Terms & Conditions

About Saddle

Saddle is operated by Saddle Technologies Ltd, a company registered in England and Wales.

Saddle is designed to help self-employed people and businesses organise everyday business records including invoices, expenses, receipts, mileage information and tax-related records.

Features may also include estimates, summaries, reminders, exports and other tools intended to help users understand and organise their financial records.

Your Saddle account

Some Saddle services require you to create an account. You are responsible for providing accurate information and keeping your account details up to date.

You are responsible for keeping your login credentials secure and for activity carried out through your account.

You must not share passwords or security credentials in circumstances that could allow another person to gain unauthorised access to your Saddle account.

If you believe that your account has been accessed without permission, contact us as soon as possible at support@getsaddle.uk .

Using Saddle for your business

Saddle is intended primarily to help self-employed people and businesses manage their own business and financial records.

If you use Saddle on behalf of another person, organisation or business, you confirm that you have authority to do so and to provide any information that you enter into Saddle.

You remain responsible for checking that information recorded in Saddle is accurate and complete.

Saddle is a record-keeping tool

Saddle may calculate, estimate or display figures based on the information you provide and the rules, assumptions and tax information available to the service at the time.

These calculations are provided to help you understand your records and financial position. They should not be treated as a guarantee of your final tax liability or any amount that may ultimately be due to HM Revenue & Customs or another authority.

Tax records and deadlines

You remain responsible for ensuring that your tax, accounting and business records are accurate and for meeting any filing, payment or record-keeping obligations that apply to you.

Saddle may provide reminders, estimated deadlines, quarterly views, Tax Packs or other tools intended to help you prepare for these obligations.

You should check important filing and payment deadlines against the latest information provided by HM Revenue & Customs or the relevant authority.

The availability of a Saddle feature does not transfer responsibility for your tax affairs to Saddle Technologies Ltd.

Information you enter into Saddle

You are responsible for information, documents and records that you add to Saddle.

This may include information relating to customers, clients, contractors or other individuals.

You must only upload, record or otherwise provide information where you have a lawful reason and appropriate authority to do so.

You retain ownership of the business information and records that you provide to Saddle.

You give Saddle the limited permissions necessary to store, process, display, back up and otherwise handle that information so that we can provide the service to you.

Receipt scanning and automated processing

Saddle may use automated technology to read information from receipts, invoices or other records and may use automated processing to help categorise or summarise information.

Automated extraction is not guaranteed to be accurate. You should review information extracted from documents before relying on it.

You are responsible for correcting errors where information has been read, categorised or interpreted incorrectly.

Saddle Brain and estimates

Saddle may provide features such as Saddle Brain that use the records in your account to estimate or summarise your financial or tax position.

These features depend on the accuracy, completeness and timing of the records you provide.

An estimated figure shown by Saddle may differ from the amount ultimately calculated by HM Revenue & Customs, your accountant or another professional.

Mileage and location-related features

Saddle may provide mileage, journey and route tools. Route distances and journey information may be calculated using third-party mapping or routing services.

Route calculations are estimates and may differ from the distance actually travelled.

You remain responsible for checking that mileage records used for business or tax purposes accurately reflect your journeys.

Free and paid features

Saddle may offer a combination of free features, subscription features, paid upgrades, usage allowances or optional purchases.

The price, billing period and features included with a purchase or subscription will be shown before you complete the purchase.

We may introduce, remove or change plans and features from time to time. Any change affecting an existing paid subscription will be handled in accordance with applicable law and the rules of the platform through which the subscription was purchased.

Subscriptions and renewal

Where Saddle offers an automatically renewing subscription, the price, billing frequency and renewal arrangements will be displayed before you subscribe.

Unless stated otherwise when you purchase it, an automatically renewing subscription continues until it is cancelled.

If your subscription was purchased through Google Play, the Apple App Store or another app marketplace, billing and subscription management may be handled by that platform.

You can manage or cancel an app-store subscription using the subscription controls provided by the relevant platform.

Trials, promotions and beta access

We may offer free trials, promotional access, beta access or other limited offers.

Any specific eligibility criteria, duration, pricing or conversion to a paid service will be explained before you participate.

