Legal
Terms of Service
Acceptance of terms
By accessing or using the Marchant platform (“Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use the Service. Appslab Ltd, trading as Marchant (“Marchant”, “we”, “us”) provides the Service subject to these Terms.
If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity. In that case, “you” refers to the entity.
Description of service
Marchant is a cloud-based business finance platform providing invoicing, expense management, bank reconciliation, accounting, UK payroll sync via BrightPay, tax filing and reporting features for businesses operating primarily in the United Kingdom.
We reserve the right to modify, suspend or discontinue any part of the Service at any time with reasonable notice, except where required to do so immediately for legal, security or technical reasons.
Account registration
- You must provide accurate, current and complete information when creating an account.
- You are responsible for maintaining the confidentiality of your credentials and all activity that occurs under your account.
- You must be at least 18 years old and legally capable of entering into contracts.
- You must notify us immediately at legal@getmarchant.com of any unauthorised access to your account.
Subscriptions and payment
- Access to paid features requires a paid subscription. Prices are listed at getmarchant.com/pricing and exclude applicable VAT.
- Subscriptions are billed monthly or annually in advance. All fees are non-refundable except as set out in clause 5.
- We may change subscription prices with at least 30 days’ written notice. Continued use after the notice period constitutes acceptance of the new price.
- If payment fails, we will retry the payment and contact you before suspending access to paid features.
- You authorise us to store your payment method and charge it on a recurring basis until you cancel.
Free trial and cancellation
Every plan includes a 30-day free trial; Enterprise trials are arranged with our sales team. No credit card is required to start a trial. At the end of the trial period, you will be prompted to enter a payment method to continue using paid features.
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. We do not provide refunds for unused portions of a billing period, except where required by law or at our sole discretion.
Within 30 days of the start of a new paid subscription (excluding trials), you may request a full refund if you are not satisfied. Contact legal@getmarchant.com.
Acceptable use and licence restrictions
How you may use the Service is governed by our Acceptable Use Policy, which forms part of these Terms. It sets out the prohibited activities in full — illegal use, abuse and harm, security violations, scraping, impersonation, and anything that disrupts the Service for others.
In addition, and as limits on the licence granted in these Terms, you agree not to:
- Reverse engineer, decompile or disassemble any part of the Service.
- Resell or sublicense access to the Service to third parties without our written consent.
Your data
You retain full ownership of all financial data, documents and content you upload to the Service (“Customer Data”). You grant us a limited, non-exclusive licence to store and process Customer Data solely to provide the Service.
We will not share Customer Data with third parties except as described in our Privacy Policy or as required by law. You are responsible for ensuring Customer Data does not infringe third-party rights.
You may export your data at any time from your account. After account termination, we will retain your data for 90 days so you can retrieve it, after which it is deleted — except records we must keep for up to 7 years to meet financial record-keeping obligations, as set out in our Privacy Policy.
Intellectual property
The Service, including its software, design, text and branding, is the property of Appslab Ltd and is protected by copyright, trademark and other intellectual property laws. These Terms do not grant you any rights to our intellectual property except for the limited licence to use the Service.
Third-party integrations
The Service integrates with third-party services including bank open banking APIs, HMRC, Stripe and others. Your use of such integrations is subject to the third party’s own terms of service. We are not responsible for the availability, accuracy or security of third-party services.
Disclaimers
The Service is provided “as is” and “as available” without warranties of any kind, express or implied. To the maximum extent permitted by law, we disclaim all warranties, including fitness for a particular purpose, merchantability, and non-infringement.
Marchant is not a licensed accountant, tax adviser or financial adviser. The Service is a software tool to help you manage your finances. It does not constitute professional advice. You remain responsible for the accuracy of your accounts and the correctness of any tax filings submitted via the Service.
Limitation of liability
To the maximum extent permitted by applicable law, Appslab Ltd shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, goodwill or business interruption, arising out of or related to your use of the Service.
£100
Liability cap
Our total aggregate liability to you for all claims arising under or in connection with these Terms shall not exceed the greater of (a) the fees paid by you to us in the 12 months preceding the claim, or (b) £100.
Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded by law.
Indemnification
You agree to indemnify and hold Appslab Ltd, its officers, directors, employees and agents harmless from any claims, damages, losses and expenses (including legal fees) arising out of your use of the Service, your Customer Data, or your violation of these Terms.
Governing law and disputes
These Terms are governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales for any disputes arising under or in connection with these Terms, subject to any mandatory consumer law protections in your jurisdiction.
Changes to these terms
We may update these Terms from time to time. We’ll notify you by email and/or in-app notification at least 30 days before material changes take effect. Continued use after the effective date constitutes acceptance of the revised Terms.
General
Entire agreement
These Terms, together with our Acceptable Use Policy and, where it applies, our Data Processing Agreement, constitute the entire agreement between you and us regarding the Service. Our Privacy Policy explains how we handle personal data.
Severability
If any provision is held unenforceable, the remaining provisions will continue in full force.
Waiver
Failure to enforce any provision does not constitute a waiver of our right to enforce it in the future.
Assignment
You may not assign these Terms without our consent. We may assign our rights to a successor in connection with a merger or acquisition.