Terms and Conditions of Service

mybizopz Ltd

Version 1.0 — Effective Date: 4 April 2026

Company Number: 17125266

Registered Office: Suite 118, 21 Clarence Street, Staines-upon-Thames, TW18 4SU

IMPORTANT: PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE SERVICE. BY REGISTERING FOR AN ACCOUNT OR OTHERWISE ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU MUST NOT USE THE SERVICE.

1. Definitions and Interpretation

1.1 Definitions

In these Terms and Conditions (hereinafter referred to as these “Terms”), unless the context otherwise requires, the following expressions shall have the following meanings:

“Account” means the unique account created by or on behalf of the Customer upon registration with the Service, through which the Customer and its Authorised Users access and utilise the Platform;

“Applicable Data Protection Law” means (i) the UK General Data Protection Regulation (Regulation (EU) 2016/679 as it forms part of domestic law of the United Kingdom by virtue of the European Union (Withdrawal) Act 2018, as amended by the Data Protection, Privacy and Electronic Communications (Amendments etc) (EU Exit) Regulations 2019) (the “UK GDPR”); (ii) the Data Protection Act 2018; (iii) the Privacy and Electronic Communications (EC Directive) Regulations 2003; and (iv) any other applicable laws and regulations relating to the processing of Personal Data and privacy that may exist in any relevant jurisdiction, in each case as amended, re-enacted or replaced from time to time;

“API” means the application programming interface(s) made available by the Company as part of the Service, through which the Customer may programmatically access certain functionalities of the Platform;

“Authorised User” means any individual who is authorised by the Customer to access and use the Service pursuant to the Customer’s Account, including but not limited to the Customer’s employees, officers, directors, contractors, and agents, and including Minor Employees (as defined in Section 4.7) to the extent permitted thereunder;

“Bank Feed” means the automated electronic transmission of financial transaction data from the Customer’s bank or financial institution to the Platform via secure third-party data aggregation services;

“Business Day” means any day other than a Saturday, Sunday, or public holiday in England and Wales;

“Business Plan” means the subscription tier designated as “Business” on the Pricing Page, the features, limitations, and pricing of which are as described therein;

“Charges” means the subscription fees, per-employee charges, and any other amounts payable by the Customer to the Company in accordance with Section 6 of these Terms and the Pricing Page;

“Company”, “we”, “us”, or “our” means mybizopz Ltd, a company incorporated and registered in England and Wales under company number 17125266, whose registered office is at Suite 118, 21 Clarence Street, Staines-upon-Thames, TW18 4SU;

“Confidential Information” means all information (whether written, oral, visual, or electronic) disclosed by one party to the other party in connection with these Terms or the Service, which is designated as confidential or which, by its nature or the circumstances of its disclosure, ought reasonably to be regarded as confidential, including but not limited to business plans, technical data, product designs, trade secrets, know-how, financial information, customer lists, pricing information, and the terms of any agreement between the parties;

“Controller” has the meaning given to it in Applicable Data Protection Law;

“Customer”, “you”, or “your” means the legal entity or natural person who registers for and/or uses the Service, and who is identified as the account holder;

“Customer Data” means all data, information, content, records, files, documents, and materials (in any form or medium) that are submitted, uploaded, entered, stored, transmitted, or otherwise made available to or through the Platform by or on behalf of the Customer or any Authorised User in the course of using the Service, including but not limited to Personal Data, financial records, employee records, customer records, invoices, and documents;

“Customer Payment Provider” means a third-party payment processing service (including but not limited to Stripe, GoCardless, SumUp, Square, or any other provider supported by the Platform from time to time) that the Customer connects to its Account for the purpose of collecting payments from the Customer’s own customers, clients, or end users;

“Data Breach” means a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, Personal Data transmitted, stored, or otherwise processed;

“Data Subject” has the meaning given to it in Applicable Data Protection Law;

“Documentation” means the user guides, help articles, knowledge base content, API documentation, and any other instructional materials made available by the Company in relation to the Service, as updated from time to time;

“E-Sign” or “Electronic Signature” means an electronic indication of a person’s intent to agree to the content of a document or set of data to which the signature relates, executed through the Platform’s built-in electronic signature functionality;

“Effective Date” means 4 April 2026, or, for Customers who register after that date, the date upon which the Customer first creates an Account;

“Free Plan” means the subscription tier designated as “Free” on the Pricing Page, which is made available at no charge subject to the limitations described therein and in these Terms;

“HMRC” means His Majesty’s Revenue and Customs;

“ICO” means the Information Commissioner’s Office, the United Kingdom’s independent authority established to uphold information rights;

“Intellectual Property Rights” means all patents, rights to inventions, utility models, copyright and related rights, trade marks, service marks, trade, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, unfair competition rights, rights in designs, rights in computer software, database rights, topography rights, moral rights, rights in confidential information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights, and all similar or equivalent rights or forms of protection in any part of the world;

