1.1. We are Vedanta Capital Ltd, trading as Elucidation Labs, a company registered in England and Wales under company number 16493104, with registered office at Suite 7, 2nd Floor, Apple Market Hub, 9 Crown Passage, Kingston Upon Thames, United Kingdom, KT1 1JD.
1.2. You can get hold of us by emailing us at hello@mytaxreality.co.uk, or by writing to us at the address above.
Please read these terms and conditions carefully before you place an order with us via the website. They contain important information, including:
as well as other matters.
2.1. If, in these terms and conditions, we say that either of us may contact the other in 'writing', this means it can be by letter or by email.
3.1. For information about how we collect and use your personal information, please see our privacy notice, available here: mytaxreality.co.uk/privacy. As explained there, we do not store any personal information from you on our own systems in connection with this purchase. Your email address is collected by Stripe as part of taking payment, and is used once, automatically, to send you a confirmation of your order and the terms you agreed to — we do not keep a copy of it ourselves.
When you place an order with us, the legal contract between you and us comes into existence at the moment your payment is confirmed as successful by Stripe. Because delivery is immediate and automated, there is no separate manual confirmation step. If your payment is not successful, no contract is formed and you will not be charged.
5.1. Not applicable — see 5.2 and 5.3.
5.2. In some circumstances we may need to make minor changes to the digital content that you ordered — for example, to reflect a change in tax law, rates, or allowances, or to make minor technical corrections. As these are minor changes, we will not usually contact you about them.
5.3. Because your report is generated and delivered within seconds of payment, we do not hold contact details for you before your order is placed and there is no window in which to contact you before delivery. If, exceptionally, we identify that a report already delivered to you needs a significant correction, we will do our best to contact you using the email address Stripe holds for your payment, and you may request a corrected report or a refund.
6.1. From time to time we may need to update our digital content (for example, following a Budget announcement or change in tax rates). We will ensure that any report you receive reflects the tax rules applicable at the date of your purchase.
7.1. The price of the report is the price shown on our website at the time you place your order. We are not VAT registered, so no VAT is added to this price.
7.2. We make all reasonable efforts to ensure our website price is correct before you pay. Because payment and delivery both happen within the same short transaction, if an error is ever identified after payment has been taken, we will refund you promptly.
7.3. There are no additional delivery costs — the report is delivered digitally as part of the purchase price.
7.4. Not applicable — payment is taken in full before delivery begins, so no late-payment scenario arises for this product.
7.5. We accept payment by debit or credit card, processed securely by Stripe.
8.1. Your report is generated and made available to download immediately after your payment is confirmed as successful.
8.2. Because delivery is instant and automated, delays are not expected in the ordinary course. If you paid but did not receive your report — whether due to a system issue on our side or an interruption on yours — see section 13.5, which explains what to do and confirms you'll receive a full refund.
Not applicable — this report is a one-off, instantly delivered digital product, not an ongoing or subscription service.
Not applicable — we do not require any personal information or other input from you in order to provide you with the report beyond your successful payment.
11.1. We hope you are satisfied with the report, but if there is a fault with it, please contact us using the details in section 1.
11.2. We must provide digital content to you that meets your consumer rights.
11.3. This is a summary of your key rights only. For more detailed information, contact the Citizens Advice consumer helpline or your local Trading Standards Department. Under the Consumer Rights Act 2015, digital content must be as described, fit for purpose, and of satisfactory quality:
11.4. These rights are in addition to any cancellation rights you may have during the cooling-off period — see section 13.
12.1. If we do not comply with these terms, or do not use reasonable care and skill in providing the report, we are liable for foreseeable loss or damage that we cause.
12.2. If we provide you with a faulty report that damages your device, we will either repair the device or pay compensation.
12.3. We do not limit or exclude our liability where we are not permitted to do so by law — including for death or personal injury caused by our negligence, for fraud, for breach of your legal rights under section 11.3, or for defective items under the Consumer Protection Act 1987.
12.4. The report contains general tax information and guidance, not personalised financial or tax advice. Where we provide guidance within the report, this is provided on that basis — see also the general disclaimers in our Website Terms and Conditions.
12.5. We only provide this report for private and domestic use, not business or commercial use. If you use it for business purposes, we have no liability for loss of profit, business, opportunity, or goodwill.
13.1. Your rights to cancel during the cooling-off period are in addition to, and separate from, your other cancellation rights set out in section 14.
13.2. When you buy digital content online, you normally have the right to cancel within a cooling-off period under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, simply because you've changed your mind, without needing to give a reason.
13.3. This right does not apply once you have downloaded the report, because before you can pay, you will be asked to tick a box confirming: "I request that my report is supplied immediately, and I understand that I lose my right to cancel once the download begins. I agree to the terms of sale." You cannot complete payment without agreeing to this.
13.4. This exception applies because: you have expressly requested that delivery begin immediately, rather than waiting until the 14-day cooling-off period has passed, and you have confirmed your acknowledgment of losing your cancellation right as a result, in line with the Consumer Contracts Regulations 2013. We will also email you confirmation of your order and the terms you agreed to, as a durable record separate from Stripe's own payment receipt.
13.5. If you believe you have not yet downloaded your report and wish to cancel before doing so, contact us immediately at hello@mytaxreality.co.uk. If you have your order confirmation email, please forward it — this is the fastest way for us to identify your transaction with Stripe. If not, please provide the date and approximate time of purchase and the amount charged, as shown on your bank or card statement.
A note on lost or interrupted purchases: because your report is generated on your own device and never stored on our servers, if you lose access before downloading it (for example, by switching devices or clearing your browser data partway through), we are not able to automatically regenerate or resend the report itself. In this situation, please contact us at hello@mytaxreality.co.uk with your order confirmation email or the transaction details described above, and we will process a full refund.
13.6. If you validly cancel under this section before downloading, we will refund you in full within 14 days of your cancellation request.
14.1. In addition to your cooling-off rights, you may cancel immediately if: we've told you of a price or description error and you don't want to proceed at the correct price/description; we need to make a major change under section 5.3 and you don't want to proceed; there's a significant delay in delivery due to circumstances outside our control; or you have some other legal right to cancel.
14.2. If you cancel for any of these reasons, we will refund you for any report you've paid for but not received, or that wasn't properly provided.
14.3. If there is a fault with the report, see section 11.
Not applicable in the ordinary course — because payment is taken in full before delivery begins, the non-payment and information-based cancellation scenarios common in this type of template do not arise for this product.
Not applicable — the Freedom Day Report is a one-off purchase, not a subscription.
17.1. We may transfer our rights and obligations under these terms to another organisation. We will let you know if we do so; this will not affect your rights.
17.2. You cannot transfer your rights or obligations under these terms without our written consent.
17.3. If a court decides part of these terms is invalid or unenforceable, the rest will remain in place.
17.4. If we delay in exercising a right under this contract, that does not stop us exercising it later.
17.5. Unless we transfer our rights as above, this contract is only between you and us — no other person or organisation has rights under it.
The wording on this form is specified by law and should only be changed where indicated.
To Vedanta Capital Ltd (trading as Elucidation Labs), hello@mytaxreality.co.uk:
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract for the supply of the following digital content [*],
Ordered on [*]/received on [*],
Name of consumer(s),
Address of consumer(s),
Signature of consumer(s) (only if this form is notified on paper),
Date
[*] Delete as appropriate