Pocket Docket — Terms of Service
The five things that matter most
1. It is software, not an accountant. Pocket Docket shows you your own Xero figures and explains them. It does not advise you — not on accounts, not on tax, not on what to pay or when. If a decision matters, take it to a person who is qualified and insured to give you an answer.
2. Nothing leaves your business unless you send it. Kipp writes drafts — invoices, chasing emails, explanations. You read them, you approve them, you send them. That gate is built into the software, not left to good intentions.
3. £24 a month, 14 days free, cancel whenever. We take your card details at signup through Stripe, we do not charge you during the free period, and we email you before the first charge to remind you it is coming. No minimum term, no set-up fee.
4. Our liability is capped, and the cap is real but small. For most claims it is the greater of what you have paid us in the last twelve months and £2,000. Clause 17 explains it in full, in a box, because you should read it before you sign up rather than after something has gone wrong. Insure your own business against business interruption and consequential losses — the price of this service assumes you have.
5. Cancel and it stops, it does not vanish. Your dashboard and the hourly updates switch off. We keep your data for 90 days so that coming back is a switch rather than a rebuild, then we delete it. Ask us to delete it sooner and we will.
This box is a summary. It is not a substitute for the terms below, and where the two differ the terms below are what applies.
1. Who we are, and what these terms cover
1.1 We are Pocket Docket Ltd, a company registered in Northern Ireland, company number NI742827, registered office 137 York Road, Belfast, BT15 3GZ. In these terms we are "Pocket Docket", "we", "us" or "our".
1.2 You are the business that subscribes to the Service. In these terms you are "you" or "your", and where the formality helps, "the Customer". If you are subscribing on behalf of a company, a partnership or any other business, you confirm you are authorised to accept these terms for it, and "you" means that business.
1.3 These terms, together with Schedule 1 (Data Processing Terms), Schedule 2 (Service Description and Scope) and our Acceptable Use Policy, are the whole agreement between us about the Service. Schedules 1 and 2 and the Acceptable Use Policy form part of these terms. You do not need to sign them separately.
1.4 If there is a conflict, the order is: Schedule 1 for anything about personal data; then these terms; then Schedule 2; then the Acceptable Use Policy.
1.5 These terms apply instead of any terms you try to impose on us, including anything on a purchase order.
1.6 If you are a consumer. These terms are written for businesses. If you are an individual buying wholly or mainly for purposes outside your trade, business, craft or profession, clause 18 changes them for you and our separate Consumer Terms and Cancellation Rights apply. Nothing in these terms takes away rights the law gives you that cannot be taken away.
2. What the Service is
2.1 The Service is Pocket Docket: a subscription to software that connects to your Xero organisation, builds a live dashboard from your own accounting data, and provides an AI assistant called Kipp that explains those figures in plain English and prepares drafts for you.
2.2 In particular, the Service consists of:
(a) Figures. We read data from your Xero organisation and compute a set of financial figures from it — cash, takings, margin, what you are owed and by whom, what you owe, debtor days, and similar measures. Those figures are calculated by our own code, which is unit-tested against fixtures with known answers. The AI model is handed the finished figure. It does not do the arithmetic.
(b) Explanations. Kipp produces written commentary explaining what those figures are and how they have moved, and answers general questions about UK financial reporting with citations to the source it is relying on.
(c) Drafts. Kipp prepares drafts for you — a draft invoice, a draft payment-chasing email. A draft is a proposal to you and nothing more. It is not sent, not issued and not acted on until a person in your business reads it and approves it.
2.3 Schedule 2 sets out in detail what the Service does, what data we read, what permissions we hold in your Xero organisation and what they allow, and how the AI part of the Service is built. Schedule 2 is the description of what you are buying. Read it before you subscribe.
2.4 The sole basis on which we supply the Service is the licence granted by these terms. We do not advise you. No advisory, fiduciary or professional relationship arises between you and us, or between you and any of our officers, employees, contractors or agents.
3. What the Service is not
This clause is not small print. It describes the edge of what we do, and if you need something on the other side of that edge you need a different supplier.
