We watched self-employed tradespeople, hairdressers and dog walkers spend hours on paperwork that should take minutes. Sage and Xero were built for office finance teams — not someone covered in paint at the end of a long day.

So we built Earnd. Say it. It's sorted. You've earnd it.

An invoice is created automatically when payment is collected

Earnd ("we", "us", "our") is a cloud-based bookkeeping and tax management service for UK self-employed individuals and small businesses, operated by Earnd Ltd (Company No. [TBC]), registered in England and Wales.

By creating an account or using the Earnd app, you agree to these Terms. If you do not agree, you must not use the service.

Earnd provides voice-activated invoice creation, job tracking, expense management, Making Tax Digital submissions, Self Assessment preparation, VAT return submission and contactless payment collection — depending on your subscription plan.

Earnd is a software-assisted accounting service, not a regulated accountancy firm. For complex tax matters we recommend seeking advice from a qualified accountant.

All plans include a 30-day free trial with full Pro access. No payment details are required during the trial. The first paid month is free on all plans.

• Earnd Core — £15/month
• Earnd Plus — £40/month
• Earnd Pro — £55/month
• Earnd Partner — £55/month + £20/month per partner
• Earnd Limited — priced on application

Annual billing saves 10% — 11 months charged, 12 months access. We reserve the right to change prices with 30 days' written notice.

You may cancel at any time from Settings. Cancellation takes effect at the end of the current billing period. We do not offer partial-month refunds except where required by law.

• Provide accurate information and keep it up to date
• You are responsible for the accuracy of figures entered into Earnd
• Keep your login credentials secure
• Must be a UK resident operating as a UK sole trader, partnership or limited company
• Must not use Earnd for any unlawful purpose

Earnd's total liability shall not exceed the total fees paid by you in the 12 months preceding the claim. We are not liable for HMRC penalties arising from inaccurate information you have provided.

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

• Account data — name, email, mobile, business name
• Tax data — UTR, VAT number, CIS status, income and expense figures
• Bank data — read-only transactions via Open Banking (no card numbers or credentials stored)
• Usage data — voice transcripts (processed and discarded), app usage patterns
• Payment data — billing history (processed by Stripe — no card details stored by us)

• To provide the Earnd service and process HMRC submissions
• To communicate about your account, deadlines and updates
• To improve the app using anonymised usage data
• To comply with AML and other legal obligations

We will never sell your data to third parties. Ever.

• Right of access — request a copy of all data we hold
• Right to rectification — correct inaccurate data
• Right to erasure — request deletion (subject to legal retention requirements)
• Right to portability — export your data at any time
• Right to object — object to processing for direct marketing

To exercise these rights, contact privacy@earnd.uk. We will respond within 30 days.

All data is stored on UK-based servers, encrypted in transit (TLS 1.2+) and at rest (AES-256). We retain your data for 7 years after account closure to meet HMRC record-keeping requirements.

• In transit — TLS 1.2+ on all connections
• At rest — AES-256 on all stored data, backups and file storage
• Backups — encrypted daily to geographically separate UK data centres

• Biometric (Touch ID / Face ID) or 6-digit PIN
• 90-day re-authentication for inactive sessions
• Step-up authentication for HMRC and bank settings
• Staff access requires multi-factor authentication
• Customer data access restricted to need-to-know with full audit logging

• All data stored on UK-based servers
• No customer data transferred outside the UK or EEA without consent
• Vulnerability scanning monthly · penetration testing annually

Bank connections are via FCA-regulated Open Banking providers. Earnd has read-only access to transaction data. We cannot initiate payments or access account credentials. Bank credentials are never stored by Earnd.

In the event of a data breach we will: contain within 24 hours, notify the ICO within 72 hours where required, notify affected customers without undue delay.

To report a security vulnerability email security@earnd.uk. We operate a responsible disclosure policy and acknowledge within 48 hours.

All card processing is handled by Stripe, a PCI DSS Level 1 certified payment processor. Earnd never stores, processes or transmits raw card data.

