Terms of Service

Version: 2.4

Last Updated: 5th May 2026

These Terms of Service (“Terms”) govern your access to and use of BizHub365 and all related services operated by Ironworks Software Ltd (“Company”, “we”, “us”, “our”).

The “Service” includes: (a) the website located at https://bizhub365.com; (b) all web applications and dashboards; (c) iOS applications distributed via the Apple App Store; (d) Android applications distributed via Google Play; (e) APIs, integrations, and connected services; (f) any future versions, updates, or related software.

By accessing or using the Service, you agree to be bound by these Terms.

1. Definitions

“Authority” means HM Revenue & Customs (HMRC) or any governmental or regulatory body.
“Content” means all data uploaded, entered, stored, or transmitted by you.
“Submission” means any filing, return, declaration, or transmission to an Authority.
“User” means any person or entity using the Service.

2. Subscription Plans and Pricing

Access to the Service requires an active paid subscription. We offer the following subscription tiers:

BizHub365 Standard — £29 per month or £290 per year;
BizHub365 Pro — £59 per month or £590 per year;
Accountant Starter — £99 per month (up to 10 client businesses);
Accountant Growth — £199 per month (up to 50 client businesses);
Accountant Partner+ — £399 per month (unlimited client businesses).

All prices are exclusive of VAT where applicable. Subscriptions are sold per business entity, not per individual user. You may add unlimited team members to your subscription at no additional charge.

We reserve the right to adjust pricing by giving no less than 30 days' written notice to existing subscribers. Continued use of the Service after the effective date of a price change constitutes acceptance of the revised pricing.

3. Billing and Auto-Renewal

Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your selected billing period). Payment is processed via Stripe. By subscribing, you authorise us to charge your payment method automatically at the start of each billing period.

Annual subscriptions are billed as a single upfront payment. Monthly subscriptions renew on the same calendar date each month. If a billing date falls on a date that does not exist in a given month (for example, the 31st), billing will occur on the last day of that month.

You are responsible for ensuring your payment method remains valid and that sufficient funds are available at the point of renewal.

Failed payments

If a payment fails, our payment processor (Stripe) will automatically retry the charge up to 8 times within 1 week of the original failure using its Smart Retry policy, which optimises retry timing based on likelihood of success. We will notify you by email of failed payment attempts where possible. You should update your payment method promptly to avoid interruption to your Service.

For subscriptions paid by bank debit, up to 2 additional retry attempts may be made in accordance with the applicable direct debit scheme rules.

Cancellation for non-payment

If all retry attempts are exhausted within the 1-week retry window and payment has not been collected, your subscription will be cancelled automatically and your access to the Service will end immediately. No further retries will be made. The unpaid invoice will be marked as uncollectible on our records.

We reserve the right to pursue recovery of any outstanding amounts through lawful means. Any Stripe credit balance held against your account may be applied to an outstanding debt before further recovery action is taken.

Resubscription after non-payment cancellation

If your subscription is cancelled due to non-payment, you may resubscribe at any time by selecting a plan and completing a new checkout. Access will be restored upon successful payment. We do not issue credits or refunds for any period during which your subscription was cancelled due to non-payment. Outstanding balances from a previous cancelled subscription do not carry over to a new subscription but remain recoverable.

Disputed payments

If a dispute (chargeback) is opened in respect of a full recurring payment, your subscription will be cancelled immediately without proration. We reserve the right to contest disputes where we have evidence that the Service was provided in accordance with these Terms.

Upgrades between plan tiers or billing periods take effect immediately. Stripe applies pro-rata credit for any unused time on your previous plan, which is applied as a credit balance against future invoices. No cash refund is issued for the unused portion of a plan on upgrade or downgrade.

4. Cancellation and Refunds

You may cancel your subscription at any time from the Subscription & Billing section of your account. The following policy applies:

Within 14 days of your last plan change

If you cancel within 14 calendar days of the date on which your current plan was activated or last changed (an upgrade or downgrade), you are entitled to a pro-rata refund of the unused portion of your subscription. The refund is calculated based on the number of days remaining in the current billing period at the time of cancellation. Cancellation and the refund take effect immediately. Your access to the Service will end at the time of cancellation.

