Kite Terms and Conditions

Effective date: 13 June 2026

This page sets out the terms on which Kite Tax Limited provides the Kite service to you. Please read it carefully. By creating an account or using Kite you agree to these terms.

1. Introduction and who we are

In short: Kite is software made by Kite Tax Limited that helps you keep digital tax records and submit them to HMRC.

Kite is a web application that helps UK sole traders and landlords keep digital records and meet their Making Tax Digital for Income Tax Self Assessment (MTD ITSA) obligations. Our promise is MTD ITSA, minus the stress.

These terms are a legal agreement between you and us:

"We", "us", "our" and "Kite Tax Limited" mean Kite Tax Limited, a company registered in England and Wales with company number 17253815.
"Kite", "the Service" and "the Kite application" mean the Kite web application and related features we provide.
"You" and "your" mean the person who registers for or uses the Service.

Our details:

Company: Kite Tax Limited, registered in England and Wales, company number 17253815.
Registered office: 66 Paul Street, London, England, United Kingdom, EC2A 4NA
ICO registration number: ZC173804
Contact email: admin@kite.tax

You can find these terms, and our Privacy Policy, in the legal section of our website. If anything here is unclear, please contact us before you rely on it.

2. Acceptance and eligibility

In short: you must be at least 18 and a UK taxpayer to use Kite.

By creating an account or using the Service, you confirm that:

you are at least 18 years old;
you are a UK taxpayer (for example a sole trader or landlord with UK Income Tax obligations), or are otherwise entitled to use MTD ITSA software for your own tax affairs;
you are using Kite for your own tax records and submissions, as an individual, sole trader or landlord, and not on behalf of a large business; and
the information you give us when registering is accurate and kept up to date.

If you do not meet these requirements, you must not use the Service. If we reasonably believe you do not meet them, we may suspend or close your account in line with section 16.

These terms are written for consumers and individuals managing their own tax affairs. Nothing in them removes or limits your statutory rights under UK consumer law.

3. What Kite is, and what it is not

In short: Kite is software to help you record and submit your figures. It is not your accountant, and HMRC's records are the final word.

Kite is software that helps you keep digital records, categorise income and expenses, prepare figures, and submit them to HMRC under MTD ITSA. It can also retrieve certain information that HMRC already holds, and (if you choose) information from your bank, to help you keep records.

Please read the following carefully, because it affects who is responsible for what:

Kite is not an accountant, bookkeeper, tax adviser or financial adviser, and it is not a substitute for professional advice. We do not provide tax, legal, accounting or financial advice. If you need advice about your particular circumstances, please consult a qualified professional.
The figures, categorisations, notes and submissions in your account are your responsibility. Any category suggestions we offer (including those generated using AI) are suggestions only. You can review and change them, and you decide what is correct.
You must review everything before you submit it to HMRC. Once you confirm a submission, it is sent to HMRC on your instruction.
Some information we retrieve from HMRC (such as savings interest, dividends, employment income, reliefs and CIS deductions) is shown to you on a read-only basis. Where that information needs to be corrected or completed, you may need to do this with HMRC directly, because Kite cannot yet submit or amend those particular figures for you in the application.
HMRC is the system of record for your tax affairs. Where HMRC's records and the information shown in Kite differ, HMRC's records take precedence. We are not responsible for HMRC's systems, decisions, processing times or availability.
Kite does not guarantee any particular tax outcome, refund, liability figure, or that your submissions will be accepted by HMRC.

You remain responsible for meeting your own legal obligations, including filing accurate returns on time, paying any tax due, and keeping records for as long as the law requires. HMRC requires taxpayers to keep their records for a number of years after the relevant filing deadline. We say more about how long we keep your data in our Privacy Policy.

4. Account registration and security

In short: keep your login details safe, and tell us if something looks wrong.

To use most features you need to create an account. You can register with an email address and password, or by signing in with a supported provider such as Google or GitHub.

You agree to:

provide accurate registration information and keep it up to date;
keep your password and login details confidential and not share your account;
take reasonable care to protect access to your devices and email account; and
tell us promptly at admin@kite.tax if you think someone has accessed your account without permission.

We use security measures including encryption of sensitive tokens at rest, transmission over TLS, access controls, and non-sequential identifiers. National Insurance numbers are masked in our logs. No online service can be completely secure, so we cannot promise that the Service will always be free from unauthorised access, but we take reasonable care to protect your account and data.

You are responsible for activity that takes place under your account, except to the extent it results from our failure to use reasonable care and skill, or from something outside your reasonable control.

5. Connecting to HMRC

In short: you authorise Kite to talk to HMRC on your behalf, and you can disconnect at any time.

To submit under MTD ITSA, you connect your HMRC account to Kite. When you do this:

you authorise Kite to access and exchange information with HMRC on your behalf, using the secure connection HMRC provides;
we store the access and refresh tokens for that connection in encrypted form, so that Kite can retrieve obligations, send the submissions you initiate, and retrieve information HMRC holds;
by law, all MTD software must send certain fraud-prevention information to HMRC with each request. We send this information (which includes technical details about your device and connection) because HMRC requires it; and
you can disconnect your HMRC connection at any time, and you can also manage access through your HMRC account.

You are responsible for ensuring that the HMRC account you connect is your own and that you are entitled to make the submissions you make. HMRC's own terms and processes apply to your dealings with HMRC, and we have no control over them.

6. Connecting a bank through Open Banking

In short: connecting a bank is optional, runs on your explicit consent, and you can withdraw that consent at any time.

You can choose to connect a bank account so that Kite can retrieve your account details and transactions to help you keep records. This is optional. If you choose to do it:

the connection is made through Yapily Ltd, an FCA-authorised Open Banking provider, under the explicit consent you give at your bank;
Kite retrieves bank account information (such as account name, number, sort code, IBAN and balance) and transaction history (such as dates, amounts, descriptions and payee information) to help you record and categorise income and expenses;
your consent is time-limited. It can expire, and you can revoke it at any time through your bank or by disconnecting the bank in Kite; and
if consent expires or is withdrawn, Kite can no longer retrieve new bank data, though records you have already saved remain in your account until you delete them, subject to the retention position in section 16 and our Privacy Policy.

Open Banking access is governed by your bank's terms and the consent you give. We are not your bank and we do not control your bank's systems or decisions.

7. Subscription, pricing, billing and renewal

In short: Kite costs £119 a year or £12 a month, this is the total you pay, and it renews automatically until you cancel.

Kite is a paid subscription service. Current pricing is:

Plan	Price
Annual	£119 per year
Monthly	£12 per month

The price shown is the total amount you pay for the plan. There are no hidden charges or additional fees on top of it. Our payment provider, a third-party payment processor, handles your payment securely. We do not store your full card details.

The following apply to your subscription:

Your subscription begins when your first payment is taken and continues for the plan period you chose (one month or one year).
Subscriptions renew automatically at the end of each period, using your saved payment method, unless you cancel before the renewal date. The renewal price will be the same as the price you are currently paying, unless we have told you about a change in advance.
Before each renewal we will send you a reminder, a reasonable time before the renewal charge is due, so that you can decide whether to continue or cancel. For the annual plan in particular, we will give you advance notice that the renewal is coming up.
If we change the price that will apply to your renewals, we will tell you at least 30 days before the change takes effect, so that you can decide whether to continue or cancel before it applies.
If a payment fails, we may retry it and may suspend paid features until payment succeeds.

You can cancel at any time from your account settings or by contacting us at admin@kite.tax. When you cancel:

your subscription will not renew again;
you keep access to paid features until the end of the period you have already paid for; and
we do not provide pro-rata refunds for the remainder of a paid period, except where you are entitled to a refund under section 8, under section 16, or under your statutory rights.

8. Your cancellation rights and the 30-day money-back guarantee

In short: you have a statutory 14-day right to change your mind, and on top of that we offer a more generous 30-day money-back guarantee.

8.1 Statutory 14-day cancellation right

Because you buy Kite at a distance (online), under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 you normally have 14 days from the day your subscription starts to cancel and receive a refund, without giving a reason. This 14-day period is counted from the start of your contract.

When you sign up, we will send you confirmation of your contract on a durable medium (for example by email), including these terms and the key pre-contract information. You can tell us you want to cancel within the 14-day period by any clear statement, for example by emailing us at admin@kite.tax. You do not need to use any particular form of words, but you may use the model cancellation form set out in the Regulations if you prefer.

Kite is a continuing subscription rather than a one-off download, so if you ask us to start providing the paid Service to you straight away (within the 14-day period) and you agree to that, then:

when you sign up, we will ask you to confirm that you want the Service to start immediately and to acknowledge that you will lose your statutory right to cancel once the Service has been fully provided. We capture this consent and acknowledgement at checkout, which is what allows the points below to apply;
if you cancel before the Service has been fully provided, we may charge you a proportionate amount for the part of the period you have used up to the point you cancelled, and refund the balance. For an annual plan, this means a refund of the remainder of the year after the proportionate deduction; and
once the Service has been fully provided to you during the 14-day period, you acknowledge that you lose the statutory right to cancel under these Regulations.

In practice, because our 30-day money-back guarantee in section 8.2 is more generous, most people cancelling early will rely on the guarantee for a full refund rather than on the proportionate statutory deduction.

