Last Updated: 24 January 2026
1. About These Terms
These Terms of Service (“Terms”) govern your use of MTD Landlord Services (“Service”), operated by MTD Landlord Services Ltd (“we”, “our”, “us”). By using our Service, you agree to be bound by these Terms.
2. Service Description
MTD Landlord Services is a software platform that helps UK landlords:
- Track rental income and expenses
- Calculate tax obligations under Making Tax Digital (MTD)
- Submit quarterly updates and annual returns to HMRC
- Manage property portfolios and co-ownership
3. Your Responsibilities
By using our Service, you agree to:
- Provide accurate information: All financial data, property details, and personal information you enter must be accurate and complete.
- Review before submission: You are responsible for reviewing all information before submitting to HMRC. Once submitted, returns cannot be easily amended.
- Maintain account security: Keep your login credentials secure and notify us immediately of any unauthorised access.
- Comply with tax law: You remain responsible for your tax obligations. Our Service is a tool to assist you, not a replacement for professional tax advice.
4. HMRC Submissions
When you use our Service to submit data to HMRC:
- You authorise us to act on your behalf via HMRC's API
- Submissions are made in your name using your HMRC credentials
- You are legally responsible for all submissions made through our Service
- We do not guarantee HMRC will accept your submissions - rejections may occur due to data errors or HMRC system issues
HMRC Connection Security:
- We store encrypted OAuth tokens (access and refresh tokens) to maintain your HMRC connection
- We never see or store your Government Gateway password - you authenticate directly with HMRC
- You can revoke our access at any time by disconnecting HMRC in your account settings
- Tokens are encrypted using AES-256-GCM encryption at rest
5. Not Tax Advice
Important: MTD Landlord Services is a software tool, not a tax adviser. We do not provide tax, legal, or financial advice. The calculations and submissions made through our Service are based on the information you provide. For complex tax situations, we recommend consulting a qualified accountant or tax professional.
6. Data and Privacy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your data.
- Your financial data is encrypted at rest and in transit (TLS 1.2+)
- HMRC OAuth tokens encrypted using AES-256-GCM with envelope encryption
- National Insurance Number (NINO) and MTD Tax ID encrypted at rest
- Bank connection tokens encrypted using the same standard
- We retain your data for 7 years to comply with HMRC record-keeping requirements
- You can export or delete your data at any time via account settings (subject to HMRC retention)
7. Bank Import Feature
If you choose to use our bank import feature:
- Bank connections are powered by Plaid, a regulated third-party service
- You authorise access directly with your bank through Plaid - we never see your banking login credentials
- We store only the last 4 digits of account numbers, not full account details
- Bank access tokens are encrypted using AES-256-GCM
- You can disconnect your bank at any time via account settings
- Imported transactions require your review and approval before being used for tax calculations
8. Service Availability
We strive to maintain high availability but cannot guarantee uninterrupted service. The Service may be unavailable due to:
- Scheduled maintenance (we will notify you in advance)
- HMRC API outages or maintenance
- Unforeseen technical issues
We recommend not leaving submissions until the last minute before HMRC deadlines.
9. Limitation of Liability
To the maximum extent permitted by law:
- We are not liable for any penalties, fines, or interest imposed by HMRC
- We are not liable for errors resulting from incorrect data you provide
- Our total liability is limited to the fees you have paid in the 12 months prior to the claim
10. Account Termination
You may close your account at any time. We may suspend or terminate your account if you:
- Breach these Terms
- Use the Service for fraudulent purposes
- Fail to pay applicable fees
11. Changes to Terms
We may update these Terms from time to time. We will notify you of significant changes via email or through the Service. Continued use after changes constitutes acceptance of the new Terms.
12. Governing Law
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
13. Contact Us
If you have questions about these Terms, please contact us: