Terms, privacy & contact

WhatMargins ("we", "us") provides online tools that help independent live sellers record sales, stock and expenses and estimate profit. By creating an account you agree to these terms. You must be 18 or over and use the service for your own selling business.

What the service is: WhatMargins is record-keeping and estimating software. It is not an accountancy, tax, legal or financial advice service. Figures are calculated automatically from the reports, costs and fee rates you provide and from published rate tables that can change (for example Whatnot fees, VAT and HMRC allowances). We work hard to keep them accurate but cannot guarantee they are complete, current or error-free. Check important figures before relying on them.

Your data and your decisions: you are responsible for the accuracy of what you upload or enter, and for every buying, pricing, spending and tax decision you make. Tools such as Buy or Pass, profit reports and tax estimates are guides only. You confirm you have the right to upload the files you add and that they contain no card details or other sensitive personal data.

Keep your own records: WhatMargins is a working tool, not a legal archive. Keep your own copies of original receipts, invoices and platform reports for as long as the law requires (HMRC usually expects at least 5 years after the filing deadline). We aim to keep the service available and your data safe, but we do not promise uninterrupted access and you should export your records regularly.

Fair use: no attempts to access other people's accounts, bypass plan limits, copy or resell the service, upload unlawful content or overload the system. We may suspend or close accounts that do. We may change or improve features over time.

Limits on our liability: to the extent the law allows, we are not liable for loss of profit, revenue, stock value, business, opportunity or goodwill, for tax, interest or penalties charged to you, or for any indirect or consequential loss, arising from your use of or reliance on the service. Our total liability to you for all claims is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or any other liability that cannot be limited under UK law, and your statutory consumer rights are unaffected.

WhatMargins is independent and is not affiliated with, endorsed by or sponsored by Whatnot Inc. "Whatnot" is a trademark of its owner and is used only to describe compatibility with its sales reports. If any part of these terms is found unenforceable, the rest still applies. We may update these terms and will show the new date above; continuing to use the service means you accept the update. These terms are governed by the laws of England and Wales.

Tax-year summaries, HMRC box guides, allowance comparisons, income-tax estimates and exports are automatic estimates for information and record-keeping only. We are not accountants, tax advisers or an HMRC agent, and nothing we show is a tax return, certified accounts or professional advice.

Exported files are unaudited drafts to help you or your accountant prepare a return. Your tax position depends on your circumstances — check HMRC guidance or a qualified accountant before filing. You alone are responsible for the accuracy of anything you submit to HMRC and for any tax, interest or penalties due.

The Free plan has monthly limits shown on our pricing section. Founding testers may get a 7-day Premium trial with no card required; when it ends the account returns to Free unless you subscribe. Your data is kept either way.

Premium is billed monthly or yearly in advance through our payment provider, Stripe, and renews automatically until cancelled. Prices include any applicable VAT shown at checkout. You can cancel any time from Settings → Manage billing; you keep Premium until the end of the period you've paid for and won't be charged again.

Under UK consumer law you normally have 14 days to cancel a digital service. Because Premium starts immediately when you subscribe, you agree that the service begins straight away; if you cancel within 14 days of your first payment, email us and we'll consider a refund, which may be reduced for the time used. Faulty-service rights are unaffected.

Who we are: WhatMargins is the data controller for your account. Contact: WhatMargins@gmail.com.

What we collect: your email address and login details; the sales reports, stock, purchase and expense records you add; plan and billing status (a Stripe customer reference — we never see or store full card numbers); feedback you send; and basic activity such as sign-up date, last sign-in and number of uploads.

Why: to provide the service you signed up for (contract), to keep it secure, fix problems and understand how features are used (legitimate interests), and to meet legal and accounting duties. We use activity counts — not your costs, profits or buyer details — to improve the product and offer help. We don't sell your data or use advertising trackers.

Who processes it: our hosting and database provider (Lovable Cloud) and Stripe for payments. Some providers may process data outside the UK under recognised safeguards such as standard contractual clauses.

How long: while your account is open. If you ask us to close your account we delete your records within 30 days, except billing records we must keep for tax law (usually 6 years).

Your rights: you can ask to access, correct, export or delete your data, or object to how we use it, by emailing WhatMargins@gmail.com. You can also complain to the Information Commissioner's Office (ico.org.uk).

Cookies: we only use strictly necessary storage to keep you signed in and remember display preferences on your device, so no cookie banner is needed.

Questions, billing help, data requests or complaints: WhatMargins@gmail.com. Signed-in sellers can also use "Give feedback" in the app menu. We aim to reply within 2 working days.