8.2 30-day money-back guarantee

In addition to your statutory rights, and going beyond them, we offer a 30-day money-back guarantee. If you are not happy with Kite, contact us at admin@kite.tax within 30 days of your first purchase and we will refund what you paid for that first subscription period. This guarantee:

applies to your first purchase of a subscription, not to later renewals;
refunds what you paid for that first period (for an annual plan, the year's fee you paid; for a monthly plan, the first month's fee you paid);
is offered voluntarily and is more generous than the statutory 14-day right; and
does not affect your statutory rights, which always apply in full.

9. Acceptable use and prohibited conduct

In short: use Kite lawfully, for your own tax affairs, and do not try to break or misuse it.

You agree not to:

use the Service for anything unlawful, fraudulent or misleading, including submitting information to HMRC that you know to be false;
use the Service on behalf of someone else without the right to do so, or to manage tax affairs you are not entitled to manage;
attempt to gain unauthorised access to the Service, other users' accounts, or our systems or those of our providers;
interfere with or disrupt the Service, introduce malicious code, or place unreasonable load on it (for example through automated scraping or bulk requests we have not authorised);
copy, modify, reverse engineer, resell or redistribute the Service except to the extent the law allows you to; or
remove or obscure any notices, or use our branding without permission.

If you breach this section, we may take the steps set out in section 16, including suspending or closing your account.

10. Intellectual property

In short: we own Kite; you own your data.

The Service, including its software, design, text, and branding, belongs to us or our licensors and is protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable licence to use the Service for your own tax affairs while your account is active and you comply with these terms.

The data you enter or import, such as your transactions, notes and uploaded receipts, remains yours. You grant us the permissions we need to host, process and display that data so that we can provide the Service to you, and to send the submissions you initiate to HMRC. We process your personal data as described in our Privacy Policy.

11. Service availability and changes

In short: we work to keep Kite available and improve it, but it will not be perfect or unchanging.

We aim to keep the Service available and working well, but we do not promise that it will be uninterrupted, always available, or free from errors. Access may be affected by maintenance, updates, technical issues, or matters outside our reasonable control, including the availability of HMRC, your bank, or other providers.

We may change, add to or remove features over time to improve the Service, meet legal or HMRC requirements, or for other good reasons. If we make a change that significantly reduces the core functionality you are paying for, we will give you reasonable notice, and you may cancel and receive a refund of any amount you have paid for a period you can no longer use. This change regime runs in parallel with the way we handle changes to these terms in section 17.

12. Disclaimers and the standard of our service

In short: we will provide Kite with reasonable care and skill, but we cannot guarantee outcomes.

We will provide the Service to you with reasonable care and skill, as required by the Consumer Rights Act 2015. That statutory standard applies and is not excluded by anything in these terms.

Beyond that, and to the extent the law allows:

we do not guarantee that the Service will meet every need, produce any particular tax result, or be free from all errors or interruptions;
category suggestions, calculations and summaries are tools to help you, and you remain responsible for checking your figures before you submit them; and
we are not responsible for the accuracy, availability or decisions of HMRC, your bank, or other third parties, or for losses caused by inaccurate information you provide.

Nothing in this section affects your statutory rights under the Consumer Rights Act 2015 or other UK consumer law.

13. Our liability to you

In short: we do not limit liability for things the law says we cannot limit; otherwise our liability is capped at the fees you paid us in the 12 months before the problem arose.

Nothing in these terms limits or excludes our liability where it would be unlawful to do so. In particular, we do not limit or exclude liability for:

death or personal injury caused by our negligence;
fraud or fraudulent misrepresentation; or
any other liability that cannot be limited or excluded under UK law, including your non-excludable rights under the Consumer Rights Act 2015 and other consumer protection law.

Subject to that:

we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these terms or failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen, or if, at the time you entered into the contract, both we and you knew it might happen;
we are not liable for losses that arise because you provided inaccurate information, did not review figures before submitting, missed a deadline within your control, or did not follow reasonable instructions or guidance we gave;
we do not exclude liability for the tax you actually owe, which is always a matter between you and HMRC and is your responsibility; and
except for the liabilities described above that cannot be limited, our total liability to you for all claims arising out of or in connection with the Service in any 12-month period is limited to the total fees you paid us for the Service in the 12 months before the event giving rise to the claim.

Kite is a low-cost tool that helps you keep records and submit them, and you remain responsible for your own figures and filings. This cap reflects a fair allocation of risk between us given the price you pay, and it does not cut across the foreseeability test above or the statutory rights set out at the start of this section.

