Terms of Service

1. Who we are

Mini Accounts is provided in the United Kingdom by Aulakh Accounting and Technology Solutions, a sole proprietorship of Kulwinder Singh, Chartered Accountant (India), of VPO Gurney Kalan, Budhlada, District Mansa, Punjab 151502, India (“we”, “us”). We are established in India and supply the service from there; we have no establishment in the United Kingdom, are not registered in any trade register, and are not registered for UK VAT. You can reach us at support@miniaccounts.uk, or by the telephone number and address on the Contact page.

“You” means the person who registers an account, and the business or practice it is registered for. The software is not an accountancy service and nothing in it, or on this website, is advice.

2. Agreeing to these terms

You agree to these terms when you tick the box on the registration form and register. The steps are: fill in the form, tick the box, press Register, and enter the code we email you to confirm your address; your account then opens and we confirm it by email. Until you press Register nothing is sent, so a mistake on the form is corrected by correcting it. These terms are in English, and this page can be saved or printed so that you can keep them. We do not keep a copy of the contract for you beyond the record that you agreed, which is described in the Privacy Policy.

The Privacy Policy, the Refund and Cancellation Policy and the Disclaimer are part of these terms. If you do not agree, do not register or use Mini Accounts.

3. Who may use it

• You must be 18 or over.
• Mini Accounts is for keeping the accounts of a business, or for running an accountancy practice. Register it for that business or practice, with an email address and a mobile number that are yours, and say on the form which it is. That choice is also your statement of whether you are buying for business purposes: a practice or a business is, and section 16 says what changes if you are a consumer.
• The details you give must be true, and you must keep them up to date.

4. What Mini Accounts is

Mini Accounts is accounting and payroll software that you use in your web browser at miniaccounts.uk, or in the app installed from it.

• A business keeps its own books in it: its cash, supplier bills, bank statements, reports, VAT figures and, if it has staff, its payroll. It works on a phone as well as on a computer.
• A practice keeps its clients’ books in a folder on its own computer and prepares their accounts, VAT figures, tax computations, payroll and deadlines. A practice needs Chrome, Edge, Brave or Vivaldi on a computer, because only those browsers can work with a folder. Safari and Firefox are not supported.

Mini Accounts prepares figures, statements, returns and payroll documents for you to check and file. It does not file anything. It is not recognised by HM Revenue & Customs for Making Tax Digital or for Real Time Information, it does not submit the FPS or EPS, it does not file accounts with Companies House, and it is not connected with HMRC, Companies House or The Pensions Regulator. It applies HMRC’s published rates and thresholds for the tax years it covers. We may change how Mini Accounts works as we improve it.

5. Your account

• Your account opens once you have confirmed your email address with the six-digit code we send.
• Keep your sign-in password to yourself. Your device turns it into a code before anything is sent, so the password itself never reaches us. If you forget it, we can send you a one-time reset code.
• One account is for one business or one practice. Do not share it with another business or practice. We count the devices signed in to an account and may limit how many are signed in at the same time.
• You are responsible for what is done with your account, so tell us at once if you think someone else is using it.

6. The free month

• A new account’s first month is free, from the day it is registered. No card or bank details are asked for.
• When the free month ends, nothing is charged and nothing renews. The account stops opening the books until you choose a plan and pay for it. The books are kept: a practice’s stay in its folder on its own computer, and a business’s stored books stay in its account.
• The free month is the whole product, including payroll, CIS and projects.

7. Plans, prices and paying

• Prices are on the Pricing page, in pounds sterling, for a year. The plan you choose covers the whole practice, or the whole business, with no per-user charge and no add-on.
• The price shown is the whole price: no UK VAT is added to it. Mini Accounts is supplied from India by a business that is not registered for UK VAT. A VAT-registered practice or business accounts for the VAT on it under the reverse charge in its own return, and should give us its VAT number for the invoice.
• You pay by bank transfer, or another way we arrange with you by email, to the details we send when you ask to subscribe. No card details are taken on this website, and nothing is sold inside the installed app. We switch the plan on by hand when the payment reaches us, and confirm it by email. A plan runs from that day, or from the date your account is already paid to if that is later, so paying early does not cost you any days.
• Plans do not renew by themselves and nothing is debited from your account. To carry on, pay again before your plan ends. A plan that is not renewed simply stops.
• Plans are no longer sold by the month. A plan already paid for a month runs to the date it is paid to, and carrying on after that is by the year.
• You can have a full refund of a payment if you ask within 14 days of making it. After 14 days a payment is not refunded. The Refund and Cancellation Policy has the details.
• Because a plan is paid for before it starts, there is no credit and no late payment.
• There are two plans: one includes payroll, CIS and projects and one does not. Moving from one to the other is done by email and takes effect when we switch it on; the plan you are on is shown at the top of the app.

8. Your books

• The books are yours. We claim no rights in anything you put in them.
• A practice’s client books are kept in a folder on its own computer and are not uploaded to us. Once a practice password is set, they are encrypted with a key made from it on that computer.
• A business that turns on cloud storage keeps its books in its account. They are encrypted on its own device before they leave, and we hold no key that opens them. We hold the ciphertext, and the business’s name as the label on each stored copy.
• Lost passwords. We never have the password that encrypts your books. If you lose both that password and your recovery code, the books cannot be opened, by you or by us. Keep the recovery code somewhere safe.
• Keep your own copy. While your plan is active, the Data screen’s Export Full Backup (JSON) saves the books to a file. A practice should also keep a copy of its folder. The application keeps the previous generation of each file beside it, and that is not a backup.
• Other people’s details in your books. Your books hold personal data of your customers, clients and staff — a payroll holds National Insurance numbers, bank details, email addresses, pay and absences, and a contractor’s books hold its subcontractors’ tax references. For that data you are the controller under UK GDPR and the Data Protection Act 2018, and you are responsible for it. A practice’s client books never reach us. For a business’s books in cloud storage we hold ciphertext we cannot read, and to that extent we process it for you on your instructions, keep it confidential and secure, use Cloudflare, Inc. as the only sub-processor, delete it when the account is deleted, and tell you without undue delay if we learn of a breach affecting it. We give no other assistance with it, because we cannot see it. The one other provider we use is Resend, Inc. (United States), for delivering the emails the service sends you — codes and receipts — and only if Cloudflare’s own email sending is unavailable; no email carries anything from your books.
• Sharing with your accountant. A business with a password set on its books can give its accountant access from the Data screen. That is the business’s decision. The accountant can read the books on any grant and change them only while holding them; while the accountant holds the books, the business can look but not change them. The business can withdraw access at any time, but a copy the accountant has already downloaded cannot be called back.

9. Checking the figures, and filing

Tax rates, forms and due dates change, and a figure is only as right as the entries behind it. Check every figure, statement, return and payslip against your records, the law and HMRC’s own guidance before you file, pay or pay anyone. You, or your accountant, file the returns and remain responsible for them. An employer, or the practice as its agent, remains responsible for its payroll, for what is sent to HMRC through Basic PAYE Tools or other RTI software, and for what is paid to staff, HMRC and the pension scheme. Mini Accounts is not professional advice; see the Disclaimer.

10. Fair use

You must not use Mini Accounts to:

• store, make or share anything unlawful;
• keep false books, make fake documents, or help anyone evade tax or launder money;
• infringe anyone’s copyright, trade mark or other rights, or pretend to be someone else;
• upload viruses or harmful code, or try to get into accounts, books or systems that are not yours, or to overload or get round the security of the service;
• share one account between different businesses or practices, or sell access to it.

If you do, we may suspend or close the account, and we will report it where the law requires us to.

11. Availability and support

We work to keep Mini Accounts running, but it is provided as it is. We do not promise that it will always be available, never be interrupted, or be free of errors. Maintenance, or a fault at one of the companies that host it or send its email, can stop it for a while. Support is by email, from India, in India’s working hours; we set no response time we could not keep. We can reset your sign-in password; we cannot reset the password that encrypts your books.

12. Our liability

• Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law does not allow to be excluded or limited, and nothing takes away your rights as a consumer, including your rights under the Consumer Rights Act 2015 that the digital content be of satisfactory quality, fit for purpose and as described.
• Subject to that, we are not liable for: loss that neither of us could reasonably have expected when you agreed to these terms; loss of profit, business or goodwill; interest, late fees or penalties charged because a return, a payment or a payroll was wrong or late; or books that were not backed up, or that cannot be opened because a password and recovery code were lost.
• Subject to the first point, our total liability to you for anything to do with Mini Accounts is limited to the amount you paid us in the 12 months before the event the claim is about. We think that is reasonable for software at this price, supplied by a sole proprietor; we hold no professional indemnity or cyber insurance, and none is required for this service.

13. Ending the service

• You can stop at any time. Do not renew, and your plan ends on the date it is paid to. There is nothing to cancel and no charge for stopping.
• To have your account and its details deleted, see Delete your account. Account details and stored books are deleted within 30 days of your request; payment records are kept for 8 years.
• We may suspend or close an account that breaks these terms. We will tell you why, unless the law does not allow us to.

14. Changes to these terms

We may change these terms. The date at the end shows when they last changed. If a change matters to how you use Mini Accounts or what you pay, it is shown on this page, with its date, before it applies to you. If you do not agree to it, you can stop using Mini Accounts without penalty, ask for your account to be deleted, and ask for the refund the Refund and Cancellation Policy gives; a change to the price never applies to a period you have already paid for.

15. Complaints, law and disputes

• Please tell us first: most problems are sorted fastest by writing to us. We acknowledge a complaint within 24 hours and answer it within 7 days. See Complaints.
• We are not obliged to use, and do not use, an alternative dispute resolution scheme.
• These terms are governed by the law of England and Wales. The courts of England and Wales have jurisdiction over any dispute about them, but not exclusive jurisdiction: either of us may bring proceedings there, and nothing in this section stops you bringing proceedings in the courts of the part of the United Kingdom where you live.
• If you are a consumer, nothing in these terms takes away the protection you have under the law of the country you live in, and you may bring proceedings in your own local courts.

16. If you are a consumer

A consumer is an individual acting for purposes wholly or mainly outside their trade, business, craft or profession. Almost everyone who registers for Mini Accounts does so for a business or a practice and is not a consumer. If you are one, this section applies to you as well as the rest of these terms.

• Cancelling within 14 days. You may cancel a contract with us, without giving a reason, within 14 days of the day after you pay for a plan. Tell us by email at support@miniaccounts.uk or by post at the address above; you may use the form at the end of this section, but you do not have to. We refund what you paid within 14 days of your telling us, by the way you paid.
• The service starting at once. A plan is switched on as soon as your payment reaches us, because that is what you asked for by paying. By asking us to switch it on within the 14 days, you ask for the service to start during the cancellation period, and if you then cancel, we refund the whole payment: our own 14-day refund rule in section 7 is at least as good as the law’s, and we apply it to everyone.
• Your rights about quality. The Consumer Rights Act 2015 says that digital content must be of satisfactory quality, fit for its purpose and as described. If it is not, you are entitled to a repair or replacement, and if that is not possible or is not done within a reasonable time, to a price reduction. If the software damages a device or other digital content of yours and we did not take reasonable care, we will repair the damage or compensate you.
• Model cancellation form. To: Aulakh Accounting and Technology Solutions, VPO Gurney Kalan, Budhlada, District Mansa, Punjab 151502, India, support@miniaccounts.uk. “I hereby give notice that I cancel my contract for the supply of the Mini Accounts service, ordered on [date], name of consumer [name], address of consumer [address], signature of consumer (only if this form is notified on paper), date.”

Last updated: 26 September 2026