1. No Financial, Tax, or Legal Advice

Earnly Ltd (“Earnly”, “we”, “our”, “us”) provides a technology platform designed to deliver financial insights, data aggregation, and tax-related estimates.

Earnly does not provide financial advice, tax advice, accounting advice, or legal advice.

Nothing within the platform, including:

Calculations
Forecasts
Insights
Alerts
AI-generated outputs

should be interpreted as professional advice or a substitute for advice from a qualified professional such as an accountant, tax adviser, or solicitor.

2. Nature of the Service

Earnly provides:

Aggregation of financial data (via Open Banking and integrations)
Automated categorisation of transactions
Real-time estimates of potential tax liabilities
Predictive insights based on available data

All outputs are 8informational in nature only.*

3. Accuracy and Completeness

While Earnly uses automated processes and data integrations, we do not guarantee that:

All data is complete, accurate, or up to date
Transactions are correctly categorised
Tax calculations reflect your actual liability
External data sources are error-free

Outputs are dependent on:

Data provided by you
Data received from third parties
System assumptions and rules

Errors, delays, or omissions may occur.

4. Estimates and Forecasts

All tax calculations, projections, and financial insights provided by Earnly are:

Estimates only
Based on current data and assumptions
Subject to change as new data becomes available

They do not constitute final or legally binding figures and must not be relied upon for:

Filing tax returns
Making financial commitments
Determining legal obligations

5. User Responsibility

You remain solely responsible for:

Ensuring the accuracy of your financial records
Reviewing and validating any outputs generated by Earnly
Filing tax returns and meeting regulatory obligations
Seeking professional advice where required

Use of Earnly does not transfer any legal or financial responsibility to the platform.

6. Open Banking and Third-Party Data

Earnly relies on data provided via third-party services, including Open Banking providers.

We do not control and are not responsible for:

Accuracy of third-party data
Availability or continuity of data feeds
Errors or delays in external systems

Any reliance on such data is at your own risk.

7. AI and Automated Decision-Making

Earnly may use automated systems, including artificial intelligence, to:

Categorise transactions
Generate insights and recommendations
Estimate financial outcomes

These outputs:

Are based on algorithms and probabilistic models
May not account for all individual circumstances
Should not be relied upon as definitive or authoritative

8. Limitation of Liability

To the fullest extent permitted by law:

Earnly shall not be liable for:

Any loss arising from reliance on platform outputs
Incorrect tax calculations or estimates
Financial decisions made based on the platform
Loss of profits, revenue, or business opportunities
Indirect or consequential losses

Where liability cannot be excluded, it shall be limited to:

The total fees paid by you to Earnly in the preceding 12 months (if applicable)

9. No Warranty

The platform is provided on an “as is” and “as available” basis.

Earnly makes no warranties or representations regarding:

Accuracy
Reliability
Availability
Fitness for a particular purpose

10. Regulatory Position

Earnly operates as a technology platform and does not act as:

A regulated financial adviser
A tax agent
An accounting firm

Users should seek independent professional advice where required.

11. Changes to This Disclaimer

Earnly may update this Financial Disclaimer at any time.

Continued use of the platform constitutes acceptance of the updated terms.

12. Contact

For any questions:

Email: support@earnly.co.uk

Company: Earnly Ltd