Solas is a mobile accounting app designed specifically for UK freelancers and sole traders. It helps you track expenses, scan receipts, connect bank accounts, and prepare your Self Assessment tax return.

Yes, Solas uses bank-level 256-bit encryption to protect your data. We connect to your bank accounts through FCA-regulated Open Banking providers, and we are fully GDPR compliant.

Can Solas submit my tax return to HMRC?

Solas helps you prepare your Self Assessment tax return and can submit VAT returns directly to HMRC. For Self Assessment, you can export your prepared return to submit through HMRC's portal.

Is Solas available on iPhone?

Yes, Solas is available on the App Store for iPhone. Download the app to get started.

Terms of Service

1. Agreement to Terms

By accessing or using Solas ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all users of the Service, including users of the mobile application and website.

Solas is operated by [COMPANY NAME], a company registered in England and Wales (Company No. [NUMBER]), with registered office at [ADDRESS].

2. Description of Service

Solas is a mobile accounting application designed for UK freelancers and sole traders. The Service provides:

Receipt scanning and expense tracking
Bank account integration via Open Banking
Transaction categorisation
AI-powered tax assistance
VAT return preparation and submission
Self Assessment tax return preparation

3. Account Registration

To use certain features of the Service, you must create an account. You agree to:

Provide accurate, current, and complete information during registration
Maintain and update your information to keep it accurate
Keep your password secure and confidential
Accept responsibility for all activities under your account
Notify us immediately of any unauthorised access

You must be at least 18 years old to create an account.

4. Subscription and Payments

The Service may require a paid subscription. By subscribing, you agree to:

Pay all applicable fees as described at the time of purchase
Provide valid payment information through the app stores (Apple App Store or Google Play)
Accept automatic renewal of your subscription unless cancelled

Statutory Cancellation Rights

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel your subscription within 14 days of purchase without giving any reason (the "cooling-off period").

To exercise your right to cancel, you must inform us of your decision by a clear statement (e.g., by email to matt@solas.services). You may also cancel through the Apple App Store or Google Play Store.

If you request that the Service begins during the cooling-off period and subsequently cancel, you may be charged for the Service provided up to the point of cancellation. If the Service has been fully performed within the 14-day period with your prior express consent, you acknowledge that you will lose your right to cancel.

Outside of the statutory cooling-off period, subscription fees are non-refundable except as required by law.

5. Consumer Rights Notice

Nothing in these Terms is intended to affect your statutory rights under the Consumer Rights Act 2015 or other applicable consumer protection legislation.

As a consumer, you have certain legal rights that cannot be excluded or limited by contract. These include rights relating to:

Services being performed with reasonable care and skill
Information provided to you being accurate
Services being provided within a reasonable time

For more information about your statutory rights, you may contact your local Citizens Advice Bureau or visit gov.uk/consumer-protection-rights.

6. Use of the Service

You agree to use the Service only for:

Lawful purposes
Managing your own legitimate business finances
Preparing accurate tax submissions

You agree NOT to:

Use the Service for fraudulent or illegal purposes
Submit false, misleading, or inaccurate information
Attempt to gain unauthorised access to any part of the Service
Interfere with or disrupt the Service or servers
Reverse engineer, decompile, or disassemble the software
Share your account credentials with others

7. Tax and Financial Disclaimer

IMPORTANT: Solas is a tool to assist with accounting and tax preparation. It is NOT a substitute for professional advice.

We are not accountants or tax advisors. The Service provides tools and AI assistance but does not constitute professional accounting or tax advice.
You are responsible for your tax affairs. You remain legally responsible for the accuracy of all information submitted to HMRC.
Review all submissions carefully. Always review and verify any calculations or submissions before sending to HMRC.
Seek professional advice when needed. For complex tax situations, we recommend consulting a qualified accountant or tax advisor.

8. Intellectual Property

The Service and its original content, features, and functionality are owned by Solas and are protected by international copyright, trademark, and other intellectual property laws.

You retain ownership of any data you input into the Service (receipts, transaction records, etc.). You grant us a limited licence to use this data solely to provide the Service to you.

9. Third-Party Services

The Service integrates with third-party services including:

Open Banking providers for bank connectivity
HMRC for tax submissions
Cloud infrastructure providers

Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party services.

10. Limitation of Liability

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

Death or personal injury caused by our negligence
Fraud or fraudulent misrepresentation
Any other liability that cannot be limited or excluded by applicable law

Subject to the above, and to the maximum extent permitted by law, Solas and its directors, employees, and agents shall not be liable for:

Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, data, use, or other intangible losses
Any errors in tax calculations or submissions where you have not verified the information before submission to HMRC
Penalties, fines, or interest charged by HMRC resulting from information you have provided or approved, except to the extent directly caused by a defect in the Service
Any interruption or cessation of the Service

Subject to the exclusions above, our total liability to you shall not exceed the greater of (a) the amount you paid for the Service in the 12 months preceding the claim, or (b) £100.

11. Indemnification

You agree to indemnify and hold harmless Solas and its affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

Your use of the Service
Your violation of these Terms
Your violation of any third-party rights
Any inaccurate or fraudulent information you provide

12. Termination

Termination by You

You may cancel your subscription at any time through the Apple App Store or Google Play Store. Upon cancellation, you will continue to have access to the Service until the end of your current billing period.

Termination by Us for Breach

We may terminate or suspend your account immediately and without prior notice if you breach these Terms, including but not limited to using the Service for fraudulent purposes or violating applicable laws.

Termination by Us for Convenience

If we choose to discontinue your access to the Service for reasons other than breach, we will provide you with at least 30 days' notice. If you have a paid subscription, you will be entitled to a pro-rata refund for any unused portion of your subscription period.

Effect of Termination

Upon termination, your right to use the Service will cease. We recommend exporting your data before termination. We may retain certain data as required by law or for legitimate business purposes.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes through the app or by email. Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes arising out of or in connection with these Terms shall be subject to the non-exclusive jurisdiction of the courts of England and Wales. This means that if you are a consumer resident in Scotland or Northern Ireland, you may also bring proceedings in your local courts.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Us

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

Email: matt@solas.services