3.1 We do not give advice. The Service does not provide, and must not be treated as providing, any of the following:
(a) accountancy services, bookkeeping services, or the preparation or approval of statutory accounts; (b) audit or assurance of any kind; (c) tax advice, tax planning, or the preparation or filing of any return; (d) legal advice; (e) insolvency advice; (f) investment advice or any personal recommendation about an investment; or (g) financial advice of any kind.
3.2 We are not accountants, and we are not regulated as accountants. Pocket Docket Ltd is not a firm of accountants. It is not registered as an auditor. It is not a member firm of, and is not regulated by, ICAEW, ACCA, or any other professional accountancy body. Where an individual connected with us holds a professional qualification, that qualification is theirs and not the company's, and nothing in the Service is supplied by them in a professional capacity.
3.3 The regulatory perimeter. So that there is no doubt about what we are and are not doing:
(a) We do not advise anyone in their capacity as an investor. The Service gives no advice on the merits of buying, selling, subscribing for or underwriting any investment, and is not advice of a kind regulated under article 53 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.
(b) We do not provide debt counselling or debt adjusting within articles 39E and 39D of that Order. The Service makes no recommendation about which of your own liabilities to pay, to defer, to reschedule, to reduce or to compromise. It will tell you what you owe and to whom. It will not tell you what to do about it, and it is designed to refuse if you ask.
(c) We do not introduce you to lenders, brokers or finance providers and we do not carry on credit broking within article 36A.
(d) We communicate no financial promotion within section 21 of the Financial Services and Markets Act 2000, and nothing in the Service is an invitation or inducement to engage in investment activity.
(e) We are not a tax adviser and we do not interact with HMRC on your behalf. The Service does not file anything, does not connect to HMRC, and does not use any agent credentials.
3.4 You have your own records. You have direct access to your own accounting records in Xero, and every figure the Service presents to you is derived from those records and can be checked against them by you or by your accountant. You acknowledge that you are able to verify any figure the Service shows you, and that it is reasonable for you to do so before acting on it.
3.5 Nothing in this clause 3 relieves us of our obligation under clause 13.1 to provide the Service with reasonable care and skill.
4. Signing up, the free period, and the business-purpose declaration
4.1 When the contract starts. Your contract with us starts when you complete signup and we confirm it, or when you first access the Service, whichever happens first. We will send you a confirmation by email that includes these terms.
4.2 The free period. Your first 14 days are free. We take your card details at signup, but we do not charge you during the free period.
4.3 The reminder. We will email you at least 3 days before the free period ends, telling you the date of the first charge and the amount, and how to cancel if you do not want it.
4.4 What happens on day 15. Unless you cancel before the free period ends, your subscription starts on day 15 and we charge your card then, and monthly on the same date after that.
4.5 One business per subscription. A subscription covers one business and one Xero organisation. If you run more than one business, you need a subscription for each.
4.6 The business-purpose declaration. At signup we ask you to confirm, as a separate tick and not bundled with anything else, that you are subscribing for the purposes of your trade, business, craft or profession. We capture that confirmation alongside your trading name, your Xero organisation name and, if you have one, your VAT number.
4.7 Your confirmation under clause 4.6 is a representation by you. It is not conclusive, and it does not decide the question. Whether you are a consumer is a question of fact and of law, and if you are, clause 18 and our Consumer Terms apply to you whatever the tick said.
5. Charges, VAT and payment
5.1 The price. The Service costs £24 per month, exclusive of VAT. There is no set-up fee and no minimum term. We are not registered for VAT, so £24 is what you actually pay — see clause 5.5.
5.1A Promotional rates. We may offer introductory or promotional rates from time to time, at our discretion. Where we do, the rate, what it applies to and how long it lasts are stated to you before you subscribe, and we will not shorten a promotional period we have already offered you.
5.2 How you pay. Payment is by card, taken by Stripe on a hosted payment page. We never see or store your card number. Stripe holds your card details; we hold a reference to them.
5.3 When you pay. The first charge is on day 15, at the end of the free period. After that we charge monthly in advance on the same date. Each charge buys the month ahead.
5.4 Price changes. We may change the price. If we do, we will give you at least 30 days' written notice, and the new price applies from your next monthly charge after the notice period ends. If you do not want to pay it, cancel before that date.
