Terms of Use

These Terms of Use govern your access to and use of TaxBloc, a service provided by MortgageBloc Limited ("we", "us", "our"). By using TaxBloc, you agree to these terms. Please read them carefully.

1. About TaxBloc

TaxBloc is a financial data export service that allows users to connect their UK bank accounts via Open Banking and generate standardised CSV exports of their transaction data. TaxBloc is a trading name of MortgageBloc Limited, registered in England and Wales under company number 12844126.

We operate as an agent of Plaid Financial Ltd, an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (FCA Firm Reference Number: 804718).

2. Eligibility

To use TaxBloc, you must:

• Be aged 18 or over
• Be a UK resident or have UK bank accounts
• Have the authority to access the bank accounts you connect
• Use the service for lawful purposes only

3. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at hello@taxbloc.ai if you suspect any unauthorised use.

4. Open Banking Access

TaxBloc connects to your bank accounts using FCA-regulated Open Banking technology provided by Plaid Financial Ltd. This connection is:

• Read-only — we cannot initiate payments, move money, or alter your account in any way
• Revocable — you can withdraw access at any time through your banking app or by contacting us
• Secure — your bank credentials are never shared with or stored by TaxBloc

5. Acceptable Use

You agree not to use TaxBloc to:

• Access bank accounts you are not authorised to use
• Engage in any fraudulent, deceptive, or illegal activity
• Attempt to reverse engineer, copy, or replicate the service
• Interfere with the security or integrity of the platform

6. Pricing and Payment

Your first export is free. Subsequent exports require a paid subscription. Prices are displayed at the time of purchase and are inclusive of VAT where applicable. All subscriptions are billed annually and are non-refundable except where required by law.

We reserve the right to change our pricing at any time with reasonable notice.

7. Limitation of Liability

TaxBloc provides data export functionality as a tool to assist with financial record-keeping. We do not provide financial, tax, or accounting advice. You are responsible for verifying the accuracy of exported data and for any decisions made based on it.

To the fullest extent permitted by law, MortgageBloc Limited shall not be liable for any indirect, incidental, or consequential loss arising from your use of TaxBloc.

8. Intellectual Property

All intellectual property in the TaxBloc platform, including its design, code, and content, belongs to MortgageBloc Limited. You may not reproduce or distribute any part of the service without our prior written consent.

9. Termination

We reserve the right to suspend or terminate your account if you breach these terms, engage in fraudulent activity, or use the service in a manner that may cause harm to others.

10. Changes to These Terms

We may update these Terms of Use from time to time. We will notify you of material changes by email or by posting a notice on the site. Continued use of TaxBloc after changes are made constitutes your acceptance of the updated terms.

11. Governing Law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

If you have any questions about these terms, please contact us at hello@taxbloc.ai or write to us at 1 Dysart Street, London EC2A 2BX.