Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the Micahguru website and dashboard (together, the "Platform") and the services we provide, including UK company formation, compliance support, invoicing and payment links (the "Services").

By creating an account, using the dashboard or paying for any plan, you agree to these Terms. If you do not agree, you must not use the Services.

1. About us

Micahguru operates the Platform and provides the Services described on our marketing pages and within the user dashboard. Our contact details and office address are shown in the footer of this site. References to "we", "us" and "our" mean Micahguru.

2. Nature of our Services (no legal or tax advice)

• We provide technology, tools and support to help you form and manage UK companies, create invoices and payment links, and track business activity.
• Unless expressly stated in writing, we do not provide legal, tax, investment or accounting advice. Information on the Platform is for general guidance only and may not be up to date with all regulatory changes.
• You remain responsible for obtaining independent professional advice where necessary and for ensuring that your business meets all legal, tax and regulatory obligations.

3. Eligibility and account registration

• You must be at least 18 years old and have capacity to enter into a contract.
• You must provide accurate and complete information when creating your account and when submitting details for company formation, invoicing or other features.
• You are responsible for keeping your login credentials secure and for all activity that occurs under your account. If you suspect unauthorised use, you must inform us immediately.

4. Plans, pricing and billing

• Our current plans (Starter, Business and Enterprise) and their key inclusions are described on the marketing pricing page and comparison table. Plan details may change over time; the version shown at the time of purchase applies to your order.
• Setup fees are typically charged once per company. Monthly subscription fees give you ongoing access to dashboard features such as invoice allowances, payment links, compliance reminders and support, subject to plan limits.
• We use third-party payment processors (such as Stripe) to collect fees. By paying us, you also agree to the processor's own terms and policies.
• If your subscription renews automatically, you authorise us to charge the applicable fees until you cancel in accordance with these Terms or as described on the pricing page.

5. Company formation and compliance services

• When you request UK company formation, you authorise us to submit your application and supporting information to Companies House and, where relevant, other agencies.
• Our 24-hour or 8-hour formation timeframes relate to our internal handling of your application once payment and required information are received. We do not control Companies House processing times and cannot guarantee the exact time of registration.
• Where plans include ongoing services (such as registered office address, annual confirmation statement filing, VAT registration or bookkeeping), those services are provided subject to you supplying accurate and timely information and complying with any additional engagement terms we may provide.
• You remain legally responsible for your company's filings and compliance. Our role is to assist and submit on your instructions, not to act as director or officer of your company.

6. Invoices, payment links and payments

6.1 Use of invoicing and payment link features

• The invoice and payment link tools are provided for legitimate business-to-business or business-to-consumer transactions only.
• You must not use the Platform to process payments related to illegal activities, high‑risk or prohibited products, or in violation of any card network or payment processor rules.
• You are solely responsible for the accuracy of invoice details, customer information, tax rates and amounts entered in the dashboard.

6.2 Payment processors and settlement

• Card and online payments made through invoices or payment links are processed by third‑party providers such as Stripe. Funds are held and settled in accordance with those providers' terms. MicahGuru does not operate as a bank and does not hold client funds in its own accounts for payment services.
• Platform and transaction fees (including any MicahGuru service fee shown in your dashboard) are charged in addition to processor fees and are set out in the app or on the pricing page.
• We may, acting reasonably, suspend or delay payouts, or request additional information, if we detect unusual, high‑risk or potentially fraudulent activity, or are required to do so by a processor or regulator.

6.3 Limits and fair use

• Each plan includes a monthly allowance of invoices and payment links as shown in the comparison table. The dashboard shows your current usage and remaining allowance.
• If you exceed your allowance, we may restrict creation of further invoices or payment links until the next billing cycle or until you upgrade your plan.
• We operate a fair‑use policy and may take action (including suspension) where usage patterns suggest automated, abusive or non‑standard use beyond what is reasonable for the selected plan.

7. Referral programme

• If you participate in our referral programme, you must only share your referral link with people who have a genuine interest in our services. Spam, misleading marketing and fake sign‑ups are strictly prohibited.
• Referral events (clicks, signups and rewards) are tracked through your unique code. Rewards are initially marked as "Pending" and become "Paid" only after the referred customer has made a qualifying payment and our checks are complete.
• You may request a payout once your paid rewards meet the minimum payout threshold configured in your dashboard (for example £100). Payouts are processed manually according to our internal review process and may be subject to additional verification.
• We reserve the right to adjust or withhold rewards where there is suspected abuse, duplicate accounts, chargebacks or refunds.

8. Acceptable use

You agree not to:

• Use the Platform for any unlawful, harmful, fraudulent or misleading purpose.
• Upload or transmit content that is defamatory, obscene, discriminatory, infringing or otherwise objectionable.
• Attempt to access data or systems you are not authorised to access.
• Reverse engineer, decompile or attempt to bypass security or technical restrictions.
• Use the Platform to send spam or unsolicited marketing in violation of applicable law.

9. Intellectual property

• All content and materials on the Platform (including design, text, graphics, logos and software) are owned by or licensed to MicahGuru and are protected by intellectual property laws.
• You are granted a limited, non‑exclusive, non‑transferable licence to use the Platform for your internal business purposes. You may not copy, modify or redistribute our content except as permitted by law or with our prior written permission.

10. Third‑party services

The Platform may integrate with third‑party services (for example Stripe, banks, Brevo, Google, Facebook). Your use of those services is subject to their own terms and policies. We are not responsible for any loss or damage arising from third‑party services.

11. Service availability and changes

• We aim to provide a reliable Platform but do not guarantee uninterrupted or error‑free operation. Maintenance, updates or factors outside our control may cause downtime.
• We may modify or discontinue any part of the Platform or Services, including specific features or plan inclusions, provided that we act reasonably and, where required, give notice to affected customers.

12. Suspension and termination

• You may stop using the Services at any time. If you wish to close your account, please contact support. Some records may be retained as required by law.
• We may suspend or terminate your access to the Platform (in whole or in part) if you breach these Terms, misuse the Services or where required for security, compliance or legal reasons.

13. Liability

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law (for example liability for fraud or for death or personal injury caused by negligence).

To the maximum extent permitted by law:

• We are not liable for indirect, consequential or special losses, or for loss of profits, revenue, data, goodwill or business opportunities.
• Our total aggregate liability arising out of or in connection with the Services in any 12‑month period is limited to the total fees you have paid to us for the Services in that period.
• We are not responsible for decisions or actions taken by Companies House, HMRC, payment processors, banks or other third parties, even where we submit information to them on your behalf.

14. Indemnity

You agree to indemnify and hold MicahGuru harmless from any claims, damages, losses, costs or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services or your violation of any law or rights of a third party.

15. Data protection

Our use of personal data is described in our Privacy Policy. By using the Services, you acknowledge that we will process personal data in accordance with that policy.

16. Changes to these Terms

We may update these Terms from time to time, for example to reflect changes in our Services or legal requirements. When we do, we will update the "Last updated" date at the top. If we make material changes, we may also notify registered users via email or dashboard notices. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

17. Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them are governed by the laws of England and Wales. The courts of England and Wales will have non‑exclusive jurisdiction, meaning you may be able to bring a claim in your local court where applicable law allows.

18. Contact

If you have any questions about these Terms, please contact us at [email protected].