The 14-day cooling-off period resets each time you upgrade or downgrade to a different plan tier or billing period. Automatic subscription renewals on the same plan do not reset the cooling-off period.

After 14 days of your last plan change

If you cancel more than 14 calendar days after your current plan was activated or last changed, no cash refund is issued. Your subscription will remain active until the end of the current billing period, after which it will not renew and your access will end. Any Stripe credit balance accumulated through plan changes may be visible within your account but will not be refunded in cash.

Non-refundable circumstances

The following are not eligible for refunds under any circumstances:

Cancellations submitted more than 14 days after the last plan change;
Partial use of the Service during a billing period (outside the cooling-off window);
Suspensions resulting from a breach of these Terms;
Fees already applied as Stripe credit balances following a plan downgrade.

These cancellation and refund terms do not affect your statutory rights under UK consumer law, including the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

5. Professional Advice Disclaimer

The Service provides software tools only and does not provide tax, legal, financial, or accounting advice. You are solely responsible for reviewing and verifying all Submissions.

6. Technology & API Risk

Status indicators (including “Submitted” or “Processed”) reflect internal system events only and do not constitute confirmation of receipt or acceptance by an Authority.

Submissions depend on third-party APIs, infrastructure, hosting, telecommunications, operating systems, device compatibility, and external services. Failures may result in rejected, delayed, duplicated, corrupted, or lost Submissions.

Push notifications are delivered via Firebase Cloud Messaging (Google LLC). We do not guarantee delivery, timeliness, or receipt of push notifications. Notification delivery depends on device connectivity, operating system permissions, and the availability of Google Firebase infrastructure, which is outside our control.

7. AI-Assisted Features

The Service may include AI-assisted tools for financial analysis, summarisation, categorisation, or document interpretation.

Such features:

Operate on data you voluntarily submit;
Are provided on an “as available” basis;
Do not constitute financial, tax, legal, or accounting advice;
May produce outputs that require human review and verification.

You remain solely responsible for verifying all AI-generated outputs prior to reliance or submission to any Authority.

8. Data Retention & Backup

We do not guarantee permanent storage or recovery of Content. You are solely responsible for maintaining independent backups.

9. Beta & Experimental Features

Beta or experimental features are provided without warranties and may be withdrawn at any time.

10. App Store & Platform Disclaimer

The Service may be distributed via Apple App Store or Google Play. Apple Inc. and Google LLC are not parties to these Terms and have no responsibility for the Service.

You acknowledge that:

These Terms are between you and Ironworks Software Ltd only;
App stores are not responsible for maintenance or support;
App stores have no warranty obligations;
App stores are not liable for claims relating to the Service.

11. Indemnity

You agree to indemnify and hold harmless the Company from any claims, penalties, regulatory actions, losses, or costs arising from:

Your Content or Submissions;
Failure of a Submission to be received or accepted;
Your breach of law or regulation;
Your misuse of the Service.

12. Limitation of Liability

To the fullest extent permitted by law:

We exclude liability for tax penalties, regulatory fines, lost profits, and consequential loss;
Total aggregate liability shall not exceed fees paid in the preceding 12 months;
Multiple claims shall be treated as a single claim for liability cap purposes.

13. Force Majeure

We are not liable for failures caused by events beyond our control, including cyber-attacks, infrastructure failure, government action, regulatory change, or Authority downtime.

14. Claim Limitation Period

Any claim arising out of or relating to the Service must be brought within 12 months of the event giving rise to the claim, to the fullest extent permitted by law.

15. Suspension & Regulatory Compliance

We may suspend or restrict access where required by law, regulatory direction, or security concerns.

16. Export & Sanctions Compliance

You agree not to use the Service in violation of export controls, sanctions laws, or trade restrictions.

