Terms of Service

These Terms of Service govern your use of the Filo website, mobile application, and related services. By accessing or using Filo, you agree to comply with these terms.

If you do not agree with these terms, you should not use the service.

Use of the service

Filo provides software designed to help self-employed drivers organise financial records, track mileage, and prepare information related to tax reporting.

You agree to use the service only for lawful purposes and in accordance with applicable laws and regulations.

Account responsibility

If you create an account with Filo, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You are responsible for ensuring that the information you provide is accurate and up to date.

Open Banking connections

Filo may allow you to connect bank accounts using Open Banking providers such as TrueLayer.

These connections provide read-only access to transaction data so that financial records can be organised automatically.

Filo cannot move money, initiate payments, or access your banking credentials.

HMRC integrations

Where available, Filo may allow you to connect to HMRC systems using official APIs and authentication methods.

Any submissions or information sent to HMRC using the service remain the responsibility of the user. You are responsible for reviewing information before submission.

No tax advice

Filo is a software tool designed to help organise financial information and support tax reporting workflows.

Filo does not provide professional tax, legal, or financial advice. If you require advice relating to your tax situation, you should consult a qualified professional.

Data accuracy

While Filo aims to provide reliable tools for organising financial records, the accuracy of data ultimately depends on the information provided by the user and connected systems.

Users should review records and summaries before relying on them for tax reporting purposes.

Availability of the service

We aim to maintain reliable access to the service, but availability may occasionally be affected by maintenance, updates, or technical issues.

We may modify or update features of the service over time to improve functionality or comply with regulatory requirements.

Limitation of liability

To the fullest extent permitted by law, Filo shall not be liable for any indirect, incidental, or consequential damages arising from the use or inability to use the service.

Users remain responsible for their financial records and tax submissions.

Termination

We reserve the right to suspend or terminate access to the service if these terms are violated or if the service is used in a manner that could harm the platform or other users.

Changes to these terms

We may update these Terms of Service from time to time. Updates will be reflected on this page.