Terms of Service
Last updated 30 October 2026
Version 4.2 | Last updated 30 October 2026
1. About this document
1.1 These Terms of Service describe exactly what Earnly Limited (company number 16183799), registered office 41 New Cross Street, Swinton, Manchester, England, M27 4TU ("Earnly", "we", "us", "our") provides through the Platform, what it does not provide, and the service and support terms that apply. They supplement the Terms and Conditions and form part of the Agreement, as set out in the "Documents forming part of the Agreement and order of precedence" clause of the Terms and Conditions.
1.2 Capitalised terms used in this document have the meanings given in the "Definitions and interpretation" clause of the Terms and Conditions. In particular, "Consumer", "Business User", "Individual", "Organisation", "Platform", "Account", "Connected Account", "Open Banking Data", "Outputs", "Provider" (meaning Finexer Ltd) and "Business Day" (Monday to Friday, excluding bank holidays in England and Wales) have the meanings given there.
1.3 If there is a conflict between this document and another document forming part of the Agreement, the order of precedence in the Terms and Conditions applies. In summary: the Privacy Policy prevails on personal data; the Open Banking Consent Notice prevails on consent to the AIS and the use of Open Banking Data; the Complaints Procedure prevails on complaint handling; if you choose a paid plan, the Key Information prevails on the price and features of that plan; and the Terms and Conditions prevail over this document.
1.4 The "Limitation of liability" clause of the Terms and Conditions applies to this document and to every Service described in it. It is a single aggregate cap for each 12-month period and is not repeated or added to here. While the Platform is free of charge, the cap is £1,000.
1.5 Nothing in this document is a promise of any service level, feature or result unless it says so expressly. Where we describe a target, it is a target and not a contractual commitment.
2. Who this applies to
2.1 This document applies to everyone who has an Account.
2.2 Consumers (individuals using the Platform wholly or mainly for personal or household finances) have the statutory rights described in the "Your right to cancel if you are a Consumer" and "Your statutory rights if you are a Consumer" clauses of the Terms and Conditions. Nothing in this document limits those rights.
2.3 Business Users (sole traders, contractors, freelancers, partnerships, LLPs, limited companies and other organisations, and individuals acting for them) are bound by this document as part of the Agreement, including the Business User provisions of the Terms and Conditions.
2.4 Organisations and the individuals acting for them. Where an Organisation is the Business User, the Registrant and anyone else using the Platform for the Organisation must comply with this document on the Organisation's behalf.
2.5 Individuals have rights under UK data protection law in every case. The Privacy Policy explains them.
2.6 Where a clause applies only to Consumers or only to Business Users, it says so. Every other clause applies to all users.
3. Regulatory status
3.1 Earnly Limited (FRN 1058277) is registered on the Financial Services Register as an agent of Finexer Ltd, which is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number 925695) for the provision of account information services. You can check this on the Financial Services Register at register.fca.org.uk. Earnly is not itself authorised by the Financial Conduct Authority. Earnly does not provide payment initiation services, cannot initiate payments or move money, and never receives, sees or stores your online banking credentials.
3.2 The AIS is provided to you by Finexer Ltd as principal, with Earnly acting on its behalf as its registered agent. Finexer Ltd's End User Terms also apply to the AIS.
