Legal

What Finality is, and is not

Finality is a computational tool and nothing more. It applies published rules to data you provide and shows the working behind the result. It does not exercise judgement on your behalf, it does not know your circumstances, and it does not advise. You own the tax return.

Azimuth Systems Ltd is not a firm of accountants, not a regulated tax adviser, and not affiliated with or endorsed by any tax authority. Nothing Finality produces is tax advice, and nothing in it should be treated as a recommendation about how to file.

This is not boilerplate we hope you skip. It is the basis on which the software is offered, and the price reflects it: you are buying a computation and its workings, not an opinion and not an assurance.

Every output states its own limitations on its face: what was not covered, and which way that omission moves the figure. Some matters in any computation are questions of fact or judgement, and those are put to you explicitly rather than decided on your behalf. Where a computation disagrees with your own records, your records should be preferred until the difference is explained.

Who you are contracting with

Finality is a product of Azimuth Systems Ltd, a company registered in England and Wales. The company is the contracting party for these terms, the data controller for everything described on Security, and the merchant of record for every payment.

Azimuth Systems Ltd is a software company. It is not a firm of accountants, not a regulated tax adviser, and not affiliated with or endorsed by any tax authority. Finality trades under its own name; the company operates other products, and nothing here is offered under a professional body’s rules. Your card statement and any receipt will show Azimuth Systems Ltd, so the name is not a surprise.

Your return is yours

Under UK self-assessment the taxpayer is responsible for the accuracy and completeness of their own return. That is a matter of law and not something these terms create or could change. Practically, it means:

• You are responsible for connecting every wallet, exchange and source you hold. Anything you do not connect carries no cost basis, and the resulting gain will be overstated. Finality cannot know what you have not told it about.
• You are responsible for answering the open questions. Finality states the financial consequence of each possible answer before you choose, and records which of them you picked — but the choice is a question of fact about your own affairs, and only you can answer it.
• You are responsible for checking the figures against your own records before you file, and for the decision to file.
• Outputs are marked unaudited. They are working papers to support a return and a conversation with an adviser, not a substitute for either.

Penalties and interest. We do not accept responsibility for penalties, interest, additional tax or any other consequence arising from what you choose to file, from sources you did not connect, from the answers you gave to the open questions, or from a decision to file without professional review. The software computes; the filing is yours, and so is the responsibility for it.

Responsibility, and the limits of ours

Finality is supplied as is. To the fullest extent the law allows, we give no warranty, condition or other term — express or implied, by statute, common law or otherwise — that the software will be free from defects, uninterrupted, or that any figure it produces is correct without the independent review described above.

We do not assume responsibility for your tax position, and these terms are written so that no such responsibility arises. Finality does not exercise professional judgement, does not hold itself out as competent to do so, and tells you on the face of every output that it has not.

To the fullest extent permitted by law, and subject to the paragraph below:

• We accept no liability for indirect or consequential loss, or for loss of profit, revenue, goodwill, business opportunity, tax reliefs, or data, however arising.
• We accept no liability arising from your reliance on the output without the professional review these terms require.
• Where liability cannot be excluded, our total liability for any tax year — in contract, tort (including negligence), for breach of statutory duty or otherwise — is limited to the amount you paid us for that tax year.

What no contract can exclude. Some liabilities cannot lawfully be excluded or limited by anyone, and a term that tried to would simply not bind you. Those are: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; and, if you are a consumer, your statutory rights in respect of digital content under the Consumer Rights Act 2015 — that it be of satisfactory quality, fit for a purpose you made known to us, and as described. Those rights sit alongside these terms rather than being replaced by them, and free advice about them is available from Citizens Advice. Nothing above is intended to affect them.

If you send the output to somebody else. Finality lets you share a year with an accountant or adviser by link. Doing that does not make them a party to this contract, and we owe them no duty in respect of what they read: the figures were produced for you, from data you provided, on the terms above. You remain responsible for what you share and with whom, and the link can be revoked from your account at any time. Nothing here limits what the recipient may already be owed by their own professional adviser, or by us under any separate agreement we have signed with them.

