Terms of Use

Tofflo — Making Tax Digital compliance app

Last updated: 2 September 2026 · Effective date: 31 August 2026

1. Introduction

These Terms of Use (“Terms”) govern your use of the Tofflo mobile application (“the App”) and associated services provided by Varyn Ltd (“we”, “us”, “our”), a company registered in England and Wales (company number 17033319), whose registered office is at Holmfield, Moor Road, Colchester, Essex, CO4 5NR.

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use the App.

2. Description of service

Tofflo is a mobile application that helps UK landlords comply with HM Revenue & Customs’ (HMRC) Making Tax Digital for Income Tax Self Assessment (MTD ITSA) requirements. The App enables you to:

• Record property income and expenses
• Store receipt photographs as supporting evidence
• Connect to your HMRC account via OAuth 2.0
• View your HMRC quarterly obligations
• Send quarterly updates to HMRC

Recording income and expenses is free for 1 rental property. Some features — including unlimited properties, sending quarterly updates to HMRC, attaching receipt photos, compliance certificate tracking, and deadline reminders — require a paid Tofflo Pro subscription (see Section 10). If you already have more than 1 property, you keep full access to all of them — the limit applies only to adding further properties on the free plan.

3. HMRC disclaimer

Tofflo is not affiliated with, endorsed by, or operated by HMRC. We are an independent software provider that connects to HMRC’s APIs on your behalf.

Tofflo does not provide tax advice. The App is a record-keeping and submission tool only. You are solely responsible for:

• The accuracy and completeness of all income and expense data you enter
• Ensuring your submissions comply with HMRC’s requirements
• Meeting all tax filing deadlines and obligations
• Seeking professional tax advice where necessary

We do not verify, audit, or validate the tax data you enter. Submitting incorrect information to HMRC may result in penalties or other consequences for which we accept no responsibility.

4. Eligibility

To use the App, you must:

• Be at least 18 years of age
• Be a UK taxpayer with UK property income subject to MTD ITSA
• Have a valid HMRC Government Gateway account
• Provide accurate account information

5. Your account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at[email protected]if you become aware of any unauthorised use of your account.

6. Acceptable use

You agree not to:

• Use the App for any unlawful purpose or in violation of any applicable law or regulation
• Submit false, misleading, or fraudulent information to HMRC through the App
• Attempt to gain unauthorised access to the App, our servers, or any connected systems
• Reverse engineer, decompile, or disassemble the App or any part of it
• Use the App to transmit malware, viruses, or other harmful code
• Interfere with or disrupt the App’s operation or the servers and networks connected to it
• Use the App on behalf of another person without their explicit authorisation
• Resell, sublicense, or redistribute the App or any part of its functionality
• Remove, alter, or obscure any copyright, trademark, or proprietary notices

7. HMRC connection and submissions

7.1 Authorisation

When you connect the App to your HMRC account, you authorise us to access HMRC’s APIs on your behalf to retrieve your business details, obligations, and submission history, and to send quarterly updates as instructed by you.

7.2 Explicit confirmation required

The App will never submit data to HMRC without your explicit confirmation. You will always be shown a summary of the data to be submitted and must actively confirm before any submission is made.

7.3 Submitted data

Once a quarterly update has been sent to HMRC, the associated transactions in the App are locked and cannot be modified or deleted. This reflects the fact that the data has been transmitted to HMRC and forms part of your tax record.

7.4 HMRC fraud prevention

By using the App to interact with HMRC, you acknowledge that we are required by law to collect and transmit certain device information (fraud prevention headers) with every HMRC API request. See ourPrivacy Policyfor full details.

8. Intellectual property

8.1 Ownership

The App, including its design, code, features, content, trademarks, and all associated intellectual property, is owned by Varyn Ltd and is protected by copyright, trademark, and other intellectual property laws of England and Wales and international treaties.

8.2 Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for its intended purpose, subject to these Terms. This licence does not transfer any ownership rights to you.

8.3 Feedback

Any feedback, suggestions, or ideas you provide about the App may be used by us without any obligation to compensate you.

9. Availability and updates

We aim to keep the App available at all times but do not guarantee uninterrupted access. The App may be temporarily unavailable due to:

• Scheduled or emergency maintenance
• HMRC API outages or changes
• Circumstances beyond our reasonable control

We may update the App from time to time. Some updates may be required for continued use.

10. Subscriptions, fees and payment

10.1 Plans and prices

The App’s basic record-keeping features are free for 1 rental property.Tofflo Pro is a paid, auto-renewing subscription that unlocks unlimited properties and the other features listed in Section 2. Tofflo Pro is available as:

• Monthly — £4.99 per month
• Annual — £49.99 per year

Prices are in pounds sterling and include VAT where applicable. The exact price is always shown to you before you confirm a purchase. Prices shown in the App Store may vary in accordance with Apple’s territory pricing.

10.2 How you are billed

• Android and web: payment is taken by our payment processor, Stripe, through Stripe Checkout. Your contract for the subscription is with Varyn Ltd. We never see or store your card details.
• iOS: payment is taken through Apple In-App Purchase and charged to your Apple Account at confirmation of purchase. Apple is the merchant of record for these purchases, and Apple’s terms also apply to them.
• We do not use Google Play’s billing system.