“Making Tax Digital” or “MTD” means HMRC’s programme requiring businesses to keep digital tax records and submit tax returns using MTD-compatible software;

“Malicious Code” means any software, code, file, or programme that is intentionally designed to disrupt, damage, or gain unauthorised access to a computer system, including but not limited to viruses, worms, Trojan horses, ransomware, spyware, and any other harmful or malicious code;

“Minor Employee” has the meaning given to it in Section 4.7;

“Normal Business Hours” means 09:00 to 17:30 (GMT/BST as applicable) on Business Days;

“PAYE” means Pay As You Earn, the system by which HMRC collects income tax and National Insurance contributions from employment;

“Personal Data” has the meaning given to it in Applicable Data Protection Law;

“Platform” means the Obzimo cloud-based software-as-a-service platform, accessible via the website at app.mybizopz.com and any associated mobile applications, APIs, and integrations;

“Pricing Page” means the webpage located at www.mybizopz.com/uk/pricing/ (or such successor URL as the Company may designate);

“Processing” (and “Process”, “Processed”, and “Processes”) has the meaning given to it in Applicable Data Protection Law;

“Processor” has the meaning given to it in Applicable Data Protection Law;

“Professional Plan” means the subscription tier designated as “Professional” on the Pricing Page;

“Rolling Measurement Period” means a continuous period of thirty (30) consecutive calendar days over which the Monthly Uptime Percentage is calculated as a rolling average;

“Service” means the provision of access to the Platform and all related services, support, maintenance, updates, and Documentation provided by the Company to the Customer under these Terms;

“Service Level Agreement” or “SLA” means the service availability and uptime commitments set out in Section 20 of these Terms;

“Stripe” means Stripe Payments Europe, Limited, or its affiliates, being the Company’s primary payment processor for the collection of Charges;

“Sub-processor” means any third party appointed by the Company to Process Personal Data on behalf of the Customer in connection with the Service;

“Subscription Period” means the period for which the Customer has subscribed to a paid plan, being either a monthly or annual billing cycle as selected by the Customer;

“Third-Party Services” means any third-party applications, software, services, or platforms that integrate with, connect to, or are otherwise used in conjunction with the Platform;

“VAT” means value added tax as provided for in the Value Added Tax Act 1994;

“Webhook” means an automated message or notification sent by the Platform to a specified external URL in response to a defined event or trigger within the Platform.

1.2 Interpretation

In these Terms, unless the context otherwise requires:

(a) references to “Sections” and “Schedules” are references to sections of, and schedules to, these Terms;

(b) references to any statute or statutory provision include any subordinate legislation made under that statute or statutory provision, and any modification, amendment, re-enactment, or replacement thereof;

(d) words importing the singular include the plural and vice versa, and words importing any gender include all genders;

(e) the words “include”, “includes”, “including”, and “in particular” shall be construed as being by way of illustration or emphasis only and shall not limit the generality of the preceding words;

(f) headings are for convenience only and shall not affect the interpretation of these Terms;

(g) a reference to a “person” includes any individual, firm, body corporate, association, partnership, government, or governmental agency;

(h) any obligation on a party not to do something includes an obligation not to allow that thing to be done;

(i) references to “pounds”, “sterling”, “GBP”, or “£” are to the lawful currency of the United Kingdom; and

(j) references to times of day are to Greenwich Mean Time (GMT) or British Summer Time (BST) as applicable.

2. About the Company

2.1 mybizopz Ltd is a company incorporated and registered in England and Wales under company number 17125266 with its registered office at Suite 118, 21 Clarence Street, Staines-upon-Thames, TW18 4SU. Obzimo is a product of mybizopz Ltd.

2.2 The Company operates the Obzimo Platform, an all-in-one cloud-based business management software-as-a-service solution designed for United Kingdom small and medium-sized enterprises, encompassing finance and accounting (including invoicing, expenses, bank reconciliation, general ledger, and MTD-ready VAT returns), human resources and people management (including employee records, rostering, PAYE payroll, time and attendance, and performance management), customer relationship management and sales (including contact management, sales pipelines, quotations with e-sign, and customer enquiry management), operations and inventory management (including product and service catalogues, stock ledger, procurement, and point-of-sale), project management and time tracking, and company administration (including document library, roles and permissions, and multi-location management).

2.3 The Platform is hosted on Amazon Web Services infrastructure located in the United Kingdom (AWS region eu-west-2, London) and is designed to comply with applicable United Kingdom regulatory requirements, including Making Tax Digital.

3. Acceptance of Terms

3.1 By creating an Account, accessing, or using the Service in any manner, the Customer agrees to be bound by and to comply with these Terms in their entirety. These Terms constitute a legally binding agreement between the Customer and the Company.

3.2 Where the Customer is a business entity, the individual accepting these Terms on behalf of the Customer represents and warrants that he or she has full legal authority to bind the Customer to these Terms.

3.3 These Terms shall be deemed accepted on the earlier of: (a) the date on which the Customer clicks “I agree”, “Sign up”, or any similar button or mechanism indicating acceptance; (b) the date on which the Customer first accesses or uses the Service; or (c) the date on which the Customer first submits Customer Data to the Platform.

3.4 The Company reserves the right to refuse registration or access to the Service to any person or entity at its sole and absolute discretion.

4. Eligibility and Account Registration

4.1 The Service is available only to persons who are at least eighteen (18) years of age and who possess the legal capacity to enter into binding contracts under the laws of England and Wales, except as expressly provided in Section 4.7 below.

4.2 The Customer shall provide accurate, current, and complete information during the registration process and shall maintain and promptly update such information to keep it accurate, current, and complete.

4.3 The Customer shall be responsible for safeguarding the confidentiality of all Account credentials, including usernames and passwords, and shall not disclose such credentials to any third party.

4.4 The Customer acknowledges and agrees that it shall be solely responsible for all activities that occur under its Account, whether or not authorised by the Customer.

4.5 Each Account is allocated to a single legal entity. The Customer shall not create multiple Accounts for the purpose of circumventing plan limitations, usage restrictions, or the Charges applicable under these Terms.

4.6 The Company may, at its reasonable discretion, require the Customer to provide additional verification of identity or authority.

4.7 Minor Employees

(a) Notwithstanding the general age restriction set out in Section 4.1, the Customer may grant access to the Platform to individuals aged sixteen (16) or seventeen (17) years of age (“Minor Employees”), provided that all of the following conditions are satisfied:

(i) the Minor Employee is a bona fide employee, apprentice, or worker of the Customer;

(ii) the Minor Employee’s access to the Platform is limited to the use of the Service for its intended purpose, namely: managing their work responsibilities, utilising team and company communication features, accessing rostering and scheduling, viewing and managing their own HR and payroll data, and completing timesheets and tasks assigned to them;

(iii) the Minor Employee shall not be granted Account Administrator, Account Owner, or any equivalent role conferring the ability to enter into financial commitments, approve expenditure, execute contracts, manage other users’ Personal Data, or bind the Customer to any obligation;

(iv) the Customer has obtained all necessary consents required under Applicable Data Protection Law;

(v) the Customer has conducted an appropriate risk assessment in accordance with its obligations under the Management of Health and Safety at Work Regulations 1999; and

(vi) the Customer accepts full and sole responsibility and liability for the Minor Employee’s use of the Platform and compliance with these Terms.

(b) For the avoidance of doubt, no person under the age of sixteen (16) shall be permitted to access or use the Platform in any capacity, and no person under the age of eighteen (18) shall be permitted to register as a Customer or Account holder.

(c) The Company reserves the right to require the Customer to provide evidence of compliance with the conditions set out in this Section 4.7 and to suspend or terminate any Minor Employee’s access to the Platform if the Company reasonably believes that such conditions are not being met.

5. Subscription Plans and Service Tiers

5.1 The Service is offered under three (3) subscription tiers, namely: (a) the Free Plan; (b) the Professional Plan; and (c) the Business Plan.

5.2 Free Plan

(a) The Free Plan is available at no charge and permits the Customer to register up to five (5) Authorised Users (employees) on the Account.

(b) The Free Plan includes core features across all modules, including but not limited to: invoicing and expense tracking; one (1) sales pipeline with up to two hundred and fifty (250) contacts; human resources and leave management; up to five (5) active projects with time tracking; general ledger and VAT calculation; document library storage of up to five hundred megabytes (500MB); up to one hundred (100) products and fifty (50) services in the catalogue; three (3) fixed user roles; and email support during Normal Business Hours.

(c) The Free Plan is provided on a “free forever” basis, subject to the Company’s right to modify, suspend, or discontinue the Service in accordance with Section 26.

(d) The Free Plan does not include PAYE payroll, MTD-ready VAT return submission to HMRC, automatic bank feed import, custom roles and permissions, API access, webhooks, white-label documents, multi-currency invoicing, or priority support.

5.3 Professional Plan

(a) The Professional Plan is a paid subscription tier charged at the rate of three pounds (£3.00) per active employee per month (exclusive of VAT), subject to a minimum monthly charge of fifteen pounds (£15.00) (exclusive of VAT), and is available for Accounts with between six (6) and fifty (50) Authorised Users.

(b) The Professional Plan includes all features of the Free Plan, together with: PAYE payroll and payslip generation with RTI submissions and P60/P45 generation; MTD-ready VAT returns and direct HMRC submission; automatic bank feed import; custom roles and permissions (RBAC); multi-currency invoicing; API access and webhooks; white-label documents; unlimited contacts, pipelines, products, services, projects, and recurring invoices; document storage of up to five gigabytes (5GB); full audit trail history; and priority chat and email support during Normal Business Hours.

5.4 Business Plan

(a) The Business Plan is a paid subscription tier charged at the rate of five pounds (£5.00) per active employee per month (exclusive of VAT), subject to a minimum monthly charge of fifty pounds (£50.00) (exclusive of VAT), and is available for Accounts with an unlimited number of Authorised Users.

(b) The Business Plan includes all features of the Professional Plan, together with: unlimited business locations; budget tracking and forecasting; custom financial dashboards; three hundred and sixty degree (360°) feedback and workforce analytics; bulk import and data migration assistance; document storage of up to twenty-five gigabytes (25GB); a dedicated account manager; telephone support during Normal Business Hours; custom onboarding and training; and a Service Level Agreement in accordance with Section 20.

(c) Volume discounts may be available for Business Plan customers with more than fifty (50) employees, subject to agreement with the Company’s sales team.

5.5 Annual Billing Discount

Customers who elect annual billing shall receive a discount of twenty per cent (20%) on the applicable per-employee monthly rate. Annual billing is charged in a single upfront payment for the entirety of the twelve-month Subscription Period.

5.6 Charity and Non-Profit Discount

Registered United Kingdom charities and non-profit organisations shall be entitled to a discount of twenty-five per cent (25%) on all paid plans, upon verification of their charity registration number by the Company.

5.7 Startup Graduation Offer

First-time upgraders from the Free Plan to the Professional Plan shall be entitled to a discount of fifty per cent (50%) on the Professional Plan Charges for the first three (3) months following upgrade (the “Startup Graduation Discount”). The Customer shall have a seven (7) day grace period following the addition of its sixth Authorised User in which to complete the upgrade.

6. Charges and Payment Terms

6.1 The Customer shall pay the Charges applicable to its selected subscription tier. All Charges are exclusive of VAT, which shall be added at the prevailing rate (currently twenty per cent (20%)) where applicable.

6.2 Charges are calculated on the basis of active employees on the Customer’s Account. Employees who have been archived or terminated within the Platform shall not be counted towards the active employee total for billing purposes.

6.3 The Company’s primary payment processor for the collection of Charges is Stripe. Payment of Charges shall be made by one of the following methods: (a) credit or debit card (Visa, Mastercard, American Express) processed via Stripe; (b) direct debit processed via Stripe; or (c) for annual Business Plan subscriptions, by invoice with payment due within thirty (30) days of the invoice date.

6.4 The Customer acknowledges that payments processed via Stripe are subject to Stripe’s terms of service and privacy policy, and the Company shall not be liable for any acts, omissions, errors, or outages attributable to Stripe or any other third-party payment processor.

6.5 Monthly subscriptions shall be charged in advance on the same date each calendar month. Annual subscriptions shall be charged in advance on the anniversary of the commencement of the Subscription Period.

6.6 If any Charges remain unpaid after the due date, the Company reserves the right to: (a) charge interest on the overdue amount at the rate of four per cent (4%) per annum above the base rate of the Bank of England; (b) suspend the Customer’s access to all or part of the Service until payment is received; and/or (c) terminate the Customer’s Account in accordance with Section 22.

6.7 The Company may increase the Charges upon not less than thirty (30) days’ prior written notice to the Customer.

6.8 All payments are non-refundable, except as expressly set out in these Terms or as required by applicable law.

6.9 Where the Customer upgrades its subscription during a Subscription Period, the additional Charges shall be prorated for the remainder of that billing cycle and charged immediately.

7. Customer Payment Provider Integrations

7.1 The Platform enables Customers to connect their own third-party payment processing accounts (“Customer Payment Providers”) for the purpose of collecting payments from the Customer’s own customers, clients, or end users.

7.2 The Customer acknowledges and agrees that: (a) the relationship between the Customer and its Customer Payment Provider is a direct contractual relationship between those two parties; (b) the Customer is solely responsible for selecting an appropriate Customer Payment Provider and complying with its terms; (c) the Company does not hold, receive, or transmit any funds on behalf of the Customer; (d) the Company shall not be liable for any failure, delay, error, or dispute in the processing of payments by the Customer Payment Provider; and (e) the Company may add, modify, or remove support for Customer Payment Providers at any time upon thirty (30) days’ prior written notice.

7.3 Where the Customer connects a Customer Payment Provider to the Platform, the Customer authorises the Company to transmit such transaction data, invoice data, and customer contact information as is reasonably necessary to facilitate the payment processing integration. Such data shall be transmitted via secure, encrypted channels (TLS 1.2 or above).

8. Licence Grant and Access Rights

8.1 Subject to the Customer’s compliance with these Terms and payment of the applicable Charges, the Company hereby grants to the Customer a non-exclusive, non-transferable, non-sublicensable, revocable, limited licence to access and use the Service during the term of these Terms, solely for the Customer’s internal business operations.

8.2 The licence granted under Section 8.1 extends to Authorised Users nominated by the Customer, provided that the total number of Authorised Users does not exceed the limit applicable to the Customer’s subscription tier.

8.3 The Customer shall ensure that each Authorised User complies with these Terms and shall be liable for any breach of these Terms by any Authorised User.

8.4 The Customer shall not, and shall procure that its Authorised Users shall not, share Account credentials between individuals. Each Authorised User shall have a unique login.

9. Acceptable Use and Restrictions

9.1 The Customer shall use the Service only for lawful purposes and in accordance with these Terms. The Customer shall not, and shall procure that its Authorised Users shall not:

(a) use the Service for any purpose that is illegal, fraudulent, or harmful;

(b) use the Service to store, transmit, or distribute any Malicious Code;

(d) attempt to gain unauthorised access to the Platform or other Accounts;

(e) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform;

(f) copy, modify, adapt, translate, or create derivative works based on the Platform;

(g) sublicence, sell, resell, lease, rent, loan, distribute, or otherwise make the Service available to any third party;

(h) use the Service in any manner that could damage, disable, overburden, or impair the Platform;

(i) use any automated means (including bots, scrapers, or spiders) to access the Platform, except through the API;

(j) use the Service to send unsolicited bulk communications (spam);

(k) remove, alter, or obscure any proprietary notices on any part of the Platform;

(l) benchmark, test the performance of, or conduct competitive analysis on the Service without the Company’s prior written consent; or

(m) use the Service in any manner not expressly authorised by these Terms.

9.2 The Company reserves the right to investigate any suspected breach and to immediately suspend or terminate the Customer’s access to the Service without notice if a breach is confirmed or reasonably suspected.

10. Customer Data and Data Ownership

10.1 As between the Company and the Customer, the Customer shall own all right, title, and interest in and to the Customer Data.

10.2 The Customer hereby grants to the Company a non-exclusive, worldwide, royalty-free licence to use, copy, store, transmit, display, and process the Customer Data solely to the extent necessary to provide the Service.

10.3 The Customer represents and warrants that: (a) it has all necessary rights, consents, and authorisations to submit the Customer Data to the Platform; (b) the Customer Data does not infringe the rights of any third party; and (c) the Customer Data does not violate any applicable law.

10.4 The Company shall implement appropriate technical and organisational measures to protect the Customer Data.

10.5 The Customer acknowledges that the Company may generate anonymised, aggregated, and/or de-identified statistical data (“Aggregated Data”) for the purposes of improving the Service, conducting research, and producing industry benchmarks. The Company shall own all right, title, and interest in such Aggregated Data.

11. Data Protection and Data Processing Addendum

11.1 Roles and Scope

(a) The parties acknowledge that, for the purposes of Applicable Data Protection Law, in respect of the Processing of Personal Data contained within the Customer Data: the Customer shall be the Controller, and the Company shall be the Processor.

(b) This Section 11 constitutes the Data Processing Addendum (“DPA”) between the parties and is incorporated into and forms part of these Terms.

11.2 Processing of Personal Data

(a) The Company shall Process Personal Data only on documented instructions from the Customer, unless required to do so by applicable law.

(b) The subject matter, duration, nature, and purpose of the Processing, the types of Personal Data Processed, and the categories of Data Subjects are as set out in the Terms.

11.3 Confidentiality and Personnel

The Company shall ensure that all persons authorised to Process Personal Data under this DPA have committed themselves to confidentiality or are under an appropriate statutory obligation of confidentiality.

11.4 Security Measures

The Company shall implement appropriate technical and organisational measures including: (i) encryption of Personal Data in transit (TLS 1.2 or above) and at rest (AES-256 or equivalent); (ii) measures to ensure ongoing confidentiality, integrity, availability, and resilience of Processing systems; (iii) the ability to restore availability and access in a timely manner; (iv) regular testing and evaluation of security measures; (v) hosting on AWS infrastructure in the United Kingdom (eu-west-2, London); (vi) daily backups with point-in-time recovery; (vii) role-based access controls; (viii) logging and monitoring; and (ix) adherence to OWASP security best practices.

11.5 Sub-processors

The Customer provides general authorisation to the Company to engage Sub-processors, subject to maintaining a current list, imposing data protection obligations no less onerous than this DPA, and remaining fully liable. The Company shall inform the Customer of any intended changes concerning Sub-processors by not less than fourteen (14) days’ written notice.

11.6 Data Subject Rights

The Company shall assist the Customer by appropriate technical and organisational measures in fulfilling the Customer’s obligation to respond to Data Subject requests.

11.7 Data Breach Notification

The Company shall notify the Customer without undue delay (and in any event within seventy-two (72) hours) after becoming aware of a Data Breach affecting the Customer’s Personal Data.

11.8 Data Protection Impact Assessments

The Company shall provide reasonable assistance to the Customer with any data protection impact assessments and prior consultations with the ICO.

11.9 International Transfers

The Company shall not transfer or Process Personal Data outside the United Kingdom without appropriate safeguards. As at the Effective Date, all Customer Data is Processed and stored within the United Kingdom (AWS region eu-west-2, London).

11.10 Audit Rights

The Company shall make available all information reasonably necessary to demonstrate compliance with this DPA and shall allow for audits upon thirty (30) days’ prior written notice.

11.11 Data Return and Deletion

Upon termination, the Company shall, at the Customer’s election: (a) return the Customer Data in a commonly used, machine-readable format; and/or (b) delete all Customer Data in its possession, except where retention is required by applicable law.

12. Confidentiality

12.1 Each party undertakes that it shall not at any time during the term of these Terms or for a period of five (5) years after their termination, disclose to any person any Confidential Information of the other party, except as permitted by this Section 12.

12.2 The Receiving Party may disclose Confidential Information: (a) to those of its employees, officers, directors, agents, contractors, and professional advisers who need to know such information; and (b) as may be required by law.

12.3 No party shall use the other party’s Confidential Information for any purpose other than the performance of its obligations under these Terms.

12.4 The obligations of confidentiality shall not apply to information that: (a) is or becomes publicly known; (b) was already known to the Receiving Party; (c) is lawfully received from a third party; or (d) is independently developed.

13. Intellectual Property Rights

13.1 All Intellectual Property Rights in the Platform, the Service, the Documentation, and all updates, modifications, enhancements, and derivative works thereof are and shall remain the exclusive property of the Company or its licensors.

13.2 The Company name “Obzimo”, the Obzimo logo, and all related names, logos, product and service names, designs, and slogans are trade marks of the Company or its affiliates.

13.3 The Customer hereby assigns to the Company all right, title, and interest in and to any Feedback provided regarding the Service.

14. Finance and Accounting Module

14.1 The Platform provides finance and accounting functionality. The Customer acknowledges and agrees that: (a) these features are tools and not a substitute for professional accounting advice; (b) the Customer remains solely responsible for the accuracy of all financial data; (c) the Company does not provide accounting, tax, or financial advice; and (d) the Customer shall independently verify all financial outputs.

15. Making Tax Digital and VAT

15.1 The Platform offers Making Tax Digital (MTD) functionality, including the preparation and direct submission of VAT returns to HMRC, available to Customers on the Professional Plan and the Business Plan.

15.2 The Customer remains solely and exclusively responsible for: (i) ensuring that its VAT records are complete, accurate, and up to date; (ii) reviewing and approving all VAT returns before submission; (iii) submitting VAT returns within applicable deadlines; and (iv) complying with all obligations under the Value Added Tax Act 1994.

15.3 The Company shall use commercially reasonable endeavours to maintain the Platform’s MTD compatibility but does not warrant uninterrupted or error-free connectivity to HMRC systems.

16. Payroll and Human Resources Module

16.1 The Platform provides PAYE payroll processing functionality (available on paid plans), including automatic tax and National Insurance calculations, payslip generation, pension auto-enrolment, RTI submissions to HMRC, P60 and P45 generation. The Customer acknowledges that: (a) the Customer remains the employer of record and is solely responsible for all employment-related obligations; (b) the Company does not provide employment law or HR advice; (c) the Customer is solely responsible for the accuracy of all payroll input data; (d) the Company shall not be liable for any penalties or fines arising from the Customer’s failure to comply with its statutory obligations; and (e) the Customer is responsible for verifying the accuracy of P60 and P45 documents.

16.2 The Human Resources module includes employee record management, organisational chart, leave management, performance reviews, time and attendance tracking, shift planning and rostering, team communications, and an employee self-service portal.

16.3 Where the Customer processes payroll data for Minor Employees, the Customer shall ensure compliance with the Children and Young Persons Act 1933 and the Working Time Regulations 1998.

17. API Access and Webhooks

17.1 Subject to the Customer’s subscription to a paid plan, the Company shall provide the Customer with access to the API and Webhook functionality in accordance with the Documentation.

17.2 The Customer shall comply with rate limits, usage quotas, and authentication requirements. The Customer shall not use the API to build a product or service that is substantially similar to, or competitive with, the Service. The Company may deprecate API versions upon ninety (90) days’ notice.

17.3 The API Documentation is available at such URL as the Company may designate from time to time.

17.4 The Company shall not be liable for any loss arising from the Customer’s misuse of the API or bugs in Customer-built integrations.

18. Electronic Signatures

18.1 The Platform includes built-in electronic signature functionality, enabling the Customer, its Authorised Users, and third-party signatories to execute documents electronically.

18.2 Electronic signatures executed through the Platform are intended to constitute valid electronic signatures for the purposes of English law, as established by the Electronic Communications Act 2000, the retained eIDAS Regulation, and the common law. The Platform produces a simple (or “standard”) electronic signature. The Company maintains a comprehensive audit trail for each transaction.

18.3 The Customer is responsible for: (a) determining whether an electronic signature is appropriate and legally sufficient for any given document; (b) ensuring certain documents that require specific formalities are not executed solely by electronic signature; (c) verifying the identity and authority of signatories; and (d) retaining copies of signed documents.

18.4 The Company does not warrant that electronic signatures will be recognised, valid, or enforceable in any jurisdiction outside England and Wales.

19. Third-Party Services and Integrations

19.1 The Service may integrate with or provide access to Third-Party Services, including bank feed providers, the HMRC Government Gateway, Stripe, and Customer Payment Providers.

19.2 The Customer acknowledges that: (a) the Company does not control Third-Party Services; (b) the Customer’s use is subject to those third parties’ terms; (c) the Company shall not be liable for any loss arising from Third-Party Services; and (d) the Company may add, modify, or remove integrations upon reasonable notice.

20. Document Storage and Library

20.1 The Platform provides a document library subject to the storage limits of the Customer’s subscription tier (500MB Free, 5GB Professional, 25GB Business).

20.2 The Customer shall not upload content that infringes rights, contains Malicious Code, is unlawful, or exceeds the storage limit.

20.3 The Company reserves the right to scan uploaded files for Malicious Code and to reject or remove any files that violate these Terms.

21. Service Availability and Service Level Agreement

21.1 General Availability

The Company shall use commercially reasonable endeavours to make the Service available twenty-four (24) hours a day, seven (7) days a week, except for planned and unplanned maintenance.

21.2 No Guarantee of Uninterrupted Service

The Company does not guarantee that the Service will be uninterrupted, error-free, or free from vulnerabilities.

21.3 Service Level Agreement (Business Plan Only)

Customers on the Business Plan are entitled to platform availability of not less than 99.9% (“Uptime Commitment”), calculated as a rolling average over thirty (30) consecutive calendar days. Service credits shall be the Customer’s sole and exclusive remedy for any failure to meet the Uptime Commitment.

22. Support Services

22.1 The Company shall provide technical support as follows: (a) Free Plan: email support during Normal Business Hours, target response time of two (2) Business Days; (b) Professional Plan: priority email and chat support, target response time of one (1) Business Day; and (c) Business Plan: priority email, chat, and telephone support, target response time of four (4) business hours, together with a dedicated account manager.

22.2 Support services do not include professional accounting, tax, legal, or HR advice; customisation; support for Third-Party Services; or support for the Customer’s own systems.

22.3 Response times are targets and are not guaranteed.

23. Term, Termination, and Suspension

23.1 Term

These Terms shall continue in force until terminated. Paid subscriptions automatically renew unless either party gives written notice of non-renewal at least fourteen (14) days before the end of the Subscription Period.

23.2 Termination by the Customer

The Customer may terminate its paid subscription at any time. Termination shall take effect at the end of the then-current Subscription Period, with no refund for the remainder.

23.3 Termination by the Company

The Company may terminate these Terms immediately upon written notice if: (a) the Customer commits a material breach and fails to remedy it within fourteen (14) days; (b) the Customer breaches Section 9; (c) the Customer fails to pay Charges for fourteen (14) days; (d) the Customer becomes insolvent; (e) the Customer’s use poses a security risk; or (f) required by law.

23.4 Suspension

The Company may suspend the Customer’s access without notice if the Company reasonably believes that the Account is being used in breach of these Terms, poses a security risk, is required by law, or any Charges are overdue.

23.5 Effects of Termination

Upon termination: (a) access to the Service shall immediately cease; (b) Customer Data shall be available for export for thirty (30) days; (c) outstanding Charges shall be due immediately; (d) each party shall return or destroy Confidential Information; (e) Sections 1, 6, 10, 11, 12, 13, 20, 24, 25, 26, 29, and 31 shall survive; and (f) termination shall be without prejudice to accrued rights.

24. Warranties and Disclaimers

24.1 The Company warrants that: (a) it has the legal right and authority to enter into these Terms; (b) the Service shall be provided with reasonable care and skill; and (c) the Platform shall perform materially in accordance with the Documentation.

24.2 The Customer warrants that: (a) it has the legal right and authority to enter into these Terms; (b) it shall comply with all applicable laws; (c) all Customer Data is accurate, lawful, and does not infringe third-party rights; and (d) it has obtained all necessary consents.

