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Terms of service

Last updated 12 November 2026

Draft for review. This document hasn't been checked by a solicitor yet and [bracketed] details are placeholders.

These terms are the agreement between you and us when you use Sumsational. We've written them in plain English. They still matter, so please read them; the important bits about advice and liability are in sections 9 and 12.

1. Who we are

Sumsational is provided by Positive Mind Success Limited, a company registered in Scotland (company number SC590201), whose registered office is at Clyde Offices, 2nd Floor, 48 West George Street, Glasgow, G2 1BP (“we”, “us”, “our”). You can reach us at chris@positivemindsuccess.com.

2. Who these terms are for

Sumsational is a business tool. By creating an account you confirm you're using it for your trade, business, craft or profession, and that you're at least 18. If you accept these terms for a company or other organisation, you confirm you have authority to bind it, and “you” means that organisation.

3. Definitions

  • Service: Sumsational, including the web app, customer invoice pages we host for you, our APIs and MCP server, and our support.
  • Account: your account, your practice (if you have one) and the businesses whose books you can open.
  • Users: the people you invite to your Account.
  • Customer Data: everything you or your Users put into the Service, including bank transactions, journals, invoices, bills, receipts, payroll records and files.
  • AI Features: features that use artificial intelligence to generate or change content, including Sprocket's suggestions and receipt reading.

4. Your account

Keep your login details safe and make sure the information on your Account is accurate. You're responsible for what happens under your Account, including what your Users do, and for giving Users only the access they need. Tell us straight away at chris@positivemindsuccess.com if you think someone has got into your Account without permission.

5. Using the Service

You may use the Service for your own business and, if you're an accountant or bookkeeper, for the businesses you look after with their permission. You must use it lawfully: no fraud, no hiding money that shouldn't be hidden, no records you know to be false, no getting into books you weren't invited to, and nothing that harms the Service or other customers.

You must not copy, resell, reverse engineer or try to get around the security or usage limits of the Service, except where the law says we can't stop you.

6. Fees

The Service is free while it's in beta. Before we start charging, we'll publish our prices and give you at least 30 days' notice by email, and you can stop using the Service before any charge applies. [CONFIRM PRICING TERMS BEFORE LAUNCH.]

7. Bank connections and filings

When you connect a bank or payment provider, you authorise us to fetch read-only account information on your behalf. Some connections go through a regulated provider under that provider's terms, and your bank may ask you to renew consent from time to time. Where the Service prepares filings for HMRC or Companies House, nothing is sent until you (or someone you've authorised) approves it, and you remain responsible for what is filed.

8. Your data

Customer Data stays yours. You give us permission to host, copy, process and display it only as needed to run, secure, support and improve the Service for you. You're responsible for having the right to use your Customer Data, including details of your customers, suppliers and employees.

Where Customer Data includes personal data, we process it on your behalf as your processor under our Data Processing Addendum [LINK TO DPA], which forms part of these terms. Our Privacy Policy explains how we handle personal data for which we're the controller (such as your own account details).

Before your Account closes we'll help you take a copy of your books, which UK law usually expects you to keep for at least six years. After it closes we keep Customer Data for 30 days so you can change your mind, then delete it, except where we must keep something by law. Backups roll off within a further 90 days. [CONFIRM EXPORT FORMATS BEFORE LAUNCH.]

9. Not advice, and AI Features

Sumsational is software, not an accountant or tax adviser. It does calculations, suggests categories and prepares documents from the records you keep, but it doesn't give financial, tax or legal advice. You're responsible for the accuracy of your records and for checking figures, returns and filings before you rely on them; take advice from a qualified professional where you need it.

AI Features can make mistakes. Their suggestions are labelled, and nothing they produce is posted to your books until a person confirms it. We don't use your Customer Data to train AI models, and we only send it to AI providers to produce the result you asked for.

10. Our intellectual property

We (and our licensors) own the Service, including its software, design, characters (yes, including Sprocket) and brand. These terms don't give you any rights in them beyond using the Service. If you send us feedback or ideas, we can use them freely.

11. Availability and changes

We work hard to keep the Service running smoothly, but we don't promise it will be uninterrupted or error-free. We may carry out maintenance, and we may change, add or remove features. If we remove a feature that's a material part of what you pay for, we'll tell you in advance and you may cancel and get a pro-rated refund of any prepaid fees.

12. Liability

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that can't be limited by law.

Subject to that, neither of us is liable for loss of profits, revenue, business, goodwill or data, or for any indirect or consequential loss. Our total liability to you in any 12-month period is limited to the fees you paid us in that period, or £100 if that is more. [CONFIRM WITH A SOLICITOR.]

You'll cover us for losses arising from claims by third parties that your Customer Data or your use of the Service broke the law or these terms.

13. Suspension and ending these terms

You can stop using the Service at any time. We may suspend or end your access if you seriously or repeatedly break these terms or the Acceptable Use Policy, if you don't pay, or if we need to protect the Service, other customers or the public. Where it's reasonable to, we'll warn you first and give you a chance to put things right.

14. Changes to these terms

We may update these terms from time to time. For material changes we'll give you at least 30 days' notice by email or in the app. If you don't agree, you can cancel before the change takes effect.

15. General

These terms (with the documents they mention) are the whole agreement between us about the Service. If part of them turns out to be unenforceable, the rest still applies. Neither of us is responsible for delays caused by events outside our reasonable control. You may not transfer these terms without our consent; we may transfer them to a company that takes over the Service. No one else has rights under these terms.

These terms are governed by Scots law, and the courts of Scotland have exclusive jurisdiction.