Terms and conditions

SUM Finance ERP (“we”, “us”) provides this website and the accounting system behind it. We are not yet a registered company; if that changes, this page will name the entity.

By registering an organization or using the system you accept these terms. If you are doing so for a business, you confirm you are entitled to accept them on its behalf.

• Every new organization gets 3 months at no cost, counted from the day it registers.
• After that, one monthly subscription covers the whole organization — every module, every company and every user. There is no per-user charge and no setup fee.
• The current price is shown in your account, on the billing screen, beside the details needed to pay it. It is not quoted here so that the figure you are charged and the figure you are shown cannot differ.
• Payment is by bank transfer. You record the transfer in the system, we confirm it against our statement, and your access is extended.
• Access continues for 7 days after a paid period ends, because a transfer sent on a Friday does not clear on a Friday.
• If a period lapses beyond that, the organization is locked out of everything except signing in and the billing screen. Your data is not deleted — it waits.

We may change the price. If we do, we will tell you before it applies to you, and you are free to stop using the service rather than accept it.

What you record in the system is yours. We hold it to provide the service and do not use it for anything else — see the Privacy page.

You are responsible for the accuracy of your accounts. The system enforces double-entry and will refuse an unbalanced entry, but it cannot know whether an invoice reflects what was actually sold, or whether a payment was really received. Filing obligations, tax positions and audit requirements remain yours.

Where your books contain other people's personal information — your customers' names and contact details, for instance — you remain responsible for it and for having a lawful basis to hold it.

• Keep your password to yourself. Every action taken with your sign-in is attributed to you in the audit log.
• An administrator in your organization can grant, change and withdraw access, including setting a password for someone who has lost theirs — in which case that person is forced to choose their own on the next sign-in.
• Do not use the system to break the law, to store material you have no right to, or to attempt to reach another organization’s data.
• Do not attempt to overload or probe the service. If you want to test something, ask us and we will usually say yes.

Accountants may apply to be verified and trained on this system and to be matched with businesses that need one. It is free to join and we take nothing from what an accountant is paid.

We do not promise work. The network matches and introduces; a business decides who it engages, and an accountant decides which engagements to accept. Any certificate issued is a certificate on this system, not a professional accounting qualification.

We aim to keep the service up and we do not promise a particular uptime. It runs on infrastructure we rent, some of it on free tiers while the product is young, and it will occasionally be slow to wake or briefly unavailable while it is updated.

The service is provided as it is. We do not warrant that it is free of defects, and to the extent the law allows we are not liable for indirect or consequential loss — including lost profit or lost data — arising from its use. Nothing here limits liability that cannot lawfully be limited.

That is a plain statement of a young product's position rather than an attempt to disclaim everything: if something we do loses your data, tell us and we will do what we can to put it right.

You can stop at any time. Write to sumgroup10@gmail.com and we will close the organization, and delete its data if you ask us to. We do not refund part-months.

We may suspend or close an account that does not pay, that is used against these terms, or that puts the service or other customers at risk. Except where something is seriously wrong, we will tell you first and give you a chance to fix it.

Not yet stated. Rather than name a jurisdiction that may not be the right one, this clause is deliberately left open until the operating entity is settled, at which point this page will say which country's law applies and where disputes are heard.

In the meantime, if something goes wrong the first step is to write to us — most things are a misunderstanding and are settled that way.

If these terms change materially we will say so on this page and move the date at the top. Continuing to use the service after a change means accepting it. This version was last updated on 22 September 2026.