24.3 EXCEPT AS EXPRESSLY SET OUT IN THESE TERMS, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. The Company is not a firm of accountants, solicitors, tax advisers, or HR consultants, and the Service does not constitute professional advice of any kind.

25. Limitation of Liability

25.1 Nothing in these Terms shall limit or exclude either party’s liability for: (a) death or personal injury caused by its negligence; (b) fraud or fraudulent misrepresentation; (c) any liability which cannot be limited or excluded by applicable law; or (d) the Customer’s obligation to pay the Charges.

25.2 Subject to Section 25.1, the Company shall not be liable for any: loss of profits, sales, business, revenue, agreements or contracts, anticipated savings, goodwill, data, or any indirect or consequential loss.

25.3 The Company’s total aggregate liability shall not exceed the greater of: (a) the total Charges paid during the twelve (12) months preceding the event giving rise to the claim; or (b) one hundred pounds (£100.00).

26. Indemnification

26.1 The Customer shall indemnify, defend, and hold harmless the Company from and against any and all claims arising out of or in connection with: (a) the Customer’s breach of these Terms; (b) the Customer Data; (c) the Customer’s violation of any applicable law; (d) any act or omission of an Authorised User; (e) any penalties or fines imposed by regulatory authorities; and (f) any claim arising from the Customer’s use of a Customer Payment Provider integration.

27. Modifications to These Terms and the Service

27.1 The Company reserves the right to modify these Terms at any time upon not less than thirty (30) days’ prior written notice of material changes.

27.2 The Customer’s continued use of the Service after the effective date of modified Terms shall constitute acceptance of such modifications.

27.3 Non-material changes may be made without prior notice.

27.4 The Company reserves the right to modify, enhance, update, or discontinue any feature of the Service at any time.

28. Force Majeure

28.1 Neither party shall be liable for any failure or delay in performing its obligations (other than the obligation to pay Charges) resulting from circumstances beyond the reasonable control of that party (a “Force Majeure Event”).

28.2 The affected party shall promptly notify the other party and use all reasonable endeavours to mitigate the effects of the Force Majeure Event.

28.3 If a Force Majeure Event continues for more than ninety (90) consecutive days, either party may terminate these Terms by giving thirty (30) days’ written notice.

29. Governing Law and Dispute Resolution

29.1 These Terms shall be governed by and construed in accordance with the laws of England and Wales.

29.2 The parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction.

29.3 Nothing in these Terms shall prevent either party from seeking interim or injunctive relief in any court of competent jurisdiction.

29.4 Prior to commencing court proceedings, the parties shall endeavour in good faith to resolve any dispute through negotiation.

30. General Provisions

30.1 Assignment. The Customer shall not assign its rights or obligations without the Company’s prior written consent. The Company may assign or transfer its rights to any affiliate or successor entity.

30.2 Severability. If any provision is found invalid, the other provisions shall remain in full force and effect.

30.3 Waiver. No failure or delay in exercising any right shall operate as a waiver. A waiver shall only be effective if given in writing.

30.4 Entire Agreement. These Terms (together with the Pricing Page and Documentation) constitute the entire agreement between the parties.

30.5 Third Party Rights. No third party shall have any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of these Terms.

30.6 Notices. Notices shall be delivered by email, first-class post, or hand delivery.

30.7 Relationship of the Parties. Nothing in these Terms shall be construed as creating a partnership, joint venture, agency, or employment relationship between the parties.

30.8 Non-Solicitation. During the term and for twelve (12) months following termination, neither party shall directly or indirectly solicit for employment any employee of the other party who has been materially involved in the performance of these Terms.

30.9 Compliance with Laws. Each party shall comply with all applicable laws and regulations, including the Bribery Act 2010, the Modern Slavery Act 2015, and all applicable anti-money laundering legislation.

31. Consumer Rights and Statutory Protections

31.1 Where the Customer is a consumer, nothing in these Terms shall affect the Customer’s statutory rights under the Consumer Rights Act 2015.

31.2 Where the Customer is a consumer entering into these Terms at a distance, the Customer shall have the right to cancel within fourteen (14) days of the Effective Date (the “Cooling-off Period”) without giving any reason.

31.3 The right of cancellation shall not apply where the Customer has expressly consented to the Service commencing during the Cooling-off Period.

32. Complaints Procedure

32.1 If the Customer has a complaint, the Customer should contact the Company at legal@mybizopz.com.

32.2 The Company shall acknowledge receipt within two (2) Business Days and shall endeavour to resolve the complaint within fourteen (14) Business Days.

33. Contact Information

mybizopz Ltd

Suite 118, 21 Clarence Street

Staines-upon-Thames, TW18 4SU

United Kingdom

Company Number: 17125266

Email: legal@mybizopz.com

Website: www.mybizopz.com