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 warns about this, but it 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 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. We ask for both at checkout, in plain words, before taking payment.

We nonetheless offer a refund within 14 days of purchase as a term of this contract, whether or not the statutory right would have applied. It is refunded in the pounds sterling amount charged, to the original payment method. Refunds are never made in kind — including where you paid in a stablecoin, because a price movement between purchase and refund would otherwise create a dispute in every direction. To request one, email info@finalitycryptotax.com; there is no form to find and no retention process to sit through.

Practitioner seats are a monthly subscription, cancellable at any time through the Stripe Customer Portal, reachable in one click from your account page.

Changes, and the law that applies

We may change these terms. If a change materially affects you we will say so before it takes effect, and it will not apply retrospectively to a tax year you have already bought. The version in force is the one published when you purchased.

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, read-only exchange API credentials in encrypted form, 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. Exchange credentials are accepted only where they are read-only and withdrawal-disabled, verified at the point of connection and refused otherwise. They are sealed with a key unique to your account, are 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. You also have the right to ask us to correct what we hold, to object to or restrict processing, and to complain to the ICO.

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 analytics on the former can never reach session state on the latter.