Terms of Service

Last updated: 11 September 2026

1. What these terms cover

These terms are the agreement between Costcreep Ltd (company number 17369484) ("CostCreep", "we") and the business that opens an account ("you"). They cover the CostCreep application and website. If you connect accounting data or upload supplier information, the Data Processing Agreement forms part of this agreement. You must be acting for a business — the service is not for consumers.

2. The service

CostCreep checks your supplier invoices against your own buying history and any agreed rates you provide, identifies likely overcharges and unused credits, prepares evidence, drafts challenges for you to review, edit and send yourself from your own email, and matches credit notes back to findings. CostCreep communicates with a supplier itself only where you enable that, and section 4 then applies. Accounting connections are read-only: we can read your bills; we cannot create, change or pay anything, and we never move money.

3. Findings are indications, not determinations

A finding means your data shows a pattern worth querying. It is not an accusation, a legal claim, or a guarantee that money is owed — a flagged increase may turn out to have been agreed. Figures such as "identified" describe what the data shows; only sums matched to a credit note in your accounts are ever described as recovered. All figures in the service, including annualised estimates, are generated automatically from your data and depend on its accuracy and completeness; they may contain errors, and you must review each finding — including its figures — before relying on it or approving a challenge based on it. We do not guarantee any level of findings or recovery, the accuracy of any individual finding, and CostCreep does not provide accounting, legal or financial advice.

4. Acting on your behalf

Where you approve a challenge (or enable automatic sending within limits you set), you authorise CostCreep to communicate with your suppliers as a declared cost-review function acting for your business, and you confirm you're entitled to grant that authority. In turn we commit that every such email: identifies your business and states the relationship; never impersonates you or any real or invented person; goes only to the supplier's accounts contact; contains no threats and no reference to withholding payment; carries an invitation to correct us if something was agreed; and is copied to you. You are responsible for reviewing the content and figures of each challenge before approving it (and for the limits you set on any automation you enable), for the accuracy of instructions you give (for example, confirming a price was agreed), and you remain responsible for your relationships with your suppliers.

5. Your data

Your business data is yours. You grant us the licence needed to operate the service on it — and nothing more: we don't sell it, share it with other customers, or use it for cross-customer benchmarking without your separate, explicit consent. You can export everything we hold at any time, and deletion works as described in the DPA. You're responsible for having the right to connect the data you connect.

The service itself — the software, its design, detection logic, documentation and everything in it other than your data — is owned by us or our licensors. While subscribed you have a non-exclusive, non-transferable right to use it for your own business (or, under a written adviser agreement, for your clients). No other rights are granted.

6. Accounts and acceptable use

Keep your credentials secure and your account information accurate; you're responsible for what's done under your account by people you've given access to. Don't attempt to access another customer's data, probe or disrupt the service, use it to send unlawful or harassing communications, or resell it without a written adviser agreement.

7. Fees

Plans and prices are as published or as agreed with you in writing, billed monthly in advance, plus VAT where applicable. The look-back over your last 12 months is free. We may change prices with at least 30 days' notice, taking effect at your next billing period. During any pilot period marked as unbilled, no fees are due. Features marked beta, pilot or early access are provided as-is, may change or be withdrawn, and are excluded from any availability commitment.

8. Availability and changes

We aim to keep the service available continuously but don't promise uninterrupted operation, and we may improve or change features provided we don't materially reduce the core service you're paying for. We'll give notice of material changes.

9. Liability

Nothing in these terms excludes or limits liability that can't be excluded or limited by law, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

Subject to that: (a) we are not liable for loss of profits, revenue, business, goodwill or anticipated savings; loss of anticipated recoveries; loss or corruption of data or software; business interruption; or any indirect or consequential loss, in each case whether arising in contract, tort (including negligence), breach of statutory duty or otherwise, and whether or not foreseeable; (b) we are not liable for the consequences of any communication to a supplier that you approved, or that was sent under an automation policy you enabled and within its limits, provided we complied with section 4; (c) we are not liable for decisions taken in reliance on findings or figures, which are indications only (section 3); and (d) our total aggregate liability under or in connection with this agreement, from all causes combined, in any 12-month period is capped at the total fees you actually paid us in that period.

You indemnify us against costs, claims and losses arising from instructions you gave that were inaccurate or that you weren't entitled to give, from data you connected without the right to do so, and from your breach of section 6.

10. Ending the agreement

You can cancel at any time, effective at the end of the current billing period. We can suspend or end the agreement on notice if you materially breach it and don't fix it within 14 days, or immediately for serious misuse or non-payment. On ending: sending stops, you keep access to export for 30 days, and deletion then follows the DPA. Sections that by nature survive (3, 5, 9, 11) survive.

11. General

These terms are governed by the law of England and Wales, and its courts have exclusive jurisdiction. If part of these terms is found unenforceable the rest stands. These terms plus the DPA and your plan details are the entire agreement, and neither of us relies on anything outside them (except where made fraudulently). We may update these terms with at least 30 days' notice for material changes; continued use after that means the update applies.

Neither of us is liable for failure caused by events outside reasonable control (including outages of third-party platforms we connect to), provided reasonable steps are taken to resume. You may not assign this agreement without our written consent; we may assign it to a successor of the business on notice. Except as expressly stated in section 4, nothing here creates a partnership or general agency. No one other than the parties has rights under the Contracts (Rights of Third Parties) Act 1999. Formal notices go to the email addresses on the account, and to legal@costcreep.co.uk for us, and are effective on delivery.