5.5 VAT. All fees are stated exclusive of value added tax. Pocket Docket Ltd is not currently registered for VAT, so no VAT is charged and £24 is the whole amount that leaves your account. If we become registered for VAT, VAT will be chargeable on all fees at the applicable rate in addition to the stated price, and we will give you at least 30 days' written notice before the first invoice to which VAT is added.
5.6 Failed payments. If a payment fails, we will retry it and email you. Your dashboard keeps working while we do. Clause 15 sets out what happens if it keeps failing.
5.7 Late payment. If you are a business and you do not pay us on time, we may claim interest and fixed compensation under the Late Payment of Commercial Debts (Interest) Act 1998. We would rather email you.
5.8 No set-off. You must pay what you owe us in full. You may not withhold or set off any amount against it, except where you are entitled to do so by law.
6. Your account and your obligations
6.1 You must give us accurate information when you sign up and keep it up to date.
6.2 You are responsible for everyone who uses the Service through your account or through an access link issued to you — your staff, your officers, and your professional advisers. What they do counts as what you do.
6.3 Access links are credentials. Where we give you a signed link to your dashboard, anyone holding that link can reach your figures through it. Treat it the way you would treat a password. Do not forward it outside your business, and tell us immediately if you think it has gone somewhere it should not have. We will revoke it and issue a new one.
6.4 You must keep the data in your Xero organisation accurate. The Service reads what is there. If your ledger is wrong, your dashboard will be wrong, and nothing we do will fix that.
6.5 You must use the Service in accordance with our Acceptable Use Policy, which forms part of these terms and covers, among other things, resale, automated access, scraping, attempts to extract our prompts or knowledge base, and use of the Service to build a competing product or to train any AI model.
6.6 You must not use the Service to provide services to anyone else unless we have agreed that in writing under a partner agreement.
7. Your Xero connection
7.1 The Service works by connecting to your Xero organisation using Xero's OAuth process. You authorise that connection, and you can revoke it at any time — from inside Pocket Docket, or from Xero's own connected apps screen.
7.2 What we can do in your Xero. Schedule 2 lists the exact permissions we hold and what each one allows. In summary:
(a) We read your organisation settings, profit and loss, balance sheet, trial balance, bank transactions, aged receivables and payables, invoices and contacts.
(b) We hold a permission that allows us to create invoices in your Xero with DRAFT status. That permission exists so that Kipp can prepare a draft invoice for you. We have never written anything to any customer's Xero organisation. If that ever changes, it will be because you asked for a draft and it will be a draft.
(c) We do not hold permissions for payroll, for recording or applying payments, for posting manual journals, for bank feeds, or for changing your chart of accounts. We cannot move money and have no payment permission on any of your accounts.
7.3 We are telling you this plainly because the distinction matters. We are not saying the software is technically incapable of writing an invoice to your Xero. It is not incapable. We are saying that it has never done so, that it will only ever create a draft, and that the draft-only gate in clause 8 is enforced in software. If you want a supplier whose access is technically read-only, that is not us today, and you should know that before you connect.
7.4 You authorise the onward transfer. When you ask Kipp a question, your question and the figures needed to answer it are sent to our AI provider, Anthropic, to generate the reply. You expressly authorise that. Our sub-processors are listed at the address in Schedule 1, and we will tell you before we add one.
7.5 We do not train models on your data. Your Xero data is not used, by us or by any provider we use, to train, fine-tune, adapt or enhance any machine-learning model. We do not pool your data with any other customer's, and we do not build a shared knowledge store from it. Your data stays in your tenant.
7.6 Connecting is your decision to make. You confirm that you are entitled to connect the Xero organisation you connect, and that doing so does not break your agreement with Xero or with anyone else.
8. Kipp, drafts, and your obligation to review
Read this clause. It describes something you have to do.
Kipp produces drafts and explanatory commentary for your review. That is what it is for. It is not a person, it is not qualified, and it does not check its own work. You are the review step.
8.1 What Kipp produces. Kipp generates two things: written commentary explaining figures we have computed, and drafts of documents for you to use — invoices, payment-chasing emails, and similar.
