The deal, in plain
English.

1 - Who we are and what you're agreeing to

These Terms of Service ("Terms") form a contract between you and MBKR Limited, a company registered in England and Wales with company number 11943274, trading as Sonuswealth ("we", "us"). By creating an account, joining the waitlist, or using Sonuswealth in any way, you agree to these Terms.

If you don't agree, don't use the service. If you stop agreeing, cancel and delete your account.

2 - What Sonuswealth is

Sonuswealth is an information and guidance service that helps UK tax-resident households model their financial life. It pulls together your accounts, applies UK (and Indian, for NRI users) tax and estate rules, projects forward across decades, and answers plain-English questions about your specific position.

What Sonuswealth is not:

• Not an FCA-regulated financial adviser. We are not authorised under the Financial Services and Markets Act 2000. We do not give regulated advice.
• Not a product seller. We do not sell pensions, ISAs, insurance, mortgages, or any other financial product. No commissions, no referral fees.
• Not a custodian. We do not hold your money or assets. We hold a picture of them.
• Not a tax-return filing service. We do not file returns with HMRC or the Indian Income Tax Department. Output from Sonuswealth can be given to your accountant for filing.
• Not a substitute for professional advice. Where your situation is complex, you should consult an FCA-authorised IFA, a tax adviser, or a qualified solicitor.

3 - Information vs regulated advice - the line

Under FSMA 2000 and FCA rules, "advice" means a personal recommendation to a specific person about a specific transaction in a specific regulated product. We do not do that.

Sonuswealth gives you:

• Information: facts about UK tax rules, allowance thresholds, IHT bands, BPR, etc., applied to your numbers.
• Modelling: what your position looks like under different scenarios, with assumptions disclosed.
• Guidance: general considerations that apply to your situation, framed as "things to consider" or "options you have", never as recommendations.

Sonuswealth does not give you:

• Personal recommendations to buy, sell, hold, transfer, draw down, gift, or restructure any specific financial product.
• Suitability assessments under FCA COBS rules.
• "You should do X" statements about regulated activities.

Every Sonu (Ask) reply includes a visible indicator that the response is information and guidance, not regulated advice. If you need a regulated recommendation, see an FCA-authorised IFA. The FCA Register is at register.fca.org.uk.

4 - Your account

• You must be 18 or over and UK tax resident (or fall within our supported NRI / cross-border categories) to use Sonuswealth.
• You're responsible for keeping your account credentials safe. Don't share them. If you suspect compromise, change your password and email us.
• You agree the data you upload is yours to upload - your accounts, your household, with permission from any joint holder.
• One account per individual. Household sharing (linking a partner) is allowed and free.

5 - Subscription, payment, and refunds

• Free trial for every account: 30 days, full product, no card required, no auto-charge.
• Founding members (first 100 sign-ups): a 90-day trial instead of 30, and the £5 price locked for the life of their subscription.
• Standard pricing: one plan at £5/month, billed monthly, with every feature included. An annual option is planned but not available yet. A public-sector discount (NHS, schools, armed forces, other public bodies) is planned for launch year; the exact discount will be announced when it ships. B2B pricing in the pricing page.
• Cancellation: any time, in-app, immediate or end-of-cycle (your choice). No exit fee, no clawback, no retention games.
• Refunds: full refund within the first 30 days of paid subscription.
• VAT: household pricing is inclusive of UK VAT. Business customers receive VAT invoices.
• Payment processor: Stripe. We do not hold or store your card details.

6 - Acceptable use

You agree not to:

• Use Sonuswealth for any unlawful purpose, including money laundering, tax evasion, or fraud.
• Upload data that doesn't belong to you (e.g. someone else's accounts without their consent).
• Attempt to reverse-engineer, scrape, or extract our engine, code, or content for resale.
• Use automated bots or scripts to interact with the service beyond ordinary browser use.
• Resell, sublicence, or repackage Sonuswealth output as your own commercial advice service.
• Misrepresent your profession for the public-sector discount.

We can suspend or terminate accounts that violate these rules, with notice where practical and without notice where the violation is severe. Your data export remains available for 30 days post-termination.

7 - Limitations of liability (read this)

Sonuswealth is a software service running calculations on the data you give us. We work hard to make the engine correct against UK tax and estate rules. We are not infallible. Tax rules change, edge cases exist, assumptions matter.

To the maximum extent permitted by law:

• We do not warrant that Sonuswealth's output will be free of errors, complete, or fit for any specific tax-planning purpose.
• You should treat Sonuswealth's output as one input to your decisions, alongside professional advice for complex situations.
• We are not liable for any financial loss, tax penalty, or missed opportunity arising from your reliance on Sonuswealth's output, except where such loss arises from our gross negligence, wilful misconduct, fraud, or breach of duties we cannot lawfully exclude.
• Our total aggregate liability to you under these Terms in any 12-month period is limited to the greater of (a) £100 or (b) the fees you paid us in the prior 12 months.
• Nothing in these Terms excludes our liability for death or personal injury caused by negligence, or for fraud.
• Nothing in these Terms removes your statutory rights as a UK consumer under the Consumer Rights Act 2015.

8 - Data and privacy

How we collect, use, share, and protect your data is set out in our Privacy Policy, which forms part of these Terms. Read it.

Key commitments: we don't sell your data, we don't train third-party AI on it, you can export and delete it at any time, and your data stays in the UK.

9 - Intellectual property

• The Sonuswealth name, logo, mascot, engine, and software are owned by MBKR Limited. You receive a personal, non-exclusive licence to use the service while your subscription is active.
• Your data and the outputs computed from it remain yours. You can export and use them however you like.
• You don't get a licence to redistribute, resell, or rebrand Sonuswealth or its outputs.

10 - Service availability

We aim for high uptime but do not guarantee uninterrupted service. Planned maintenance is communicated in advance. Unplanned outages are restored as quickly as we can. Your data is backed up daily; in the worst case you lose up to 24 hours of changes.

11 - Changes to the service or these Terms

We may change the service (add features, retire features, change pricing) and these Terms. Material changes are notified to active subscribers by email at least 30 days in advance. If a change is materially adverse to you, you can cancel with a pro-rata refund.

12 - Termination

You can terminate any time via in-app settings or by emailing us. Your access ends at the end of your current paid period (unless you request immediate termination). Your data is available for export for 30 days post-termination, then deleted.

We can terminate your account for breach of these Terms (see Section 6), non-payment, or where we are required to by law or regulator.

13 - Governing law and disputes

These Terms are governed by the laws of England and Wales. Any dispute that can't be resolved informally is subject to the exclusive jurisdiction of the courts of England and Wales.

If you're a consumer resident outside England and Wales, mandatory consumer protection laws of your country still apply.

14 - Contact

Questions about these Terms: mihir@sonuswealth.com.

UK postal: MBKR Limited, 32 Oakfield Avenue, Birstall, Leicester LE4 3DQ.