Cookies that sign you in and keep your session need no consent. Choose what else we may use. Privacy Policy
Last updated: 5 September 2026
Heed ("Heed", "the Service", "we", "us", "the Company") provides a software and information subscription together with the human research services described in section 3. By accessing or using the Service you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, you may not use the Service.
You must be at least 18 years old and able to form a legally binding contract to use the Service. By using Heed you represent that you meet these requirements and that the information you provide is accurate.
Heed is an information and research platform that monitors international tax-law changes and provides informational tools including tax rankings, change feeds, alerts, residency tracking, scenario comparisons including a business exit planner, position analysis, company-structure comparisons, the Tax Situation Roast and the Incorporation Roast, and an AI research assistant. The Service surfaces and organises information. Heed holds no client funds, executes no transactions, and files nothing on your behalf.
Human research services. Some plans include work done by people: an annual review, a written relocation brief reviewed and signed by us, private briefings or Concierge support. These are research and management-consultancy services that organise and explain information for you. They are not tax, legal, accounting, investment or financial advice, they create no adviser-client relationship, and the Company does not act as a tax agent, does not represent you before any tax or government authority, and does not prepare or file returns.
Heed provides general information for educational and informational purposes only. Nothing on the Service constitutes financial, investment, legal, accounting, or tax advice, and nothing is a personal recommendation or solicitation to take or refrain from any action.
You acknowledge and agree that:
Information on Heed is aggregated and derived from public and third-party sources and from automated and AI-assisted processing. It is provided "as is" and may contain errors, delays, gaps, or omissions, and may not be current or complete. The Company makes no warranty as to the accuracy, reliability, completeness, or timeliness of any information, and you agree not to rely on the Service as your sole basis for any decision.
AI-generated output. Several features, including Ask Heed, position analysis, scenario comparisons and parts of our change feed, are generated by artificial-intelligence systems. You are interacting with an AI system and not with a human adviser. AI output can be wrong, incomplete, or out of date. Verify figures against primary sources before you act.
You are responsible for your own tax and financial decisions.
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must provide accurate registration information and notify us promptly of any unauthorised use.
You agree not to: (a) use the Service for any unlawful purpose or in breach of any applicable law or sanctions regime; (b) scrape, harvest, or bulk-extract data, or use automated means to access the Service except via features we provide; (c) resell, redistribute, or commercially exploit the Service or its data without our written consent; (d) reverse-engineer, interfere with, or attempt to gain unauthorised access to the Service or its security; (e) upload unlawful content or personal data you have no right to share; or (f) misrepresent your identity or eligibility. We may investigate and act on suspected violations.
Certain features require a paid subscription. Billing is handled by our payment processor, Stripe. Paid plans renew automatically for successive periods at the then-current price unless cancelled before the renewal date; you can cancel at any time from your account settings and retain access until the end of the paid period already paid for. We will tell you in advance of any price change affecting your renewal. For plans with a term of one year or more, we email you a reminder before the renewal date; you can cancel from your account settings at any time before it.
Taxes. Where we are required to charge value-added tax, goods-and-services tax, or a similar consumption tax on your subscription, the applicable amount is calculated and shown at checkout before you pay, and the total you confirm is the total you are charged.
Right of withdrawal (consumers in the EU, the UK, and other jurisdictions granting an equivalent right). You have 14 days to withdraw from a distance contract for digital services. At checkout you ask us to begin straight away and acknowledge that you lose that right once we have fully performed. If you withdraw after we have begun but before the period ends, you may be charged a proportionate amount for what you received. To withdraw, write to support@heed.finance.
Refund policy. Except where a mandatory statutory right applies, fees are non-refundable and your plan stays active until the end of the period you paid for. Billing errors, such as a duplicate charge, are investigated and corrected when confirmed. Billing queries: support@heed.finance.
Ask Heed credits. Paid plans include a monthly allocation of Ask Heed credits that resets on your billing date. Unused credits from the monthly allocation do not roll over. Credits from top-up packs you buy separately do not expire while your plan is active. Credits have no cash value, cannot be transferred, and are not refunded on cancellation. We may adjust allocations with notice.
Referrals. Where we run a referral programme, rewards (such as a free month or a fast-tracked Circle application) are granted only for genuine new members who remain paying customers for the qualifying period. Rewards have no cash value and cannot be exchanged for payment. We may withhold or revoke rewards, and suspend accounts, where we reasonably believe a referral is self-referral, fraudulent, automated, or otherwise abusive, and we may change or end the programme at any time with notice.
Advisor-tier users may enter and manage data relating to their own clients. Where you enter personal data about third parties, you act as the data controller of that data and the Company acts as your processor, processing it only to provide the Service. You warrant that you have a lawful basis and any required consent to provide such data, that you have given those individuals any required notice, and that you will respond to their data-subject requests. You will indemnify the Company against claims arising from your handling of client data.
Where data-protection law requires a written processing agreement between us, our Data Processing Addendum governs that processing and forms part of these Terms. It applies from the moment you enter such data; a countersigned copy is available on request from privacy@heed.finance.
All content, design, software, and compilations within Heed are owned by the Company or its licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your own internal purposes during your subscription. You may not copy, reproduce, or create derivative works without our written permission.
The Service relies on third-party providers and may link to or surface third-party content, sources, or partners. We do not control and are not responsible for third-party services, websites, or the accuracy of third-party sources, and your use of them is at your own risk and subject to their terms.
To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.
To the maximum extent permitted by law, the Company and its affiliates, officers, employees, and suppliers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or anticipated savings, or for any financial, tax, or investment loss arising from reliance on the Service, even if advised of the possibility.
To the maximum extent permitted by law, the Company's total aggregate liability arising out of or relating to the Service or these Terms shall not exceed the greater of (a) the total fees you paid to the Company in the twelve (12) months preceding the event giving rise to the claim, or (b) USD 100. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any other liability that applicable law does not permit to be limited.
You agree to indemnify and hold harmless the Company and its affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Service, your breach of these Terms, your violation of any law or third-party right, or your handling of any third-party or client data.
You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access, with or without notice, for breach of these Terms, suspected unlawful use, non-payment, or where required by law. On termination, your right to use the Service ends; clauses that by their nature should survive (including 4, 5, 8, 9, 10, 12, 13, 14, 18, and 19) survive.
We may modify or discontinue features of the Service, and may update these Terms from time to time. For material changes we will provide reasonable notice (for example by email or in-app notice). Your continued use after changes take effect constitutes acceptance of the updated Terms.
The Company is not liable for any failure or delay caused by events beyond its reasonable control, including acts of God, outages, supplier or infrastructure failures, cyber-attacks, or changes in law.
These Terms (together with the Privacy Policy and any plan-specific terms) are the entire agreement between you and the Company regarding the Service. If any provision is found unenforceable, the remainder continues in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Notices to you may be given by email or in-app.
If you are a consumer, this clause does not deprive you of the protection of the mandatory rules of the law of the country where you habitually reside. If you are a consumer in the EEA or the UK, you may bring proceedings against us in the courts of your country of residence, and we will bring any proceedings against you only there. You may also be entitled to refer a dispute to an alternative dispute resolution body in your country. We have not committed to any particular ADR scheme.
Before commencing proceedings, we ask that you contact legal@heed.finance so we can try to resolve the matter directly.
Questions about these Terms: legal@heed.finance.