3.3 Apart from the AIS, none of the Services is a regulated activity, and no Output is regulated advice.
4. The Services: what is provided
4.1 The Services are the following. All of them are available to every Account.
| Service | What it does | Main limits |
|---|---|---|
| Open Banking connection | Lets you connect UK bank and payment accounts through the Provider's hosted consent journey. Access is read-only and limited to account details, balances and transactions. No payment permission is requested. | Only accounts held with banks that the Provider supports. Consent lasts 90 days and must be reconfirmed (clause 6). |
| Transaction feed | Shows the balances and transactions of your Connected Accounts in one place. On first connection we import up to 5 complete UK tax years plus the current tax year of history. Data refreshes automatically about every 15 minutes while you have Earnly open, and whenever you open Earnly or select Refresh. | Shows only what your bank makes available through Open Banking. Not real time (clause 5.3). |
| Transaction categorisation | Proposes a category for each transaction using rules that run within Earnly's own systems. Where the rules cannot assign a category, an AI model may suggest one from a cleaned merchant name and amount only (clause 9). Each proposal has a confidence score from 0 to 100. Proposals scoring 95 or more are marked as reviewed automatically, but an "AI suggested" category never is. You can change any category at any time, and your corrections always take precedence. | The score shows how strongly a rule matched. It is not a probability that the category is correct. Proposals may be wrong, and you must review them (clause 8). |
| Receipt upload | Lets you upload images of receipts and attach them to transactions. Images are stored in Earnly's storage. | Earnly does not read, check or extract figures from receipt images. |
| Tax estimates | Estimates Income Tax, National Insurance, dividend tax and savings tax using the England, Wales and Northern Ireland rates for the current tax year; Corporation Tax (main rate, small profits rate, marginal relief and associated companies); VAT for the standard and flat rate schemes; and employer PAYE and National Insurance from payroll transactions. The default basis is the cash basis, using your bank transactions. | Estimates only. Every tax figure is shown with a caveat that it is an estimate, is not tax advice and must be checked before you file or pay. Scottish income tax rates are not supported, so Scottish taxpayers must not rely on income tax estimates and are warned of this. Cash accounting and annual accounting VAT schemes are recorded but estimated on the standard basis. Not supported: capital gains, the Construction Industry Scheme, IR35 determinations, partnership returns, trusts, non-residence and research and development relief. See the Financial Disclaimer. |
| VAT number check | Checks whether a VAT number is valid using HMRC's public VAT number checker. | Confirms validity only. It is not a check of a business's VAT compliance. |
| Companies House lookup | Lets you search for a company and import its public profile from the Companies House public API. | Shows only what Companies House holds. You must check that it is current. |
| CSV export | Lets you download your transactions as a CSV file at any time, and during the Cooling-off Period. | Exports the transaction data held in your Account at the time of export. |
| Companies and personal profile | Lets you manage one or more companies and a personal profile in a single Account, and switch between business and personal views. | You must be authorised to act for each company you add (clause 7.3). |
4.2 We update tax rates and thresholds used in tax estimates within 30 days of any change taking effect.
4.3 We provide the Services with reasonable care and skill and materially as described in this clause 4.
5. What the Services do not include
5.1 The Services do not include, and Earnly does not provide:
(a) filing of any return, Making Tax Digital update or other document with HM Revenue & Customs or Companies House;
(b) Making Tax Digital record keeping or submission. Earnly is not HMRC-recognised Making Tax Digital software. If Making Tax Digital for Income Tax applies to you (it has applied since 6 April 2026 to sole traders and landlords with qualifying income over £50,000, and is due to apply from 6 April 2027 above £30,000), you must use HMRC-recognised software;
(c) acting as your tax agent, accountant or bookkeeper, or dealing with HM Revenue & Customs for you;
(d) financial, tax, accounting, investment or legal advice of any kind;
(e) preparation of statutory accounts, payroll or Real Time Information submissions, or any audit, review or assurance work;
(f) initiating, making or authorising payments, or moving money;
(g) team, accountant or bookkeeper access to your Account;
(h) integrations with accounting software, including without limitation Xero, QuickBooks and Sage;
(i) a native mobile app. The Platform is a responsive web application. If we release mobile apps, these Terms of Service apply to them too;
(j) "Ask Earnly" beyond its current preview, which shows pre-written help content only and does not answer questions about your data;
(k) human review of your categorisations or Outputs;
(l) a guarantee that every UK bank or account type is supported by the Provider;
(m) real-time data; or
(n) any feature that is described in marketing material or on the website but is not described in clause 4.
5.2 Outputs reflect only the information available to the Platform. Accounts you have not connected, cash transactions and records held outside the Platform are not reflected in them.
5.3 Data timeliness. The Platform refreshes Open Banking Data as described in clause 4.1, subject to limits set by your bank and the Provider. Data may be delayed or unavailable when your bank or the Provider is unavailable.
6. Connecting your financial accounts
6.1 To connect an account, you start the connection in the Platform and are taken to the Provider's hosted journey. There you give your explicit consent to the AIS, select your bank, and authenticate with your bank under its own strong customer authentication. Access is read-only and limited to account information, balances and transactions. No payment permission is requested at any point.
6.2 When you return to the Platform, the accounts you authorised are retrieved and displayed. Settings → Integrations shows each Connected Account and the number of days remaining before you must reconfirm consent.