8.2 Your obligation. You must read and approve every draft before it is used, and you must do so with the care of a person taking responsibility for a document going out in their own business's name. This means checking the amounts, the dates, the recipient, the wording and anything else that matters, against your own records.
8.3 The approval gate. Nothing Kipp produces leaves your business, is issued to a third party, or moves any money, unless a person in your business has reviewed it and approved it. This is a hard technical control in the Service, not a policy we operate. We do not send your invoices. We do not send your chasing emails. You do.
8.4 Where a draft is used without review. If you issue, send or act on a draft without reviewing and approving it, or you approve it without checking it, any loss that results from what the draft said is loss caused by that, and not by us. This clause allocates responsibility for a cause of loss; it is not an exclusion of liability for our own breach, and clause 17.1 continues to apply.
8.5 The AI output notice. So that this is said once, plainly, and in the terms as well as in the product:
Written commentary is generated by an artificial intelligence language model. It may be incomplete, out of date or wrong. It is not reviewed by a person before it is shown to you.
The same notice appears in the product, next to the output, every time.
8.6 Kipp is instructed to refuse rather than to invent. Where it cannot source a rate, a threshold or a deadline, it is designed to say so and to tell you to ask your accountant. That is a design intention and an instruction to the model; it is not a guarantee about any particular answer.
8.7 The same question may produce different answers on different days. Nothing Kipp says is a representation by us about your business, your accounts or your obligations.
9. Data protection
9.1 Schedule 1 (Data Processing Terms) governs how we handle personal data and forms part of these terms.
9.2 In outline: for the personal data inside your ledger — your customers' and suppliers' names, contact details and payment history — you are the controller and we are the processor. You decided to collect it and you decide what it is for. We see it only because you pointed a Xero connection at your own organisation. For the data we hold about your account — who you are, your billing, your logins, our security logs — we are the controller.
9.3 Each of us will comply with the data protection law that applies to us.
9.4 Our sub-processors are published, and we will notify you before we add or replace one.
9.5 Nothing in these terms limits any right a data subject has directly against either of us, or affects anything the Information Commissioner may do.
10. Confidentiality
10.1 Each of us will keep the other's confidential information confidential, use it only for the purposes of this agreement, and share it only with people who need it and who are under equivalent obligations.
10.2 Ours includes our software, our system prompts and persona definitions, our knowledge base, our security arrangements and our non-public pricing. Yours includes your accounting data and anything else you would obviously expect us to keep to ourselves.
10.3 This does not apply to information that is public without either of us being at fault, that was already lawfully known, that is independently developed, or that is lawfully received from someone else.
10.4 Either of us may disclose where the law, a court or a regulator requires it, telling the other first where that is lawful and practical.
10.5 These obligations continue for five years after this agreement ends, and indefinitely for anything that is a trade secret.
11. Intellectual property and your licence
11.1 What we own. We own, or are licensed to use, everything in the Service: the software, the dashboard and its design, the system prompts, persona definitions, retrieval logic and guardrails behind Kipp, the knowledge base and the way it is selected, structured, sourced and dated, our documentation, and our name and branding. Nothing in these terms transfers any of that to you.
11.2 Your licence. For as long as your subscription is running, and subject to these terms, we grant you a non-exclusive, non-transferable, non-sublicensable right to use the Service for your own business.
11.3 What you own. You own your data. You grant us a licence to host, store, copy, transmit, display and process it, and to pass it to the sub-processors listed in Schedule 1, only so far as needed to provide, secure and support the Service to you. That licence ends when your data is deleted under clause 16.
11.4 Output. As between you and us, we assign to you whatever rights we have — if any — in the drafts and commentary Kipp generates for you. We do not warrant that any intellectual property right exists in that output, or that it is original or free from anyone else's rights. The law on this is unsettled and we are not going to pretend otherwise. This does not give you any right in anything described in clause 11.1, and similar output may be generated for other customers.
11.5 Feedback. If you tell us how to make the Service better, we may use that without owing you anything. That does not give us any right in your data.