17. Assignment

We may assign or transfer our rights or obligations. You may not assign your rights without written consent.

18. Entire Agreement

These Terms constitute the entire agreement between you and the Company.

19. Severability

If any provision is unenforceable, the remainder shall remain in effect.

20. Governing Law

These Terms are governed by the laws of Scotland. Disputes shall be subject to the exclusive jurisdiction of the Scottish courts.

21. BizHub365 Referral Programme

This section governs participation in the BizHub365 Referral Programme ("Programme"). By registering as a Referrer you agree to be bound by these Referral Programme Terms in addition to the remainder of these Terms. In the event of conflict, these Referral Programme Terms prevail in respect of Programme matters.

21.1 Nature of the Programme

The Programme is an optional, performance-based commission scheme operated by Ironworks Software Ltd, registered in Scotland under company number SC874131, whose registered office is in Scotland ("the Company", "we", "us").

The Programme allows registered participants ("Referrers") to earn commission by introducing new businesses to subscribe to the Service. Participation in the Programme does not create any partnership, joint venture, agency, franchise, sales representative arrangement, or employment relationship between the Company and any Referrer. The Programme offers no guarantee of earnings, income, or commercial results of any kind.

21.2 Eligibility and Registration

Any individual aged 18 or over, or any incorporated entity, may apply to join the Programme by creating a BizHub365 account and completing the referral registration process. Registration requires:

explicit agreement to these Referral Programme Terms;
completion of Stripe Connect Express account onboarding to enable receipt of commission payments;
confirmation that all information provided is accurate and complete.

The Company reserves the right to accept or refuse any application, or to revoke registration, at its absolute discretion and without giving reasons. There is no fee payable to join or remain in the Programme.

21.3 Independent Contractor Status and Tax

The relationship between the Company and each Referrer is that of independent contractor. These Terms do not and shall not be construed to:

create a contract of employment, contract of service, or worker relationship between the Referrer and the Company;
constitute the Referrer as an agent or representative of the Company for any purpose;
entitle the Referrer to any statutory employment rights under UK law, including but not limited to holiday pay, sick pay, statutory maternity or paternity pay, redundancy pay, pension auto-enrolment, minimum wage guarantees, or protection against unfair dismissal;
impose any obligation on the Company to make employer National Insurance contributions in respect of commission payments;
require the Company to operate PAYE or to deduct income tax or employee National Insurance from commission payments.

Each Referrer is solely and exclusively responsible for:

determining their own employment, self-employment, or trading status in accordance with applicable UK law and HMRC guidance;
registering with HM Revenue & Customs as self-employed or otherwise as required by law;
declaring all commission income received under the Programme in their self-assessment tax return or any other applicable filing, in the tax year in which it is received;
paying all income tax, Class 2 and Class 4 National Insurance contributions, and any other taxes, levies, or duties arising from their participation in the Programme;
maintaining accurate records of all commission received, as required under HMRC rules;
obtaining independent legal or financial advice regarding their personal tax obligations before, during, and after participation in the Programme.

The Company will not issue payslips, P60s, or any other payroll documents in connection with commission payments. Commission payments do not constitute salary, wages, or remuneration for employment purposes and will not be reported as such by the Company. The Company reserves the right to report commission payments to HMRC under any applicable information reporting obligation. Each Referrer acknowledges that the Company will never be their employer and that no claim for employment rights, worker rights, or employer contributions of any kind shall be brought against the Company in connection with the Programme.

21.4 Commission Structure

Commission is calculated as a percentage of the net subscription amount charged to a referred business, exclusive of VAT ("Subscription Value"), per billing cycle:

Level 1 — Direct Referral (20 %): A Referrer who directly introduces a new business to the Service earns 20 % of that business's Subscription Value per billing cycle for as long as the business maintains an active, paid subscription.
Level 2 — Indirect Referral (15 %): Where a Level 1 Referrer was themselves introduced to the Programme by another Referrer, that introducing Referrer earns 15 % of the Subscription Value of any business referred by their Level 1 Referrer, for as long as that business maintains an active, paid subscription.