6.3 Consent lasts 90 days and must be reconfirmed at least every 90 days through the Provider's flow. Reconfirming does not require you to authenticate again at your bank, although your bank may require it. Refreshing your data does not extend the consent period. We remind you:
(a) in the Platform, with an amber notice from 14 days before expiry and a red notice from 3 days before expiry; and
(b) by email 14 days, 7 days and 1 day before expiry.
6.4 If you do not reconfirm, we stop receiving new Open Banking Data for that account. The account then enters a 30-day cooling-off period, during which you can reactivate the connection by reconfirming consent, in which case your data is kept, or export your data as a CSV file. If you do not reactivate it, we delete the Open Banking Data for that account at the end of the cooling-off period.
6.5 You may withdraw consent at any time, free of charge and without giving a reason, by disconnecting the account in Settings → Integrations or directly with your bank. Disconnecting in the Platform revokes the consent with the Provider and stops access immediately. Disconnecting takes no more steps than connecting. A 30-day cooling-off period then applies, during which you can reactivate the connection by reconnecting it, in which case your data is kept, or export your data. Otherwise we delete the Open Banking Data for that account at the end of the cooling-off period. Withdrawing consent does not close your Account. To close your Account, follow clause 16.
6.6 You must connect only accounts that you hold or are authorised to connect, must keep that authority current, and must disconnect an account within 2 Business Days of your authority ending, as set out in the "Connected Accounts and Open Banking" clause of the Terms and Conditions.
6.7 Open Banking Data is used only to provide the Services you have requested, is never sold and is never used for marketing. The Open Banking Consent Notice describes the consent journey, the uses made of Open Banking Data and your rights in full.
7. Your Account and authentication
7.1 You must register an Account to use the Services and must comply with the "Your Account and account security" clause of the Terms and Conditions. In particular, you must not share your credentials or let anyone else use your Account, and you must tell us at support@earnly.co.uk within 24 hours if you know or suspect your Account has been compromised.
7.2 We verify your email address when you sign up. Two-step verification is mandatory for every user: each time you sign in, you must enter a one-time code that we email to you. On mobile browsers you can also set an optional 6-digit device PIN. Data is encrypted in transit (TLS 1.2 or higher) and at rest (AES-256).
7.3 You may hold one Account. Your Account may contain a personal profile and one or more companies. You must add a company only if you are a director, owner or otherwise authorised to act for it.
7.4 Earnly will never ask for your online banking credentials or your one-time sign-in code, by any channel. If you receive such a request that appears to come from Earnly, you must not respond to it and should report it to security@earnly.co.uk.
8. Your responsibilities for data and Outputs
8.1 You must review the categorisations and other Outputs relevant to any decision and correct them where they are wrong. Where you correct a categorisation, your correction takes precedence and is used for future proposals in your Account.
8.2 Before you submit anything to HM Revenue & Customs or Companies House, make or decide not to make a tax payment, declare a dividend or pay a salary, or give an Output to a lender or other third party, you must verify the relevant Outputs as required by the "Your data, Outputs and your duty to verify" clause of the Terms and Conditions.
8.3 You must make sure the information you give us about yourself or your Organisation (for example business structure, VAT registration and scheme, accounting period, whether you are a Scottish taxpayer, and income from sources outside the Platform) is accurate and up to date. Earnly is entitled to rely on it.
8.4 You must not present an Output to any person as a verified or professionally prepared figure, and must not use the Services to prepare or support another person's tax return.
8.5 You must comply with the Acceptable Use Policy.
8.6 The Financial Disclaimer sets out the assumptions on which Outputs are produced and their limitations. The AI Policy explains how automated categorisation works and your role in reviewing it.
9. Automated processing and AI
9.1 Transaction categorisation is rules-based and deterministic, and runs within Earnly's own systems. Only where Earnly's rules, your own rules and the merchant consensus table cannot categorise a transaction, Earnly asks Anthropic's Claude Haiku 4.5 model to suggest a category. Earnly sends it only a cleaned merchant name and the transaction amount, never sends payments to or from individuals, person-to-person payments or transfers between your own accounts, and never sends your name, account details, bank descriptions, references or dates. Anthropic acts as Earnly's processor and is contractually prohibited from training its models on that data. The suggestion is labelled "AI suggested" and is never marked as reviewed automatically. You must review it, and your correction always takes precedence. The AI Policy explains this in full.