10.3 Automatic renewal

Tofflo Pro renews automatically at the end of each billing period (monthly or yearly, depending on your plan) at the then-current price, and will continue to renew until you cancel:

• Stripe subscriptions can be cancelled at any time before the renewal date.
• Apple subscriptions renew unless auto-renew is turned off at least 24 hours before the end of the current period.

10.4 How to cancel

• If you subscribed on Android or the web (Stripe): open the App and go to Settings → Manage Subscription, which opens Stripe’s secure customer portal where you can cancel, switch between monthly and annual, or update your payment method. You can also email us at [email protected] and we will cancel it for you.
• If you subscribed on iOS (Apple In-App Purchase): open Settings on your iPhone or iPad, tap your name, then Subscriptions, and cancel there (or manage subscriptions in the App Store). Apple subscriptions can only be cancelled through Apple — we cannot cancel one for you.

10.5 Effect of cancellation

When you cancel, you keep Tofflo Pro until the end of the billing period you have already paid for, after which your account reverts to the free plan. Your recorded data is not deleted and remains available on the free plan, subject to our Privacy Policy. Except for your statutory rights (Section 10.7), we do not give pro-rata refunds for the unused part of a billing period. Refunds for Apple In-App Purchases are handled by Apple under Apple’s terms — you can request one atreportaproblem.apple.com.

10.6 Price changes

We may change subscription prices. If we do, we will give you at least 30 days’ notice by email or in the App before the new price takes effect, and it will only apply from your next renewal — never to a period you have already paid for. If you do not agree with a price change, you can cancel before the renewal date. For Apple subscriptions, Apple’s own notice and consent process for price changes also applies.

10.7 Your statutory cancellation rights (14-day cooling-off)

If you are a consumer in the United Kingdom, you have a statutory right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 to cancel your subscription within 14 days of purchase without giving a reason.

Tofflo Pro is a digital service that begins as soon as your purchase completes — by subscribing, you request that we start supplying the service immediately. You still keep your 14-day right to cancel, but if you cancel within the 14-day period we may deduct a proportionate amount for the service already supplied up to the point you told us you wished to cancel, and refund the rest.

To exercise this right for a Stripe subscription, email[email protected]within 14 days of purchase. For an Apple In-App Purchase, statutory cancellation and refunds are handled by Apple — contact Apple atreportaproblem.apple.com.

Nothing in these Terms affects your statutory rights under the Consumer Rights Act 2015, including the right to digital content and services of satisfactory quality.

10.8 Failed renewal payments

If a renewal payment fails, Stripe will retry it. You keep Tofflo Pro during the retry period. If the payment still cannot be collected, the subscription is cancelled and your account reverts to the free plan.

11. Limitation of liability

11.1 Service provided “as is”

To the maximum extent permitted by law, the App is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11.2 Exclusions

To the maximum extent permitted by law, we shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunity
• Penalties, interest, or other charges imposed by HMRC arising from incorrect, incomplete, or late submissions
• Errors or omissions in data you have entered into the App
• Any failure or delay caused by HMRC’s systems or APIs
• Any loss arising from unauthorised access to your account where you have failed to keep your credentials secure

11.3 Cap on liability

Our total aggregate liability to you for any claims arising from or related to the App shall not exceed the total amount you have paid us for use of the App in the 12 months preceding the claim, or fifty pounds (GBP 50), whichever is greater.

11.4 Consumer rights

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law. These Terms do not affect your statutory rights as a consumer.

12. Indemnification

You agree to indemnify and hold harmless Varyn Ltd, its directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your use of the App
• Your breach of these Terms
• The data you submit through the App to HMRC
• Any violation of applicable law or regulation

13. Termination

13.1 By you

You may stop using the App at any time. You may request deletion of your account by contacting us at[email protected]. Deleting your account does not by itself cancel a paid subscription — cancel it first as described in Section 10.4.

13.2 By us

We may suspend or terminate your access to the App at any time, with or without notice, if:

• You breach these Terms
• We are required to do so by law
• We discontinue the App or any part of it
• Your conduct poses a security risk to the App or other users

13.3 Effect of termination

Upon termination, your licence to use the App ends immediately. We will retain your tax data for the period required by law (see ourPrivacy Policy). Sections 3, 8, 11, 12, and 14 survive termination.

14. Governing law and disputes

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or in connection with these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts of England and Wales.

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. Entire agreement

These Terms, together with ourPrivacy Policy, constitute the entire agreement between you and Varyn Ltd regarding your use of the App and supersede any prior agreements.

17. Changes to these terms

We may update these Terms from time to time. We will notify you of material changes via the App or by email. Your continued use of the App after changes take effect constitutes acceptance of the revised Terms. If you do not agree with the changes, you must stop using the App.

18. Contact us

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

Varyn Ltd
Holmfield, Moor Road, Colchester, Essex, CO4 5NR
Email: [email protected](subscription and billing queries:[email protected])