Earnd Ltd is registered with HMRC as an Accountancy Service Provider (ASP) under the Money Laundering Regulations 2017. We are required to conduct customer due diligence, monitor for suspicious activity, report to the NCA via Suspicious Activity Reports, and maintain records for a minimum of 5 years.

Before providing services we verify: full legal name, date of birth, residential address, business name and nature of trade, and UTR number cross-referenced with HMRC records.

We reserve the right to refuse or suspend service where due diligence cannot be satisfactorily completed.

We monitor for indicators of money laundering including unexplained large cash transactions, inconsistent income patterns and requests to manipulate financial records.

We are legally prohibited from informing a customer that a Suspicious Activity Report has been filed.

Earnr customers receiving commission payments above £[threshold] per year are subject to enhanced due diligence. Identity verification is required before commission payments are made.

Earnd Ltd has a zero-tolerance approach to modern slavery, human trafficking, forced labour and child labour in all its forms. We are committed to acting ethically in all our business relationships.

Earnd is a UK software business. Our supply chain consists primarily of technology service providers, cloud infrastructure suppliers and professional services firms — all assessed for modern slavery risk.

• Technology suppliers — established, regulated providers who maintain their own modern slavery policies
• Development contractors — must confirm Modern Slavery Act compliance as a condition of engagement
• Staff — employed under UK employment law, paid at or above the National Living Wage

Anyone who suspects modern slavery in connection with Earnd should contact compliance@earnd.uk or the Modern Slavery Helpline on 0800 0121 700.

Reports can be made anonymously. Whistleblowers are protected under our Whistleblowing Policy.

• session_id — keeps you logged in. Expires when you close the app.
• auth_token — secure authentication token. Expires after 90 days of inactivity.
• csrf_token — security token to prevent cross-site request forgery. Session only.
• cookie_consent — records your preferences. 12-month expiry.

• _earnd_analytics — anonymised usage data to help us improve the app. No personal data. 12-month expiry. Opt out in Settings → Privacy.

• Advertising or targeting cookies
• Social media tracking pixels
• Third-party analytics that track you across other sites

Stripe (our payment processor) may set cookies when you make or receive payments. These are governed by Stripe's Privacy Policy. We do not control these cookies.

• In-app — Settings → Help & support
• Email — complaints@earnd.uk
• WhatsApp — [number]
• Post — Complaints, Earnd Ltd, [Address]

Please include your name, account email, a description of the issue and any reference numbers.

• Acknowledgement — within 2 business days
• Investigation — full response within 10 business days
• Resolution — explanation of what went wrong and any remedy offered

• ICO — for data protection complaints: ico.org.uk or 0303 123 1113
• Citizens Advice — citizensadvice.org.uk
• HMRC — for complaints about tax filings: gov.uk/complain-about-hmrc

• Customer (Tier 1) — you and your referred friend each receive one free month when they subscribe to a paid plan
• Earnr (Tier 2) — unlocks automatically at 5 qualifying referrals. 10% monthly commission on each referred customer's active subscription, for 2 years from their sign-up date
• Affiliate Earnr (Tier 3) — by invitation from Earnd only. 15% lifetime commission. Governed by a separate Affiliate Agreement.

A referral qualifies when the new customer signs up via your unique link, completes their 30-day trial, and makes their first subscription payment. Trial sign-ups that do not convert do not count.

• Calculated monthly based on active subscriptions from your referrals
• 2-year window runs from each referral's sign-up date — not from when you became an Earnr
• On your 5th referral a retroactive lump sum is paid covering commission on referrals 1–4 from their sign-up dates to today
• Paid to your registered UK bank account by the 15th of the following month
• If a referred customer cancels, commission pauses and resumes if they resubscribe within their 2-year window

Commission is paid gross. It is taxable income in the UK and must be declared on your Self Assessment return. Earnd will provide an annual commission statement by 5 April each year.

• Creating fake or duplicate accounts
• Self-referral under a different identity
• Misrepresenting Earnd's services in referral communications
• Spam or unsolicited contact

Breach will result in immediate removal from the programme and forfeiture of unpaid commission.