Pocket Docket — Consumer Terms and Cancellation Rights
Pocket Docket Ltd · company number NI742827 · registered in Northern Ireland · registered office 137 York Road, Belfast, BT15 3GZ
Start here: this probably does not apply to you, and it does not matter
Pocket Docket is bought by business owners. It connects to a Xero accounting system, reads a business's books, and drafts that business's invoices. There is no realistic way to buy it for a purpose outside a trade or business, which is what being a consumer means in law.
So most people reading this are not consumers, and the rights in this document are not rights the law gives them.
We are giving everybody the same rights anyway.
The reason is simple. The alternative is asking every person who signs up to work out which side of a legal line they fall on, and then getting a different deal depending on the answer. That is a silly thing to do to somebody spending £24 a month, and the cost to us of just giving everyone the same 14 days is close to nothing. So:
- If you are a consumer in law, you have a statutory right to cancel a distance contract within 14 days, and everything in this document is that right, described accurately.
- If you are not a consumer, you do not have that statutory right — but we give you a 14-day money-back guarantee that works the same way in practice. It is a promise from us, not a right from Parliament, and we are not going to describe it as one.
1. Who is a consumer
1.1 You are a consumer if you are an individual and you are buying Pocket Docket for purposes that are wholly or mainly outside your trade, business, craft or profession. That is the test in regulation 4 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and in section 2(3) of the Consumer Rights Act 2015.
1.2 Applied to this product:
- A limited company is never a consumer, however small it is.
- A limited liability partnership is never a consumer.
- A sole trader subscribing to software that reads their business's accounts and drafts their business's invoices is almost certainly not a consumer, because the purpose is a business purpose. The Consumer Rights Act explanatory notes give the closest analogy: a sole trader buying a printer used 95% for business is not a consumer for that purchase.
- A partnership in England, Wales or Northern Ireland contracts through individuals, but the purpose test still has to be met, and for this product it is not. A Scottish partnership is a separate legal person and is not an individual at all.
1.3 The test is about the main purpose of the purchase, not about how big you are or how much you know. It is possible to be a very small business and still not be a consumer.
1.4 If you are a consumer, the law gives you rights that cannot be signed away, and clause 18 of our Terms of Service disapplies the liability cap and the excluded loss categories for you entirely. Sections 2 to 8 of this document then describe your cancellation rights.
1.5 If you are not a consumer, sections 2 to 8 describe the 14-day money-back guarantee we give you voluntarily. It gives you the same practical outcome. Where a paragraph below is about a statutory right that only a consumer has, it says so.
2. Your right to cancel
2.1 You have 14 days to cancel, without giving any reason.
2.2 When the 14 days start. The 14 days run from the day after the day the contract is made. For Pocket Docket, the contract is made when you complete signup — which is the day your free period begins, not the day your first payment is taken.
2.3 What this means in practice. Your statutory 14 days and your 14-day free period run in parallel. Both end on the same day. You will not have paid us anything by the time the statutory period ends, because we do not take a payment until day 15.
2.4 That is why we also give the guarantee in section 3, which runs from a different date and is more useful to you.
3. The 14-day money-back guarantee
3.1 Separately from anything in section 2, and whether or not you are a consumer:
If you cancel within 14 days of your first payment, we will refund that payment in full.
3.2 No reason needed. No form. No conversation with anyone unless you want one.
3.3 We refund to the card you paid with, and we do it within 14 days of you telling us.
3.4 This is a promise we are choosing to make. If you are a consumer it sits on top of your statutory rights and does not replace them. If you are not a consumer, it is the whole of what you get, and it is a contractual promise you can hold us to.
4. How to cancel
4.1 Any clear statement will do. You can cancel however you like, as long as it is clear that you want to cancel. You do not have to use a particular form of words, fill in a form, click through a retention flow, or explain yourself.
4.2 The easiest ways:
| Route | How |
|---|---|
| Email support@pocketdocket.co.uk and say you want to cancel. This is the quickest route and we act on it the same working day | |
| Post | Write to Pocket Docket Ltd, 137 York Road, Belfast, BT15 3GZ |
4.3 You may use the model cancellation form in section 8 if you want to, but you do not have to, and we will never treat a cancellation as invalid because it did not use the form or did not use particular words.
4.4 You have cancelled when you send us the message, not when we read it. The deadline is met if you send it before the 14 days end.
4.5 We will acknowledge every cancellation by email. If you do not hear from us within one working day, assume the message went astray and send it again — but keep your original, because the date on it is the date that counts.
5. Refunds
5.1 Where you cancel within the period in section 2 or section 3, we refund you within 14 days of the day you told us.
5.2 We refund using the same means of payment you used. That means the card the payment was taken from. We will not send you a credit note, a voucher, an account credit or a discount on a future subscription instead, and we will not ask you to accept one.
5.3 You will not pay any fee for the refund.
5.4 If your card has since expired or been cancelled, tell us and we will arrange another route. It will still be a refund of money.
6. If you had the Service during the cancellation period
6.1 The rule. Where a consumer asks for a service to start during the cancellation period and then cancels, the trader may charge a proportionate amount for what was actually supplied before cancellation, based on the total price of the contract.
6.2 What we actually do. In almost every case we charge nothing, because in almost every case there is nothing to charge for:
- during the free period we do not take any payment at all, so there is nothing to apportion; and
- under the guarantee in section 3, we refund your first payment in full, and we do not deduct anything for the days you used it.
6.3 So section 6.1 is the law, and section 6.2 is what happens. We are telling you the rule exists because you are entitled to know it, not because we are going to use it.
6.4 You asked us to start the Service straight away when you signed up, because that is what signing up does — the dashboard builds and the first Xero sync runs immediately. We record that request.
6.5 We are not asking you to give up your cancellation right in exchange for immediate access, and we do not treat your right as lost because you used the Service.
7. The information we have to give you, and where it is
Regulation 31 of the CCRs extends a consumer's cancellation period to twelve months and 14 days where the trader did not give the required cancellation information. That is triggered by the missing information, not by the absence of a right — a generous refund policy on its own does not close it. So, for completeness:
| Information | Where you get it |
|---|---|
| Who we are, our address and how to contact us | Section 8 below, the footer of every page, and clause 1 of the Terms of Service |
| What the Service is | Schedule 2 (Service Description and Scope) |
| The total price and what it includes | £24 per month. No set-up fee. Fees are quoted exclusive of VAT, but we are not VAT registered, so £24 is what you actually pay. Clause 5 of the Terms of Service |
| How and when you pay | Clause 5 of the Terms of Service and section 9 below |
| How long the contract lasts and how to end it | No minimum term. Section 4 above and clause 15 of the Terms of Service |
| Your right to cancel, the period, and how to exercise it | Sections 2, 3 and 4 above |
| The model cancellation form | Section 8 below |
| That you may have to pay a proportionate charge if you cancel after asking for the service to start | Section 6 above |
| Complaints, and how to raise one | Section 10 below |
We also send all of this to you by email when you sign up, before the free period begins, so that you have it in a form you can keep.
8. Model cancellation form
You do not have to use this. It is here because the Regulations require us to make it available.
Model Cancellation Form
(Complete and return this form only if you wish to withdraw from the contract)
To Pocket Docket Ltd, 137 York Road, Belfast, BT15 3GZ, email support@pocketdocket.co.uk:
I/We [] hereby give notice that I/We [] cancel my/our [] contract of sale of the following goods [] / for the supply of the following service [*],
Ordered on [] / received on [],
Name of consumer(s),
Address of consumer(s),
Signature of consumer(s) (only if this form is notified on paper),
Date
[*] Delete as appropriate
9. The billing mechanics, in plain English
So there is no doubt about what happens and when:
| Day | What happens |
|---|---|
| Day 1 | You sign up. You enter your card details on Stripe's hosted payment page. We never see or store your card number. No payment is taken. Your dashboard starts building |
| Day 1 | We email you a confirmation containing these terms, the Terms of Service, and the information in section 7 |
| Day 11 | We email you to say your free period ends in three days, telling you the exact date of the first charge and the amount, and how to cancel |
| Day 14 | Last day of the free period. Cancel on or before today and you are never charged anything |
| Day 15 | First charge: £24. Your subscription starts |
| Day 15 + 14 | Last day of the money-back guarantee in section 3. Cancel by now and we refund the £24 in full |
| Monthly thereafter | £24 on the same date each month, in advance, until you cancel |
You can cancel at any point in all of that. There is no minimum term and no notice period, and stopping in month two costs you nothing beyond the month you have already paid for.
No minimum term. No set-up fee. No exit fee. No charge for cancelling.
If a payment fails, we retry it and email you. Your dashboard keeps working while we do. A failed card is a payment problem, not a reason to shut you out of your own figures.
10. Complaints
10.1 If something has gone wrong, email support@pocketdocket.co.uk and tell us. We will acknowledge it and tell you what we are doing about it.
10.2 For anything about your personal data, email privacy@pocketdocket.co.uk. We will acknowledge a data protection complaint within 30 days. You also have the right to complain to us directly about how we handle your personal data, as well as to the Information Commissioner's Office, whose details are in our Privacy Notice.
10.3 Nothing in this document, or in our complaints process, affects your right to take a matter to court.
11. Your other rights as a consumer
11.1 If you are a consumer, the Consumer Rights Act 2015 gives you rights we cannot exclude or limit, including that the digital content and services we supply must be of satisfactory quality, fit for any purpose you made known to us, and as described, and that services must be carried out with reasonable care and skill.
11.2 Clause 18 of our Terms of Service disapplies our liability cap and our excluded loss categories entirely for consumers. If you are a consumer, we are liable to you for foreseeable loss caused by breaking this contract or by failing to use reasonable care and skill.
11.3 Anything we tell you about the Service, or about ourselves, that you take into account in deciding to subscribe, or in a decision you make about the Service afterwards, is binding on us.
11.4 Where this document and the Terms of Service differ, and you are a consumer, this document wins.
12. Governing law
12.1 These consumer terms are governed by English law and the courts of England and Wales have jurisdiction.
12.2 But if you are a consumer, you may bring proceedings in the courts of the part of the United Kingdom where you live, and you keep the protection of the mandatory rules of law of that place. Nothing in this document takes that away.
13. Two things this document cannot settle
Stated openly, because a document that hides its own gaps is worse than one that marks them.
13.1 Whether the statutory cancellation right applies at all to a sole trader or a single-director company signing personally is a question of law on facts we do not yet have, and it may differ from customer to customer. The approach taken here — give everyone the right and give everyone the information — is designed so that the answer does not matter commercially. It still needs a solicitor's confirmation before this document comes out of draft.
13.2 Nothing here is in force until professional indemnity and cyber insurance are bound. That is a standing rule of this project and it applies to this document as much as to the liability clause it sits alongside.
Version 1.0 · in force from 21 August 2026
© 2026 Pocket Docket Ltd · Registered in Northern Ireland, company number NI742827 · Registered office: 137 York Road, Belfast, BT15 3GZ · ICO registration ZC223982