Pointer

Pointer

Terms of Service

As of 6 September 2026

Version 1.3

Applies to users in the United Kingdom only

1. Introduction and Acceptance

Welcome to Pointer. These Terms of Service ("Terms") govern your access to and use of the Pointer mobile application and all associated services (together, the "Services") provided by Tally Labs (UK) Limited ("Pointer", "we", "us", or "our").

By downloading or using the Pointer app, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Services.

These Terms constitute a legally binding agreement between you and Pointer. The Services are intended solely for use by individuals operating as sole traders, micro businesses, or small enterprises in the United Kingdom.

2. Eligibility

You must be at least 18 years old and a resident of the United Kingdom to use the Services. By using Pointer, you represent and warrant that you meet these requirements.

The Services are designed for business use. You confirm that you are using the Services in a business capacity and not as a consumer in a personal capacity where a different regulatory framework may apply.

3. Description of Services

Pointer is a mobile-first business management platform providing tools to help sole traders and micro businesses manage their finances and operations. Our current Services include:

  • Bookkeeping and financial record management
  • Digital tax filing assistance and document preparation
  • Business performance tracking and reporting
  • AI-generated insights into performance drivers and trends
  • AI-generated insights into operational and audit risks
  • Inventory tracking
  • Point of sale transaction management
  • Time management tools
  • Customer order management
  • Service booking and scheduling

We may introduce, modify, or withdraw features at any time. Where a change is material, we will give you reasonable notice via the app or by email.

4. Account Registration

To access the Services you must create an account. You agree to provide accurate, current and complete information during registration and to keep that information updated. You are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately of any unauthorised access to or use of your account.

You may not share your account with others or allow others to access your account. You are fully responsible for all activity that occurs under your account.

4.1 Subscribers and Invited Users

The individual or legal entity that creates the Pointer account is the "Subscriber" and controls access to the account. If you invite secondary users ("Invited Users") to access your account, you are responsible for setting their permission levels and for all activities they conduct within the app. Pointer is not responsible for resolving access or data ownership disputes between Subscribers and Invited Users.

5. Subscriptions and fees

Pointer is provided on a paid subscription. The standard plan, Base 50, is £5 per month or £50 per year. Profession packs that include Base 50 plus additional toolbox tools may be offered at different prices. New subscribers may receive a 30-day free trial when they start a subscription with a payment method. A separate one-week trial with no payment method is available once per user in the app. After a trial, the subscription renews at the then-current plan price until cancelled.

You can cancel through the Stripe customer billing portal. If you do not subscribe after a trial ends, access to the Services is suspended until a subscription is started. We will give reasonable notice of material changes to pricing.

6. Bank and Financial Account Connections

The Pointer app offers the ability to connect to your existing bank accounts, payment accounts, and card accounts (collectively, "Connected Accounts") to retrieve and verify transaction data for the purposes of bookkeeping, reconciliation, and financial reporting. This functionality is provided subject to the following:

6.1 Your Authorisation

By connecting a bank or payment account, you explicitly authorise Pointer to access the transaction data associated with that account in accordance with applicable regulations, including the Payment Services Regulations 2017. You may withdraw this authorisation at any time through the app settings.

6.2 Third-Party Service Providers

Account connectivity is facilitated through regulated third-party open banking service providers. Your connection to those providers is subject to their own terms and conditions. Pointer is not responsible for the acts or omissions of such third parties.

6.3 Limitation of Liability for Connected Accounts

Pointer provides Connected Account features on an "as available" basis. We do not guarantee the availability, continuity, accuracy, timeliness, or completeness of data retrieved through Connected Account connections. We expressly disclaim all liability for:

  • Interruptions, errors, or failures in the connection to any bank or payment provider
  • Inaccuracies or delays in transaction data received from third-party providers
  • Any loss or damage arising from your reliance on data retrieved through Connected Accounts
  • Any security breach occurring at the level of your bank or payment service provider

You remain solely responsible for verifying that all transaction data imported into Pointer is accurate, complete, and correctly categorised.

7. Bookkeeping and Tax Filing

7.1 Nature of the Service

Pointer provides tools to help you record financial transactions, prepare bookkeeping records, and generate documentation for digital tax filing, including submissions compatible with HM Revenue & Customs (HMRC) Making Tax Digital requirements. These tools are provided to assist you in organising and submitting your own financial information — they do not constitute professional accounting, legal, or tax advice.

7.2 Your Responsibilities

You are solely responsible for:

  • The accuracy and completeness of all data you input into the Services
  • Verifying and reconciling all transactions before submitting records or filing with HMRC
  • Ensuring your use of the Services complies with all applicable tax laws and HMRC requirements
  • Maintaining appropriate records independently of the Pointer platform

7.3 Limitation of Liability

Pointer shall not be liable for any loss, penalty, fine, or other consequence arising from:

  • Inaccurate, incomplete, or misleading data entered by you
  • Your failure to verify or reconcile transaction data
  • Any error in a tax filing resulting from incorrect information provided by you
  • HMRC decisions, investigations, penalties, or other regulatory actions

Nothing in these Terms removes or limits your obligations to HMRC or any other regulatory body.