If you ask us to email the link. When you share a year, the option to email the link to the address you have entered is selected by default — that is what sharing with an accountant normally means, and the form says so above the button. Clear the tick and we send nothing: the link appears on the page for you to pass on yourself. Either way, you supply the address and you are responsible for it being the right one. We have no way to know whether an address belongs to your accountant, and we do not attempt to verify it — we send exactly what you instructed, once, to the address you typed. A link sent to a wrong address gives whoever holds it read-only access to that tax year until you revoke it, so check the address before you send, and revoke immediately if it was wrong. Revocation is on your review screen and ends access at once.

We are not responsible for what happens to the figures after they reach the address you gave us, or for the security of an inbox we do not control. That is a limit on responsibility for your choice of recipient, not on anything else in these terms: our duties to you for the service itself, and the liabilities listed under What no contract can exclude above, are unaffected.

Who counts as a consumer. You are a consumer if you are an individual acting wholly or mainly outside your trade, business, craft or profession, which is the test in section 2(3) of the Consumer Rights Act 2015. If you are, the protections named in this section apply to you and nothing in these terms takes them away. If you are not, you are a business customer and the paragraph below is the basis on which we price.

If you are a business customer, these limits are the basis on which the price is set. We consider them reasonable given the amount charged, the fact that the software is supplied as a computational aid requiring independent review, and that responsibility for the return rests with the taxpayer in any event. If you need cover beyond them, tell us before you buy and we will decline rather than pretend otherwise.

Cancellation and refunds

A filing year is a one-time purchase, not a subscription, and the entitlement is permanent — you can re-export the working paper and workbook for a year you have paid for at any point in the future, and they will render identically.

Because a filing year is digital content that becomes available immediately, the statutory 14-day cancellation right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 is disengaged once supply begins with your express consent and your acknowledgement that the right is lost. Paying gives both. The checkout says so beside the payment button, before you pay: paying starts your year immediately, and once your working paper or evidence workbook has been produced the statutory right no longer applies. We record the moment it was given.

We nonetheless offer a refund as a term of this contract, whether or not the statutory right would have applied, at any time before the working paper or evidence workbook has been produced. Producing them is the supply of the service: they are the whole of what a filing year buys, and a document cannot be handed back. Producing them is also something you choose to do, on a screen that asks you to approve the answer set first — it does not happen to you.

There is no time limit before that point. A year you have paid for and not yet exported can be refunded in January as readily as in April, because until the documents exist you have received nothing. After they exist, the permanent access described above is what you paid for and what you keep; a refund at that stage is a matter for us to decide case by case rather than a term of this contract, and where we grant one, access to produce further documents for that year ends with it.

A refund is made for the amount charged, in the currency it was charged in, to the original payment method, and never in kind. To request one, email info@finalitycryptotax.com; there is no form to find and no retention process to sit through.

Reviewing a client’s shared figures is free. Firm accounts are not yet available and nothing for firms can be bought today. When they are offered, the terms that apply to them will be published here before anything can be purchased, including whether and how you can cancel.

Changes, and the law that applies

We may change these terms, and a change only ever governs a purchase made after it takes effect. It does not apply retrospectively to a tax year you have already bought: the version in force when you purchased is the version that governs that year, permanently, including your right to re-export it. If a change materially affects a year you already hold, we will say so before it takes effect — and because a filing year is a one-time purchase rather than a subscription, you are never in the position of having to accept new terms to keep something you have already paid for.

If something goes wrong. Email info@finalitycryptotax.com and say what happened. We will acknowledge it within five working days and tell you what we intend to do about it. We are not members of a certified alternative dispute resolution scheme and are not obliged to use one, so we are not offering you a route we do not have; if we cannot resolve a complaint between us, your rights in court are unaffected and free advice about them is available from Citizens Advice.

Nobody else can enforce these terms. A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of it. That does not affect any right or remedy available to them apart from that Act.

If part of this is unenforceable, the rest still stands. If any term is found to be unfair, unlawful or unenforceable, it is treated as removed and the remainder continues in force. A term that is not binding on you as a consumer simply does not bind you; it does not release you or us from the rest.

You may not transfer your rights under these terms to somebody else without our agreement. We may transfer ours if the business is sold or reorganised, and if we do, your entitlement to every year you have paid for transfers with it — that permanence is the point of it, and a sale is exactly the moment a promise like that is worth having in writing.

These terms are governed by the law of England and Wales. If you are a consumer resident elsewhere in the UK, you may bring proceedings in your own jurisdiction and you keep the benefit of any mandatory consumer protections that apply there.

Privacy

Azimuth Systems Ltd is the data controller, registered with the Information Commissioner’s Office under number ZC192137.

We hold your email address, the wallet addresses you declare, any transaction files you upload, and the raw provider responses and the computations built from them. We hold this to provide the service you have asked for — the lawful basis is performance of our contract with you — and, where we are required to keep records of a transaction, to meet that obligation.

We never hold private keys, funds, or any ability to move them. We hold no exchange API credentials of any kind: exchange history reaches us as a CSV file you export and upload, so there is nothing stored that could be used to reach your account. Anything you upload is never written to logs or exception traces, and can be removed from Finality in a single action.

You can export everything we hold as a single archive, and you can delete your account from the account page. Deletion offers the export first and completes within 30 days.

In the language of the UK GDPR, you have the right to access what we hold (the export), to have it ported elsewhere (the same export, in machine-readable form), to have it rectified if it is wrong, to have it erased, and to object to or restrict our processing of it. Ask us at info@finalitycryptotax.com and we will answer within one month.

No decision about you is made by a machine alone. Finality computes figures and puts every question of fact or judgement to you; it does not profile you and it produces no automated decision with a legal or similarly significant effect.

If we get it wrong. Tell us first — we would rather fix it than have you chase it. If you are not satisfied, you can complain to the Information Commissioner’s Office at ico.org.uk/make-a-complaint or on 0303 123 1113. Complaining to us first is not a condition of complaining to them.

Who else touches it

We use a small number of processors, and no others:

• DigitalOcean — the servers this product runs on and the storage its backups go to. Both are pinned to their London region, so your data and its backups stay in the United Kingdom.
• Vercel — hosts this marketing site only. It never receives your wallets, your figures or your documents; those exist only on the product host. No analytics product runs on this site, so what Vercel sees is the request metadata any host sees — not behavioural tracking.
• Resend — sends your sign-in emails, a note when a scan you started has finished (which tax year, whether every source could be read, and a link to your own account — never a figure), and your accountant their access link when you choose to email one. It handles your email address; for a share it also handles the address you gave us for your accountant and the link itself, which opens that one tax year read-only. When an accountant invites a client, it handles the client’s address and the accountant’s own, and a link to the sign-in page. Nothing else.
• Stripe — processes payment when you buy a tax year, as a controller in its own right for the card details we never see or store.

We also evaluate an automated classification service, TypeSafe AI (hosted in the United States), on examples we invent and on this product’s own wording. It receives none of your data — no wallet, figure, document or email address — and is not a processor of it. If that ever changes, it will be listed above, with the safeguards for the transfer, before any of your data is sent to it.

If you share a year with an accountant. You give us their email address, and we hold it so the list on your review screen can tell you who each link was for. The form offers to email them the link and that option is ticked by default, which the form states above the button; clearing it means we send nothing and simply show you the link to pass on yourself.

Our basis for holding their address is our legitimate interest in providing the sharing feature you asked for, and theirs in receiving a document their client meant them to have. It is not “performance of our contract” — your accountant is not party to any contract with us. We keep it against the share for as long as the share exists on your account: revoking a link ends their access immediately but does not delete the record of it, because that record is how your own screen tells you who you shared with and when. Deleting your account deletes it. We use it for one other thing: if your accountant signs in to Finality with that same address, the share appears in their list of clients, which is the same person and the same year the link already reaches. Nothing else, and they can ask us what we hold about them and to erase it, on the same contact details below.

Reviewing with your accountant. Once signed in, your accountant can comment on the year you shared and on each of its open questions, mark each question reviewed with the position they took, and sign off the year; you can reply and approve their sign-off. We hold those comments, marks and sign-offs against your account and the address you shared with, and show them only to you and to whoever signs in with that address while a share to it is live. We email nothing about them. Deleting your account deletes them, and so does your accountant deleting theirs, for what was addressed to them. Our basis is the same as for the share: providing the feature you asked for.

If an accountant invites you. An accountant who uses Finality can ask us to email you an invitation. We hold the address they typed, who sent it and when, and whether you later signed in or paid, so we can count how many people accountants bring to us. The accountant is never shown any of that: they see you only if you choose to share a tax year with them, or accept a licence their firm offers you, when they are shown that you accepted it. Our basis is our legitimate interest in letting accountants introduce their clients. If you never sign in, we hold the invitation and nothing else, and you can ask us to erase it.

If you do ask us to send it, we email that address once, on your instruction, with a link that opens that one tax year read-only — nothing else of yours, and no other year. The message names you as the sender so the recipient can see who it came from. We do not verify that the address belongs to your accountant, because we have no way to; the address you type is the address we send to. You can revoke the link at any time and their access ends immediately. We do not contact them again, we do not use their address for anything else, and we never send them marketing.

If you connect an AI assistant. You can connect Finality to an AI assistant you use, such as Claude or ChatGPT. You start the connection in that assistant, sign in to Finality and choose what it may do. By default it may only read: your connected wallet addresses and imported file names, your holdings and their estimated value, the transactions that need your review, findings, open questions and whether you have paid for a year; and, for a year you have paid for, every transaction, the amounts, your computed position and your documents. It cannot see your sign-in details, your email address or your card details. If you choose Full automation, it can also add and remove wallets and start scans for you. Anything it changes is labelled, a removal can be restored for 30 days, and it can never import or remove files, delete your account or change your sign-in.

When you ask the assistant a question, we send it the information needed to answer, at your direction. From that point the assistant’s provider (for example Anthropic or OpenAI) handles it under its own privacy policy and terms, which we do not control, and it may be processed outside the United Kingdom. That provider is not our processor: you choose it and you can stop it at any time. You can disconnect an assistant under Account → Agent access. It then loses access on its next request, though anything it already received stays with its provider.

We do not sell your data and we do not use it to train anything. No other party receives it, apart from an AI assistant you connect yourself, as described above.

Transfers outside the UK. Your wallet history, computed positions and documents are processed and backed up in London and are not transferred abroad by us. If you connect an AI assistant, what you ask it about is sent to its provider at your direction and may be processed outside the UK, as described above. Vercel and Resend are US-headquartered, so the limited data they handle — request metadata for this site, and email: your address, plus your accountant’s address and their access link where you ask us to send one — may be processed outside the UK under the UK extension to the EU-US Data Privacy Framework or standard contractual clauses. If you would rather not have your address handled that way, there is no way to sign in without it, and you should not create an account.

How long we keep it

While your account is open. We hold your data for as long as you have an account with us. That is deliberate rather than incidental: a tax year is bought once and never expires, and somebody asked about 2025-26 in three years needs the working paper we produced for it. HMRC can open an enquiry long after a return is filed, and a report you can no longer obtain is not much use when they do.

Within 30 days of you asking. Deleting your account removes your wallet addresses, uploaded files, scan history, computed positions and documents. What survives is the record that a payment happened, which we are required to keep for tax and accounting purposes, and which is not linked to your wallets or your figures. That record is the tax year, the amount, the date, the country of purchase and the payment reference — no email address, no wallet, no figure — and we keep it for six years from the end of the year you paid, then delete it. That deletion is carried out by the Director when the system reports a record has reached the end of its period; it is not automatic, because destroying an accounting record is a decision the company takes rather than one a timer takes for it.

Within 30 days, from backups. Backups are kept for 30 days and then deleted. A backup taken before you asked us to delete you still contains you, so your erasure completes when those copies roll off — within a month, and not longer. We say this rather than claiming an instant erasure from every copy, which no system that keeps backups can honestly promise.

We do not sell your data, and we do not use it to train anything. The marketing site and the product run on separate origins specifically so that anything added to the former — analytics included, should we ever add any — can never reach session state on the latter.