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KLO Small Business Accounts

Terms of use

Effective date: 10 November 2026

These terms are between KLO Technical Services Limited, trading as KLO Development Services, company number 16105032, registered office 23 Brook Road, Bomere Heath, Shrewsbury, Shropshire, SY4 3PU ("KLO", "we"), and you, the business that uses KLO Small Business Accounts ("the app").

If you got the app from the App Store or through TestFlight, Apple's own terms for those also apply. These terms add to them.

What the app is

The app keeps a small UK business's books on iPhone, iPad and Mac, and on the web page in a web browser: sales and invoices, purchases and receipts, the bank's cash book, mileage, VAT returns and the year's figures for a limited company or a sole trader.

  • On the web page, your books are kept in that browser and, while you are signed in to your KLO account, on the account too, encrypted with your passphrase. Another browser opens them with your KLO account and the same passphrase. Earlier versions are kept for a year, as the privacy statement explains. Keep an export too: if you forget the passphrase, nobody can open them.

  • KLO can't read your books. Its only server holds your KLO account (your email address and whether you are subscribed) and the web page's encrypted copy, which KLO can't open. The privacy statement explains where everything is kept.

Sending VAT returns to HMRC

The app can send your VAT return to HMRC under Making Tax Digital. You connect it to HMRC once, in Settings › HMRC, by signing in on HMRC's own page. Then you send each quarter from its VAT summary, once you have approved it.

  • You make the declaration. Before a return is sent, you confirm it is true and complete.
  • A sent return is final. HMRC holds it, and the app keeps its receipt and locks the quarter. A mistake is put right on a later return or by telling HMRC, as HMRC's rules say.
  • You stay responsible for your return: its figures, sending it on time, and paying the VAT.

Sending to HMRC is in the iPhone, iPad and Mac app; the web page doesn't send returns yet.

The app doesn't file corporation tax, Self Assessment, payroll (RTI) or Companies House returns.

It isn't advice

The app's figures, categories, tax estimates, reminders and AI suggestions help you keep your books. They aren't tax, accounting or legal advice. You stay responsible for checking them, for what you file and pay, and for meeting your deadlines. If you are unsure, ask an accountant.

Who sells

The app and its subscription are sold by KLO Technical Services Limited, trading as KLO Development Services, registered in England and Wales, company number 16105032, 23 Brook Road, Bomere Heath, Shropshire, SY4 3PU. Email: [email protected].

What you get

Without a subscription you can open the app and read your books, print them, export them and back them up, set up new books and restore from a backup, but not change them. A subscription lets you add and change records. One subscription is for one person, under one email address, and works in the app on Mac, iPhone and iPad and on the web page. The app is for your own business's use.

Price, payment and renewal

  • £9.99 a month or £99 a year. Prices include VAT.
  • In the app, the App Store may offer a 14-day free trial before the first payment; it is shown on the subscription screen before you subscribe, and cancelling during it costs nothing.
  • Bought on the web page, payment is taken by Stripe; bought in the app, by Apple, under Apple's terms. We never see your card details.
  • The subscription renews automatically at the end of each month or year, at the price then shown, until you cancel. We will tell you by email at least 30 days before any price rise.

Cancelling

  • Web: Settings › KLO account › Manage subscription › Cancel. App Store: your Apple Account's Subscriptions settings.
  • Cancelling stops the next renewal. Editing stays open until the end of the period you have paid for; after that the app and page become read-only again. Your books are not deleted.

Your right to cancel within 14 days

If you are a consumer and subscribe on the web, you may cancel within 14 days of your first payment and get a full refund: email [email protected]. After that you can cancel future renewals at any time (see Cancelling). Purchases in the app follow Apple's refund policy. For a fault, email us and we will put it right or refund you as the law requires.

Your books

  • Your books are yours. You are responsible for what you put in them, and for keeping a backup: Settings › Backup › Export the books… makes one.
  • Keep your PIN safe. KLO can't see or reset it.

The AI

  • It is off until you turn it on in Settings and enter your own Anthropic key.
  • It uses that key, so the cost of using it, and the terms it is used under, are between you and Anthropic.
  • The AI can be wrong. A figure read off a receipt or a suggested category is for you to check.

Availability and changes

  • It depends on other services. Syncing between devices uses your iCloud, the AI is run by Anthropic, and VAT returns go to HMRC's systems. KLO doesn't control those services and can't promise they will always be available.
  • We may improve the app. A change won't take away your books: they stay on your devices.
  • Tax rates and rules change. We aim to update the app when they do, but check the rates it uses against HMRC's.

Liability

  • Nothing in these terms limits liability for:
    • death or personal injury caused by negligence;
    • fraud;
    • anything else that can't be limited by law.
  • KLO isn't liable for:
    • loss of profit, revenue, business or goodwill;
    • indirect or consequential loss;
    • penalties, interest or tax arising from a return or payment you made;
    • loss or corruption of data you didn't back up.
  • Otherwise, KLO's total liability for all claims in any 12 months is limited to what you paid for the app and its subscription in those 12 months.

Changes to these terms

If these terms change, the new version is put on this page with its date.

Law

These terms are governed by the law of England and Wales, and its courts deal with any dispute.

Contact

KLO Development Services, 23 Brook Road, Bomere Heath, Shrewsbury, Shropshire, SY4 3PU. Email: [email protected].