8. AI Insights and Performance Analytics

8.1 Nature of AI Features

Pointer uses artificial intelligence and machine learning to generate insights regarding your business performance, including identification of potential drivers of revenue and risk, and flags relating to operational or audit concerns. These insights are generated automatically based on data you provide and patterns observed across aggregated data.

8.2 Not Professional Advice

AI-generated insights are provided for informational and general guidance purposes only. They do not constitute, and must not be relied upon as, professional financial, accounting, tax, legal, investment, or business advice. You should seek independent professional advice before making any significant business or financial decision.

8.3 Limitation of Liability for AI Outputs

Pointer does not warrant the accuracy, completeness, reliability, or fitness for purpose of any AI-generated insight or recommendation. We expressly disclaim all liability for any loss or damage — including financial loss, missed opportunity, or regulatory consequence — arising directly or indirectly from your reliance on any AI-generated output provided by the Services.

9. Acceptable Use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You must not:

  • Use the Services in any way that violates applicable UK law or regulation
  • Input false, misleading, or fraudulent data into the Services
  • Attempt to gain unauthorised access to any part of the Services or related systems
  • Use the Services to facilitate tax evasion or financial fraud
  • Reverse engineer, decompile, or tamper with the Pointer application
  • Resell or sublicense access to the Services to any third party

9.1 Fair Use Policy

To ensure high availability and fair access for all users, your use of the Services — including AI-generated insight queries, transaction imports, and automated document generation — is subject to reasonable usage limits. If your usage is excessive or unreasonable compared to average micro-business patterns, we reserve the right to throttle your access, request that you reduce usage, or suspend your account upon notice.

10. Intellectual Property

All intellectual property rights in the Services, including the Pointer application, its design, content, functionality, and underlying technology, are owned by or licensed to Tally Labs (UK) Limited. Your use of the Services does not grant you any ownership rights in any part of the Services.

You retain ownership of the data you input into Pointer. By using the Services, you grant Pointer a non-exclusive, worldwide, royalty-free licence to use, process, store, and analyse your data for the purposes of providing and improving the Services, as further described in our Privacy Policy.

11. Data and Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains what data we collect, how we use it, and your rights in relation to that data. Please read it carefully.

12. Third-Party Services and Integrations

The Services may integrate with or link to third-party services, platforms, or providers. Pointer is not responsible for the availability, content, or practices of any third-party service. Your use of third-party services is subject to their own terms and privacy policies.

13. Disclaimer of Warranties

The Services are provided "as is" and "as available" without any warranty of any kind, express or implied. To the fullest extent permitted by law, Pointer disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

  • The Services will be uninterrupted, error-free, or completely secure
  • Any data processed through the Services will be accurate or complete
  • The Services will meet your specific business requirements
  • Any defects or errors will be corrected

13.1 Service Availability and Maintenance

While we strive to maintain 24/7 availability, access to the Services may be temporarily suspended for scheduled maintenance, emergency upgrades, or server outages beyond our reasonable control. Pointer shall not be liable for any losses, delays, or business interruptions resulting from temporary service downtime or delays in third-party bank data feeds.

14. Limitation of Liability

To the fullest extent permitted by applicable law:

  • Pointer's total aggregate liability to you under or in connection with these Terms — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — shall not exceed the total fees paid by you to Pointer in the 12-month period preceding the event giving rise to the claim, or £100 (whichever is greater)
  • Pointer shall not be liable for any indirect, consequential, incidental, special, or punitive loss or damage, including loss of profits, loss of revenue, loss of data, loss of business opportunity, or damage to reputation

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.

15. Indemnification

You agree to indemnify and hold harmless Tally Labs (UK) Limited, its directors, employees, and agents from and against any claims, losses, damages, costs, or expenses (including reasonable legal fees) arising out of or in connection with your breach of these Terms, your misuse of the Services, or any inaccurate data you provide through the Services.

16. Suspension and Termination

We may suspend or terminate your access to the Services at any time if we reasonably believe you have breached these Terms, if required by law, or if the Services are discontinued. We will endeavour to give you reasonable notice unless an immediate suspension is necessary.

You may stop using the Services and delete your account at any time through the app settings. On termination, your right to access the Services ceases. We will handle your data in accordance with our Privacy Policy and applicable law.

16.1 Data Retention Upon Account Termination

Upon account cancellation or termination, your account will be deactivated and archived. We will retain your business and financial records in an archived state for 60 days, during which you may reactivate your account or request an export of your data. After 60 days, we will permanently delete or anonymise your personal and business data, except where retention is strictly required by law or HMRC tax record-keeping regulations.

17. Changes to These Terms

We may update these Terms from time to time. Where changes are material, we will provide reasonable advance notice via the app or email. Your continued use of the Services after the effective date of any updated Terms constitutes your acceptance of those changes. If you do not agree to the updated Terms, you must stop using the Services.

18. Governing Law and Disputes

These Terms are governed by the laws of England and Wales. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

We aim to resolve any concerns informally in the first instance. Please contact us at info@pointerapp.co before initiating formal proceedings.

19. General

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. Our failure to exercise any right under these Terms shall not constitute a waiver of that right. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Pointer with respect to your use of the Services.

20. Contact

Tally Labs (UK) Limited

Email: info@pointerapp.co