — you have paid us nothing in the preceding 12 months, so the cap is the £500 floor.
• Pro tier, full year — £69 × 12 = £828 paid; £828 is greater than the £500 floor, so the cap is £828.
• Firm tier, 5 users, full year — £99 × 5 × 12 = £5,940 paid; £5,940 is greater than £500, so the cap is £5,940.
• Firm tier, 10 advisers, full year — £99 × 10 × 12 = £11,880; the cap is £11,880.

All sums above are stated in GBP at the prices charged (no VAT is applied — ParaplanAI is not VAT-registered). A firm that has been with us for less than 12 months at the moment of a claim sees a pro-rated paid-fees figure or the £500 floor, whichever is greater. This cap does not apply to liabilities that cannot lawfully be excluded under English law (death, personal injury, fraud) — the paragraph below makes that explicit.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded — including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

You can cancel any time from firm settings. We may terminate with 30 days’ written notice; immediately if you materially breach these terms and fail to cure within 14 days of being asked; or immediately if your firm enters insolvency or has its FCA authorisation withdrawn.

On termination, you may export your firm’s calculation audit trail in JSON. We then return or delete your firm’s client data on your instruction (UK GDPR Art 28) — you decide. We do not keep it beyond what you ask us to; you are the controller and hold your own FCA record.

We may update these terms. We will give 30 days’ notice of any material change, by email to account owners and an in-app banner. If you do not accept the change, you may cancel without penalty before it takes effect; continued use after the effective date constitutes acceptance.

These terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, save that we may bring proceedings to enforce intellectual property rights in any jurisdiction where infringement occurs.

Questions about these terms: info@paraplanai.co.uk. For data-protection requests, see the Privacy policy.