Beta and pre-release versions of Saddle may contain bugs, incomplete features or functionality that changes before the final release.

Beta features should not be relied upon as your only copy of important business or tax records.

Payments and refunds

Payments made through an app store or other payment provider may also be subject to that provider’s terms and payment rules.

Refund requests will be handled in accordance with applicable law and, where relevant, the policies and processes of the platform through which the purchase was made.

Nothing in these terms affects any legal rights you have that cannot lawfully be excluded or restricted.

Acceptable use

You must not use Saddle to:

• break the law or assist another person to break the law;
• upload information you do not have permission to use;
• attempt to gain unauthorised access to Saddle, another user’s account or our systems;
• interfere with, damage or disrupt the service;
• introduce malicious software or harmful code;
• misuse automated systems, APIs or other technical features; or
• use Saddle fraudulently or to create deliberately false business, tax or financial records.

Availability of Saddle

We aim to keep Saddle available and reliable, but we cannot guarantee that every feature will always be available without interruption.

Saddle may occasionally be unavailable because of maintenance, updates, technical problems, internet outages or problems affecting third-party providers.

We may modify, update or replace parts of Saddle as the service develops.

Third-party services

Saddle relies on third-party technology and service providers for parts of the service. This may include cloud infrastructure, authentication, mapping, app stores, payment systems and other technical services.

Some third-party services have their own terms, policies and availability arrangements.

Saddle is not responsible for changes, interruptions or failures caused by a third-party service where the issue is outside our reasonable control.

Keeping copies of important records

Saddle is designed to help organise and protect your business records, but you should take reasonable steps to protect information that is particularly important to your business.

Where Saddle provides export functionality, we recommend exporting or retaining copies of important records where appropriate.

You are responsible for retaining business and tax records for any period required by law.

Account deletion

You may request deletion of your Saddle account using our account deletion process.

We may need to verify that you are the account holder before completing a deletion request.

Once an account and its associated records have been permanently deleted, they may not be recoverable.

Before requesting deletion, you should export or save any records you are legally required to retain or may otherwise need in future.

Suspending or ending access

We may suspend or restrict access to Saddle where we reasonably believe this is necessary to protect the service, other users or our systems.

This may include circumstances involving suspected fraud, serious misuse, security incidents or a material breach of these terms.

Where reasonably possible, we will take account of the circumstances before restricting or terminating an account.

Intellectual property

Saddle, including its software, branding, design, graphics, interface and original content, is owned by or licensed to Saddle Technologies Ltd and is protected by applicable intellectual property laws.

These terms do not transfer ownership of Saddle or its intellectual property to you.

You may use Saddle for its intended purpose while you have permission to access the service.

Our responsibility

Nothing in these terms excludes or limits liability where doing so would be unlawful.

To the extent permitted by law, Saddle Technologies Ltd is not responsible for losses caused by:

• inaccurate, incomplete or incorrectly dated information entered into Saddle;
• a user failing to check information before relying on it;
• missed tax, filing or payment deadlines that remain the user’s responsibility;
• actions or outages of third-party services outside our reasonable control;
• loss resulting from unauthorised account access where the user failed to take reasonable steps to protect their login credentials; or
• circumstances that we could not reasonably have prevented.

Nothing in these terms affects rights or remedies that cannot legally be excluded.

Privacy and personal information

Information about how Saddle collects, uses, stores and protects personal information is explained in our Privacy Policy.

Changes to these terms

We may update these terms from time to time as Saddle develops, our services change or legal requirements change.

When we make material changes, we will take reasonable steps to make updated terms available and, where appropriate, bring significant changes to your attention.

The date at the top of this page shows when these terms were last updated.

If part of these terms cannot be enforced

If a court or other competent authority decides that part of these terms is unlawful or unenforceable, the remaining provisions will continue to apply.

Governing law

These terms are governed by the laws of England and Wales, subject to any mandatory legal rights or rules that apply to you in another jurisdiction.

Any dispute relating to these terms will be dealt with by the courts that have jurisdiction under applicable law.

Contact us

If you have questions about these Terms & Conditions or your use of Saddle, contact: