Terms of Service

These Terms of Service ("Terms") govern your use of Accrue ("the Service"), a web-based options trading tracker provided by Accrue ("we", "us", "our").

By creating an account and using Accrue, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.

These Terms constitute a legally binding agreement between you and Accrue. Please read them carefully.

What Accrue Provides

Accrue is a record-keeping and reporting tool for UK-based investors trading options (particularly the Wheel Strategy). The Service helps you:

• Record options trades (cash-secured puts, covered calls)
• Track share acquisitions and disposals
• Calculate realised gains and losses
• Generate HMRC-aligned tax reports
• Monitor portfolio performance and income metrics

What Accrue Does NOT Provide

• Trading execution or brokerage services
• Investment advice or recommendations
• Tax advice or tax preparation services
• Financial planning or wealth management
• Guarantees of accuracy for tax purposes

To use Accrue, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Provide accurate and truthful information during registration
• Comply with all applicable laws and regulations

You may not use the Service if you are prohibited from receiving services under the laws of the United Kingdom or any other applicable jurisdiction.

Account Creation

You must create an account to use Accrue. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

Your Responsibilities

• Provide accurate, current, and complete information
• Keep your password secure and confidential
• Notify us immediately of any unauthorised access
• Use the Service only for lawful purposes
• Not share your account with others

Account Termination

We reserve the right to suspend or terminate your account if you breach these Terms, engage in fraudulent activity, or use the Service in a manner that harms us or other users.

Free Trial

New users receive a 7-day free trial with full access to all features. No payment information is required to start the trial. You may cancel at any time during the trial without being charged.

Paid Subscription

After the trial, Accrue costs £19.99 per month. The subscription renews automatically each month unless you cancel.

Payment Processing

Payments are processed securely through Stripe. We do not store your full credit card information. By subscribing, you authorise Stripe to charge your payment method on a recurring monthly basis.

Billing Cycle

Your subscription begins when your free trial ends (or immediately if you skip the trial). You will be charged monthly on the same day each billing cycle.

Price Changes

We may change subscription prices at any time. Existing subscribers will be notified at least 30 days in advance. Price changes apply to renewals after the notice period. If you do not agree to a price increase, you may cancel your subscription.

How to Cancel

You may cancel your subscription at any time through the Account Settings page. Cancellation takes effect at the end of your current billing period.

Access After Cancellation

You will retain access to Accrue until the end of your paid billing month. After that, your account becomes read-only.

Data Retention

We retain your data for 90 days after cancellation in case you wish to reactivate. After 90 days, your data is permanently deleted unless you request earlier deletion. See our Privacy Policy for details.

Refund Policy

We do not offer refunds for partial months. If you cancel mid-cycle, you will have access until the end of that billing period but will not be refunded for unused days. Refunds may be issued at our sole discretion in exceptional circumstances.

You agree to:

• Use the Service only for its intended purpose (tracking your own trades)
• Enter accurate trade information to the best of your ability
• Verify all reports and calculations before using them for tax or legal purposes
• Comply with all applicable laws, including UK tax regulations

You agree NOT to:

• Use the Service for illegal activities or fraudulent purposes
• Attempt to gain unauthorised access to our systems
• Reverse engineer, decompile, or disassemble any part of the Service
• Share your account credentials with others
• Use automated tools (bots, scrapers) without our written consent
• Transmit viruses, malware, or other harmful code
• Impersonate others or misrepresent your affiliation
• Violate any third-party rights (intellectual property, privacy, etc.)

Your Responsibility

You are solely responsible for:

• The accuracy of data you enter into Accrue
• Verifying all reports and calculations before submission to HMRC
• Ensuring compliance with all applicable tax laws and regulations
• Seeking advice from a qualified accountant or tax adviser
• Filing accurate and timely tax returns

No Guarantees

We make no guarantees that the Service will meet your specific tax reporting needs or that the calculations are error-free. Tax rules change frequently, and individual situations vary. Always consult a qualified professional before making tax-related decisions.

Our Rights

The Service, including all software, designs, text, graphics, and other content, is owned by Accrue and protected by UK and international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Service for your personal use.

Your Data

You retain all rights to the data you enter into Accrue (your trade records, portfolio information, etc.). By using the Service, you grant us a licence to process and store this data solely for the purpose of providing the Service to you.

Service Provided "As Is"

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure.

No Liability for Damages

To the fullest extent permitted by law, Accrue and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Tax penalties or interest charges resulting from errors
• Business interruption or loss of opportunity
• Damages resulting from use or inability to use the Service

Maximum Liability

Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim (or £100, whichever is greater).

You agree to indemnify, defend, and hold harmless Accrue and its directors, employees, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your breach of these Terms
• Your violation of any law or third-party rights
• Any inaccurate information you provide

Right to Modify

We reserve the right to modify, suspend, or discontinue the Service (or any part of it) at any time, with or without notice. We may add or remove features, change functionality, or update the user interface as we see fit.

Downtime and Maintenance

We may perform scheduled or emergency maintenance that temporarily makes the Service unavailable. We will attempt to provide advance notice when possible, but are not liable for any downtime.

Service Termination

If we decide to permanently discontinue the Service, we will provide at least 30 days' notice and offer you the ability to export your data before the shutdown.

We may update these Terms from time to time to reflect changes in our practices, legal requirements, or business operations. Material changes will be communicated via email or a prominent notice on our website.

Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and cancel your subscription.

The "Last updated" date at the top of this page indicates when these Terms were last modified.

Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

Jurisdiction

Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Dispute Resolution

Before pursuing legal action, we encourage you to contact us at support@accrue.uk to resolve any disputes informally. Most issues can be resolved through good-faith communication.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Accrue regarding the Service, superseding any prior agreements.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms or your account to any third party without our written consent. We may assign our rights and obligations under these Terms to any third party without restriction.

If you have questions about these Terms of Service, please contact us: