Legal
Terms of Service
Last updated: 30 March 2026
Acceptance of terms
By creating an account or using Varro (varro-tax.co.uk), you agree to these Terms of Service. If you do not agree, please do not use the service. These terms are governed by the laws of England and Wales.
The service
Varro provides a software-assisted UK self-assessment tax filing tool for freelancers and sole traders. The service helps you prepare and submit your Self Assessment tax return to HMRC under the Making Tax Digital for Income Tax Self Assessment (MTD ITSA) programme. Varro is a software tool, not a regulated accountancy or tax advice service. We do not provide tax advice, financial advice, or professional accounting services. You are responsible for the accuracy and completeness of the information you provide and for reviewing all submissions before they are sent to HMRC.
Eligibility
You must be at least 18 years old to use Varro. By using the service you confirm that the information you submit is your own and that you are legally entitled to file your own UK Self Assessment tax return.
Free trial and subscription
Varro offers a 3-day free trial with no credit card required. After the trial period, continued access requires a paid subscription at the rate displayed at checkout. Prices are in GBP and include VAT where applicable. You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel your subscription within 14 days of purchase for a full refund, without giving a reason. To exercise this right, contact support@varro-tax.co.uk. If you have used the service to submit data to HMRC during this period, you acknowledge that those submissions cannot be reversed.
Payments
Payments are processed by Stripe. By subscribing you authorise Stripe to charge your payment method on a recurring basis. We do not store your card details. Refunds are considered on a case-by-case basis — contact support@varro-tax.co.uk within 14 days of a charge if you believe an error has occurred.
HMRC submissions
Varro submits data to HMRC on your behalf using the MTD ITSA APIs. By using this feature, you authorise Varro to: • Connect to HMRC using your Government Gateway credentials via OAuth 2.0 • Submit quarterly income and expense updates on your behalf • Submit annual income declarations on your behalf • Trigger tax calculations and retrieve results • Submit your final declaration (crystallisation) when you explicitly confirm Final declarations are legally binding and irreversible once submitted to HMRC. Varro will clearly warn you before any final declaration is made. You are solely responsible for ensuring the accuracy of all data before submission. Varro is not liable for HMRC penalties, interest, or other consequences arising from late, incorrect, or incomplete submissions.
Open Banking
Varro uses TrueLayer to connect to your bank accounts via Open Banking. This is regulated by the Financial Conduct Authority (FCA). By connecting your bank account you authorise Varro to: • Read your account balance and transaction history • Store transaction data securely for categorisation and tax filing purposes Bank connection tokens are encrypted at rest. You can disconnect your bank account at any time from your settings. Varro does not have the ability to move money or make payments from your account.
AI-assisted categorisation
Varro uses artificial intelligence (Anthropic Claude) to categorise your transactions and extract data from uploaded documents. You should be aware that: • AI categorisation is a suggestion — you must review and confirm each categorisation before it is used in a tax submission • AI may make errors — always check that categories are correct • Transaction descriptions (without amounts) are sent to the AI provider for categorisation • Uploaded document content (bank statements, invoices) is sent to the AI provider for data extraction • AI outputs are not tax advice — they are classification suggestions based on pattern matching Varro does not use your data to train AI models. Data sent to the AI provider is processed under a data processing agreement and is not retained by the provider beyond the processing request.
Your responsibilities
You are responsible for: • Providing accurate income, expense, and personal information • Reviewing all AI categorisations before confirming them • Reviewing your tax return before submission to HMRC • Meeting HMRC filing deadlines (Varro will send reminders but is not liable for missed deadlines) • Keeping your account credentials secure • Enabling multi-factor authentication for additional security • Keeping your personal and tax information up to date — if your details change (name, address, income sources), you must update them in Varro promptly Varro is not liable for penalties, interest, or other consequences arising from inaccurate information you provide or approve.
Acceptable use
You agree not to: • Use Varro to file tax returns on behalf of others without their explicit authorisation • Attempt to access, interfere with, or reverse-engineer any part of the service • Upload malicious code or attempt to circumvent security measures • Deliberately provide false information to HMRC through the service • Use the service for any unlawful purpose We reserve the right to suspend or terminate accounts that violate these terms.
Intellectual property
All content, design, software, and branding on Varro is owned by Varro and protected by copyright. You are granted a limited, non-exclusive licence to use the service for personal tax filing purposes only. You may not reproduce or redistribute any part of the service.
Disclaimer and service availability
Varro is provided "as is" and "as available" without warranty of any kind, whether express or implied. While we strive for accuracy, we do not guarantee that tax calculations, AI categorisations, or HMRC submissions will be error-free. We do not guarantee uninterrupted access to the service. Varro may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control (including HMRC API downtime or third-party service outages). We will endeavour to provide advance notice of planned maintenance where possible. Varro is not a substitute for professional tax advice. If you have complex tax affairs, we recommend consulting a qualified accountant or tax adviser. Nothing in this service constitutes tax advice, financial advice, or a recommendation to take (or not take) any particular action regarding your taxes.
Limitation of liability
To the maximum extent permitted by law, Varro's liability for any claim arising from use of the service is limited to the total amount you paid in subscription fees in the 12 months preceding the claim. We are not liable for any indirect, consequential, special, or punitive losses, including but not limited to: • Loss of profits, business, or revenue • HMRC penalties, interest, or surcharges • Lost tax relief or overpayment of tax • Incorrect tax payments resulting from AI categorisation errors • Losses arising from HMRC API downtime, third-party service failures, or Open Banking outages • Losses arising from unauthorised access to your account where you have failed to keep your credentials secure Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
Termination
You may delete your account at any time from your account settings. We may suspend or terminate your account if you breach these terms, with or without notice depending on the severity of the breach. On termination, your access to the service ceases and we will handle your data in accordance with our Privacy Policy. HMRC submissions already made on your behalf remain on HMRC's systems and are not affected by account deletion.
Changes to these terms
We may update these terms from time to time. We will notify you by email at least 14 days before material changes take effect. Continued use of Varro after that date constitutes acceptance.
Governing law and disputes
These terms are governed by the laws of England and Wales. Any disputes arising from or in connection with these terms or your use of Varro shall be subject to the exclusive jurisdiction of the courts of England and Wales. If you have a complaint about the service, please contact us at support@varro-tax.co.uk first. We will aim to resolve your complaint within 14 days. If we cannot reach a resolution, you may be entitled to use an alternative dispute resolution service.
Contact
For questions about these terms, contact us at support@varro-tax.co.uk.