Terms of Service

Plain English on purpose. Effective 7 July 2026.

1. Who we are

Greyledger is a document-analysis service operated as a sole-trader trading name, London, United Kingdom. The proprietor’s name and business address are available in writing on request (Companies Act 2006, s.1204): email hello@greyledger.co.uk. The work is produced using AI systems under human accountability: the operator is responsible for every deliverable, complaint and refund. Contact for everything — orders, questions, complaints, refunds: hello@greyledger.co.uk.

2. What we sell

Fixed-fee document analysis, delivered by email, as described on the relevant service page at the time of purchase. Currently: the service-charge review (£49; the complete report is delivered whatever it finds) with the optional challenge papers, drafted for your signature (£100, prepared only where the review finds grounds worth sending; £149 for both), and the HMRC R&D enquiry response pack (£499 total: £199 deposit, £300 on delivery). Delivery clocks run from the later of payment and receipt of the documents we ask for.

3. What we are not

We provide analysis and information, not legal, tax or financial advice. We are not a firm of solicitors, accountants or a claims management company, and we carry out no reserved legal activities. Every document we prepare is drafted for your own review and signature: you remain the sender of any letter, the applicant in any tribunal proceedings, and the correspondent with HMRC. We never contact landlords, managing agents or HMRC on your behalf.

4. Accuracy and its limits

Every finding in a deliverable cites the source it comes from — your documents, legislation, or published guidance — so you or any professional you instruct can verify it. We verify statutory references against current law at the time of writing. We cannot and do not guarantee outcomes: tribunals, landlords and HMRC decide cases on their full facts. If we deliver work containing a material error, tell us; we will correct it, and where correction is not possible we will refund it in full.

5. Payment

Fees are fixed and staged, taken through Stripe. For the service-charge review: £49 is paid for the review, and the full report is delivered whatever it finds. Where the review finds grounds worth challenging, the challenge papers — drafted for your signature — are offered as a separate item for £100 and prepared on payment. Where it finds nothing to challenge, there are no letters to draft, the £49 is the entire fee, and you still receive the full report. For the R&D pack: the £199 deposit in advance, the £300 balance on delivery of the full pack; if our analysis concludes your claim is not defensible, the pack says so plainly, sets out the least-damaging way to concede, and the deposit stands as the entire fee — the balance is waived. Prices are as published; we do not negotiate them, and nobody operating on our behalf is authorised to offer discounts.

6. Cancellation and refunds (consumers)

If you buy as a consumer, you have a 14-day right to cancel under the Consumer Contracts Regulations 2013. Because our services are performed quickly, when you send us your documents you are expressly requesting that we begin within the cancellation period; once the deliverable (for the service-charge review, your report) has been sent to you, the work is complete and the right to cancel it is lost. Cancel any time before your report is sent for a full, immediate refund of what you have paid. The challenge papers, where offered, are a separate purchase you choose to make only after reading your report. Refunds follow this published policy — they are honoured by rule, never argued about.

7. Your documents

Documents you send are used solely to produce your deliverable. We do not sell them, share them, or use them for marketing. We may keep them for up to six months to handle follow-up questions and complaints, then delete them; email us to have them deleted sooner. Anything published from delivered work (for example, guidance pages) is anonymised beyond recognition.

8. Instructions we won't take

Work inside regulated perimeters — benefit or insurance claims management, immigration matters, financial advice, conduct of litigation, acting as agent in probate — is declined and, where paid for in error, refunded. We also decline work we conclude we cannot do to the standard in section 4.

9. Liability

Nothing in these terms limits liability that cannot lawfully be limited. Otherwise, our total liability in connection with a service is limited to the fee paid for it. We are not liable for losses arising from decisions you take on matters where section 3 applies — the analysis informs your decision; it does not make it.

10. Complaints and law

Complaints to hello@greyledger.co.uk are read by the accountable human, not only the AI, and answered within five working days. These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction (consumers keep any mandatory protections of their home jurisdiction).