Terms of service

Last updated 19 October 2026

These are the terms for using Footings. Please read them before you sign up. If anything is unclear, email us at hello@usefootings.co.uk.

1. About these terms

Footings is a trading name of Mullo Ltd, a company registered in England and Wales (company number 17478834), with its registered office at 71-75 Shelton Street, Covent Garden, London WC2H 9JQ. In these terms, "we", "us" and "Footings" mean Mullo Ltd, and "you" means the person who creates an account.

When you create an account, these terms form an agreement between you and us. How we use your personal information is explained in our privacy notice.

2. What Footings is, and what it isn't

Footings helps people who build or convert their own home to organise their invoices and prepare a VAT refund claim under HMRC's DIY Housebuilders' Scheme. It reads your invoices, checks them against HMRC's published guidance, tells you what looks claimable and what doesn't, drafts emails for you to send to suppliers when something needs fixing, and prepares a claim schedule.

Footings is not a tax adviser and does not give tax advice. We don't submit claims for you, we don't act on your behalf with HMRC, and we never handle any refund HMRC pays. You make and submit your own claim, and HMRC alone decides whether to repay any VAT, and how much. We can't promise that HMRC will accept any invoice or claim.

The rules are set by HMRC and can change. We work to keep our checks in line with HMRC's published guidance, but you should always check anything you are unsure of against that guidance, or ask a qualified adviser.

3. Your account

• You must be 18 or over, and use Footings for your own self-build or conversion project.
• Give us accurate information and keep it up to date.
• Keep your sign-in email secure. You are responsible for what happens under your account.
• You can invite other people, such as a partner or an adviser, to your build. They will be able to see what you can see, so only invite people you trust.

4. Checking your invoices: reading is a convenience

When you add an invoice, an automated service reads it and fills in the details for you. This is there to save you typing, and it can make mistakes. You are responsible for checking that the details we show match your invoice, and for correcting anything that doesn't. Our checks work on the details as saved, so a wrong figure or supplier name will give a wrong result.

Before you make your claim, please check that the figures you submit are right. The Check everything button on your claim page re-checks every invoice against the current rules, and we recommend using it just before you submit.

5. Plans and prices

• Free plan: the first 10 invoices on your account are read and checked in full, at no charge and without a card.
• Build Pass: a one-off payment that covers unlimited invoices for one build, for as long as the build takes, and your claim schedule at the end. It applies to one build only.
• Claim Check: a second, independent check of your finished claim, with a person reviewing anything the checks disagree on, and a written note of what was checked. It confirms your claim is complete and consistent with HMRC's published guidance. It isn't tax advice and it isn't a guarantee.

The price of each plan is shown on our pricing page and again at checkout, before you pay. There is no subscription. If our prices go up later, the price you have already paid does not change, and a plan you have bought stays yours at the price you paid.

6. Paying

Payments are taken by Stripe, by card, and are made in pounds sterling. We never see or store your card details. You'll receive a receipt by email after you pay.

7. Your right to cancel, and refunds

You have the right to cancel any plan you buy within 14 days of paying, without giving a reason. To cancel, email hello@usefootings.co.uk and tell us your build and the plan. We'll refund you within 14 days of hearing from you, to the card you paid with.

• Build Pass: we go further than the law requires. If you cancel within 14 days we'll refund the full price, even if you have already used Footings.
• Claim Check: if you ask us to start work within the 14 days and then cancel, you pay for the work we have already done, and we refund the rest. If you ask us to start straight away, we'll ask you to confirm that when you order. Once we have completed the work in full, at your request, the right to cancel ends.

If your Build Pass is refunded, your build goes back to the free plan. Invoices beyond the first 10 stop being checked and counted, and we remove them 30 days after the refund. Please download your own copies before then, using the Download everything button.

None of this affects your legal rights if a plan isn't what we described or isn't provided with reasonable care and skill.

8. The free plan limit

Once you've used the 10 free invoices on your account, we won't read, check or file any more until you buy a Build Pass. Invoices you try to add are not uploaded. Invoices emailed to your Footings address are recorded as waiting (we keep only the sender, subject and date) for 30 days, and are then deleted. If you buy a Build Pass in that time, we ask you to send them again.

9. Emails from us

We'll email you about your account and builds, including sign-in codes, notices that something needs your attention, and a monthly statement of where your build stands. You can stop the monthly statement at any time using the link in it. We'll only send you marketing if you've agreed to it.

10. Using Footings properly

You agree not to:

• use Footings for anything unlawful, or to submit information you know to be false;
• upload anything you don't have the right to use, or that contains viruses or harmful code;
• try to get into another person's account or build, or to break, overload or reverse-engineer the service;
• use automated tools to bulk-copy information from Footings; or
• share your access in a way that lets people who aren't on your build see your information.

We may suspend or close an account that breaks these terms, and we'll tell you why when we do.

11. Your information

The invoices and documents you add remain yours. You give us permission to store, read and process them to provide Footings to you, as our privacy notice explains. You can download a copy of everything at any time, and you can ask us to delete your account.

12. Early access and testers

If you joined through an invitation, an early-access link or a tester offer, Footings may still be changing, and you may find things that don't work as they should. We'd be grateful for your feedback. By sending it, you allow us to use your ideas and comments to improve Footings without paying you or naming you.

13. If something goes wrong

We'll provide Footings with reasonable care and skill. If we fail to do so, or break these terms, we are responsible for loss or damage you suffer that is a foreseeable result. Loss is foreseeable if it was an obvious consequence of us breaking these terms, or if you and we both knew it might happen when you signed up.

We are not responsible for:

• decisions or delays by HMRC, including refusing or reducing a claim, or a claim made late;
• loss caused by information that is wrong, missing or out of date because of something you entered, uploaded or didn't correct;
• loss caused by events outside our reasonable control, such as a failure of the internet or of a provider we depend on; or
• any loss of profit, business or opportunity, since Footings is for private, non-business use.

Nothing in these terms limits our responsibility for death or personal injury caused by our negligence, for fraud, or for anything else the law doesn't allow us to limit. Your legal rights as a consumer are not affected.

We can't promise Footings will always be available or free of interruptions. We aim to fix problems quickly and we'll keep your information safe while we do.

14. Ending your account

You can stop using Footings at any time. To close your account and have your information deleted, email hello@usefootings.co.uk from the address on your account and we'll do it within 30 days. A Build Pass or Claim Check isn't refunded when you close an account, apart from a refund under section 7.

15. Changes

We may improve, change or remove features of Footings, and we'll tell you about any change that significantly reduces what a plan you have already bought gives you. We may update these terms, for example to reflect changes in the law or the service. We'll email you at least 30 days before an important change takes effect, and if you don't agree you can close your account.

16. Complaints

If you're unhappy with Footings, email hello@usefootings.co.uk and tell us what went wrong. We aim to reply within 5 working days and to put things right.

17. Other important terms

• These terms are governed by the law of England and Wales. If you live in Scotland or Northern Ireland you can also bring a claim in the courts where you live.
• These terms, together with our privacy notice, are the whole agreement between you and us about Footings.
• You can't transfer your account or your rights under these terms to someone else without our agreement. We may transfer ours to another company that takes over Footings, and we'll tell you if we do.
• If we don't enforce a part of these terms straight away, we can still do so later. If a part of them is found to be unenforceable, the rest still applies.
• Only you and we can enforce these terms.

18. Contact

Mullo Ltd, trading as Footings. Company number 17478834. Registered office: 71-75 Shelton Street, Covent Garden, London WC2H 9JQ. Email: hello@usefootings.co.uk.