12. Acceptable use
12.1 Our Acceptable Use Policy forms part of these terms.
12.2 In summary, you must not: use the Service unlawfully or to infringe anyone's rights; try to break into it; scrape it or access it with automated tools we have not provided; attempt to extract our prompts, guardrails or knowledge base; use it to train, fine-tune, benchmark or evaluate any AI model; resell it or run it as a bureau service for others; or use it to build a competing product.
12.3 Breach of clause 12 is a ground for suspension under clause 14 and, if it is serious or repeated, for termination under clause 15.
13. Availability and support
13.1 We will provide the Service with reasonable care and skill.
13.2 There is no service level agreement. We are saying that in terms rather than leaving it out and hoping you assume one. We do not commit to any uptime percentage, any response time, any support hours, or any service credits. We are a small company and we would rather tell you that than write a promise we cannot keep at £24 a month.
13.3 What we do commit to: we will use reasonable endeavours to keep the Service available, we will tell you about planned maintenance where we reasonably can, and we will answer support email at support@pocketdocket.co.uk as promptly as we sensibly can.
13.4 The Service will not always be available. It depends on Xero, on our hosting, on our database and on our AI provider, and any of them can have a bad day.
13.5 We may change the Service. We will not materially reduce what it does during a month you have paid for without telling you and giving you the right to cancel and get back the unused part of that month.
13.6 Features marked as beta, preview or experimental are exactly that. They may be withdrawn without notice.
14. Suspension
14.1 We may suspend all or part of the Service, immediately, where:
(a) you are in serious breach of clause 6, clause 12 or the Acceptable Use Policy; (b) suspension is necessary to protect the security or integrity of the Service or of anyone else's data; (c) we are required to suspend by law, by a court, or by Xero or another provider whose platform the Service depends on; or (d) you are a paying subscriber and your subscription has been in arrears for more than 30 days after we have written to you about it, in the circumstances set out in clause 15.6.
14.2 A failed card is not a reason to suspend anyone. Where a payment fails, your access continues while we retry it and correspond with you. Clause 15.6 sets out the point at which that changes, and it is not the first failed payment and it is not the same week.
14.3 We will tell you why we have suspended, and we will restore the Service promptly once the reason has gone.
14.4 Suspension does not itself end your subscription, and it does not stop your obligation to pay for a period you have already had — except where the suspension was under 14.1(b) or (c) and was not your fault, in which case we will credit you for the days you lost.
15. Cancellation and termination
15.1 You can cancel at any time. There is no minimum term and no notice period.
15.2 How to cancel. Either:
(a) by emailing support@pocketdocket.co.uk and telling us, in any words you like, that you want to stop; or (b) by writing to us at Pocket Docket Ltd, 137 York Road, Belfast, BT15 3GZ.
You do not have to use a form, give a reason, or speak to anyone. We act on it the same working day and confirm in writing. We will add self-service cancellation from your dashboard; until it is there, the routes above are the routes.
15.3 When cancellation takes effect. Cancellation stops the next payment. Your access continues to the end of the period you have already paid for, and then stops. We do not refund part of a month, and we do not charge you for the part of the month you did not use — you keep it.
15.4 During the free period. Cancel at any point in the 14 days and you will never be charged.
15.5 The 14-day money-back guarantee. Separately from anything the law requires, if you cancel within 14 days of your first payment we will refund that payment in full, to the card you paid with, within 14 days. See our Cancellation and Refund Policy.
15.6 If you stop paying. Where you are a paying subscriber and a payment fails:
(a) we retry the payment and email you. Your access continues. (b) If it is still unpaid 30 days after the first failure, we may suspend the Service under clause 14.1(d), having told you first. (c) If it is still unpaid 60 days after the first failure, we may terminate your subscription on notice. Clause 16 then applies to your data.
15.7 We can terminate too, on notice, if:
(a) you are in material breach of these terms and either the breach cannot be put right, or you have not put it right within 14 days of us asking; (b) you become insolvent, or an administrator, receiver or liquidator is appointed, or you stop trading; (c) continuing to provide the Service to you would put us in breach of the law or of our agreement with Xero or another provider; or (d) we decide to stop providing the Service altogether, in which case we will give you at least 60 days' notice and refund the unused part of anything you have paid.
15.8 Ending this agreement does not affect anything either of us already owes the other. Clauses 1, 3, 8.4, 10, 11, 16, 17, 18, 22 and 23 survive it.
16. What happens to your data afterwards
16.1 When your subscription ends — because you cancelled, or because it was terminated:
(a) the dashboard and the hourly updates switch off immediately; (b) nothing is deleted straight away. We keep your data so that coming back later is a switch rather than a rebuild; (c) we keep it for 90 days, and then we delete it from our live systems, and from our backups in the ordinary course of backup rotation and in any event within a further 90 days; (d) if you come back within the 90 days, we switch you back on and your history is there; (e) if you want it gone sooner, tell us and we will delete it. Email privacy@pocketdocket.co.uk. We will confirm in writing when it is done; (f) if you want a copy, ask within the 90 days and we will export it for you in a structured, commonly used, machine-readable format; (g) we will instruct our sub-processors to delete their copies on equivalent terms, and we will delete the encrypted Xero credentials we hold within 7 days of the subscription ending; (h) you should also disconnect Pocket Docket from your Xero organisation from Xero's connected apps screen. That part is in your hands, not ours; (i) we may keep data where the law requires it, or where we genuinely need it to bring or defend a legal claim. If we do, we keep it only for as long as we need it, we keep it confidential, and we do not use it for anything else.
16.2 Where Schedule 1 gives you an instruction right about personal data that conflicts with this clause, Schedule 1 wins.
17. Limitation of liability
⚠ THIS CLAUSE LIMITS WHAT YOU CAN RECOVER FROM US. PLEASE READ IT.
It caps our liability at the greater of what you have paid us in the last twelve months and £2,000, with a higher cap for data protection, security and confidentiality claims, and it excludes several named categories of loss altogether.
It is written on the assumption that you insure your own business against business interruption and consequential loss. The price of the Service is set on that basis.
There are things we never limit, and they are listed first, in clause 17.1.
17.1 Liability we never exclude or limit. Nothing in these terms excludes or limits our liability for:
(a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot lawfully be excluded or limited; or (d) wilful default, meaning our deliberate abandonment of our obligations under these terms.
For the avoidance of doubt, nothing in this clause 17 limits your obligation to pay the charges.
17.2 Insurance — how risk is allocated between us. You are responsible for insuring your own business. In particular, you are responsible for insuring against business interruption, loss of profit or revenue, and consequential losses arising from any interruption to, or defect in, any service you buy, including this one. We are a small supplier at a low price point and it is not realistic for us to carry insurance against the whole of the loss a customer's business could suffer. You are much better placed to insure your own business than we are, and the charges for the Service are set on the basis that you do.
17.3 Why the price is what it is. £24 per month is set on the basis of the allocation of risk in this clause 17. If we assumed unlimited or uncapped exposure to our customers' business losses, we could not offer the Service at this price, and we would price it very differently. You are agreeing to that allocation as part of what makes the price possible. If you want a higher cap, ask us at contracts@pocketdocket.co.uk before you subscribe and we will discuss it and quote for it.
17.4 The cap. Subject only to clause 17.1, and except where clause 17.5 applies, our total liability to you, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, restitution, under any indemnity, or otherwise, arising out of or in connection with these terms or the Service, is limited to:
the greater of — (a) the total charges paid by you in the 12 months immediately preceding the first event giving rise to the claim; and (b) £2,000.
17.5 Data protection, security and confidentiality. Subject only to clause 17.1, our total liability for breach of Schedule 1, breach of our security obligations, or breach of clause 10 (confidentiality) is limited to:
the greater of — (a) £25,000; and (b) five times the total charges paid by you in the 12 months immediately preceding the first event giving rise to the claim.
This cap applies instead of the cap in clause 17.4 for those claims. It is not additional to it, and the two are not cumulative in respect of the same loss.
Clause 17.5 does not affect any right a data subject has directly against either of us, and it does not affect anything the Information Commissioner may do.
17.6 This is one aggregate cap. The caps in clauses 17.4 and 17.5 are single aggregate caps across the whole of your relationship with us. They are not caps per claim, per event, per year or per head of loss. Where more than one claim arises, they share the same cap. "Paid" means charges actually paid to us, not charges invoiced, payable or falling due.