We are not liable for losses that are not reasonably foreseeable, such as loss of profits, loss of business or loss of business opportunity that we and you could not reasonably have expected when you entered into the contract. Nothing in this paragraph limits our responsibility for foreseeable loss, or any of your statutory rights.

14. Third-party services

In short: Kite works with carefully chosen providers, but some things depend on them and on you.

To provide the Service we use third-party providers, including hosting, database and authentication, Open Banking, payment processing, email delivery, storage, error monitoring and AI-assisted categorisation. We describe who these providers are and how they handle personal data in our Privacy Policy.

Your use of HMRC and of any bank you connect is also subject to their own terms. We are not responsible for the systems, decisions or availability of HMRC, your bank, or other third parties, although we will take reasonable care in how we work with the providers we have chosen.

15. Privacy and data protection

In short: we handle your data as described in our Privacy Policy.

We take the privacy of your data seriously, including your tax identity, financial records and any National Insurance number you provide, which is given particular care and masked in our logs. How we collect, use, share and protect your personal data, your rights, and how to exercise them, are explained in our Privacy Policy, available in the legal section of our website. By using the Service you confirm you have read it.

16. Suspension and termination

In short: you can leave at any time; we will only suspend or close your account for good reason, and fairly.

You can stop using the Service and close your account at any time. Deleting your account removes your data as described in our Privacy Policy, including your businesses, quarters, transactions, submissions, receipts, bank connections, profile, help progress, audit logs and categorisation patterns. Deletion is irreversible, so please export anything you want to keep first. Some records may be retained where the law requires, and routine backups are purged on a rolling cycle, as described in our Privacy Policy.

We may suspend or end your access to the Service if:

you seriously or repeatedly break these terms, including the acceptable use rules in section 9;
we reasonably believe you are not eligible under section 2, or are using the Service unlawfully or fraudulently;
you do not pay a fee that is due after we have given you a reasonable chance to fix it; or
we are required to do so by law or by HMRC, or it is necessary to protect the security of the Service or other users.

Where it is reasonable to do so, we will give you notice and a chance to put things right before we suspend or close your account. If we close your account other than for your breach, and you have paid for a period you can no longer use, we will refund the unused part. Closing or suspending your account does not affect rights or obligations that arose before it ended.

17. Changes to these terms

In short: if we change these terms in a way that matters to you, we will tell you in advance.

We may update these terms from time to time, for example to reflect changes in the law, in HMRC requirements, in our providers, or in how the Service works. The version on our website is always the current one, and we will update the effective date at the top. This sits alongside the way we handle changes to the Service itself in section 11.

If we make a change that significantly affects your rights or obligations, we will give you reasonable advance notice, for example by email or a notice in the Service. If you do not agree to a change, you can cancel before it takes effect, in line with sections 7 and 8. Continuing to use the Service after a change takes effect means you accept the updated terms.

18. Complaints and dispute resolution

In short: if something goes wrong, tell us, and we will try to put it right.

If you are unhappy with the Service or how we have handled something, please contact us at admin@kite.tax and we will do our best to resolve it promptly and fairly. Tell us what happened and what you would like us to do, and we will respond.

We are not currently signed up to an alternative dispute resolution (ADR) scheme, so we do not offer ADR. If we cannot resolve your complaint between us, you remain free to take the matter to the courts as set out in section 19.

If your complaint is about how we handle your personal data and we cannot resolve it, you also have the right to complain to the Information Commissioner's Office (ICO), the UK supervisory authority, at ico.org.uk. We would, however, appreciate the chance to address your concerns first.

19. Governing law and jurisdiction

In short: English law applies, and you keep the right to bring a claim where you live in the UK.

These terms, and any dispute arising out of or in connection with them or the Service, are governed by the law of England and Wales.

You and we agree that the courts of England and Wales have jurisdiction to deal with any dispute. If you live in Scotland or Northern Ireland, nothing in this section takes away your right, as a consumer, to bring proceedings in the courts of the part of the United Kingdom where you live, and to rely on the consumer protection law that applies there.

20. General

In short: a few standard points that keep these terms workable.

If any part of these terms is found to be invalid or unenforceable, the rest of the terms continue to apply.
If we do not enforce a right straight away, that does not mean we give it up.
These terms are between you and us. You may not transfer your rights or obligations under them without our consent. We may transfer ours to another organisation, but only where this does not reduce your rights under these terms or under the law.
These terms, together with our Privacy Policy, are the whole agreement between you and us about your use of the Service.

21. Contact details

In short: here is how to reach us.

Company: Kite Tax Limited, registered in England and Wales, company number 17253815.
Registered office: 66 Paul Street, London, England, United Kingdom, EC2A 4NA
Email: admin@kite.tax
ICO registration number: ZC173804

You can find these terms and our Privacy Policy in the legal section of our website.