The maximum total commission payable across both levels is 35 % of the Subscription Value per invoice. Commission is payable to a maximum of two levels of separation from the subscribing business. No commission is payable at three or more levels of separation under any circumstances.

Commission is calculated on the net subscription fee before VAT and is not earned on:

setup fees, one-time charges, or administrative fees;
VAT or any other taxes charged to the referred business;
any portion of a subscription fee that is the subject of a refund, dispute, or chargeback;
trial periods, free periods, or promotional periods during which no payment is collected.

All eligible subscription tiers attract commission, including accountant-tier plans. Where an accountant-tier subscriber refers their own client businesses to the Service through BizHub365's accountant client management feature, no commission is earned in respect of those client businesses' subscriptions. Commission is earned only on the accountant business's own direct subscription to the Service.

21.5 Payment of Commission

Commission is held for a period of 30 calendar days from the date the relevant subscription payment is collected ("Hold Period"). This Hold Period exists to allow time for refunds and chargebacks to be processed before commission is released.

Upon expiry of the Hold Period, commission becomes eligible for payment. Eligible commission is transferred to the Referrer's connected Stripe Express account. Referrers must complete and maintain Stripe Connect Express onboarding to receive payments. The Company is not liable for delays caused by Stripe, by banking institutions, or by the Referrer's failure to complete or maintain their connected account.

Stripe's minimum transfer thresholds, where applicable, apply to all payouts. The Company makes no guarantee as to the timing of individual transfers beyond the 30-day Hold Period.

21.6 Clawback of Commission

Commission that has not yet been paid will be reversed ("clawed back") without notice in the following circumstances:

the referred business is issued a full or partial refund by the Company in respect of the payment on which commission was calculated;
the referred business's payment is the subject of a chargeback or payment dispute, regardless of outcome;
the Company determines that a commission was generated through fraudulent activity, self-referral, misrepresentation, or breach of these Terms.

Where commission has already been paid out and a clawback event subsequently occurs, the Referrer authorises the Company to recover the equivalent amount by offsetting against future Eligible Commission. Where no future commission is available or sufficient for offset, the full outstanding amount becomes immediately due and payable by the Referrer to the Company, and the Company reserves the right to pursue recovery through any lawful means.

21.7 Prohibition on Self-Referral

Self-referral is strictly prohibited. A Referrer must not, directly or indirectly, use their referral code or link in connection with:

any business of which the Referrer is a director, owner, shareholder, partner, or beneficial owner;
any business in which the Referrer has a material financial interest or over which the Referrer exercises material control;
any subscription created from the same device or IP address as the Referrer's own BizHub365 account registration, where the Company has reasonable grounds to suspect self-referral;
any arrangement whereby a third party completes a referral on the Referrer's behalf for the purpose, in whole or in part, of circumventing this prohibition.

The Company employs technical controls, including IP address analysis and device recognition, to detect and prevent self-referral. Any commission arising from a detected self-referral will be voided immediately and without notice. The Company reserves the right to terminate the Referrer's account and to recover any commission already paid in connection with self-referral by any lawful means.

21.8 Advertising and Promotion

Referrers may promote BizHub365 using their own resources, including paid advertising, subject to the following conditions:

All advertising and promotional activity must comply with the UK Code of Non-broadcast Advertising and Direct & Promotional Marketing (CAP Code) as published and administered by the Advertising Standards Authority (ASA), and with all applicable UK advertising, consumer protection, and data protection laws and regulations;
All marketing communications must include a clear and prominent disclosure that the Referrer earns a commission if a business subscribes using their referral link (for example: "I earn a commission if you sign up using my link"). This disclosure must appear before the point at which a consumer would reasonably act on the communication;
Referrers must not represent themselves as employees, directors, officers, or official spokespersons of Ironworks Software Ltd;
Referrers must not make any earnings claims that are misleading, unsubstantiated, or that imply guaranteed or typical income from the Programme. Any earnings figures cited must be accurate, personally verifiable by the Referrer, and presented with a clear statement that past results are not indicative of future earnings and may not be representative of all participants;
All costs incurred in advertising or promoting BizHub365, including paid search, social media advertising, display advertising, and any other marketing expenditure, are borne solely and entirely by the Referrer. The Company will not reimburse, contribute to, guarantee, or share any advertising costs, regardless of the outcome of any campaign;
Referrers must not engage in spam, unsolicited bulk messaging, or any marketing activity that breaches the Privacy and Electronic Communications Regulations 2003 (PECR) or the UK GDPR;
Referrers must comply with ASA rulings and CAP Code guidance, including any updates issued during their participation in the Programme. Persistent or serious non-compliance with the CAP Code may result in immediate termination of the Referrer's Programme participation.

21.9 Prohibited Conduct

In addition to the restrictions set out elsewhere in this section, Referrers must not:

make false, misleading, or disparaging statements about the Service, the Programme, the Company, or its staff;
target or solicit vulnerable consumers or use high-pressure, coercive, or misleading sales tactics;
interfere with, solicit away, or disrupt any existing customer or business relationship of the Company;
use the Programme as a vehicle for, or in connection with, any pyramid scheme, Ponzi scheme, or multi-level marketing structure beyond the two tiers expressly described in these Terms;
create multiple BizHub365 accounts to exploit the Programme;
take any action that damages or is reasonably likely to damage the reputation, goodwill, brand, or commercial interests of the Company.

21.10 Intellectual Property Licence

Referrers are granted a limited, non-exclusive, non-transferable, revocable licence to use BizHub365 trade marks, logos, and brand assets solely for the purpose of promoting the Service in accordance with these Terms and with the Company's then-current brand guidelines. This licence may be withdrawn at any time without notice. All intellectual property rights in BizHub365, including all trade marks, domain names, logos, and brand assets, remain the exclusive property of Ironworks Software Ltd. No other rights are granted.

21.11 Deactivation and Termination

Either party may deactivate the Referrer's participation in the Programme at any time by providing written notice. Immediate deactivation without notice may be applied by the Company in cases of fraud, self-referral, breach of these Terms, or conduct materially detrimental to the Company.

Upon deactivation of a Referrer's account:

no new commissions will be generated from the date of deactivation;
commissions already within the Hold Period at the date of deactivation will continue to be processed and, if no clawback event occurs, paid out upon expiry of the relevant Hold Period;
any Level 2 commission payable to the deactivated Referrer ceases immediately from the date of deactivation;
the Referrer's unique referral code will be deactivated and will no longer generate commission attribution for new referrals.

Account deletion will be carried out only after the last outstanding Eligible Commission has been paid out or voided. The Company will retain such records as are required by law, regulation, or its legitimate business interests following deletion. No commission is payable after account deletion is completed.

21.12 No Guarantee of Earnings

Participation in the Programme does not guarantee any level of income, commission, or commercial return. Any earnings figures or case studies shared by the Company or by any Referrer are illustrative only and are not a representation or guarantee of future earnings. Individual results depend entirely on the Referrer's own effort, skills, and market conditions.

21.13 Amendments to Programme Terms

The Company reserves the right to amend commission rates, the Hold Period, payout conditions, eligibility criteria, or any other aspect of these Referral Programme Terms at any time by giving no less than 30 calendar days' written notice to active Referrers. Continued participation after the effective date of any amendment constitutes acceptance of the revised terms. If a Referrer does not accept the revised terms, they may deactivate their account before the effective date without penalty.

21.14 Limitation of Liability (Programme)

To the fullest extent permitted by law, the Company's total aggregate liability to any Referrer in connection with the Programme (whether in contract, tort, or otherwise) is limited to the amount of commission validly earned and unpaid at the date the claim arises. The Company is not liable for any loss of anticipated commission, loss of profit, loss of business opportunity, or any indirect, special, or consequential loss of any kind arising from participation in, or termination of, the Programme.