17.7 Losses we exclude. Subject only to clause 17.1, we are not liable for any of the following, in each case whether the loss is direct or indirect, and whether or not we were told it might happen:
(a) loss of profit; (b) loss of revenue; (c) loss of business, or of any business opportunity or contract; (d) loss of anticipated savings; (e) loss of goodwill or damage to reputation; (f) loss of, or corruption of, data; (g) wasted expenditure, including expenditure incurred in reliance on the Service or on anything it produced; (h) business interruption; and (i) losses arising from any claim made against you by a third party.
17.8 What we are not responsible for. We are not liable for loss to the extent it is caused by:
(a) inaccurate or incomplete data in your Xero organisation; (b) your use of a draft that you did not review and approve under clause 8; (c) anything done or not done by Xero, Stripe, or any other third party whose service you have chosen to use, other than a sub-processor we engaged; or (d) loss you could reasonably have avoided or reduced.
17.9 Claims are against the company, not against people. Any claim you bring in connection with these terms or the Service must be brought against Pocket Docket Ltd alone. You agree not to bring any claim, in contract, in tort, in negligence, for misrepresentation or on any other basis, against any director, officer, employee, contractor, consultant or shareholder of Pocket Docket Ltd personally in respect of the Service or of anything done or said in connection with it. This clause is for the benefit of each of those people, and each of them may enforce it under the Contracts (Rights of Third Parties) Act 1999. This clause does not apply to fraud, and it does not apply to death or personal injury caused by negligence.
17.10 Each part stands alone. Every limitation and exclusion in this clause 17 is separate. If any one of them is held to be unenforceable, the others continue to apply.
17.11 Your acknowledgement. By subscribing you acknowledge that:
(a) you have read clause 17; (b) you understand that our liability is capped and that named categories of loss are excluded; (c) you accept that you, not we, are responsible for insuring your business against business interruption and consequential loss; (d) you understand that the price reflects that allocation, and that a different allocation is available on request at a different price under clause 17.3; and (e) you consider the allocation of risk in clause 17 to be fair in the circumstances.
We ask you to tick a separate box confirming clause 17.11 at signup, and we keep the record.
18. If you are a consumer
This clause changes clause 17 for consumers. It is short on purpose.
18.1 You are a consumer if you are an individual and you are buying the Service wholly or mainly for purposes outside your trade, business, craft or profession. Most people who buy Pocket Docket are not, because the product exists to run a business. But if you are, this clause applies to you.
18.2 Your statutory rights are untouched. Nothing in these terms affects your rights under the Consumer Rights Act 2015 or the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, including your rights about the quality and description of digital content, your right to a service carried out with reasonable care and skill, and your right to cancel a distance contract.
18.3 The cap does not apply to you. Clauses 17.4, 17.5, 17.6, 17.7 and 17.8 do not apply to a consumer. They are disapplied in full.
18.4 What applies instead. If you are a consumer, we are liable to you for loss you suffer that is a foreseeable result of our breaking this contract or of our failing to use reasonable care and skill. Loss is foreseeable if either it is obvious that it will happen, or if, at the time you subscribed, both of us knew it might. Our liability to you is subject only to clause 17.1 and to section 65 of the Consumer Rights Act 2015.
18.5 Clause 17.9 (claims against the company, not against people) continues to apply, except in respect of fraud or of death or personal injury caused by negligence.
18.6 Where to read the rest. Your cancellation rights, the 14-day refund, the model cancellation form and how refunds are paid are in our separate Consumer Terms and Cancellation Rights. Where that document and these terms differ, that document wins for you.
19. Users who already have access
19.1 Some businesses were given access to Pocket Docket before subscriptions existed. If you are one of them — you have a dashboard, you did not sign up, you are not on a free trial and you are not paying us — this clause is the one that applies to you. We call you a Legacy User.
19.2 Your access continues. It continues on the terms on which it was granted to you, for as long as we continue to provide it, and it does not depend on you having a subscription, a trial, a card on file or any billing record at all. Nothing in clause 5, clause 14 or clause 15.6 applies to you, because none of it can: you are not a paying subscriber and there is nothing to be in arrears on.
19.3 These terms apply to you otherwise — in particular clauses 3, 6, 7, 8, 9, 10, 11, 12, 16 and 17 — and they apply for your benefit as much as ours. Where a clause only makes sense for a paying subscriber, it does not apply to you.
19.4 If we offer you a subscription. We may offer you one. If we do, we will tell you clearly what it costs and when it starts, and your existing access continues on the terms in clause 19.2 unless and until you accept. Accepting is a positive act by you. Not answering us is not accepting, and we will not start charging you or switch you off because you did not reply.
19.5 If we ever need to end a Legacy User's access — because we stop providing the Service, or because clause 14 or clause 15.7 applies — we will give you at least 60 days' notice and clause 16 applies to your data.
20. Changing these terms
20.1 We may change these terms. If a change is more than tidying up or a correction, we will give you at least 30 days' notice by email and publish the new version with a version number and a date.
20.2 If a change materially disadvantages you, you may cancel before it takes effect and we will refund the unused part of anything you have paid.
20.3 Carrying on using the Service after the change takes effect means you accept it.
20.4 We keep every version, and we record which version you accepted and when.
21. Xero, and what happens if it goes away
21.1 The Service depends completely on Xero's API. There is no version of Pocket Docket that works without it.
21.2 If Xero changes its API, its terms, its permissions or its pricing, or withdraws or suspends our access, or requires us to change how the Service works, the Service may stop working or may have to change, through no fault of yours or ours. We will tell you as soon as we reasonably can.
21.3 If that happens and we cannot provide a materially equivalent service, either of us may end this agreement immediately on notice, and we will refund the unused part of anything you have paid. Clause 16 applies to your data.
21.4 You are responsible for your own relationship with Xero and for your own Xero subscription. We are not a party to it.
21.5 The same applies to any other platform the Service depends on, including our hosting, our database and our AI provider.
22. General
22.1 Force majeure. Neither of us is liable for a failure or delay caused by something outside our reasonable control. This does not apply to your obligation to pay. If it lasts more than 30 days, either of us may end this agreement on notice. A failure by one of our providers is only a force majeure event where it is genuinely outside our control and does not result from us failing to choose or manage that provider with reasonable care.
22.2 Transfer. You may not transfer this agreement without our written consent, which we will not unreasonably withhold. We may transfer it to a company that acquires our business, on notice to you. If we do, your rights are unaffected.
22.3 Subcontracting. We may use subcontractors, and we remain responsible for what they do. Sub-processing of personal data is dealt with in Schedule 1.
22.4 Notices. Notices must be in writing. To us: legal@pocketdocket.co.uk, or by post to the registered office in clause 1.1. To you: the email address on your account. Email notices count as given the next working day.
22.5 Entire agreement. These terms and their schedules are the whole agreement between us and replace anything said or written beforehand. Neither of us has relied on any statement that is not in them. This does not exclude liability for fraudulent misrepresentation.
22.6 Waiver and severance. If we do not enforce something straight away, we have not given it up. If any provision is found to be unenforceable, it is removed and the rest continues.
22.7 Third parties. Nobody who is not a party to this agreement may enforce it under the Contracts (Rights of Third Parties) Act 1999, except that the individuals named in clause 17.9 may enforce that clause.
22.8 No partnership. Nothing here makes either of us the other's partner, agent or employee.
22.9 Trading disclosures. Pocket Docket Ltd, registered in Northern Ireland, company number NI742827, registered office 137 York Road, Belfast BT15 3GZ.
23. Governing law and where disputes are heard
23.1 These terms, and any dispute or claim arising out of or in connection with them or their subject matter or formation, including non-contractual disputes or claims, are governed by English law.
23.2 The courts of England and Wales have exclusive jurisdiction.
23.3 If you are a consumer, clauses 23.1 and 23.2 do not take away your right to bring proceedings in the courts of the part of the United Kingdom where you live, or your right to rely on the mandatory rules of law of that place. Nothing in this clause deprives you of the protection of the law where you live.
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