Version 2026-07-21
These terms are a legal agreement between you and Capstone Software Ltd ("we", "us")
for your use of the Graft mobile app, website and related services (the
"Service"). By creating an account or using the Service you agree to them. If
you do not agree, do not use the Service.
Graft is a **record-keeping and bookkeeping tool** for self-employed people in
the UK construction industry. It helps you record income, expenses, mileage
and CIS deductions, produce invoices, and prepare figures for Making Tax
Digital and Self Assessment.
Graft is **not** an accountant, tax adviser or financial adviser, and using it
is **not** a substitute for professional advice. Estimates, tax positions,
refund figures and pot suggestions shown in the app are **guidance only**,
generated automatically from the information you enter. They are not a
statement of your actual tax liability and are not a promise of any refund.
You should have your figures checked by a qualified accountant and confirm
your final tax position with HMRC before relying on it.
enter, and for the figures on any invoice, tax return or submission you
produce or send using the Service.
**submitting and paying** your taxes on time. Where Graft helps you submit
to HMRC, it does so on your instruction using the information you have
provided; the submission remains **yours**.
your account has been accessed without your permission.
reverse-engineer it, resell it, or use it to store or send anything unlawful.
Graft provides an invoice **template** and calculates CIS and VAT figures from
what you enter. We are **not a party** to any invoice, contract or payment
between you and your customer, and we are not responsible for whether you are
paid. You are responsible for the correctness of each invoice, including your
own business details, UTR, VAT status and the amounts charged.
The Service connects to third parties on your instruction — for example HMRC,
Xero, banking providers and payment processors. Your use of those services is
governed by their own terms. We are not responsible for their availability,
acts or omissions.
We work to keep the Service available and accurate but provide it **"as is"**
and **"as available"**, without warranties of any kind to the fullest extent
the law allows. We do not warrant that the Service will be uninterrupted,
error-free, or that any figure it produces is correct for your circumstances.
Nothing in these terms limits liability that cannot be limited by law
(including for death or personal injury caused by negligence, or for fraud).
Subject to that, and to the fullest extent permitted by law:
figures you relied on, from an incorrect or late submission or payment, or
from information you entered incorrectly or failed to enter. Responsibility
for your tax affairs remains yours.
revenue, data or goodwill.
limited to the amount you paid us for the Service in the 12 months before
the claim arose.
Nothing in the Service is regulated financial advice, and Graft does not hold
or move your money.
Any subscription fees, free-trial terms and renewal dates are shown in the app
before you pay. You can cancel at any time; cancellation stops future billing
and takes effect at the end of the current paid period. Fees already paid are
non-refundable except where the law requires otherwise.
We process your personal data as described in our Privacy Policy. You keep
ownership of the data you enter. You can export your records and can ask us to
delete your account.
We may update the Service and these terms. If we make a material change we
will tell you and, where appropriate, ask you to accept the updated terms.
Continuing to use the Service after a change means you accept it.
You may stop using the Service and close your account at any time. We may
suspend or end your access if you break these terms or use the Service in a
way that risks harm to others or to us.
These terms are governed by the law of England and Wales, and the courts of
England and Wales have exclusive jurisdiction, unless mandatory local law
where you live provides otherwise.
Capstone Software Ltd — support via the app or the website contact page.