9.2 "Ask Earnly" is a preview. It shows pre-written help content, is not an AI chat feature and does not use your data. You must not rely on it.
9.3 If we introduce a new AI provider, or send an AI model any of your data beyond that described in clause 9.1, we will give you at least 30 days' notice and update the AI Policy and the Sub-processor List before it processes your data. We will use only providers that are contractually prohibited from training on Earnly user data and that limit their routine retention of it to no more than 30 days, and we will complete a data protection impact assessment first.
9.4 Earnly does not make any solely automated decision about you that has legal or similarly significant effects. Any decision to suspend or close an Account always involves human review.
10. Price and paid plans
10.1 The Platform is free of charge during Early Access. No Subscription Fees are currently payable and we do not collect any payment card details.
10.2 We may introduce paid plans. If we do, we will give you at least 30 days' notice, and you will not be charged unless you actively choose a paid plan and accept its price at that time. Before you choose a paid plan, we will show you the Key Information, including the total price including VAT. Earnly Limited is registered for VAT, all prices include VAT, and our VAT registration number appears on our invoices. Payments will be taken by our payment provider, named on the Sub-processor List when paid plans launch.
10.3 If you choose a paid plan:
(a) if you are a Consumer, you have a 14-day right to cancel, as set out in the "Your right to cancel if you are a Consumer" clause of the Terms and Conditions;
(b) you may cancel at any time, and cancellation takes effect at the end of the billing period you have paid for;
(c) we will give you at least 30 days' notice of any price change, and you may cancel free of charge before it takes effect; and
(d) if we end the Agreement without cause, we will refund, pro rata, any fees you have paid for the period after it ends.
10.4 The "Price, Early Access and paid plans" clause of the Terms and Conditions sets out the full terms on fees and paid plans.
11. Availability and maintenance
11.1 We do not commit to any service level or uptime figure. We aim to keep the Platform available at all times, but access may be interrupted by maintenance, a fault, or an event affecting the Provider, your bank or another supplier.
11.2 We do not publish a status page. We tell you about service issues and planned maintenance by email and in the Platform.
11.3 Where we expect planned maintenance to make the Platform unavailable for more than 1 hour, we will give you at least 48 hours' notice by email and in the Platform. Emergency maintenance needed to address a security risk or a fault may be carried out without notice, and we will tell you about it as soon as we reasonably can.
12. Support
12.1 Support is provided by email only, at support@earnly.co.uk, Monday to Friday, 9:00 to 17:30 UK time, excluding bank holidays in England and Wales. There is no telephone line.
12.2 Our target is to send a first reply to support requests within 2 Business Days. This is a target and not a contractual service level. Security incidents and suspected unauthorised access are prioritised.
12.3 Support covers: help with using the Platform; connecting and disconnecting accounts; export and Account closure; and reporting faults or security concerns. Support does not cover tax, accounting, financial or legal advice, and we will not tell you what to file or pay.
12.4 We access the data in your Account to help you only if you ask us to. Each access is logged and is limited to 24 hours.
12.5 If your health, circumstances or any other factor makes it harder for you to use the Platform or to contact us, please tell us. We will make reasonable adjustments, such as arranging a telephone call, communicating in another format (large print, accessible PDF or plain-text email) or giving you more time to respond.
12.6 Complaints are not support requests. Clause 17 explains how to complain. Security vulnerabilities should be reported under the Vulnerability Disclosure Policy.
13. System requirements
13.1 The Platform works on the current and previous major versions of Chrome, Edge, Firefox and Safari. You need an internet connection and an email address that you can access each time you sign in. We are not responsible for a failure to access the Platform caused by an unsupported browser or device.
13.2 We design the Platform to meet the Web Content Accessibility Guidelines (WCAG) 2.2 at level AA. If you have difficulty using it, please tell us under clause 12.5.
14. Changes to the Services and preview features
14.1 We may add, change or withdraw features only for the reasons, and in the way, set out in the "Changes to the Agreement" clause of the Terms and Conditions. We will give you at least 30 days' notice of any Material Change, you may end the Agreement free of charge before it takes effect, and a Material Adverse Change takes effect for you only if you positively accept it.
14.2 Features labelled beta, preview or experimental (including "Ask Earnly") are made available for evaluation only. They may be incomplete, may produce unreliable Outputs and may be changed or withdrawn. You must not rely on them. The Terms and Conditions explain how they are treated for Consumers and Business Users.
14.3 The Platform is under active development. Features described in marketing material or on the website are not part of the Services until they are described in clause 4.
15. Suspension
15.1 We may suspend all or part of your access to the Services only in the circumstances listed in the "Suspension" clause of the Terms and Conditions, including a suspected serious breach of the Acceptable Use Policy, suspected compromise of your Account, suspected financial crime, doubt about your authority to connect an account, an instruction from the Provider, a legal or regulatory requirement, a security risk, or false information. Every suspension decision involves human review.
15.2 We will tell you the reason and what you need to do, unless the law or a legitimate security or regulatory concern prevents us. We will lift the suspension within 2 Business Days after its cause has been resolved.
16. Export, closure and deletion
16.1 You may export your transactions as a CSV file at any time while your Account is active. We recommend that you export your data before you close your Account.
16.2 You may close your Account in your Account settings. Closing your Account ends the Agreement, as set out in the "Termination" clause of the Terms and Conditions, and revokes our access to your Connected Accounts with the Provider. You may also withdraw consent directly with your bank.
16.3 For 30 days after the Agreement ends (the Cooling-off Period), you may sign in to your Account, export your transactions as a CSV file and, if you closed your Account yourself, reactivate it. If you reactivate it, your data is kept and you can reconnect your bank accounts. No new Open Banking Data is collected during the Cooling-off Period unless you reactivate your Account and reconnect a bank account. If we end the Agreement because we have reasonable grounds to believe you have been involved in financial crime, or for a security reason, we will instead email you an export within 5 Business Days if you ask for one in writing at support@earnly.co.uk, unless the law prohibits it. If you prefer, you can ask us to delete your data immediately when you close your Account, in which case there is no Cooling-off Period.
16.4 If you do not reactivate your Account, we delete your data at the end of the Cooling-off Period, except records that we must keep under the Data Retention Policy. Deleted data rolls off our backups within a further 35 days.
16.5 If we end the Agreement without cause, we will give you at least 30 days' notice, and you may export your data during that period and during the Cooling-off Period.
16.6 If you do not sign in to your Account for 24 months, we may close it as a dormant Account. We will email you at least 30 days before we do so, and you can keep the Account open by signing in.
16.7 Your rights under data protection law, including access and data portability, are unaffected and are explained in the Privacy Policy.
17. Complaints
17.1 You can complain:
(a) by email to complaints@earnly.co.uk;
(b) using our online complaint form at https://earnly.co.uk/complaints;
(c) in the Platform, through Settings → Help; or
(d) by post to Earnly Limited, 41 New Cross Street, Swinton, Manchester, England, M27 4TU.
The Complaints Procedure explains what we will do and by when.
17.2 We acknowledge every complaint within 2 Business Days. A complaint about the AIS is referred to the Provider within 1 Business Day, and you will receive a final response within 15 Business Days or, in exceptional circumstances, within 35 Business Days. The Provider is responsible for handling these complaints and issuing the final response. Other complaints receive a final response within 8 weeks, and our target is 20 Business Days.
17.3 If your complaint is about the AIS and you are a Consumer, a micro-enterprise, a small business, a small charity or a trustee of a small trust, you may be able to refer it to the Financial Ombudsman Service free of charge, within 6 months of the final response, or if you do not receive a final response in time. The Financial Ombudsman Service's details are: financial-ombudsman.org.uk, 0800 023 4567, complaint.info@financial-ombudsman.org.uk, Exchange Tower, London E14 9SR.
17.4 Earnly does not use an alternative dispute resolution scheme. Disputes that are not about the AIS, and that we cannot resolve through the Complaints Procedure, may be taken to the courts.
17.5 Complaints about how we use personal data can be sent to privacy@earnly.co.uk and are handled as set out in the Privacy Policy. You can also complain to the Information Commission (ICO) at ico.org.uk or on 0303 123 1113.
18. Contact
Earnly Limited (company number 16183799), 41 New Cross Street, Swinton, Manchester, England, M27 4TU. Support: support@earnly.co.uk. Complaints: complaints@earnly.co.uk. Data protection: privacy@earnly.co.uk. Security: security@earnly.co.uk.